CN103778528A - Payment processing method, payment processing system and payment processing device - Google Patents
Payment processing method, payment processing system and payment processing device Download PDFInfo
- Publication number
- CN103778528A CN103778528A CN201210416982.3A CN201210416982A CN103778528A CN 103778528 A CN103778528 A CN 103778528A CN 201210416982 A CN201210416982 A CN 201210416982A CN 103778528 A CN103778528 A CN 103778528A
- Authority
- CN
- China
- Prior art keywords
- party
- payment platform
- payment
- certificate
- sub
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3229—Use of the SIM of a M-device as secure element
Abstract
The present invention provides a payment processing method, a payment processing system and a payment processing device. The method comprises the steps of receiving the payment request information sent by a user terminal, wherein the payment request information comprises the information of a third-party payment platform and the user information; according to the payment request information, authenticating the third-party payment platform corresponding to the third-party payment platform information; after the third-party payment platform is authenticated, sending an authentication successful information carrying the user information to the third-party payment platform. Therefore, the third-party payment platform indicates the user terminal to establish connection with the third-party payment platform according to the authentication successful information, and the user terminal carries out the payment processing by the connection.
Description
Technical field
The present invention relates to the communication technology, relate in particular to a kind of disposal route and system and device of paying.
Background technology
Existing global system for mobile communications (Global System of Mobile communication; Be called for short: GSM) digital mobile telephone must be loaded onto client identification module (Subscriber Identity Module; Be called for short: SIM), can use.Wherein, this SIM is also referred to as smart card or subscriber identification card.This SIM is with the chip of microprocessor, and it has stored digital mobile phone client's information, and the contents such as the key of encryption and user's telephone directory can be differentiated for GSM network client identity, and voice messaging when client is conversed is encrypted.
In addition, for user's roaming, particularly international roaming, for example, when user is to popular tourism country, can open international roaming, but may cause expensive international roaming expense on this SIM, increased user's financial burden; In order to reduce the expensive international roaming expense that uses original SIM and cause, generally can substitute former SIM with local pre-payment SIM, but, can make original SIM can not use in this tourism country, bring inconvenience (for example: make other people cannot contact this user etc. owing to having changed SIM) to user's use.Therefore, under roaming condition, this user can apply for that soft SIM card is called again virtual SIM card, be that the affiliated soft SIM server of the user terminal access URL of user obtains soft SIM information, this soft SIM information comprises soft number, and makes this soft number and hard number simultaneously in holding state, thereby makes other users to exhale this user by soft number or hard number, and then convenient for users to use, also effectively save international roaming expense.Wherein, this appointment operator is roaming place operator, the number of this soft number for specifying operator to provide, the number that this hard number provides for home-operator.
But, how to apply for after soft SIM card user, carrying out safe paying for this soft SIM card is the technical issues that need to address urgently at present.
Summary of the invention
The embodiment of the present invention provides a kind of disposal route and system and device of paying, arrives after soft SIM card, for this soft SIM card is carried out safe paying in application for realizing the user that knows clearly.
A first aspect of the present invention is to provide a kind of disposal route of paying, comprising:
Receive the payment request message that user terminal sends, described payment request message comprises information and the user profile of third party's payment platform;
According to described payment request message, the third party payment platform corresponding with the information of described third party's payment platform carries out authentication;
After successful with described third party's payment platform authentication, the authentication success message that carries described user profile is sent to described third party's payment platform, for described third party's payment platform according to described authentication success message, indicate described user terminal and described third party's payment platform to connect, make user terminal by carrying out payment process in described connection.
In the possible implementation of the first of first aspect, described according to described payment request message, the third party payment platform corresponding with the information of described third party's payment platform carries out authentication, comprising:
According to described payment request message, send authentication request to described third party's payment platform;
Receive the first sub-certificate of described third party's payment platform that described third party's payment platform returns according to described authentication request, and according to pre-configured the second sub-certificate and the second private key, described the first sub-certificate is verified;
If be verified, will be verified result and described the second sub-certificate sends to described third party's payment platform,, according to described the first sub-certificate and the first pre-configured private key described the second sub-certificate is verified for described third party's payment platform;
Receive that described third party's payment platform sends according to described the first sub-certificate, what described the second sub-certificate was verified is verified result.
A second aspect of the present invention is to provide a kind of disposal route of paying, comprising:
Receive the authentication request that soft SIM server sends;
According to described authentication request, carry out authentication with described soft SIM server;
If described authentication success, receives the authentication success message that described soft SIM server sends, described authentication success message comprises user profile;
Indicate user terminal corresponding to described user profile to send connection request message, to connect with described user terminal, make described user terminal carry out payment process by described connection.
