CN103093351A - Mobile payment method, corresponding equipment and system - Google Patents
Mobile payment method, corresponding equipment and system Download PDFInfo
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- CN103093351A CN103093351A CN 201110337696 CN201110337696A CN103093351A CN 103093351 A CN103093351 A CN 103093351A CN 201110337696 CN201110337696 CN 201110337696 CN 201110337696 A CN201110337696 A CN 201110337696A CN 103093351 A CN103093351 A CN 103093351A
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Abstract
The invention discloses a mobile payment method, and further discloses a corresponding system, mobile terminal equipment, bank service terminal equipment and point-of-sale terminal equipment. The method includes that a mobile terminal enables first transaction requesting information to be encrypted according to an encryption strategy which is preset in location, the first trade requesting information is sent to a point-of-sale terminal after being encrypted, and therefore after the point-of-sale terminal is enabled to decipher out bank name information from the first transaction requesting information, second transaction information and obtained transaction amount are sent to a bank service terminal which corresponds to the bank name information, and after completing transaction, the bank service terminal returns to the transaction and acknowledges information; the first transaction requesting information which contains user account information and the bank name information carries out encryption in the position of the mobile terminal according to the preset encryption strategy, and the point-of-sale terminal only can decipher the bank name information, and therefore the user account information is encrypted before being deciphered out, and safety in a payment process is improved.
Description
Technical field
The present invention relates to the communications field, particularly relate to a kind of method of mobile payment, corresponding equipment and system.
Background technology
Mobile payment is to allow the user to use its mobile terminal to carry out to commodity or the service of consuming a kind of method of service that account is paid based near field technique.Multiple mobile payment technology is arranged at present in the world, wherein have most development prospect, the technology of easy industrialization is radio frequency identification smart card (RFID-SIM).
More and more universal along with mobile payment, safety of payment is also a problem that is concerned.In the mobile payment process based near field technique, if user's accounts information is stolen by others, just easily utilized harm user's property safety by the lawless person.
Along with mobile payment customer group's continuous expansion, the safety issue in payment process needs to be resolved hurrily.
Summary of the invention
The technical matters that the present invention mainly solves is to provide a kind of method of mobile payment, system, corresponding equipment: mobile terminal device, bank server equipment and point-of-sale terminal equipment, the security that can improve the mobile payment process.
For solving the problems of the technologies described above, the technical solution used in the present invention is:
A kind of method of mobile payment comprises:
Mobile terminal is encrypted the first transaction request information according to being set in advance in local encryption policy, and described the first transaction request information comprises user account information and Bank Name information;
The first transaction request information after encrypting is sent to point-of-sale terminal, after making point-of-sale terminal decrypt Bank Name information from described the first transaction request information, the second transaction request information and the dealing money that obtains are sent to bank service end corresponding to described Bank Name information, described the second transaction request information comprises the not user account information of deciphering;
Receive the trade confirmation information that the bank service end returns.
Further, described method also comprises:
Receive the new encryption policy that the bank service end sends;
Replace existing encryption policy according to described new encryption policy.
A kind of method of mobile payment comprises:
The bank service termination is received the second transaction request information, dealing money and the ID of trade company that point-of-sale terminal sends, and described the second transaction request information comprises the not user account information of deciphering;
Decrypt user account information in the second transaction request information according to being set in advance in local decryption policy;
Carry out consumer sale according to described user account information, dealing money and the ID of trade company after deciphering;
Send trade confirmation information to described point-of-sale terminal and mobile terminal after consumer sale.
Further, described method also comprises:
Obtain new encryption policy and corresponding new decryption policy and new decipherment algorithm;
Described new encryption policy, new decryption policy and new decipherment algorithm are saved in this locality, and set up corresponding relation;
Described new encryption policy is sent to mobile terminal, and described new decipherment algorithm is sent to point-of-sale terminal.
A kind of method of mobile payment comprises:
Encrypted the first transaction request information that the point-of-sale terminal mobile terminal receive sends, described the first transaction request information comprises user account information and Bank Name information;
Only decrypt Bank Name information according to being kept at the local decipherment algorithm that is used for deciphering Bank Name information from described the first transaction request information;
Send dealing money and the second transaction request information of user's input to bank service end corresponding to described Bank Name information, described the second transaction request information comprises the not user account information of deciphering;
Receive the trade confirmation information that the bank service end returns.
Further, described method also comprises:
Receive the new decipherment algorithm that the bank service end sends;
Replace existing decipherment algorithm according to described new decipherment algorithm.
A kind of mobile terminal device comprises:
Encrypting module is used for encrypting the first transaction request information according to being set in advance in local encryption policy, and described the first transaction request information comprises user account information and Bank Name information;
Sending module, the first transaction request information after being used for encrypting module is encrypted sends to point-of-sale terminal, after making point-of-sale terminal decrypt Bank Name information from described the first transaction request information, the second transaction request information and the dealing money that obtains are sent to bank service end corresponding to described Bank Name information, described the second transaction request information comprises the not user account information of deciphering;
The first receiver module is used for receiving the trade confirmation information that the bank service end returns.
