CN102902553A - Remote card issuing method of mobile phone payment card based on JAVA card - Google Patents
Remote card issuing method of mobile phone payment card based on JAVA card Download PDFInfo
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- CN102902553A CN102902553A CN2012103039042A CN201210303904A CN102902553A CN 102902553 A CN102902553 A CN 102902553A CN 2012103039042 A CN2012103039042 A CN 2012103039042A CN 201210303904 A CN201210303904 A CN 201210303904A CN 102902553 A CN102902553 A CN 102902553A
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Abstract
The invention provides a remote card issuing method of a mobile phone payment card based on a JAVA card, which comprises the following steps of: firstly inquiring card applications installed on the mobile phone payment card to obtain the opened card applications and the card applications which are not opened; and then, selecting the card applications needing to be opened according to the user needs, sending basic information of the mobile phone payment card to a server side, carrying out external authentication on the card applications needing to be opened, and updating a secret key of the mobile phone payment card after the external authentication succeeds. According to the remote card issuing method provided by the invention, remote card issuing can be simultaneously carried out on multiple mobile phone payment cards through the server side, and the card issuing speed is rapid; and by storing the secret key through an encryption equipment, the secret key is safer and more convenient to manage; the card applications can be deleted or newly added and can be freely combined according to the user needs, and the card issuing process and the user application process are also recorded and managed through the server end, thus avoiding errors in the using process.
Description
[technical field]
The present invention relates to a kind of long-range hair fastener method of the mobile-phone payment card based on the JAVA card.
[background technology]
The use of mobile-phone payment card is by responding at the non-contacting POS facility of band RFID, then reduce the consumption amount of money the off-line wallet account balance from the mobile-phone payment card, such as can be at these local mobile-phone payment cards that uses: the swipe the card facility etc. of swiping the card of facility, road parking place charge of the dining room of the POS facility of coalition merchants, the facility of swiping the card on the bus, campus enterprise.
In the early stage of development of mobile-phone payment card, owing to being the mobile-phone payment card of NATIVE standard nearly all, and NATIVE card itself does not possess the characteristic that card is used the Remote Dynamic hair fastener, therefore cause the granting of mobile-phone payment card mostly to adopt centralized hair fastener pattern, be the blank mobile-phone payment card of provincial mobile-phone payment card granting company unified distribution to the hair fastener site of each districts and cities, prefectures and cities arrange special messenger's hair fastener.Along with being on the increase of mobile-phone payment card bankcard consumption place, customer volume significantly increase cause the mobile-phone payment card issued volume also in continuous increase, for example for the campus enterprise customer, sometimes disposablely to issue tens thousand of mobile-phone payment cards, when issued volume increases, because existing centralized hair fastener pattern is to come storage key by control card and master card, described control card and master card are key card, from control card and master card, obtain the key of mobile-phone payment card during hair fastener, carry out hair fastener by client connection control card and master card, pair of control card and master card can only clients of Supporting connectivity, so the hair fastener complicated operation, and hair fastener speed is slow.And cipher key management procedures is more loaded down with trivial details, and the leakage of a state or party secret very likely occurs, and its consequence is very serious, therefore adopts blank mobile-phone payment card, can't guarantee the security that the mobile-phone payment card is provided by the manual delivery key.Need to prove, hair fastener refers to described in the present invention: individualized for the user mobile phone Payment Card, the data of user individual are write the process of mobile-phone payment card, and every mobile-phone payment card of these data is all different, such as the card key of mobile-phone payment card etc.
Except before this, existing hair fastener pattern just writes the mobile-phone payment card with key, and the process that the process of hair fastener and actual user use card to use is independently to open, and namely whether the user can't know the card application hair fastener in the mobile-phone payment card.And in payment system, can't know whether this mobile-phone payment card sent out card, during if there is problem, relatively more difficult definite reason, if do not pass through hair fastener such as the off-line wallet, the user just can't use this business.
[summary of the invention]
The technical problem to be solved in the present invention is to provide a kind of long-range hair fastener method of the mobile-phone payment card based on the JAVA card, and its hair fastener speed is fast, simple to operate, and the management of mobile-phone payment card key is safer, and record and management hair fastener process and user's application process.
