CN103246978A - Mobile payment system and mobile payment implementation method - Google Patents

Mobile payment system and mobile payment implementation method Download PDF

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Publication number
CN103246978A
CN103246978A CN2013101605098A CN201310160509A CN103246978A CN 103246978 A CN103246978 A CN 103246978A CN 2013101605098 A CN2013101605098 A CN 2013101605098A CN 201310160509 A CN201310160509 A CN 201310160509A CN 103246978 A CN103246978 A CN 103246978A
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China
Prior art keywords
card
mobile
financial
payment
portable terminal
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CN2013101605098A
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Chinese (zh)
Inventor
刘毅
朱振新
韩勇桥
鲁纶
赵家志
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JETWAY INFORMATION SECURITY INDUSTRY Co Ltd
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JETWAY INFORMATION SECURITY INDUSTRY Co Ltd
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Priority to CN2013101605098A priority Critical patent/CN103246978A/en
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Abstract

The invention relates to a mobile payment system and a mobile payment implementation method. The mobile payment system comprises a mobile terminal and a financial IC card, wherein the mobile terminal is added with a virtual terminal application; a mobile terminal security module and a mobile terminal near-field communicating module are further arranged in the mobile terminal; and the financial IC card comprises a financial IC card near-field communicating module and a financial IC card security module. The mobile terminal system added with the virtual terminal application can achieve near-field payment on the condition that other equipment is not needed, and the mobile terminal is changed into a POS (point-of-sale) machine; and further, the mobile payment terminal supporting a remote payment application is matched to the near-field payment application logically, so that logical unity of near-field payment and remote payment in business processing of the mobile payment terminal is achieved, the near-field payment safety can be guaranteed, authenticity, completeness and security of important data are guaranteed, and safety independence between multiple applications of mobile payment financial cards is guaranteed.