Further, described equipment also comprises:
The second receiver module is used for receiving the new encryption policy that the bank service end sends;
Replacement module is used for replacing existing encryption policy according to the new encryption policy that described the second receiver module receives.
A kind of bank service end equipment comprises:
Receiver module is used for receiving the second transaction request information, dealing money and the ID of trade company that point-of-sale terminal sends, and described the second transaction request information comprises the not user account information of deciphering;
Deciphering module is used for basis and is set in advance in the user account information that local decryption policy decrypts described the second transaction request information;
Transaction modules is used for carrying out consumer sale according to described user account information, dealing money and the ID of trade company after deciphering;
The first sending module is used for sending trade confirmation information to described point-of-sale terminal and mobile terminal after consumer sale.
Further, described equipment also comprises:
Acquisition module is used for obtaining new encryption policy and corresponding new decryption policy and new decipherment algorithm;
Preserve module, be used for the new encryption policy that described acquisition module is obtained, new decryption policy and new decipherment algorithm and be saved in this locality, and set up corresponding relation;
The second sending module, the new encryption policy that is used for described acquisition module is obtained sends to mobile terminal, and described new decipherment algorithm is sent to point-of-sale terminal.
A kind of point-of-sale terminal equipment comprises:
The first receiver module is used for encrypted the first transaction request information that mobile terminal receive sends, and described the first transaction request information comprises user account information and Bank Name information;
Deciphering module is used for decrypting Bank Name information according to being kept at the local decipherment algorithm that is used for deciphering Bank Name information from the first transaction request information that described receiver module receives;
Sending module is used for sending to bank service end corresponding to described Bank Name information dealing money and the second transaction request information that the user inputs, and described the second transaction request information comprises the not user account information of deciphering;
The second receiver module is used for receiving the trade confirmation information that the bank service end returns.
Further, described equipment also comprises:
The 3rd receiver module is used for receiving the new decipherment algorithm that the bank service end sends;
Replacement module is used for replacing existing decipherment algorithm according to the new decipherment algorithm that described the 3rd receiver module receives.
A kind of mobile-payment system comprises:
Mobile terminal is used for encrypting the first transaction request information according to being set in advance in local encryption policy, and described the first transaction request information comprises user account information and Bank Name information;
The first transaction request information after encrypting is sent to point-of-sale terminal, after making point-of-sale terminal decrypt Bank Name information in described the first transaction request information, the second transaction request information and the dealing money that obtains are sent to bank service end corresponding to described Bank Name information, described the second transaction request information comprises the not user account information of deciphering;
Receive the trade confirmation information that the bank service end returns;
Point-of-sale terminal is used for obtaining dealing money and described the first transaction request information;
Go out Bank Name information according to being kept at the local decipherment algorithm that is used for deciphering Bank Name information from described the first transaction request decrypts information;
Described dealing money and described the second transaction request information are sent to bank service end corresponding to described Bank Name information, described bank service end is concluded the business according to described dealing money and described the second transaction request information, and described the second transaction request information comprises the not user account information of deciphering;
Receive the trade confirmation information that the bank service end returns;
The bank service end is used for receiving the second transaction request information, dealing money and the ID of trade company that point-of-sale terminal sends, and described the second transaction request information comprises the not user account information of deciphering;
Decrypt user account information in the second transaction request information according to being set in advance in local decryption policy;
Carry out consumer sale according to described user account information, dealing money and the ID of trade company after deciphering;
Send trade confirmation information to described point-of-sale terminal and mobile terminal after consumer sale.
Further, described bank service end also is used for:
Obtain new encryption policy and corresponding new decryption policy and new decipherment algorithm;
Described new encryption policy, new decryption policy and new decipherment algorithm are saved in this locality, and set up corresponding relation;
Described new encryption policy is sent to described mobile terminal, and described new decipherment algorithm is sent to point-of-sale terminal;
Described mobile terminal also is used for:
Receive the new encryption policy that the bank service end sends;
Replace existing encryption policy according to described new encryption policy;
Described point-of-sale terminal also is used for:
Receive the new decipherment algorithm that the bank service end sends;
Replace existing decipherment algorithm according to described new decipherment algorithm.
In the present invention, mobile terminal is encrypted the first transaction request information according to being set in advance in local encryption policy, and the first transaction request information after encrypting sends to point-of-sale terminal, after making point-of-sale terminal decrypt Bank Name information from the first transaction request information, the second transaction request information and the dealing money that obtains are sent to bank service end corresponding to this Bank Name information, this bank service end returns to trade confirmation information after completing transaction; The the first transaction request information that comprises user account information and Bank Name information is encrypted according to predefined encryption policy at the mobile terminal place, and point-of-sale terminal can only decrypt Bank Name information, thereby making user account information is all encrypted before being deciphered by bank server, the security that has improved payment process.