In the possible implementation of the first of second aspect, described according to described authentication request, carry out bi-directional authentification handshake procedure with described soft SIM server, comprising:
According to described authentication request, return to the first pre-configured sub-certificate to described soft SIM server,, according to pre-configured the second sub-certificate and the second private key described the first sub-certificate is verified for described soft SIM server;
What receive that described soft SIM server sends is verified result and described the second sub-certificate, and according to described the first sub-certificate and the first pre-configured private key, described the second sub-certificate is verified, if be verified, generate and be verified result, and will described in be verified result and send to described soft SIM server.
A third aspect of the present invention is to provide a kind of disposal route of paying, comprising:
Send payment request message to soft SIM server, described payment request message comprises information and the user profile of third party's payment platform, for described soft SIM server, according to described payment request message, the third party payment platform corresponding with the information of described third party's payment platform carries out authentication and sends comprising that the authentication success message of described user profile sends to described third party's payment platform;
Receive described third party's payment platform according to described in carry the connection request message that the authentication success message of user profile sends, and according to described connection request message, connect with described third party's payment platform;
Carry out payment process by described connection.
A fourth aspect of the present invention is to provide a kind for the treatment of apparatus of paying, comprising:
Transmission circuit, the payment request message sending for receiving user terminal, described payment request message comprises information and the user profile of third party's payment platform;
Processor, for the described payment request message receiving according to described transmission circuit, the third party payment platform corresponding with the information of described third party's payment platform carries out authentication;
Described transmission circuit is also for after described processor and the success of described third party's payment platform authentication, the authentication success message that carries described user profile is sent to described third party's payment platform, for described third party's payment platform according to described authentication success message, indicate described user terminal and described third party's payment platform to connect, make user terminal carry out payment process by described connection.
In the possible implementation of the first of fourth aspect, described transmission circuit also, for according to described payment request message, sends authentication request to described third party's payment platform; And receive the first sub-certificate of described third party's payment platform that described third party's payment platform returns according to described authentication request;
Described processor also, for according to pre-configured the second sub-certificate and the second private key, is verified described the first sub-certificate;
If described transmission circuit is also verified for described authentication unit, will be verified result and described the second sub-certificate sends to described third party's payment platform,, according to described the first sub-certificate and the first pre-configured private key described the second sub-certificate is verified for described third party's payment platform;
Described transmission circuit also for receive that described third party's payment platform sends according to described the first sub-certificate, what described the second sub-certificate was verified is verified result.
A fifth aspect of the present invention is to provide a kind for the treatment of apparatus of paying, comprising:
Transmission circuit, the authentication request sending for receiving soft SIM server;
Processor, for the described authentication request receiving according to described transceiver module, carries out authentication with described soft SIM server;
If described transmission circuit also, for described authentication success, receives the authentication success message that described soft SIM server sends, described authentication success message comprises user profile;
Described processor is also used to indicate user terminal corresponding to described user profile and sends connection request message;
Described transmission circuit also, for connecting with described user terminal receiving after described transmission connection request message, makes described user terminal carry out payment process by described connection.
In the possible implementation of the first aspect the 5th, described transmission circuit is specifically for according to described authentication request, return to the first pre-configured sub-certificate to described soft SIM server,, according to pre-configured the second sub-certificate and the second private key described the first sub-certificate is verified for described soft SIM server; And receive that described soft SIM server sends be verified result and described the second sub-certificate;
Described processor, specifically for according to described the first sub-certificate and the first pre-configured private key, is verified described the second sub-certificate, if be verified, generate and is verified result;
Described transmission circuit sends to described soft SIM server specifically for being verified result described in general.
A sixth aspect of the present invention is to provide a kind of user terminal, comprising:
Radiating circuit, for sending payment request message to soft SIM server, described payment request message comprises information and the user profile of third party's payment platform, for described soft SIM server, according to described payment request message, the third party payment platform corresponding with the information of described third party's payment platform carries out authentication and sends comprising that the authentication success message of described user profile sends to described third party's payment platform;
Receiving circuit, for receive described third party's payment platform according to described in carry the connection request message that the authentication success message of user profile sends;
Processor, for according to described connection request message, triggers described receiver module and described third party's payment platform connects; And carry out payment process by described connection.
A seventh aspect of the present invention is to provide a kind of disposal system of paying, it is characterized in that, comprising: user terminal, soft SIM server and third party's payment platform; Wherein, described user terminal is the user terminal as described in above-mentioned the 6th aspect; Described soft SIM server is the treating apparatus of the paying as described in above-mentioned fourth aspect; Described third party's payment platform is the treating apparatus of the paying as described in above-mentioned the 5th aspect.
The payment request message that the user terminal receiving by basis sends, the third party payment platform corresponding with third party's payment platform information in this payment request message carries out authentication, and with the success of this third party's payment platform authentication after, the authentication success message that carries the user profile in this payment request message is sent to this third party's payment platform, for this third party's payment platform according to this authentication success message, indicate this user terminal and this third party's payment platform to connect, make user terminal carry out payment process by this connection, owing to having increased payment interface and bi-directional authentification process between soft SIM server and third party's payment platform, therefore, having realized user arrives after soft SIM card in application, for this soft SIM card is carried out safe paying.