Description

A kind of mobile-payment system and mobile payment implementation method
Technical field
The present invention relates to a kind of mobile-payment system and mobile payment implementation method, is a kind of novel mobile-payment system and based on the mobile payment implementation method of this system, belongs to the mobile payment field.
Background technology
Mobile payment is to allow the mobile subscriber to use portable terminal, and normally mobile phone carries out a kind of convenient, the safe method of service that account is paid to commodity or the service of consuming, and last decade develops rapidly in the world.The basis of mobile payment technical development is the significantly raising of portable terminal computing power, and the appearance of chip miniaturization technology.In general transaction, can substitute financial card, POS even part personal computer function with portable terminal.
Under existing mobile payment mode, a kind of by in mobile phone, implanting the mode of NFC chip and fiscard, mobile phone is become wallet, when paying, provide corresponding receiver by trade company, the buyer holds mobile phone and finishes " brushing " this action, convenient payment, and whole process is identical with the brush mass transit card.Another kind of be implemented on the mobile phone and swipe the card by card reader being inserted the earphone jack on the mobile phone and installing at mobile phone and to use, mobile phone is become the POS machine.But this dual mode all needs the miscellaneous equipment except mobile phone just can finish transaction.
Summary of the invention
The objective of the invention is for a kind of mobile-payment system and mobile payment implementation method are provided, this system has proposed a kind ofly with virtual terminal portable terminal to be become the POS machine, realizes the method for near field payment and remote payment.Reduced the complicacy of mobile payment terminal design, and the business of guaranteeing payment can be carried out safely.
The technical scheme of a kind of mobile-payment system of the present invention is:
A kind of mobile-payment system comprises portable terminal 1 and financial IC card 2, and described portable terminal 1 has added virtual terminal and used 1.1.
Below be the further technical scheme of the present invention:
Preferably, described portable terminal 1 comprises mobile terminal device itself and the SIM card, SD card or other external equipments that are connected to this equipment.
Preferably, also have portable terminal security module 1.2 and portable terminal near-field communication module 1.3 in the described portable terminal 1.
Preferably, described financial IC card 1 comprises financial IC card near-field communication module 2.1 and financial IC card security module 2.2.
Preferably, described virtual terminal application 1.1 comprises user interactive module 1.1.1, mobile payment transaction processing module 1.1.2 and financial application interactive module 1.1.3.
Preferably, described user interactive module 1.1.1 be used for to realize to the definition of virtual terminal application function and with the interface of user interactions.
Preferably, described mobile payment transaction processing module 1.1.2 be used for to realize the mobile payment transaction treatment scheme, organizes message to carry out data interaction between portable terminal and payment platform and the financial application interactive module 1.1.3 at different transaction.
Preferably, described financial application interactive module 1.1.3 uses according to different functions, organizes concrete APDU data, sends APDU to financial application, and the processing command response, finishes complete transaction flow.
Preferably, described portable terminal near-field communication module 1.3 is used for finishing the contactless communication between portable terminal 1 and the financial IC card; Described portable terminal security module 1.2 is used for realizing the contactless IC card financial application.
Preferably, described financial IC card near-field communication module 2.1 is used for finishing the contactless communication between portable terminal 1 and the financial IC card; Described financial IC card security module 2.2 is used for realizing the contactless IC card financial application.
The present invention a kind of based on aforementioned mobile-payment system mobile payment implementation method technical scheme be:
A kind of mobile payment implementation method based on aforementioned mobile-payment system:
The user browses some article by browser or client-side program on portable terminal, after making purchase decision, trade company's main frame generates a trading order form file and gives portable terminal, and portable terminal activates the interior payment application of portable terminal after receiving this order file, begins the payment action;
The mutual transaction message of mobile payment transaction processing module tissue and card is given the financial application interactive module;
The transaction message that the financial application interactive module will receive from the mobile payment transaction processing module resolves to the card order, and the card order is presented as the APDU data, and the portable terminal security module in the built-in financial IC card sends APDU then;
The order that portable terminal security module response in the built-in financial IC card sends from the financial application interactive module, organizational command response APDU returns to the financial application interactive module;
It is the card message that the financial application interactive module is resolved card response APDU, returns to the mobile payment transaction processing module;
The mobile payment transaction processing module is organized the consumer sale message, sends to mobile payment platform and handles;
The mobile payment platform analytic message is handled, and returns transaction results and uses to mobile terminal payment, finishes remote payment.
Another kind of the present invention based on aforementioned mobile-payment system mobile payment implementation method technical scheme be:
A kind of mobile payment implementation method based on aforementioned mobile-payment system:
After the user made purchase or payment decision at the scene, beneficiary was imported collection amount at portable terminal, and the user near portable terminal, begins financial IC card payment and moves;
The transaction flow of mobile payment transaction processing modules implement China's finance integrated circuit (IC) calliper model definition, tissue is given the financial application interactive module with the mutual transaction message of card;
The transaction message that the financial application interactive module will receive from the mobile payment transaction processing module resolves to the card order, and the card order is presented as the APDU data;
The portable terminal near-field communication module sends the APDU order in the noncontact mode to financial IC card;
The financial IC card near-field communication module receives the APDU order that sends from portable terminal, sends to security module;
Financial IC card security module response APDU order, response sends to portable terminal by near-field communication module in the noncontact mode;
The portable terminal near-field communication module receives the financial IC card response concurrent and gives the financial application interactive module;
It is the card message that the financial application interactive module is resolved card response APDU, returns to the mobile payment transaction processing module;