Description of drawings
Fig. 1 is the data flowchart of the first embodiment of method of mobile payment of the present invention;
Fig. 2 is the data flowchart of the second embodiment of method of mobile payment of the present invention;
Fig. 3 is the data flowchart of the 3rd embodiment of method of mobile payment of the present invention;
Fig. 4 is the data flowchart of the 4th embodiment of method of mobile payment of the present invention;
Fig. 5 is the logical organization schematic diagram of the embodiment of mobile terminal of the present invention;
Fig. 6 is the logical organization schematic diagram of the embodiment of bank service end of the present invention;
Fig. 7 is the logical organization schematic diagram of the embodiment of point-of-sale terminal of the present invention;
Fig. 8 is the logical organization schematic diagram of mobile-payment system embodiment of the present invention.
Embodiment
Mobile payment in the embodiment of the present invention is based on the mobile payment of RFID-SIM card, and mobile terminal is provided with the RFID-SIM card.
Consult Fig. 1, the first embodiment of method of mobile payment of the present invention comprises:
101, mobile terminal is encrypted the first transaction request information according to being set in advance in local encryption policy;
Local at mobile terminal, the encryption policy that pre-save has the information such as pair user account information and Bank Name information to be encrypted, mobile terminal at first according to this encryption policy to user account information and Bank Name information are encrypted, obtain the first transaction request information, this first transaction request information comprises user account information and Bank Name information;
102, the first transaction request information after encrypting sends to point-of-sale terminal;
Mobile terminal sends to point-of-sale terminal with the first transaction request information after close, after making point-of-sale terminal decrypt Bank Name information from the first transaction request information, the second transaction request information and the dealing money that obtains are sent to bank service end corresponding to this Bank Name information, wherein the second transaction request information comprises the user account information of not deciphering but does not comprise the Bank Name information that point-of-sale terminal is deciphered, perhaps, the second transaction request information is identical with the first transaction request information, namely comprises user account information and Bank Name information;
103, receive the trade confirmation information that the bank service end returns;
After point-of-sale terminal decrypts Bank Name information in the first transaction request information, the second transaction request information and the dealing money that obtains are sent to bank service end corresponding to this Bank Name information, the bank service end is concluded the business according to dealing money and the second transaction request information, after transaction is completed, the bank service end returns to trade confirmation information, and mobile terminal receives the trade confirmation information that the bank service end returns.
In the present embodiment, mobile terminal is encrypted the first transaction request information according to being set in advance in local encryption policy, and the first transaction request information after encrypting sends to point-of-sale terminal, after making point-of-sale terminal decrypt Bank Name information from the first transaction request information, the second transaction request information and the dealing money that obtains are sent to bank service end corresponding to this Bank Name information, this bank service end returns to trade confirmation information after completing transaction; The the first transaction request information that comprises user account information and Bank Name information is encrypted according to predefined encryption policy at the mobile terminal place, and point-of-sale terminal can only decrypt Bank Name information, thereby making user account information is all encrypted before being deciphered by bank server, the security that has improved payment process.
Consult Fig. 2, the second embodiment of method of mobile payment of the present invention comprises:
201, receive the new encryption policy that the bank service end sends;
According to the frequency that sets in advance, the bank service end regularly or irregularly upgrades encryption policy, namely sends new encryption policy to mobile terminal, and mobile terminal receives the new encryption policy that the bank service end sends;
202, replace existing encryption policy according to the new encryption policy that receives;
After mobile terminal receives the new encryption policy of bank service end transmission, existing encryption policy is replaced to the new encryption policy of reception;
203, encrypt the first transaction request information according to being set in advance in local encryption policy;
Mobile terminal to user account information and Bank Name information are encrypted, obtains the first transaction request information according to the new encryption policy that receives in step 201, and this first transaction request information comprises user account information and Bank Name information;
204, the first transaction request information after encrypting sends to point-of-sale terminal;
the first transaction request information after mobile terminal will be encrypted sends to point-of-sale terminal, point-of-sale terminal is decrypted from the first transaction request information after Bank Name information the second transaction request information, the dealing money that obtains and be kept at the local ID of trade company and send to bank service end corresponding to this Bank Name information, wherein the second transaction request information comprises the user account information of not deciphering but does not comprise the Bank Name information that point-of-sale terminal is deciphered, perhaps, the second transaction request information is identical with the first transaction request information, namely comprise user account information and Bank Name information,
205, receive the trade confirmation information that the bank service end returns;
After point-of-sale terminal decrypts Bank Name information in the first transaction request information, the second transaction request information and the dealing money that obtains are sent to bank service end corresponding to this Bank Name information, the bank service end is concluded the business according to dealing money and the second transaction request information, after transaction is completed, the bank service end returns to trade confirmation information, and mobile terminal receives the trade confirmation information that the bank service end returns.