Accompanying drawing explanation
Fig. 1 is the process flow diagram of an embodiment of the present invention's disposal route of paying;
Fig. 2 is the process flow diagram of another embodiment of the present invention's disposal route of paying;
Fig. 3 is the process flow diagram of another embodiment of the present invention's disposal route of paying;
Fig. 4 is the also process flow diagram of an embodiment of the present invention's disposal route of paying;
Fig. 5 is the process flow diagram of another embodiment of the present invention's disposal route of paying;
Fig. 6 is the signaling process figure of another embodiment of the present invention's disposal route of paying;
Fig. 7 is the structural representation of an embodiment of the present invention's treating apparatus of paying;
Fig. 8 is the structural representation of another embodiment of the present invention's treating apparatus of paying;
Fig. 9 is the structural representation of an embodiment of user terminal of the present invention;
Figure 10 is the structural representation of an embodiment of the present invention's disposal system of paying.
Embodiment
Fig. 1 is the process flow diagram of an embodiment of the present invention's disposal route of paying, and as shown in Figure 1, the executive agent of the present embodiment is soft SIM server (virtual SIM server), and the method comprises:
The payment request message that step 101, reception user terminal send, this payment request message comprises information and the user profile of third party's payment platform.
In the present embodiment, this third party's payment platform information can be address or the mark etc. of third party's payment platform.
As a kind of concrete embodiment, can and user terminal between set up Secure Socket Layer (SSL) (SecureSockets Layer; Be called for short: SSL) safety connects.
In the present embodiment, the payment request message that the user terminal receiving by basis sends, the third party payment platform corresponding with third party's payment platform information in this payment request message carries out authentication, and with the success of this third party's payment platform authentication after, the authentication success message that carries the user profile in this payment request message is sent to this third party's payment platform, for this third party's payment platform according to this authentication success message, indicate this user terminal and this third party's payment platform to connect, make user terminal carry out payment process by this connection, owing to having increased payment interface and bi-directional authentification process between soft SIM server and third party's payment platform, therefore, having realized user arrives after soft SIM card (virtual SIM card) in application, for this soft SIM card is carried out safe paying.
Fig. 2 is the process flow diagram of another embodiment of the present invention's disposal route of paying, and on above-mentioned basis embodiment illustrated in fig. 1, as shown in Figure 2, a kind of specific implementation of step 102 is:
Step 102a, according to this payment request message, send authentication request to this third party's payment platform.
Step 102b, receive the first sub-certificate of this third party's payment platform that this third party's payment platform returns according to this authentication request, and according to pre-configured the second sub-certificate and the second private key, this first sub-certificate is verified.
If step 102c is verified, will be verified result and this second sub-certificate and send to this third party's payment platform,, according to this first sub-certificate and the first pre-configured private key this second sub-certificate is verified for this third party's payment platform.
In the present embodiment, soft SIM server and third party's payment platform two sub-certificates and two private keys based on father's certificate and PKI generation, wherein, father's certificate and PKI do not participate in authentication process, sub-certificate of soft SIM server stores and private key (i.e. the first sub-certificate and the first private key).
In addition, also it should be noted that, if side's authentication failed sends the unsanctioned message of checking to the opposing party.
Fig. 3 is the process flow diagram of another embodiment of the present invention's disposal route of paying, and as shown in Figure 3, the executive agent of the present embodiment is third party's payment platform, and the method comprises:
In the present embodiment, soft SIM server can execution graph 1 or Fig. 2 shown in the technical scheme of embodiment of the method, it is similar that it realizes principle, repeats no more herein.
If this authentication success of step 203, receives the authentication success message that this soft SIM server sends, this authentication success message comprises user profile.
Preferably, can and user terminal between set up SSL and be connected safely.
In the present embodiment, the authentication request that the soft SIM server receiving by basis sends, carry out authentication with this soft SIM server, concrete can look bi-directional authentification handshake procedure, if receive the authentication success message that carries user profile that this soft SIM server sends, indicate user terminal corresponding to this user profile to send connection request message, to connect with this user terminal, for example safe SSL connects, make this user terminal within this SSL connects safely, carry out payment process, owing to having increased payment interface and bi-directional authentification process between soft SIM server and third party's payment platform, therefore, having realized user arrives after soft SIM card in application, for this soft SIM card is carried out safe paying.
Fig. 4 is the also process flow diagram of an embodiment of the present invention's disposal route of paying, and on above-mentioned basis embodiment illustrated in fig. 3, as shown in Figure 4, a kind of specific implementation of step 202 is:
In the present embodiment, soft SIM server and third party's payment platform two sub-certificates and two private keys based on father's certificate and PKI generation, wherein, father's certificate and PKI do not participate in authentication process, sub-certificate of soft SIM server stores and private key (i.e. the first sub-certificate and the first private key).