The present invention is achieved in that
A kind of long-range hair fastener method of the mobile-phone payment card based on the JAVA card, specific as follows:
Step 1, use by mounted card on the card reader inquiry mobile phone Payment Card, the card that the card of having been opened is used and do not opened is used;
Step 2, the card of selecting to open according to user's request are used, and install if the card that will open is used, and then carry out long-range hair fastener step, are specially step 30 to step 34; If the card of opening is not used and installed, then execution in step 40;
Step 30, the essential information of mobile-phone payment card is sent to server end, described essential information comprises type of card, card edition, is solidificated in identification code and mobile-phone payment card account in the mobile-phone payment card;
Step 31, server end are constructed the hair fastener instruction corresponding to this mobile-phone payment card type of card, and server end uses this hair fastener instruction to issue the instruction that selection card is used;
Step 32, the card application that user selection will be opened feed back to server end, and server end is constructed the external authentication instruction of corresponding described mobile-phone payment card account, then described external authentication instruction is issued to the mobile-phone payment card;
Step 33, the described external authentication instruction of mobile-phone payment card verification, if pass through, announcement server end then, server end is constructed the key instruction of corresponding described mobile-phone payment card account, and described key instruction is sent to the mobile-phone payment card; The mobile-phone payment card feeds back to server end after carrying out described key instruction;
If user selection is opened the complex item card and is used, then repeated execution of steps 31 and step 33, until all cards of being opened by user selection use all be opened after, execution in step 35;
The selling information of step 34, server end record mobile-phone payment card, hair fastener finishes;
The loading file that step 40, the card that needs are mounted are used is divided into the fritter of being convenient to transmit, then according to GP card standard, use LOAD to order described loading file transfer in described mobile-phone payment card, after last fritter of described loading file is received in described mobile-phone payment clamping, then finish the loading that card is used, use if need to fill multinomial card, then repeating step 40 is until after needing the card of installation to use whole successful installations, return step 30.
Further, when the card that needs deletion to open was used, the request that card is used had been opened in the initiation deletion, and server end response deletion blocks application request, and sends delete instruction to the mobile-phone payment card, and the mobile-phone payment card is carried out delete instruction, namely finishes the deletion that card is used.
Further, in the described step 33, server end is to call the key instruction that encryption equipment is constructed corresponding described mobile-phone payment card account.
The present invention has following advantage:
1, by server end, can carry out simultaneously long-range hair fastener to many mobile-phone payment cards, hair fastener speed is fast;
2, come storage key by encryption equipment, to key management safe ready more;
3, the process of the process of hair fastener and user application records and manages by server end, avoids use procedure to make mistakes;
4, can delete or increase newly card and use, use according to user's request independent assortment card.
[description of drawings]
The present invention is further illustrated in conjunction with the embodiments with reference to the accompanying drawings.
Fig. 1 is the long-range hair fastener schematic flow sheet of the present invention.
Fig. 2 is that the present invention loads the schematic flow sheet that card is used.
Fig. 3 is that the present invention deletes the schematic flow sheet that card is used.
[embodiment]
See also Fig. 1 and Fig. 2, a kind of long-range hair fastener method of the mobile-phone payment card based on the JAVA card, specific as follows:
Step 1, use by mounted card on the card reader inquiry mobile phone Payment Card, the card that the card of having been opened is used and do not opened is used; Described card is used from the function differentiation electronic wallet application, and identification is used, and the campus meal card is used etc., and each is used an application ID, uses in order to distinguish different cards, can store a plurality of cards on the handset card and use;
Step 2, the card of selecting to open according to user's request are used, and install if the card that will open is used, and then carry out long-range hair fastener step, are specially step 30 to step 34; If the card of opening is not used and installed, then execution in step 40;
Step 30, the essential information of mobile-phone payment card is sent to server end, described essential information comprises type of card, card edition, is solidificated in identification code and mobile-phone payment card account in the mobile-phone payment card;
Step 31, server end are constructed the hair fastener instruction corresponding to this mobile-phone payment card type of card, and server end uses this hair fastener instruction to issue the instruction that selection card is used;