In the present embodiment, mobile terminal receives the new encryption policy that bank sends, then existing encryption policy is replaced to this new encryption policy, recycle this new encryption policy and encrypt the first transaction request information, and the first transaction request information after encrypting sends to point-of-sale terminal, after making point-of-sale terminal decrypt Bank Name information from the first transaction request information, the second transaction request information and the dealing money that obtains are sent to bank service end corresponding to this Bank Name information, this bank service end returns to trade confirmation information after completing transaction; Mobile terminal is encrypted the first transaction request information according to up-to-date encryption policy, and point-of-sale terminal can only decrypt Bank Name information, thereby making user account information is all encrypted before being deciphered by bank server, improved the security of payment process, and often encryption policy is upgraded, make encrypting user account information information more be difficult to decrypted, the security that has further improved payment process.
Consult Fig. 3, the 3rd embodiment of method of mobile payment of the present invention comprises:
301, the bank service end obtains new encryption policy and corresponding new decryption policy and new decipherment algorithm;
The bank service end is preserved encryption policy and corresponding decryption policy and new decipherment algorithm, and the staff regularly or irregularly upgrades encryption policy and corresponding decryption policy and new decipherment algorithm; The bank service end obtains new encryption policy and corresponding new decryption policy and the new decipherment algorithm of staff's input;
302, new encryption policy, new decryption policy and new decipherment algorithm are saved in this locality, and set up corresponding relation;
The new encryption policy that the bank service end will obtain, new decryption policy and new decipherment algorithm are saved in this locality, replace old encryption policy, decryption policy and new decipherment algorithm, and both are set up corresponding relation;
303, new encryption policy is sent to mobile terminal, new decipherment algorithm is sent to point-of-sale terminal;
The bank service end sends to mobile terminal with new encryption policy, after mobile terminal receives this new encryption policy, replace existing old encryption policy with this new encryption policy, and when the information such as encrypting user account information next time, use new encryption policy to be encrypted;
The bank service end sends to point-of-sale terminal with new decipherment algorithm, after point-of-sale terminal receives this new decipherment algorithm, replaces existing old deciphering like crime with this new decipherment algorithm, and when deciphering Bank Name information, uses new decipherment algorithm to be decrypted next time;
304, receive the second transaction request information, dealing money and the ID of trade company that point-of-sale terminal sends;
mobile terminal is encrypted the first transaction request information according to the new encryption policy that receives, this the first transaction request information comprises user account information and Bank Name information, then mobile terminal sends to point-of-sale terminal with the first transaction request information after close, point-of-sale terminal is decrypted from the first transaction request information after Bank Name information the second transaction request information, the dealing money that obtains and be kept at the local ID of trade company and send to bank service end corresponding to this Bank Name information, wherein the second transaction request information comprises the user account information of not deciphering but does not comprise the Bank Name information that point-of-sale terminal is deciphered, perhaps, the second transaction request information is identical with the first transaction request information, namely comprise user account information and Bank Name information,
The bank service termination is received the second transaction request information, dealing money and the ID of trade company that point-of-sale terminal sends;
305, decrypt user account information in the second transaction request information according to being set in advance in local decryption policy;
After the bank service termination is received the second transaction request information, dealing money and the ID of trade company that point-of-sale terminal sends, decrypt user account information information in the second transaction request information according to being kept at local decryption policy;
306, user account information, dealing money and the ID of trade company according to deciphering carries out consumer sale;
The bank service end obtains corresponding trade company's account information according to the ID of trade company, and then user account information, dealing money and the ID of trade company according to deciphering carries out consumer sale, is about to dealing money first from user's account deduction, then changes the account of trade company over to;
The bank service end is the key information of mobile terminal receive transmission at first, judge whether this key information key information corresponding with being kept at the local account with this mobile terminal transmission be consistent, if consistent, user account information, dealing money and the ID of trade company according to deciphering carries out consumer sale, be about to dealing money first from user's account deduction, then change the account of trade company over to;
307, send trade confirmation information to point-of-sale terminal and mobile terminal;
After the bank service end is completed transaction, send trade confirmation information to point-of-sale terminal and mobile terminal respectively.
In the present embodiment, the bank service end regularly or irregularly upgrades and the encryption policy that upgrades is sent to mobile terminal encryption policy and corresponding decryption policy, mobile terminal is encrypted information such as user account information according to new encryption policy, and send to the bank service end be decrypted and conclude the business by point-of-sale terminal, point-of-sale terminal can only decrypt Bank Name information, thereby making user account information is all encrypted before being deciphered by bank server, the security that has improved payment process; And timing or not timing are upgraded encryption policy, make encrypting user account information information more be difficult to decrypted, the security that has further improved payment process.