In addition, also it should be noted that, if side's authentication failed sends the unsanctioned message of checking to the opposing party.
Fig. 5 is the process flow diagram of another embodiment of the present invention's disposal route of paying, and as shown in Figure 5, the executive agent of the present embodiment is user terminal, and the method comprises:
In the present embodiment, soft SIM server can execution graph 1 or Fig. 2 shown in the technical scheme of embodiment of the method, third party's payment platform can execution graph 3 or Fig. 4 shown in the technical scheme of embodiment of the method, it is similar that it realizes principle, repeats no more herein.
In the present embodiment, by sending payment request message to soft SIM server, this payment request message comprises information and the user profile of third party's payment platform, for this soft SIM server according to this payment request message, the third party payment platform corresponding with the information of this third party's payment platform carries out authentication, and with the success of this third party's payment platform authentication after, the authentication success message that carries this user profile is sent to this third party's payment platform, and receive this third party's payment platform according to this carry user profile authentication success message send connection request message, and according to this connection request message, connect with this third party's payment platform, finally carry out payment process by this connection.Owing to having increased payment interface and bi-directional authentification process between soft SIM server and third party's payment platform, therefore, realize user and arrived after soft SIM card, for this soft SIM card is carried out safe paying in application.
Fig. 6 is the signaling process figure of another embodiment of the present invention's disposal route of paying, and as shown in Figure 6, the method for the present embodiment comprises:
Step 401, user terminal send payment request message to soft SIM server, and this payment request message comprises information and the user profile of third party's payment platform.
Step 402, soft SIM server, according to this payment request message, send authentication request to this third party's payment platform.
Step 403, third party's payment platform, according to this authentication request, send the first sub-certificate to soft SIM server.
Step 404, soft SIM server, according to pre-configured the second sub-certificate and the second private key, are verified this first sub-certificate.
What step 405, third party's payment platform received that soft SIM server sends is verified result and the second sub-certificate.
Step 406, third party's payment platform, according to this first sub-certificate and the first pre-configured private key, are verified this second sub-certificate.
Step 407, soft SIM server receive the result that is verified of third party's payment platform transmission.
The authentication success message that carries this user profile is sent to third party's payment platform by step 408, soft SIM service.
Step 409, third party's payment platform, according to this authentication success message, are indicated user terminal corresponding to this user profile to set up SSL with this third party's payment platform and are connected safely.
Step 410, user terminal carry out payment process within this SSL connects safely.
One of ordinary skill in the art will appreciate that: all or part of step that realizes above-mentioned each embodiment of the method can complete by the relevant hardware of programmed instruction.Aforesaid program can be stored in a computer read/write memory medium.This program, in the time carrying out, is carried out the step that comprises above-mentioned each embodiment of the method; And aforesaid storage medium comprises: various media that can be program code stored such as ROM, RAM, magnetic disc or CDs.
Fig. 7 is the structural representation of an embodiment of the present invention's treating apparatus of paying, and as shown in Figure 7, this device can 10 be thought soft SIM server, and this device 10 comprises: transmission circuit 11 and processor 12.Wherein, the payment request message that transmission circuit 11 sends for receiving user terminal, this payment request message comprises information and the user profile of third party's payment platform; Processor 12 this payment request message for receiving according to this transmission circuit 11, the third party payment platform corresponding with the information of this third party's payment platform carries out bi-directional authentification handshake procedure; Transmission circuit 11 is also for after this processor 12 and this third party's payment platform authentication are successful, the authentication success message that carries this user profile is sent to this third party's payment platform, for this third party's payment platform according to this authentication success message, indicate this user terminal and this third party's payment platform to connect, make user terminal carry out payment process by this connection.
The treating apparatus 10 of the paying of the present embodiment can execution graph 1 shown in the technical scheme of embodiment of the method, it is similar that it realizes principle, repeats no more herein.
It should be noted that, this device 10 can also comprise the devices such as storer, wherein, between storer, transmission circuit 11 and processor 12, is all connected by bus.
In the present embodiment, the payment request message that the user terminal receiving by basis sends, the third party payment platform corresponding with third party's payment platform information in this payment request message carries out authentication, and with the success of this third party's payment platform authentication after, the authentication success message that carries the user profile in this payment request message is sent to this third party's payment platform, for this third party's payment platform according to this authentication success message, indicate this user terminal and this third party's payment platform to connect, make user terminal carry out payment process by this connection, owing to having increased payment interface and bi-directional authentification process between soft SIM server and third party's payment platform, therefore, having realized user arrives after soft SIM card in application, for this soft SIM card is carried out safe paying.