Mobile payment transaction processing module analytic message is handled, and returns transaction results and gives the payee, finishes the near field payment.
Beneficial effect of the present invention mainly contains:
1. use the mobile terminal system that has added the virtual terminal application can under the situation that does not need miscellaneous equipment, realize the near field payment, portable terminal is become the POS machine.
2. the mobile payment terminal logic of supporting remote payment to use being fitted to the near field payment uses, near field payment and remote payment have been reached in the unification of mobile payment terminal traffic processing logic, can guarantee the near field security of payment, guarantee authenticity, integrality and the confidentiality of significant data, guarantee the safe independence between the many application of mobile payment fiscard.
Description of drawings
Fig. 1 is for becoming portable terminal with virtual terminal the mobile-payment system synoptic diagram of POS machine;
Fig. 2 is for becoming portable terminal into the realization of POS machine based on the remote payment process flow diagram of financial IC card with virtual terminal;
Fig. 3 is for becoming portable terminal into the realization of POS machine based on the near field payment flow figure of financial IC card with virtual terminal.
Embodiment
It is as follows that the invention will be further described in conjunction with the accompanying drawings and embodiments:
Embodiment 1:
As shown in Figure 1, a kind of mobile-payment system has added virtual terminal and has used 1.1 in the portable terminal 1 in the present embodiment.It is used for being implemented in simulating payment terminal on the portable terminal, as the POS terminal, to support long-range and near field payment application.
Embodiment 2:
Different with above-described embodiment 1 is that furtherly, portable terminal 1 comprises mobile terminal device itself and is connected to SIM card, SD card or other external equipments of this equipment.
Embodiment 3:
As shown in Figure 1, different with above-described embodiment 1 is furtherly, to use 1.1 portable terminal security module 1.2 and portable terminal near-field communication module 1.3 in addition except having virtual terminal in the portable terminal 1.Mobile terminal system from user perspective, comprises the inserted card that uses on handheld device and the handheld device, as SIM card, SD card etc., from design angle, comprise above-mentioned all multimodes, these modules can be contained in handheld device respectively or it can insert in the card.
Embodiment 4:
As shown in Figure 1, different with above-described embodiment 1 is that furtherly, financial IC card 1 comprises financial IC card near-field communication module 2.1 and financial IC card security module 2.2.Financial IC card from user perspective, can be an independently bank card, also can be the terminal that comprises the mobile payment financial card application.
Embodiment 5:
As shown in Figure 1, all different with above-described embodiment is that furtherly, virtual terminal is used 1.1 and comprised user interactive module 1.1.1, mobile payment transaction processing module 1.1.2 and financial application interactive module 1.1.3.
Embodiment 6:
As shown in Figure 1, different with above-described embodiment 5 is, furtherly, user interactive module 1.1.1 be used for realizing to the definition of virtual terminal application function and with the interface of user interactions.Financial application interactive module 1.1.3 uses according to different functions, organizes concrete APDU data, sends APDU to financial application, and the processing command response, finishes complete transaction flow.Portable terminal near-field communication module 1.3 is used for finishing the contactless communication between portable terminal 1 and the financial IC card; Portable terminal security module 1.2 is used for realizing the contactless IC card financial application.
The present invention a kind of based on aforementioned mobile-payment system mobile payment implementation method embodiment:
As shown in Figure 2, for virtual terminal portable terminal being become the realization of POS machine based on the remote payment process flow diagram of financial IC card.The user browses some article by browser or client-side program on portable terminal, after making purchase decision, trade company's main frame generates a trading order form file and gives portable terminal, and portable terminal activates the interior payment application of portable terminal after receiving this order file, begins the payment action.The transaction flow of mobile payment transaction processing modules implement China's finance integrated circuit (IC) calliper model definition, tissue is given the financial application interactive module with the mutual transaction message of card.The transaction message that the financial application interactive module will receive from the mobile payment transaction processing module resolves to the card order, and the card order is presented as the APDU data, and the portable terminal security module in the built-in financial IC card sends APDU then.The order that portable terminal security module response in the built-in financial IC card sends from the financial application interactive module, organizational command response APDU returns to the financial application interactive module.It is the card message that the financial application interactive module is resolved card response APDU, returns to the mobile payment transaction processing module.The mobile payment transaction processing module is organized the consumer sale message, sends to mobile payment platform and handles.The mobile payment platform analytic message is handled, and returns transaction results and uses to mobile terminal payment, finishes remote payment.
Another kind of the present invention based on aforementioned mobile-payment system mobile payment implementation method embodiment:
As shown in Figure 3, for virtual terminal portable terminal being become the realization of POS machine based on the near field payment flow figure of financial IC card.After the user made purchase or payment decision at the scene, beneficiary was imported collection amount at portable terminal, and the user near portable terminal, begins financial IC card payment and moves.The transaction flow of mobile payment transaction processing modules implement China's finance integrated circuit (IC) calliper model definition, tissue is given the financial application interactive module with the mutual transaction message of card.The transaction message that the financial application interactive module will receive from the mobile payment transaction processing module resolves to the card order, and the card order is presented as the APDU data.The portable terminal near-field communication module sends the APDU order in the noncontact mode to financial IC card.The financial IC card near-field communication module receives the APDU order that sends from portable terminal, sends to security module.Financial IC card security module response APDU order, response sends to portable terminal by near-field communication module in the noncontact mode.The portable terminal near-field communication module receives the financial IC card response concurrent and gives the financial application interactive module.It is the card message that the financial application interactive module is resolved card response APDU, returns to the mobile payment transaction processing module.Mobile payment transaction processing module analytic message is handled, and returns transaction results and gives the payee, finishes the near field payment.