Consult Fig. 4, the 4th embodiment of method of mobile payment of the present invention comprises:
401, the encrypted first transaction request information of point-of-sale terminal mobile terminal receive transmission;
Mobile terminal is encrypted the first transaction request information according to being set in advance in local encryption policy, and the first transaction request information after then encrypting sends to point-of-sale terminal, and this first transaction request information comprises user account information and Bank Name information;
Encrypted the first transaction request information that the point-of-sale terminal mobile terminal receive sends;
402, only decrypt Bank Name information according to being kept at the local decipherment algorithm that is used for deciphering Bank Name information from the first transaction request information;
After the first transaction request information that the point-of-sale terminal mobile terminal receive sends, obtain and be kept at the local decipherment algorithm that is used for deciphering Bank Name information, and decrypting Bank Name information according to this decipherment algorithm from the first transaction request information, this point-of-sale terminal is only deciphered the Bank Name information in the first transaction request information;
403, send dealing money and the second transaction request information of user's input to bank service end corresponding to Bank Name information;
Point-of-sale terminal receives the dealing money of user's input; And decrypt Bank Name information from the first transaction request information that mobile terminal sends, then send dealing money and the second transaction request information to bank service end corresponding to Bank Name information, wherein, the second transaction request information comprises the not user account information of deciphering;
404, receive the trade confirmation information that the bank service end returns;
The bank service end is concluded the business according to dealing money and the second transaction request information, and after transaction is completed, the bank service end returns to trade confirmation information to mobile terminal and point-of-sale terminal, and point-of-sale terminal receives the trade confirmation information that the bank service end returns;
Further, this method also comprises:
According to the frequency that sets in advance, regular or irregular encryption policy, decryption policy and the decipherment algorithm that upgrades of bank service end, send new decryption policy to mobile terminal, send new decipherment algorithm to point-of-sale terminal, and in this locality, new encryption policy, decryption policy and decipherment algorithm are set up corresponding relation; After mobile terminal receives new encryption policy, according to new encryption policy, the first transaction request information is encrypted, after point-of-sale terminal receives new decipherment algorithm, replace existing decipherment algorithm with new decipherment algorithm, and decrypt Bank Name information according to new decipherment algorithm from the first transaction request information.
In the present embodiment, point-of-sale terminal decrypts Bank Name information according to being set in advance in local decipherment algorithm from the first transaction request information that mobile terminal sends, and the second transaction request information and the dealing money that obtains are sent to bank service end corresponding to this Bank Name information, this bank service end returns to trade confirmation information after completing transaction; The the first transaction request information that comprises user account information and Bank Name information is encrypted according to predefined encryption policy at the mobile terminal place, and point-of-sale terminal can only decrypt Bank Name information, thereby making user account information is all encrypted before being deciphered by bank server, the security that has improved payment process.
Consult Fig. 5, the embodiment of mobile terminal device of the present invention comprises:
Encrypting module 501 is used for encrypting the first transaction request information according to being set in advance in local encryption policy, and wherein, the first transaction request information comprises user account information and Bank Name information;
Sending module 502, the first transaction request information after being used for encrypting module 501 is encrypted sends to point-of-sale terminal, after making point-of-sale terminal decrypt Bank Name information from the first transaction request information, the second transaction request information and the dealing money that obtains are sent to bank service end corresponding to this Bank Name information, wherein, the second transaction request information comprises not the user account information of deciphering but do not comprise the Bank Name information of point-of-sale terminal deciphering, and perhaps the second transaction request information is identical with the first transaction request information;
The first receiver module 503 is used for receiving the trade confirmation information that the bank service end returns.
Further, the mobile terminal device in the present embodiment also comprises:
The second receiver module is used for receiving the new encryption policy that the bank service end sends;
Replacement module is used for replacing existing encryption policy according to the new encryption policy that the second receiver module receives.
In the present embodiment, mobile terminal receives the new encryption policy that bank sends, then existing encryption policy is replaced to this new encryption policy, recycle this new encryption policy and encrypt the first transaction request information, and the first transaction request information after encrypting sends to point-of-sale terminal, after making point-of-sale terminal decrypt Bank Name information from the first transaction request information, the second transaction request information and the dealing money that obtains are sent to bank service end corresponding to this Bank Name information, this bank service end returns to trade confirmation information after completing transaction; Mobile terminal is encrypted the first transaction request information according to up-to-date encryption policy, and point-of-sale terminal can only decrypt Bank Name information, thereby making user account information is all encrypted before being deciphered by bank server, improved the security of payment process, and often encryption policy is upgraded, make encrypting user account information information more be difficult to decrypted, the security that has further improved payment process.