Further, in another embodiment of the present invention, on above-mentioned basis embodiment illustrated in fig. 7, this transmission circuit 11 also, for according to this payment request message, sends authentication request to this third party's payment platform; And receive the first sub-certificate of this third party's payment platform that this third party's payment platform returns according to this authentication request; This processor 12 also, for according to pre-configured the second sub-certificate and the second private key, is verified this first sub-certificate; If this transmission circuit 11 is also verified for this authentication unit, will be verified result and this second sub-certificate and send to this third party's payment platform,, according to this first sub-certificate and the first pre-configured private key this second sub-certificate is verified for this third party's payment platform; This transmission circuit 11 also for receive that this third party's payment platform sends according to this first sub-certificate, what this second sub-certificate was verified is verified result.
Fig. 8 is the structural representation of another embodiment of the present invention's treating apparatus of paying, and as shown in Figure 8, this device 20 can be specially third party's payment platform, and this device 20 comprises: transmission circuit 21 and processor 22.Wherein, the authentication request that transmission circuit 21 sends for receiving soft SIM server; Processor 22 this authentication request for receiving according to this transceiver module, carries out authentication with this soft SIM server; If this transmission circuit 21 also, for this authentication success, receives the authentication success message that this soft SIM server sends, this authentication success message comprises user profile; This processor 22 is also used to indicate user terminal corresponding to this user profile and sends connection request message; This transmission circuit 21 also, for connecting with this user terminal receiving after this transmission connection request message, makes this user terminal carry out payment process by this connection.
The treating apparatus 20 of the paying of the present embodiment can execution graph 3 shown in the base case of embodiment of the method, it is similar that it realizes principle, repeats no more herein.
It should be noted that, this device 20 can also comprise the devices such as storer, wherein, between storer, transmission circuit 21 and processor 22, is all connected by bus.
In the present embodiment, the authentication request that the soft SIM server receiving by basis sends, carry out authentication with this soft SIM server, if receive the authentication success message that carries user profile that this soft SIM server sends, indicate user terminal corresponding to this user profile to send connection request message, to connect with this user terminal, make this user terminal carry out payment process by this connection, owing to having increased payment interface and bi-directional authentification process between soft SIM server and third party's payment platform, therefore, having realized user arrives after soft SIM card in application, for this soft SIM card is carried out safe paying.
Further, in another embodiment of the present invention, on above-mentioned basis embodiment illustrated in fig. 8, transmission circuit 21 is specifically for according to this authentication request, return to the first pre-configured sub-certificate to this soft SIM server,, according to pre-configured the second sub-certificate and the second private key this first sub-certificate is verified for this soft SIM server; And receive that this soft SIM server sends be verified result and this second sub-certificate; This processor 22, specifically for according to this first sub-certificate and the first pre-configured private key, is verified this second sub-certificate, if be verified, generate and is verified result; This transmission circuit 21 is specifically for being verified this result and sending to this soft SIM server.
Fig. 9 is the structural representation of an embodiment of user terminal of the present invention, and as shown in Figure 9, the user terminal 30 in the present embodiment comprises: radiating circuit 31, receiving circuit 32 and processor 33.Wherein, radiating circuit 31 is for sending payment request message to soft SIM server, this payment request message comprises information and the user profile of third party's payment platform, for this soft SIM server, according to this payment request message, the third party payment platform corresponding with the information of this third party's payment platform carries out authentication and sends comprising that the authentication success message of this user profile sends to this third party's payment platform; The connection request message that receiving circuit 32 also sends according to this authentication success message that carries user profile for receiving this third party's payment platform; Processor 33 is for according to this connection request message, triggers this receiver module and this third party's payment platform connects; And carry out payment process by this connection.
The user terminal of the present embodiment can execution graph 5 shown in the technical scheme of embodiment of the method, it is similar that it realizes principle, repeats no more herein.
It should be noted that, this user terminal puts 30 can also comprise the device such as storer, antenna, wherein, between storer, radiating circuit 31, receiving circuit 32 and processor 33, is all connected by bus.
In the present embodiment, by sending payment request message to soft SIM server, this payment request message comprises information and the user profile of third party's payment platform, for this soft SIM server according to this payment request message, the third party payment platform corresponding with the information of this third party's payment platform carries out authentication, and with the success of this third party's payment platform authentication after, the authentication success message that carries this user profile is sent to this third party's payment platform, and receive this third party's payment platform according to this carry user profile authentication success message send connection request message, and according to this connection request message, build and be connected with this third party's payment platform, finally carry out payment process by this connection.Owing to having increased payment interface and bi-directional authentification process between soft SIM server and third party's payment platform, therefore, realize user and arrived after soft SIM card, for this soft SIM card is carried out safe paying in application.