Claims (12)

1. a mobile-payment system comprises portable terminal (1) and financial IC card (2), and it is characterized in that: described portable terminal (1) has added virtual terminal application (1.1).
2. mobile-payment system according to claim 1 is characterized in that: described portable terminal (1) comprises mobile terminal device itself and is connected to SIM card, SD card or other external equipments of this equipment.
3. mobile-payment system according to claim 1 is characterized in that: also have portable terminal security module (1.2) and portable terminal near-field communication module (1.3) in the described portable terminal (1).
4. mobile-payment system according to claim 1, it is characterized in that: described financial IC card (1) comprises financial IC card near-field communication module (2.1) and financial IC card security module (2.2).
5. according to the described mobile-payment system of one of claim 1 to 4, it is characterized in that: described virtual terminal is used (1.1) and is comprised user interactive module (1.1.1), mobile payment transaction processing module (1.1.2) and financial application interactive module (1.1.3).
6. mobile-payment system according to claim 5 is characterized in that: described user interactive module (1.1.1) be used for realizing to the definition of virtual terminal application function and with the interface of user interactions.
7. mobile-payment system according to claim 5, it is characterized in that: described mobile payment transaction processing module (1.1.2) be used for to realize the mobile payment transaction treatment scheme, organizes message to carry out data interaction between portable terminal and payment platform and the financial application interactive module (1.1.3) at different transaction.
8. mobile-payment system according to claim 5, it is characterized in that: described financial application interactive module (1.1.3) is used according to different functions, organizes concrete APDU data, sends APDU to financial application, and the processing command response, finish complete transaction flow.
9. mobile-payment system according to claim 3 is characterized in that: described portable terminal near-field communication module (1.3) is used for finishing the contactless communication between portable terminal (1) and the financial IC card; Described portable terminal security module (1.2) is used for realizing the contactless IC card financial application.
10. mobile-payment system according to claim 4 is characterized in that: described financial IC card near-field communication module (2.1) is used for finishing the contactless communication between portable terminal (1) and the financial IC card; Described financial IC card security module (2.2) is used for realizing the contactless IC card financial application.
11. the mobile payment implementation method based on the mobile-payment system of one of claim 1 to 10 is characterized in that:
The user browses some article by browser or client-side program on portable terminal, after making purchase decision, trade company's main frame generates a trading order form file and gives portable terminal, and portable terminal activates the interior payment application of portable terminal after receiving this order file, begins the payment action;
The mutual transaction message of mobile payment transaction processing module tissue and card is given the financial application interactive module;
The transaction message that the financial application interactive module will receive from the mobile payment transaction processing module resolves to the card order, and the card order is presented as the APDU data, and the portable terminal security module in the built-in financial IC card sends APDU then;
The order that portable terminal security module response in the built-in financial IC card sends from the financial application interactive module, organizational command response APDU returns to the financial application interactive module;
It is the card message that the financial application interactive module is resolved card response APDU, returns to the mobile payment transaction processing module;
The mobile payment transaction processing module is organized the consumer sale message, sends to mobile payment platform and handles;
The mobile payment platform analytic message is handled, and returns transaction results and uses to mobile terminal payment, finishes remote payment.
12. the mobile payment implementation method based on the mobile-payment system of one of claim 1 to 10 is characterized in that:
After the user made purchase or payment decision at the scene, beneficiary was imported collection amount at portable terminal, and the user near portable terminal, begins financial IC card payment and moves;
The transaction flow of mobile payment transaction processing modules implement China's finance integrated circuit (IC) calliper model definition, tissue is given the financial application interactive module with the mutual transaction message of card;
The transaction message that the financial application interactive module will receive from the mobile payment transaction processing module resolves to the card order, and the card order is presented as the APDU data;
The portable terminal near-field communication module sends the APDU order in the noncontact mode to financial IC card;
The financial IC card near-field communication module receives the APDU order that sends from portable terminal, sends to security module;
Financial IC card security module response APDU order, response sends to portable terminal by near-field communication module in the noncontact mode;
The portable terminal near-field communication module receives the financial IC card response concurrent and gives the financial application interactive module;
It is the card message that the financial application interactive module is resolved card response APDU, returns to the mobile payment transaction processing module;
Mobile payment transaction processing module analytic message is handled, and returns transaction results and gives the payee, finishes the near field payment.
CN2013101605098A 2013-05-06 2013-05-06 Mobile payment system and mobile payment implementation method Pending CN103246978A (en)