Consult Fig. 6, the embodiment of bank service end equipment of the present invention comprises:
Deciphering module 602 is used for basis and is set in advance in the user account information that local decryption policy decrypts the second transaction request information of receiver module 601 receptions;
The first sending module 604 is used for sending trade confirmation information to point-of-sale terminal and mobile terminal;
Further, the bank service end equipment in the present embodiment also comprises:
Acquisition module is used for obtaining new encryption policy and corresponding new decryption policy;
Preserve module, the new encryption policy and the new decryption policy that are used for acquisition module is obtained are saved in this locality, and set up corresponding relation;
The second sending module, the new encryption policy that is used for acquisition module is obtained sends to mobile terminal;
In the present embodiment, the bank service end regularly or irregularly upgrades and the encryption policy that upgrades is sent to mobile terminal encryption policy and corresponding decryption policy, mobile terminal is encrypted information such as user account information according to new encryption policy, and send to the bank service end be decrypted and conclude the business by point-of-sale terminal, point-of-sale terminal can only decrypt Bank Name information, thereby making user account information is all encrypted before being deciphered by bank server, the security that has improved payment process; And timing or not timing are upgraded encryption policy, make the encrypting user account information more be difficult to decrypted, have further improved the security of payment process.
Consult Fig. 7, the embodiment of point-of-sale terminal equipment of the present invention comprises:
The first receiver module 701 is used for encrypted the first transaction request information that mobile terminal receive sends, and wherein, the first transaction request information comprises user account information and Bank Name information;
Deciphering module 702 is used for decrypting Bank Name information according to being kept at the local decipherment algorithm that is used for deciphering Bank Name information from the first transaction request information that receiver module 701 receives;
Sending module 703 is used for sending the second transaction request information to bank service end corresponding to Bank Name information that deciphering module 702 decrypts, and wherein the second transaction request information comprises the not user account information of deciphering;
The second receiver module 704 is used for receiving the trade confirmation information that the bank service end returns;
Further, the equipment in the present embodiment also comprises:
The 3rd receiver module is used for receiving the new decipherment algorithm that the bank service end sends;
Replacement module is used for replacing existing decipherment algorithm according to the new decipherment algorithm that the 3rd receiver module receives;
In the present embodiment, point-of-sale terminal decrypts Bank Name information according to being set in advance in local decipherment algorithm from the first transaction request information that mobile terminal sends, and the second transaction request information and the dealing money that obtains are sent to bank service end corresponding to this Bank Name information, this bank service end returns to trade confirmation information after completing transaction; The the first transaction request information that comprises user account information and Bank Name information is encrypted according to predefined encryption policy at the mobile terminal place, and point-of-sale terminal can only decrypt Bank Name information, thereby making user account information is all encrypted before being deciphered by bank server, the security that has improved payment process; And decipherment algorithm is upgraded in bank's timing or not timing, has further promoted security.
Consult Fig. 8, the embodiment of mobile-payment system of the present invention comprises:
Mobile terminal 801 is used for encrypting the first transaction request information according to being set in advance in local encryption policy, and wherein, the first transaction request information comprises user account information and Bank Name information;
The first transaction request information after encrypting is sent to point-of-sale terminal, after making point-of-sale terminal decrypt Bank Name information in the first transaction request information, with the second transaction request information, the dealing money that obtains and be kept at the local ID of trade company and send to bank service end corresponding to this Bank Name information, wherein the second transaction request information comprises the not user account information of deciphering;
Receive the trade confirmation information that the bank service end returns;
Point-of-sale terminal 802 is used for obtaining the first transaction request information of dealing money and mobile terminal 601 transmissions;
Only decrypt Bank Name information according to being kept at the local decipherment algorithm that is used for deciphering Bank Name information from the first transaction request information that receives;
Dealing money and the second transaction request information are sent to bank service end corresponding to this Bank Name information, this bank service end is concluded the business according to dealing money and the second transaction request information, and wherein the second transaction request information comprises the not user account information of deciphering;
Receive the trade confirmation information that the bank service end returns;
Bank service end 803 is used for receiving the second transaction request information, dealing money and the ID of trade company that point-of-sale terminal sends, and wherein the second transaction request information comprises the not user account information of deciphering;
Decrypt user account information in the second transaction request information according to being set in advance in local decryption policy;
Carry out consumer sale according to described user account information, dealing money and the ID of trade company;
Send trade confirmation information to described point-of-sale terminal and mobile terminal.
Further, the bank service end 803 in the present embodiment also is used for:
Obtain new encryption policy and corresponding new decryption policy and new decipherment algorithm;
The new encryption policy that obtains, new decryption policy and new decipherment algorithm are saved in this locality, and set up corresponding relation;
The new encryption policy that obtains is sent to mobile terminal and point-of-sale terminal, and described new decipherment algorithm is sent to point-of-sale terminal;
Further, the mobile terminal in the present embodiment 801 also is used for:
Receive the new encryption policy that the bank service end sends;
Encryption policy new for this replaced existing encryption policy;
Further, the point-of-sale terminal in the present embodiment also is used for:
Receive the new decipherment algorithm that the bank service end sends;
Replace existing decipherment algorithm according to the new decipherment algorithm that receives;
In the present embodiment, mobile terminal receives the new encryption policy that bank sends, then existing encryption policy is replaced to this new encryption policy, recycle this new encryption policy and encrypt the first transaction request information, and the first transaction request information after encrypting sends to point-of-sale terminal, after making point-of-sale terminal decrypt Bank Name information from the first transaction request information, the second transaction request information and the dealing money that obtains are sent to bank service end corresponding to this Bank Name information, this bank service end returns to trade confirmation information after completing transaction; Mobile terminal is encrypted the first transaction request information according to up-to-date encryption policy, and point-of-sale terminal can only decrypt Bank Name information, thereby making user account information is all encrypted before being deciphered by bank server, improved the security of payment process, and often encryption policy is upgraded, make the encrypting user account information more be difficult to decrypted, further improved the security of payment process.