Figure 10 is the structural representation of an embodiment of the present invention's disposal system of paying, and as shown in figure 10, this system comprises: user terminal 41, soft SIM server 42 and third party's payment platform 43.Wherein, user terminal 41 is the user terminal in embodiment illustrated in fig. 9, and can carry out the method in embodiment illustrated in fig. 5; Soft SIM server 42 is the device in embodiment illustrated in fig. 7, and can execution graph 1 or embodiment illustrated in fig. 2 in method; Third party's payment platform 43 is the device in embodiment illustrated in fig. 8, and can execution graph 3 or embodiment illustrated in fig. 4 in method, it is similar that it realizes principle, repeats no more herein.
Finally it should be noted that: above each embodiment, only in order to technical scheme of the present invention to be described, is not intended to limit; Although the present invention is had been described in detail with reference to aforementioned each embodiment, those of ordinary skill in the art is to be understood that: its technical scheme that still can record aforementioned each embodiment is modified, or some or all of technical characterictic is wherein equal to replacement; And these modifications or replacement do not make the essence of appropriate technical solution depart from the scope of various embodiments of the present invention technical scheme.
Claims (11)
1. a disposal route for paying, is characterized in that, comprising:
Receive the payment request message that user terminal sends, described payment request message comprises information and the user profile of third party's payment platform;
According to described payment request message, the third party payment platform corresponding with the information of described third party's payment platform carries out authentication;
After successful with described third party's payment platform authentication, the authentication success message that carries described user profile is sent to described third party's payment platform, for described third party's payment platform according to described authentication success message, indicate described user terminal and described third party's payment platform to connect, make user terminal by carrying out payment process in described connection.
2. the disposal route of paying according to claim 1, is characterized in that, described according to described payment request message, the third party payment platform corresponding with the information of described third party's payment platform carries out authentication, comprising:
According to described payment request message, send authentication request to described third party's payment platform;
Receive the first sub-certificate of described third party's payment platform that described third party's payment platform returns according to described authentication request, and according to pre-configured the second sub-certificate and the second private key, described the first sub-certificate is verified;
If be verified, will be verified result and described the second sub-certificate sends to described third party's payment platform,, according to described the first sub-certificate and the first pre-configured private key described the second sub-certificate is verified for described third party's payment platform;
Receive that described third party's payment platform sends according to described the first sub-certificate, what described the second sub-certificate was verified is verified result.
3. a disposal route for paying, is characterized in that, comprising:
Receive the authentication request that soft SIM server sends;
According to described authentication request, carry out authentication with described soft SIM server;
If described authentication success, receives the authentication success message that described soft SIM server sends, described authentication success message comprises user profile;
Indicate user terminal corresponding to described user profile to send connection request message, to connect with described user terminal, make described user terminal carry out payment process by described connection.
4. the disposal route of paying according to claim 3, is characterized in that, described according to described authentication request, carries out bi-directional authentification handshake procedure with described soft SIM server, comprising:
According to described authentication request, return to the first pre-configured sub-certificate to described soft SIM server,, according to pre-configured the second sub-certificate and the second private key described the first sub-certificate is verified for described soft SIM server;
What receive that described soft SIM server sends is verified result and described the second sub-certificate, and according to described the first sub-certificate and the first pre-configured private key, described the second sub-certificate is verified, if be verified, generate and be verified result, and will described in be verified result and send to described soft SIM server.
5. a disposal route for paying, is characterized in that, comprising:
Send payment request message to soft SIM server, described payment request message comprises information and the user profile of third party's payment platform, for described soft SIM server, according to described payment request message, the third party payment platform corresponding with the information of described third party's payment platform carries out authentication and sends comprising that the authentication success message of described user profile sends to described third party's payment platform;
Receive described third party's payment platform according to described in carry the connection request message that the authentication success message of user profile sends, and according to described connection request message, connect with described third party's payment platform;
Carry out payment process by described connection.
6. a treating apparatus for paying, is characterized in that, comprising:
Transmission circuit, the payment request message sending for receiving user terminal, described payment request message comprises information and the user profile of third party's payment platform;
Processor, for the described payment request message receiving according to described transmission circuit, the third party payment platform corresponding with the information of described third party's payment platform carries out authentication;
Described transmission circuit is also for after described processor and the success of described third party's payment platform authentication, the authentication success message that carries described user profile is sent to described third party's payment platform, for described third party's payment platform according to described authentication success message, indicate described user terminal and described third party's payment platform to connect, make user terminal carry out payment process by described connection.
7. the treating apparatus of paying according to claim 6, is characterized in that, described transmission circuit also, for according to described payment request message, sends authentication request to described third party's payment platform; And receive the first sub-certificate of described third party's payment platform that described third party's payment platform returns according to described authentication request;
Described processor also, for according to pre-configured the second sub-certificate and the second private key, is verified described the first sub-certificate;
If described transmission circuit is also verified for described authentication unit, will be verified result and described the second sub-certificate sends to described third party's payment platform,, according to described the first sub-certificate and the first pre-configured private key described the second sub-certificate is verified for described third party's payment platform;
Described transmission circuit also for receive that described third party's payment platform sends according to described the first sub-certificate, what described the second sub-certificate was verified is verified result.