Step 32, the card application that user selection will be opened feed back to server end, and server end is constructed the external authentication instruction of corresponding described mobile-phone payment card account, then described external authentication instruction is issued to the mobile-phone payment card; The construction process of described external authentication instruction is: server end calculates the master control key of corresponding mobile-phone payment card, and obtain the random number of mobile-phone payment card, obtain ciphertext with the master control key encrypted random number, ciphertext is combined with external authentication instruction head namely generates the external authentication instruction; Because the instruction that handset card can be supported has a lot, described external authentication instruction head is used for telling that this instruction of mobile-phone payment card is an external authentication instruction;
Step 33, the described external authentication instruction of mobile-phone payment card verification, the mobile-phone payment card is to encrypt the card random number by the master control key that uses the mobile-phone payment card, whether the checking encrypted result is consistent with result in the external authentication instruction, if unanimously then pass through, otherwise do not pass through; If pass through, announcement server end then, server end is to call the key instruction that encryption equipment is constructed corresponding described mobile-phone payment card account, and described key instruction is sent to the mobile-phone payment card; The mobile-phone payment card feeds back to server end after carrying out described key instruction; Only have by after the external authentication instruction, the mobile-phone payment card reaches a safe condition, just allows server end to do other operation; Comprise master control key and maintenance key in the described key instruction, described master control key is the Protective Key that card is used, and is used for external authentication or key updating, and described maintenance key is the Protective Key of card applicating Chinese spare, is used for upgrading the file of using;
If user selection is opened the complex item card and is used, then repeated execution of steps 31 and step 33, until all cards of being opened by user selection use all be opened after, execution in step 34;
The selling information of step 34, server end record mobile-phone payment card, hair fastener finishes;
The loading file that step 40, the card that needs are mounted are used is divided into the fritter of being convenient to transmit, then according to GP card standard (described GP card standard is " GP Card Spec "), use LOAD to order described loading file transfer in described mobile-phone payment card, after last fritter of described loading file is received in described mobile-phone payment clamping, then finish the loading that card is used, if need to fill multinomial card uses, then repeating step 40 is until after needing the card of installation to use whole successful installations, return step 30.
See also Fig. 3, when needs were deleted the card application of having opened, the mobile-phone payment card was initiated deletion and has been opened the request that card is used, server end response deletion card application request, and sending delete instruction to the mobile-phone payment card, the mobile-phone payment card is carried out delete instruction, namely finishes the deletion of card application.
Among the present invention, the difference of long-range hair fastener and hair fastener pattern of the prior art is: long-range hair fastener of the present invention comes storage key by encryption equipment, obtained the key of mobile-phone payment card during hair fastener from encryption equipment by service end, service end can be carried out long-range hair fastener to many mobile-phone payment cards simultaneously by connecting a plurality of clients.Client plays the forwarding effect between mobile-phone payment card and the server end.
Need to prove, mobile-phone payment card based on the JAVA card, card is used and is not relied on the instruction of COS bottom, by encapsulating general exploitation and the running environment of one deck in the COS instruction, shield different card vendors' technological disparity, can move at different card vendors' card so that card is used, the more important thing is and to support the card on the mobile phone Payment Card is used operations such as carrying out additions and deletions.But at present the user can't should be used as any operation to card, presets because respectively be applied in when dispatching from the factory, and can not carry out additions and deletions again and change operation.Simultaneously, the limited space of mobile-phone payment card can only use by loading section, so the user can't each application of free Selection and Constitute.
The present invention can carry out long-range hair fastener to many mobile-phone payment cards simultaneously by server end, and hair fastener speed is fast; Come storage key by encryption equipment, to key management safe ready more; Can delete or newly-increased card is used, use according to user's request independent assortment card, and the process used of the process of hair fastener and user avoids use procedure to make mistakes by the server end record and manage.
Although more than described the specific embodiment of the present invention; but being familiar with those skilled in the art is to be understood that; our described specific embodiment is illustrative; rather than for the restriction to scope of the present invention; those of ordinary skill in the art are in modification and the variation of the equivalence of doing according to spirit of the present invention, all should be encompassed in the scope that claim of the present invention protects.
Claims (3)
1. long-range hair fastener method based on the mobile-phone payment card of JAVA card is characterized in that: specific as follows:
Step 1, use by mounted card on the card reader inquiry mobile phone Payment Card, the card that the card of having been opened is used and do not opened is used;
Step 2, the card of selecting to open according to user's request are used, and install if the card that will open is used, and then carry out long-range hair fastener step, are specially step 30 to step 34; If the card of opening is not used and installed, then execution in step 40;
Step 30, the essential information of mobile-phone payment card is sent to server end, described essential information comprises type of card, card edition, is solidificated in identification code and mobile-phone payment card account in the mobile-phone payment card;
Step 31, server end are constructed the hair fastener instruction corresponding to this mobile-phone payment card type of card, and server end uses this hair fastener instruction to issue the instruction that selection card is used;
Step 32, the card application that user selection will be opened feed back to server end, and server end is constructed the external authentication instruction of corresponding described mobile-phone payment card account, then described external authentication instruction is issued to the mobile-phone payment card;
Step 33, the described external authentication instruction of mobile-phone payment card verification, if pass through, announcement server end then, server end is constructed the key instruction of corresponding described mobile-phone payment card account, and described key instruction is sent to the mobile-phone payment card; The mobile-phone payment card feeds back to server end after carrying out described key instruction;
If user selection is opened the complex item card and used, then repeated execution of steps 31 is to step 33, until all cards of being opened by user selection use all be opened after, execution in step 35;
The selling information of step 34, server end record mobile-phone payment card, hair fastener finishes;
The loading file that step 40, the card that needs are mounted are used is divided into the fritter of being convenient to transmit, then according to GP card standard, use LOAD to order described loading file transfer in described mobile-phone payment card, after last fritter of described loading file is received in described mobile-phone payment clamping, then finish the loading that card is used, use if need to fill multinomial card, then repeating step 40 is until after needing the card of installation to use whole successful installations, return step 30.
2. the long-range hair fastener method of the mobile-phone payment card based on the JAVA card according to claim 1, it is characterized in that: when the card that the needs deletion has been opened is used, initiate deletion and opened the request that card is used, server end response deletion card application request, and send delete instruction to the mobile-phone payment card, the mobile-phone payment card is carried out delete instruction, namely finishes the deletion that card is used.
3. the long-range hair fastener method of the mobile-phone payment card based on the JAVA card according to claim 1, it is characterized in that: in the described step 33, server end is to call the key instruction that encryption equipment is constructed corresponding described mobile-phone payment card account.
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| CN201210303904.2A CN102902553B (en) | 2012-08-23 | 2012-08-23 | Based on the long-range hair fastener method of the mobile phone payment card of JAVA card |
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| CN201210303904.2A CN102902553B (en) | 2012-08-23 | 2012-08-23 | Based on the long-range hair fastener method of the mobile phone payment card of JAVA card |
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| CN104484693A (en) * | 2014-12-29 | 2015-04-01 | 东信和平科技股份有限公司 | CPU card issuing system and method based on SM1 cryptographic algorithm |
| CN105787723A (en) * | 2014-12-19 | 2016-07-20 | 中国移动通信集团公司 | Method, device and system for processing SIM card applications |
| CN106157028A (en) * | 2015-04-15 | 2016-11-23 | 航天信息股份有限公司 | A kind of financial IC card based on credible platform repeatedly card sending system and method |
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| WO2017128976A1 (en) * | 2016-01-25 | 2017-08-03 | 阿里巴巴集团控股有限公司 | Credit payment method and device based on card emulation of mobile terminal |
| CN109447219A (en) * | 2018-12-28 | 2019-03-08 | 江苏恒宝智能系统技术有限公司 | A kind of method and device of the long-range hair fastener of finger-print card |
| US11038873B2 (en) | 2014-03-28 | 2021-06-15 | Netiq Corporation | Time-based one time password (TOTP) for network authentication |
| US11250427B2 (en) | 2016-01-25 | 2022-02-15 | Advanced New Technologies Co., Ltd. | Credit payment method and apparatus based on mobile terminal peer-to-peer |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| US11606352B2 (en) | 2014-03-28 | 2023-03-14 | Netiq Corporation | Time-based one time password (TOTP) for network authentication |
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| US11250427B2 (en) | 2016-01-25 | 2022-02-15 | Advanced New Technologies Co., Ltd. | Credit payment method and apparatus based on mobile terminal peer-to-peer |
| US11270305B2 (en) | 2016-01-25 | 2022-03-08 | Advanced New Technologies Co., Ltd. | Credit payment method and apparatus based on mobile terminal peer-to-peer |
| CN109447219A (en) * | 2018-12-28 | 2019-03-08 | 江苏恒宝智能系统技术有限公司 | A kind of method and device of the long-range hair fastener of finger-print card |
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Address after: 350000 12, 89 Avenue, Wufeng street, Gulou District, Fuzhou, Fujian. Patentee after: China Electric fufu Mdt InfoTech Ltd Address before: 350000 12, 89 Avenue, Wufeng street, Gulou District, Fuzhou, Fujian. Patentee before: Fujian Fushitong Information Software Co.,Ltd. |
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