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CN103745350A (en) * 2014-01-17 2014-04-23 银视通信息科技有限公司 Payment processing method based on NFC (Near Field Communication) intelligent card and payment processing system based on NFC intelligent card
CN104102996A (en) * 2014-06-11 2014-10-15 瑞达信息安全产业股份有限公司 Remote payment method and system through wechat message
CN104200357A (en) * 2014-08-22 2014-12-10 安徽云盾信息技术有限公司 Mobile payment POS (Point Of Sale) and payment method
CN104217327A (en) * 2014-09-25 2014-12-17 山东中孚信息产业股份有限公司 Financial IC (integrated circuit) card Internet terminal and trading method thereof
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CN104809611A (en) * 2015-04-20 2015-07-29 王宏旭 Mobile financial payment method and system based on Internet of Things under cloud platform
CN104915834A (en) * 2014-03-10 2015-09-16 北京同方微电子有限公司 Mobile payment system based on high-capacity USIM card, and implementation method thereof
CN105096113A (en) * 2014-05-13 2015-11-25 苏州海博智能系统有限公司 Mobile payment method and device
CN105989381A (en) * 2015-02-03 2016-10-05 天地融科技股份有限公司 Real card management device
CN106204022A (en) * 2016-07-05 2016-12-07 中国银联股份有限公司 The method of the association rights and interests of management and safety in utilization information carrier
CN106600257A (en) * 2016-08-15 2017-04-26 孔文国 Security-unit-based near-filed payment data exchange system and method of mobile device

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Cited By (14)

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CN104683100B (en) * 2013-11-26 2019-04-19 中国移动通信集团公司 A kind of electronic data processing method and equipment
CN104683100A (en) * 2013-11-26 2015-06-03 中国移动通信集团公司 Electronic data processing method and equipment
CN103745350A (en) * 2014-01-17 2014-04-23 银视通信息科技有限公司 Payment processing method based on NFC (Near Field Communication) intelligent card and payment processing system based on NFC intelligent card
CN104915834A (en) * 2014-03-10 2015-09-16 北京同方微电子有限公司 Mobile payment system based on high-capacity USIM card, and implementation method thereof
CN105096113B (en) * 2014-05-13 2022-01-07 苏州海博智能系统有限公司 Mobile payment method and device
CN105096113A (en) * 2014-05-13 2015-11-25 苏州海博智能系统有限公司 Mobile payment method and device
CN104102996A (en) * 2014-06-11 2014-10-15 瑞达信息安全产业股份有限公司 Remote payment method and system through wechat message
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CN104217327A (en) * 2014-09-25 2014-12-17 山东中孚信息产业股份有限公司 Financial IC (integrated circuit) card Internet terminal and trading method thereof
CN104217327B (en) * 2014-09-25 2017-12-26 中孚信息股份有限公司 A kind of financial IC card internet terminal and its method of commerce
CN105989381A (en) * 2015-02-03 2016-10-05 天地融科技股份有限公司 Real card management device
CN104809611A (en) * 2015-04-20 2015-07-29 王宏旭 Mobile financial payment method and system based on Internet of Things under cloud platform
CN106204022A (en) * 2016-07-05 2016-12-07 中国银联股份有限公司 The method of the association rights and interests of management and safety in utilization information carrier
CN106600257A (en) * 2016-08-15 2017-04-26 孔文国 Security-unit-based near-filed payment data exchange system and method of mobile device

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Application publication date: 20130814