8. a treating apparatus for paying, is characterized in that, comprising:
Transmission circuit, the authentication request sending for receiving soft SIM server;
Processor, for the described authentication request receiving according to described transceiver module, carries out authentication and generates being verified result with described soft SIM server;
If described transmission circuit also, for described authentication success, receives the authentication success message that described soft SIM server sends, described authentication success message comprises user profile;
Described processor is also used to indicate user terminal corresponding to described user profile and sends connection request message;
Described transmission circuit also, for connecting with described user terminal receiving after described transmission connection request message, makes described user terminal carry out payment process by described connection.
9. the treating apparatus of paying according to claim 8, it is characterized in that, described transmission circuit is also for according to described authentication request, return to the first pre-configured sub-certificate to described soft SIM server,, according to pre-configured the second sub-certificate and the second private key described the first sub-certificate is verified for described soft SIM server; And receive that described soft SIM server sends be verified result and described the second sub-certificate;
Described processor, specifically for according to described the first sub-certificate and the first pre-configured private key, is verified described the second sub-certificate, if be verified, generate and is verified result;
Described transmission circuit also sends to described soft SIM server for being verified result described in general.
10. a user terminal, is characterized in that, comprising:
Radiating circuit, for sending payment request message to soft SIM server, described payment request message comprises information and the user profile of third party's payment platform, for described soft SIM server, according to described payment request message, the third party payment platform corresponding with the information of described third party's payment platform carries out authentication and sends comprising that the authentication success message of described user profile sends to described third party's payment platform;
Receiving circuit, for receive described third party's payment platform according to described in carry the connection request message that the authentication success message of user profile sends;
Processor, for according to described connection request message, triggers described receiver module and described third party's payment platform connects; And carry out payment process by described connection.
The disposal system of 11. 1 kinds of payings, is characterized in that, comprising: user terminal, soft SIM server and third party's payment platform; Wherein, described user terminal is user terminal as claimed in claim 10; The treating apparatus that described soft SIM server is the paying as described in claim 6 or 7; Described third party's payment platform is the treating apparatus of paying as claimed in claim 8 or 9.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210416982.3A CN103778528B (en) | 2012-10-26 | 2012-10-26 | The processing method and system and device of payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210416982.3A CN103778528B (en) | 2012-10-26 | 2012-10-26 | The processing method and system and device of payment |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN103778528A true CN103778528A (en) | 2014-05-07 |
| CN103778528B CN103778528B (en) | 2017-11-21 |
Family
ID=50570733
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201210416982.3A Active CN103778528B (en) | 2012-10-26 | 2012-10-26 | The processing method and system and device of payment |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN103778528B (en) |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104143142A (en) * | 2014-07-17 | 2014-11-12 | 马洁韵 | Payment system with mobile payment unit and security payment method |
| CN106096934A (en) * | 2016-06-30 | 2016-11-09 | 成都生辉电子科技有限公司 | A kind of communication control method |
| CN106157008A (en) * | 2016-06-30 | 2016-11-23 | 成都生辉电子科技有限公司 | A kind of intelligent terminal's safe payment method |
| CN106327172A (en) * | 2015-06-17 | 2017-01-11 | 西安中兴新软件有限责任公司 | Payment method and device for virtual SIM card terminal |
| CN107135323A (en) * | 2017-07-04 | 2017-09-05 | 中国联合网络通信集团有限公司 | The processing method and system of prepayment service |
| CN107333249A (en) * | 2017-07-04 | 2017-11-07 | 中国联合网络通信集团有限公司 | Activating method, device, system and the user's background service system of prepayment service |
| CN107426713A (en) * | 2017-07-04 | 2017-12-01 | 中国联合网络通信集团有限公司 | Activating method, device, system and the user's background service system of post payment service |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7177848B2 (en) * | 2000-04-11 | 2007-02-13 | Mastercard International Incorporated | Method and system for conducting secure payments over a computer network without a pseudo or proxy account number |
| CN101916388A (en) * | 2010-07-27 | 2010-12-15 | 武汉天喻信息产业股份有限公司 | Smart SD card and method for using same for mobile payment |
