CN102902553B - Based on the long-range hair fastener method of the mobile phone payment card of JAVA card - Google Patents
Based on the long-range hair fastener method of the mobile phone payment card of JAVA card Download PDFInfo
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- CN102902553B CN102902553B CN201210303904.2A CN201210303904A CN102902553B CN 102902553 B CN102902553 B CN 102902553B CN 201210303904 A CN201210303904 A CN 201210303904A CN 102902553 B CN102902553 B CN 102902553B
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Abstract
The invention provides a kind of long-range hair fastener method of the mobile phone payment card based on JAVA card, first mounted card application on inquiry mobile phone Payment Card, the card opened application and the card application of not opening; Secondly, select the card application that will open according to user's request, the essential information of mobile phone payment card is sent to server end, the card application that open, then carries out external authentication, after external authentication success, upgrades the key of mobile phone payment card.The present invention is by server end, and can carry out long-range hair fastener to multiple mobile phone payment card, hair fastener speed is fast simultaneously; Storage key is carried out, to key management safe ready more by encryption equipment; Can delete or newly-increased card application, according to the application of user's request independent assortment card, and the process of the process of hair fastener and user's application to be gone forward side by side line pipe reason by server end record, avoids use procedure to make mistakes.
Description
[technical field]
The present invention relates to a kind of long-range hair fastener method of the mobile phone payment card based on JAVA card.
[background technology]
The use of mobile phone payment card is by responding on the non-contacting POS tool of band RFID, then from the off-line wallet account balance mobile phone payment card, reduce spending amount, such as local can use mobile phone payment card at these: the facility of swiping the card on the POS tool of coalition merchants, bus, the dining room of campus enterprise are swiped the card the facility etc. of swiping the card of facility, road parking place charge.
In the early stage of development of mobile phone payment card, owing to being nearly all the mobile phone payment card of NATIVE standard, and NATIVE card itself does not possess the characteristic of card application Remote Dynamic hair fastener, therefore the granting of mobile phone payment card is caused mostly to adopt centralized hair fastener pattern, namely provincial mobile phone payment card provides the hair fastener site of the blank mobile phone payment card of company's unified distribution to each districts and cities, and 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 increases and causes the issued volume of mobile phone payment card also in continuous increase, such as campus enterprise customer, sometimes disposablely tens thousand of mobile phone payment card to be issued, when issued volume increases, because existing centralized hair fastener pattern carrys out storage key by control card and master card, described control card and master card are key card, from control card and master card, the key of mobile phone payment card is obtained during hair fastener, hair fastener is carried out by client's side link control card and master card, pair of control card and master card can only Supporting connectivity clients, therefore hair fastener complicated operation, hair fastener speed is slow.And cipher key management procedures is more loaded down with trivial details, very likely the leakage of a state or party secret occurs, its consequence is very serious, therefore adopts blank mobile phone payment card, cannot ensure by manual delivery key the security that mobile phone payment card is provided.It should be noted that, described in the present invention, hair fastener refers to: for user mobile phone Payment Card individualizes, and by the process of the data of user individual write mobile phone payment card, it is all different that these data often open mobile phone payment card, as the card key etc. of mobile phone payment card.
Before this, key is just write mobile phone payment card by existing hair fastener pattern, and the process of hair fastener and actual user use the process of card application to be independently open, and namely whether user cannot know the card application hair fastener in mobile phone payment card.And in payment system, cannot know whether this mobile phone payment card sent out card, during if there is problem, more difficultly determine reason, if such as off-line wallet is not through hair fastener, user just cannot use this business.
[summary of the invention]
The technical problem to be solved in the present invention, is a kind of long-range hair fastener method providing mobile phone payment card based on JAVA card, and its hair fastener speed is fast, and simple to operate, mobile phone payment card key management is safer, and records and manage hair fastener process and user's application process.
The present invention is achieved in that
Based on a long-range hair fastener method for the mobile phone payment card of JAVA card, specific as follows:
Step 1, by mounted card application on card reader inquiry mobile phone Payment Card, the card opened application and the card application of not opening;
Step 2, the card application selecting to open according to user's request, install to the card application of opening, then perform long-range hair fastener step, be specially step 30 to step 34; Card application to open is not installed, then perform 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 in mobile phone payment card and mobile phone payment card account;
Step 31, server end structure corresponds to the hair fastener instruction of this mobile phone payment card type of card, and server end uses this hair fastener instruction to issue the instruction of selection card application;
Step 32, user to be selected the card application that will open to feed back to server end, the external authentication instruction of the corresponding described mobile phone payment card account of server end structure, is then issued to mobile phone payment card by described external authentication instruction;
Step 33, mobile phone payment card verify described external authentication instruction, if pass through, then and announcement server end, the key instruction of the corresponding described mobile phone payment card account of server end structure, and described key instruction is sent to mobile phone payment card; Mobile phone payment card feeds back to server end after performing described key instruction;
If user select open complex item card application, then repeated execution of steps 31 and step 33, be easily selected by a user until all open card application be all opened after, perform step 34;
The selling information of step 34, server end record mobile phone payment card, hair fastener terminates;
Step 40, the loading file that card to be installed will be needed to apply are divided into the fritter being convenient to transmit, then according to GP card specification, use LOAD order by described loading file transfer in described mobile phone payment card, after described mobile phone payment card receives last fritter of described loading file, then complete the loading of card application, if desired fill the application of multinomial card, then repeat step 40 until after needing the card installed to apply whole successful installation, return step 30.
Further, when needing to delete the card application of having opened, initiate to delete the request of having opened card application, card application request is deleted in server end response, and sends delete instruction to mobile phone payment card, and mobile phone payment card performs delete instruction, namely completes the deletion of card application.
Further, in described step 33, server end is the key instruction of calling the corresponding described mobile phone payment card account of encryption equipment structure.
Tool of the present invention has the following advantages:
1, by server end, can carry out long-range hair fastener to multiple mobile phone payment card, hair fastener speed is fast simultaneously;
2, storage key is carried out by encryption equipment, to key management safe ready more;
3, the process of the process of hair fastener and user's application to be gone forward side by side line pipe reason by server end record, avoids use procedure to make mistakes;
4, can delete or increase card application newly, applying according to user's request independent assortment card.
[accompanying drawing explanation]
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 the schematic flow sheet that the present invention loads card application.
Fig. 3 is the schematic flow sheet that the present invention deletes card application.
[embodiment]
Refer to Fig. 1 and Fig. 2, a kind of long-range hair fastener method of the mobile phone payment card based on JAVA card, specific as follows:
Step 1, by mounted card application on card reader inquiry mobile phone Payment Card, the card opened application and the card application of not opening; Described card application is functionally distinguished electronic wallet application, and identification is applied, campus meal card application etc., and each application has one to apply ID, in order to distinguish different card application, a handset card can store the application of multiple card;
Step 2, the card application selecting to open according to user's request, install to the card application of opening, then perform long-range hair fastener step, be specially step 30 to step 34; Card application to open is not installed, then perform 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 in mobile phone payment card and mobile phone payment card account;
Step 31, server end structure corresponds to the hair fastener instruction of this mobile phone payment card type of card, and server end uses this hair fastener instruction to issue the instruction of selection card application;
Step 32, user to be selected the card application that will open to feed back to server end, the external authentication instruction of the corresponding described mobile phone payment card account of server end structure, is then issued to mobile phone payment card by described external authentication instruction; 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 master control key encrypted random number, ciphertext is combined with external authentication instruction head and namely generates external authentication instruction; Because the instruction that handset card can be supported has a lot, described external authentication instruction head is for telling that this instruction of mobile-phone payment card is an external authentication instruction;
Step 33, mobile phone payment card verify described external authentication instruction, mobile phone payment card is the master control key encryption card random number by using mobile phone payment card, whether checking encrypted result is consistent with the result in external authentication instruction, if consistent, pass through, otherwise do not pass through; If pass through, then announcement server end, server end is the key instruction of calling the corresponding described mobile phone payment card account of encryption equipment structure, and described key instruction is sent to mobile phone payment card; Mobile phone payment card feeds back to server end after performing described key instruction; Only have by after external authentication instruction, mobile phone payment card reaches a safe condition, just allows server end to do other operation; Comprise master control key and maintenance key in described key instruction, described master control key is the Protective Key of card application, and for external authentication or key updating, described maintenance key is the Protective Key of card applicating Chinese part, for the file of more new opplication;
If user select open complex item card application, then repeated execution of steps 31 and step 33, be easily selected by a user until all open card application be all opened after, perform step 34;
The selling information of step 34, server end record mobile phone payment card, hair fastener terminates;
Step 40, the loading file that card to be installed will be needed to apply are divided into the fritter being convenient to transmit, then according to GP card specification (described GP card specification is " GP Card Spec "), use LOAD order by described loading file transfer in described mobile phone payment card, after described mobile phone payment card receives last fritter of described loading file, then complete the loading of card application, if desired the application of multinomial card is filled, then repeat step 40 until after needing the card installed to apply whole successful installation, return step 30.
Refer to Fig. 3, when needing to delete the card application of having opened, mobile phone payment card is initiated to delete the request of having opened card application, card application request is deleted in server end response, and sending delete instruction to mobile phone payment card, mobile phone payment card performs delete instruction, namely completes the deletion of card application.
In 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 carrys out 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 carry out long-range hair fastener by connecting multiple client to multiple mobile phone payment card simultaneously.Client plays the forwarding effect between mobile phone payment card and server end.
It should be noted that, based on the mobile phone payment card of JAVA card, card application does not rely on the instruction of COS bottom, by encapsulating the general exploitation of one deck and running environment in COS instruction, shield the technological disparity of different card vendor, card is applied to run on the card of different card vendor, the more important thing is and can support that the operations such as additions and deletions are carried out in the card application in mobile phone payment card.But at present user cannot should be used as any operation to card, presets because be respectively applied in when dispatching from the factory, and additions and deletions can not be carried out again and change operation.Meanwhile, the limited space of mobile phone payment card, can only apply by loading section, and therefore user cannot combine each application by unrestricted choice.
The present invention is by server end, and can carry out long-range hair fastener to multiple mobile phone payment card, hair fastener speed is fast simultaneously; Storage key is carried out, to key management safe ready more by encryption equipment; Can delete or newly-increased card application, according to the application of user's request independent assortment card, and the process of the process of hair fastener and user's application to be gone forward side by side line pipe reason by server end record, avoids use procedure to make mistakes.
Although the foregoing describe the specific embodiment of the present invention; but be familiar with those skilled in the art to be to be understood that; specific embodiment described by us is illustrative; instead of for the restriction to scope of the present invention; those of ordinary skill in the art, in the modification of the equivalence done according to spirit of the present invention and change, should be encompassed in scope that claim of the present invention protects.
Claims (3)
1., based on a long-range hair fastener method for the mobile phone payment card of JAVA card, it is characterized in that: specific as follows:
Step 1, by mounted card application on card reader inquiry mobile phone Payment Card, the card opened application and the card application of not opening;
Step 2, the card application selecting to open according to user's request, install to the card application of opening, then perform long-range hair fastener step, be specially step 30 to step 34; Card application to open is not installed, then perform 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 in mobile phone payment card and mobile phone payment card account;
Step 31, server end structure corresponds to the hair fastener instruction of this mobile phone payment card type of card, and server end uses this hair fastener instruction to issue the instruction of selection card application;
Step 32, user to be selected the card application that will open to feed back to server end, the external authentication instruction of the corresponding described mobile phone payment card account of server end structure, is then issued to mobile phone payment card by described external authentication instruction;
Step 33, mobile phone payment card verify described external authentication instruction, if pass through, then and announcement server end, the key instruction of the corresponding described mobile phone payment card account of server end structure, and described key instruction is sent to mobile phone payment card; Mobile phone payment card feeds back to server end after performing described key instruction;
If user select open complex item card application, then repeated execution of steps 31 to step 33, be easily selected by a user until all open card application be all opened after, perform step 34;
The selling information of step 34, server end record mobile phone payment card, hair fastener terminates;
Step 40, the loading file that card to be installed will be needed to apply are divided into the fritter being convenient to transmit, then according to GP card specification, use LOAD order by described loading file transfer in described mobile phone payment card, after described mobile phone payment card receives last fritter of described loading file, then complete the loading of card application, if desired fill the application of multinomial card, then repeat step 40 until after needing the card installed to apply whole successful installation, return step 30.
2. the long-range hair fastener method of the mobile phone payment card based on JAVA card according to claim 1, it is characterized in that: when the card application of having opened deleted by needs, initiate to delete the request of having opened card application, card application request is deleted in server end response, and send delete instruction to mobile phone payment card, mobile phone payment card performs delete instruction, namely completes the deletion of card application.
3. the long-range hair fastener method of the mobile phone payment card based on JAVA card according to claim 1, is characterized in that: in described step 33, and server end is the key instruction of calling the corresponding described mobile phone payment card account of encryption equipment structure.
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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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| US20160241550A1 (en) * | 2014-03-28 | 2016-08-18 | Netiq Corporation | Time-based one time password (totp) for network authentication |
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| 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 |
| 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 |
| CN106157028B (en) * | 2015-04-15 | 2021-03-26 | 航天信息股份有限公司 | Financial IC card multi-time card issuing system and method based on trusted platform |
| CN106557372B (en) * | 2015-09-30 | 2020-05-26 | 中国移动通信集团公司 | Application sharing method and device and terminal |
| CN106997530B (en) | 2016-01-25 | 2022-10-14 | 创新先进技术有限公司 | Credit payment method and device based on mobile terminal card simulation |
| CN106997527A (en) | 2016-01-25 | 2017-08-01 | 阿里巴巴集团控股有限公司 | Credit payment method and device based on mobile terminal P2P |
| 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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| US20020040438A1 (en) * | 2000-05-05 | 2002-04-04 | Fisher David Landis | Method to securely load and manage multiple applications on a conventional file system smart 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. |