The above is only embodiments of the invention; not thereby limit the scope of the claims of the present invention; every equivalent structure or equivalent flow process conversion that utilizes instructions of the present invention and accompanying drawing content to do; or directly or indirectly be used in other relevant technical fields, all in like manner be included in scope of patent protection of the present invention.
Claims (14)
1. a method of mobile payment, is characterized in that, comprising:
Mobile terminal is encrypted the first transaction request information according to being set in advance in local encryption policy, and described the first transaction request information comprises user account information and Bank Name information;
The first transaction request information after encrypting is sent to point-of-sale terminal, after making point-of-sale terminal decrypt Bank Name information from described the first transaction request information, the second transaction request information and the dealing money that obtains are sent to bank service end corresponding to described Bank Name information, described the second transaction request information comprises the not user account information of deciphering;
Receive the trade confirmation information that the bank service end returns.
2. method according to claim 1, is characterized in that, described method also comprises:
Receive the new encryption policy that the bank service end sends;
Replace existing encryption policy according to described new encryption policy.
3. a method of mobile payment, is characterized in that, comprising:
The bank service termination is received the second transaction request information, dealing money and the ID of trade company that point-of-sale terminal sends, and described the second transaction request information comprises the not user account information of deciphering;
Decrypt user account information in the second transaction request information according to being set in advance in local decryption policy;
Carry out consumer sale according to described user account information, dealing money and the ID of trade company;
Send trade confirmation information to described point-of-sale terminal and mobile terminal after consumer sale.
4. method according to claim 3, is characterized in that, described method also comprises:
Obtain new encryption policy and corresponding new decryption policy and new decipherment algorithm;
Described new encryption policy, new decryption policy and new decipherment algorithm are saved in this locality, and set up corresponding relation;
Described new encryption policy is sent to mobile terminal, and described new decipherment algorithm is sent to point-of-sale terminal.
5. a method of mobile payment, is characterized in that, comprising:
Encrypted the first transaction request information that the point-of-sale terminal mobile terminal receive sends, described the first transaction request information comprises user account information and Bank Name information;
Only decrypt Bank Name information according to being kept at the local decipherment algorithm that is used for deciphering Bank Name information from described the first transaction request information;
Send dealing money and the second transaction request information of user's input to bank service end corresponding to described Bank Name information, described the second transaction request information comprises the not user account information of deciphering;
Receive the trade confirmation information that the bank service end returns.
6. method according to claim 5, is characterized in that, described method also comprises:
Receive the new decipherment algorithm that the bank service end sends;
Replace existing decipherment algorithm according to described new decipherment algorithm.
7. a mobile terminal device, is characterized in that, comprising:
Encrypting module is used for encrypting the first transaction request information according to being set in advance in local encryption policy, and described the first transaction request information comprises user account information and Bank Name information;
Sending module, the first transaction request information after being used for encrypting module is encrypted sends to point-of-sale terminal, after making point-of-sale terminal decrypt Bank Name information from described the first transaction request information, the second transaction request information and the dealing money that obtains are sent to bank service end corresponding to described Bank Name information, described the second transaction request information comprises the not user account information of deciphering;
The first receiver module is used for receiving the trade confirmation information that the bank service end returns.
8. equipment according to claim 7, is characterized in that, described equipment also comprises:
The second receiver module is used for receiving the new encryption policy that the bank service end sends;
Replacement module is used for replacing existing encryption policy according to the new encryption policy that described the second receiver module receives.
9. a bank service end equipment, is characterized in that, comprising:
Receiver module is used for receiving the second transaction request information, dealing money and the ID of trade company that point-of-sale terminal sends, and described the second transaction request information comprises the not user account information of deciphering;
Deciphering module is used for basis and is set in advance in the user account information that local decryption policy decrypts described the second transaction request information;
Transaction modules is used for carrying out consumer sale according to described user account information, dealing money and the ID of trade company after deciphering;
The first sending module is used for sending trade confirmation information to described point-of-sale terminal and mobile terminal after consumer sale.
10. equipment according to claim 9, is characterized in that, described equipment also comprises:
Acquisition module is used for obtaining new encryption policy and corresponding new decryption policy and new decipherment algorithm;
Preserve module, be used for the new encryption policy that described acquisition module is obtained, new decryption policy and new decipherment algorithm and be saved in this locality, and set up corresponding relation;
The second sending module, the new encryption policy that is used for described acquisition module is obtained sends to mobile terminal, and described new decipherment algorithm is sent to point-of-sale terminal.
11. a point-of-sale terminal equipment is characterized in that, comprising:
The first receiver module is used for encrypted the first transaction request information that mobile terminal receive sends, and described the first transaction request information comprises user account information and Bank Name information;
Deciphering module is used for decrypting Bank Name information according to being kept at the local decipherment algorithm that is used for deciphering Bank Name information from the first transaction request information that described receiver module receives;
Sending module is used for sending to bank service end corresponding to described Bank Name information dealing money and the second transaction request information that the user inputs, and described the second transaction request information comprises the not user account information of deciphering;
The second receiver module is used for receiving the trade confirmation information that the bank service end returns.
12. equipment according to claim 11 is characterized in that, described equipment also comprises:
The 3rd receiver module is used for receiving the new decipherment algorithm that the bank service end sends;
Replacement module is used for replacing existing decipherment algorithm according to the new decipherment algorithm that described the 3rd receiver module receives.
13. a mobile-payment system is characterized in that, comprising:
Mobile terminal is used for encrypting the first transaction request information according to being set in advance in local encryption policy, and described the first transaction request information comprises user account information and Bank Name information;
The first transaction request information after encrypting is sent to point-of-sale terminal, after making point-of-sale terminal decrypt Bank Name information in described the first transaction request information, the second transaction request information and the dealing money that obtains are sent to bank service end corresponding to described Bank Name information, described the second transaction request information comprises the not user account information of deciphering;
Receive the trade confirmation information that the bank service end returns;
Point-of-sale terminal is used for obtaining dealing money and described the first transaction request information;
Go out Bank Name information according to being kept at the local decipherment algorithm that is used for deciphering Bank Name information from described the first transaction request decrypts information;
Described dealing money and described the second transaction request information are sent to bank service end corresponding to described Bank Name information, described bank service end is concluded the business according to described dealing money and described the second transaction request information, and described the second transaction request information comprises the not user account information of deciphering;
Receive the trade confirmation information that the bank service end returns;
The bank service end is used for receiving the second transaction request information, dealing money and the ID of trade company that point-of-sale terminal sends, and described the second transaction request information comprises the not user account information of deciphering;
Decrypt user account information in the second transaction request information according to being set in advance in local decryption policy;
Carry out consumer sale according to described user account information, dealing money and the ID of trade company after deciphering;
Send trade confirmation information to described point-of-sale terminal and mobile terminal after consumer sale.
14. system according to claim 13 is characterized in that:
Described bank service end also is used for:
Obtain new encryption policy and corresponding new decryption policy and new decipherment algorithm;
Described new encryption policy, new decryption policy and new decipherment algorithm are saved in this locality, and set up corresponding relation;
Described new encryption policy is sent to described mobile terminal, and described new decipherment algorithm is sent to point-of-sale terminal;
Described mobile terminal also is used for:
Receive the new encryption policy that the bank service end sends;
Replace existing encryption policy according to described new encryption policy;
Described point-of-sale terminal also is used for:
Receive the new decipherment algorithm that the bank service end sends;
Replace existing decipherment algorithm according to described new decipherment algorithm.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201110337696 CN103093351A (en) | 2011-10-31 | 2011-10-31 | Mobile payment method, corresponding equipment and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201110337696 CN103093351A (en) | 2011-10-31 | 2011-10-31 | Mobile payment method, corresponding equipment and system |
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| CN103093351A true CN103093351A (en) | 2013-05-08 |
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| CN 201110337696 Pending CN103093351A (en) | 2011-10-31 | 2011-10-31 | Mobile payment method, corresponding equipment and system |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104318436A (en) * | 2014-10-21 | 2015-01-28 | 上海鹏逸电子商务有限公司 | Safety payment method and system based on mobile terminal and mobile terminal |
| CN105139200A (en) * | 2015-07-31 | 2015-12-09 | 腾讯科技（深圳）有限公司 | Electronic resource processing method and device and server |
| CN105373922A (en) * | 2015-10-23 | 2016-03-02 | 中国联合网络通信集团有限公司 | Payment method, payment system, client payment method, and client |
-
2011
- 2011-10-31 CN CN 201110337696 patent/CN103093351A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104318436A (en) * | 2014-10-21 | 2015-01-28 | 上海鹏逸电子商务有限公司 | Safety payment method and system based on mobile terminal and mobile terminal |
| CN105139200A (en) * | 2015-07-31 | 2015-12-09 | 腾讯科技（深圳）有限公司 | Electronic resource processing method and device and server |
| US10776771B2 (en) | 2015-07-31 | 2020-09-15 | Tencent Technology (Shenzhen) Company Limited | Electronic resource processing method and device |
| CN105373922A (en) * | 2015-10-23 | 2016-03-02 | 中国联合网络通信集团有限公司 | Payment method, payment system, client payment method, and client |
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Application publication date: 20130508 |