| CN102223354A (en) * | 2010-04-14 | 2011-10-19 | 阿里巴巴集团控股有限公司 | Network payment authentication method, server and system |
| CN102376046A (en) * | 2011-08-30 | 2012-03-14 | 大连明江咨询服务有限公司 | Electronic payment method |
| US20120259781A1 (en) * | 2011-04-07 | 2012-10-11 | Fote Charles T | Broker-mediated payment systems and methods |
-
2012
- 2012-10-26 CN CN201210416982.3A patent/CN103778528B/en active Active
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7177848B2 (en) * | 2000-04-11 | 2007-02-13 | Mastercard International Incorporated | Method and system for conducting secure payments over a computer network without a pseudo or proxy account number |
| CN102223354A (en) * | 2010-04-14 | 2011-10-19 | 阿里巴巴集团控股有限公司 | Network payment authentication method, server and system |
| CN101916388A (en) * | 2010-07-27 | 2010-12-15 | 武汉天喻信息产业股份有限公司 | Smart SD card and method for using same for mobile payment |
| US20120259781A1 (en) * | 2011-04-07 | 2012-10-11 | Fote Charles T | Broker-mediated payment systems and methods |
| CN102376046A (en) * | 2011-08-30 | 2012-03-14 | 大连明江咨询服务有限公司 | Electronic payment method |
Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104143142A (en) * | 2014-07-17 | 2014-11-12 | 马洁韵 | Payment system with mobile payment unit and security payment method |
| CN106327172A (en) * | 2015-06-17 | 2017-01-11 | 西安中兴新软件有限责任公司 | Payment method and device for virtual SIM card terminal |
| CN106327172B (en) * | 2015-06-17 | 2021-10-22 | 西安中兴新软件有限责任公司 | Payment method and device for virtual SIM card terminal |
| CN106096934A (en) * | 2016-06-30 | 2016-11-09 | 成都生辉电子科技有限公司 | A kind of communication control method |
| CN106157008A (en) * | 2016-06-30 | 2016-11-23 | 成都生辉电子科技有限公司 | A kind of intelligent terminal's safe payment method |
| CN107135323A (en) * | 2017-07-04 | 2017-09-05 | 中国联合网络通信集团有限公司 | The processing method and system of prepayment service |
| CN107333249A (en) * | 2017-07-04 | 2017-11-07 | 中国联合网络通信集团有限公司 | Activating method, device, system and the user's background service system of prepayment service |
| CN107426713A (en) * | 2017-07-04 | 2017-12-01 | 中国联合网络通信集团有限公司 | Activating method, device, system and the user's background service system of post payment service |
| CN107333249B (en) * | 2017-07-04 | 2019-11-26 | 中国联合网络通信集团有限公司 | Activating method, device, system and the user's background service system of prepayment service |
| CN107135323B (en) * | 2017-07-04 | 2019-11-26 | 中国联合网络通信集团有限公司 | The processing method and system of prepayment service |
| CN107426713B (en) * | 2017-07-04 | 2019-11-26 | 中国联合网络通信集团有限公司 | Activating method, device, system and the user's background service system of post payment service |
Also Published As
| Publication number | Publication date |
|---|---|
| CN103778528B (en) | 2017-11-21 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| KR101504855B1 (en) | Method for exporting on a secure server data comprised on a uicc comprised in a terminal | |
| CN103778528A (en) | Payment processing method, payment processing system and payment processing device | |
| CN102916869B (en) | Instant messaging method and system | |
| US7974603B2 (en) | Authentication vector generating device, subscriber authentication module, mobile communication system, and authentication vector generation method | |
| JP2006195728A (en) | Electronic device mounted on terminal device, and communication system | |
| CN102056077B (en) | Method and device for applying smart card by key | |
| CN101588573B (en) | Safety verifying method, system and mobile terminal, server | |
| CN101742504A (en) | Method for carrying out identity authentication by utilizing short messages | |
| CN103583067A (en) | SIM lock for multi-SIM environment | |
| CN103118356A (en) | Embedded type intelligent card e universal integrated circuit card (eUICC) activating method, system, terminal and platform | |
| KR20160143333A (en) | Method for Double Certification by using Double Channel | |
| CN101682514A (en) | Field programing of a mobile station with subscriber identification and related information | |
| CN105744517A (en) | Information authentication method and network side device | |
| CN105871864A (en) | Mobile terminal identity authentication method and device | |
| CN101527714A (en) | Method, device and system for accreditation | |
| CN105376059A (en) | Method and system for performing application signature based on electronic key | |
| CN102984335A (en) | Identity authentication method, equipment and system for making fixed-line call | |
| CN102263792A (en) | Wireless security key equipment, electronic commerce service system and method | |
| CN101841783A (en) | Short message safety communication method, system and device based on STK (SIM Tool Kit) business | |
| CN105530714A (en) | MIFI communication service system and MIFI and communication method thereof | |
| CN106385516B (en) | A kind of method, apparatus and terminal of the transfer of setting business | |
| CN102685704B (en) | Method and system for mobile phone trading | |
| CN104469772A (en) | Website equipment authentication method and device and authentication system | |
| CN202197405U (en) | Wireless safe secret key apparatus and electronic business system | |
| CN103747423A (en) | Registration method, apparatus and system of terminal application |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |