CN103778528B - The processing method and system and device of payment - Google Patents
The processing method and system and device of payment Download PDFInfo
- Publication number
- CN103778528B CN103778528B CN201210416982.3A CN201210416982A CN103778528B CN 103778528 B CN103778528 B CN 103778528B CN 201210416982 A CN201210416982 A CN 201210416982A CN 103778528 B CN103778528 B CN 103778528B
- Authority
- CN
- China
- Prior art keywords
- party payment
- payment platform
- certificate
- sub
- payment
- 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.)
- Active
Links
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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Mobile Radio Communication Systems (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention provides a kind of processing method and system and device of payment, and this method includes：The payment request message that user terminal is sent is received, the payment request message includes the information and user profile of Third-party payment platform；According to the payment request message, Third-party payment platform corresponding with the information of the Third-party payment platform is authenticated；After being authenticated successfully with the Third-party payment platform, the authentication successful message for carrying the user profile is sent to the Third-party payment platform, so that the Third-party payment platform is according to the authentication successful message, indicate that the user terminal is established with the Third-party payment platform to connect so that user terminal in the connection by carrying out payment process.
Description
Technical field
The present invention relates to the processing method and system and device of the communication technology, more particularly to a kind of payment.
Background technology
Existing global system for mobile communications（Global System of Mobile communication；Referred to as：
GSM）Digital mobile telephone must load onto client identification module（Subscriber Identity Module；Referred to as：SIM）Afterwards
It can use.Wherein, the SIM is also referred to as smart card or subscriber identification card.The SIM carries the chip of microprocessor, its
The information of digital mobile phone client is stored, the content such as the key of encryption and the telephone directory of user, is available for GSM network client
Identity differentiated, and voice messaging when conversing client is encrypted.
, can be with particularly for international roaming, such as when user is national to popular tourism in addition, roamed for user
International roaming is opened on the SIM, but is likely to result in the international roaming expense of costliness, adds the financial burden of user；
In order to reduce using original SIM and caused by expensive international roaming expense, can typically use local pre-payment SIM replace
For former SIM, still, original SIM can be caused to be used in the tourism country, the use to user brings inconvenience（Such as：
Due to having changed SIM so that other people can not contact the user etc.）.Therefore, in roaming situations, the user can apply soft
SIM card is also known as virtual SIM card, i.e. the soft SIM servers URL of user terminal access belonging to user obtains soft SIM information, should
Soft SIM information includes soft number, and makes the soft number and hard number while be in holding state, so that other users can be with
The user is exhaled by soft number or hard number, so it is convenient for users to use, also effectively save international roaming
Expense.Wherein, it be roaming place operator that this, which specifies operator, and the soft number is the number for specifying operator's offer, the hard number
The number provided for home-operator.
But how after soft SIM card is arrived in user's application, it is to need badly to solve at present to carry out safe paying for the soft SIM card
Technical problem certainly.
The content of the invention
The embodiment of the present invention provides a kind of processing method and system and device of payment, is applying for realizing user
To after soft SIM card, safe paying is carried out for the soft SIM card.
The first aspect of the present invention is to provide a kind of processing method of payment, including：
The payment request message that user terminal is sent is received, the payment request message includes the letter of Third-party payment platform
Breath and user profile；
According to the payment request message, Third-party payment platform corresponding with the information of the Third-party payment platform is entered
Row authentication；
After being authenticated successfully with the Third-party payment platform, the authentication successful message for carrying the user profile is sent out
The Third-party payment platform is given, so that the Third-party payment platform is according to the authentication successful message, indicates the use
Family terminal is established with the Third-party payment platform and connected so that user terminal in the connection by carrying out payment process.
It is described according to the payment request message in the first possible implementation of first aspect, with described
Third-party payment platform corresponding to the information of tripartite's payment platform is authenticated, including：
According to the payment request message, certification request is sent to the Third-party payment platform；
Receive the first of the Third-party payment platform that the Third-party payment platform returns according to the certification request
Sub- certificate, and according to the be pre-configured with second sub- certificate and the second private key, the described first sub- certificate is verified；
If being verified, result will be verified and the second sub- certificate is sent to the Third-party payment platform,
So that the Third-party payment platform is according to the described first sub- certificate and the first private key being pre-configured with, to the described second sub- certificate
Verified；
Receive that the Third-party payment platform sends according to the described first sub- certificate, the described second sub- certificate is tested
Card is verified result.
The second aspect of the present invention is to provide a kind of processing method of payment, including：
Receive the certification request that soft SIM servers are sent；
According to the certification request, authenticated with the soft SIM servers；
If described authenticate successfully, receives the authentication successful message that the soft SIM servers are sent, the authentication successful message
Including user profile；
Indicate that user terminal corresponding to the user profile sends connection request message, connected with being established with the user terminal
Connect so that the user terminal carries out payment process by the connection.
It is described according to the certification request in the first possible implementation of second aspect, with the soft SIM
Server carries out bi-directional authentification handshake procedure, including：
According to the certification request, the first sub- certificate being pre-configured with is returned to the soft SIM servers, for described soft
SIM servers are verified according to the be pre-configured with second sub- certificate and the second private key to the described first sub- certificate；
Receive the soft SIM servers transmission is verified result and the second sub- certificate, and according to described first
Sub- certificate and the first private key being pre-configured with, are verified to the described second sub- certificate, if being verified, generation is verified
As a result, and by the result that is verified it is sent to the soft SIM servers.
The third aspect of the present invention is to provide a kind of processing method of payment, including：
Payment request message is sent to soft SIM servers, the payment request message includes the letter of Third-party payment platform
Breath and user profile, so that the soft SIM servers are according to the payment request message, the letter with the Third-party payment platform
Third-party payment platform corresponding to breath authenticated and send the authentication successful message including the user profile be sent to it is described
Third-party payment platform；
Receive the Third-party payment platform and the connection that the authentication successful message of user profile is sent is carried according to
Request message, and according to the connection request message, establish and connect with the Third-party payment platform；
Payment process is carried out by the connection.
The fourth aspect of the present invention is to provide a kind of processing unit of payment, including：
Transmission circuit, for receiving the payment request message of user terminal transmission, the payment request message includes the 3rd
The information and user profile of square payment platform；
Processor, for the payment request message received according to the transmission circuit, with the Third-party payment
Third-party payment platform corresponding to the information of platform is authenticated；
The transmission circuit is additionally operable to after the processor and the Third-party payment platform authenticate successfully, will be carried
The authentication successful message of the user profile is sent to the Third-party payment platform, for the Third-party payment platform according to
The authentication successful message, indicate that the user terminal is established with the Third-party payment platform and connect so that user terminal leads to
Cross the connection and carry out payment process.
In the first possible implementation of fourth aspect, the transmission circuit is additionally operable to according to the payment request
Message, certification request is sent to the Third-party payment platform；And receive the Third-party payment platform and asked according to the certification
Seek the first sub- certificate of the Third-party payment platform of return；
The processor is additionally operable to according to the second sub- certificate and the second private key being pre-configured with, to the described first sub- certificate
Verified；
It is verified if the transmission circuit is additionally operable to the authentication unit, result and second son will be verified
Certificate is sent to the Third-party payment platform, so that the Third-party payment platform is matched somebody with somebody according to the described first sub- certificate and in advance
The first private key put, the described second sub- certificate is verified；
The transmission circuit is additionally operable to receive that the Third-party payment platform sends according to the described first sub- certificate, to institute
That states that the second sub- certificate verified is verified result.
The fifth aspect of the present invention is to provide a kind of processing unit of payment, including：
Transmission circuit, the certification request sent for receiving soft SIM servers；
Processor, for the certification request received according to the transceiver module, carried out with the soft SIM servers
Authentication；
If the transmission circuit be additionally operable to it is described authenticate successfully, receive the authentication that the soft SIM servers are sent and successfully disappear
Breath, the authentication successful message include user profile；
The processor is additionally operable to indicate that user terminal corresponding to the user profile sends connection request message；
The transmission circuit, which is additionally operable to establish with the user terminal after the transmission connection request message is received, to be connected
Connect so that the user terminal carries out payment process by the connection.
In the first possible implementation of the 5th aspect, the transmission circuit is specifically used for please according to the certification
Ask, the first sub- certificate being pre-configured with is returned to the soft SIM servers, so that the soft SIM servers are according to being pre-configured with
The second sub- certificate and the second private key, the described first sub- certificate is verified；And receive testing for the soft SIM servers transmission
Card passes through result and the second sub- certificate；
The processor is specifically used for according to the described first sub- certificate and the first private key being pre-configured with, to the described second son
Certificate is verified, if being verified, generation is verified result；
The transmission circuit is specifically used for the result that is verified being sent to the soft SIM servers.
The sixth aspect of the present invention is to provide a kind of user terminal, including：
Radiating circuit, for sending payment request message to soft SIM servers, the payment request message includes third party
The information and user profile of payment platform, so that the soft SIM servers are according to the payment request message, with the third party
Third-party payment platform corresponding to the information of payment platform, which is authenticated and sends the authentication including the user profile, successfully to disappear
Breath is sent to the Third-party payment platform；
Receiving circuit, the authentication for carrying user profile according to for receiving the Third-party payment platform successfully disappear
Cease the connection request message sent；
Processor, for according to the connection request message, triggering the receiving module and the Third-party payment platform
Establish connection；And payment process is carried out by the connection.
The seventh aspect of the present invention is to provide a kind of processing system of payment, it is characterised in that including：It is user terminal, soft
SIM servers and Third-party payment platform；Wherein, the user terminal is the user terminal described in the as described above the 6th aspect；Institute
State processing unit of the soft SIM servers for the payment as described in above-mentioned fourth aspect；The Third-party payment platform is as described above
The processing unit of payment described in 5th aspect.
By the payment request message sent according to the user terminal received, with the third party in the payment request message
Third-party payment platform corresponding to payment platform information is authenticated, and after being authenticated successfully with the Third-party payment platform, will
The authentication successful message for carrying the user profile in the payment request message is sent to the Third-party payment platform, for this
Tripartite's payment platform indicates that the user terminal is established with the Third-party payment platform and connected according to the authentication successful message so that
User terminal carries out payment process by the connection, due to adding branch between soft SIM servers and Third-party payment platform
Interface and two-way authentication process are paid, is paid it is thereby achieved that user carries out safety after applying arriving soft SIM card, for the soft SIM card
Take.
Brief description of the drawings
Fig. 1 is the flow chart of the one embodiment for the processing method that the present invention pays；
Fig. 2 is the flow chart of another embodiment of the processing method that the present invention pays；
Fig. 3 is the flow chart of another embodiment of the processing method that the present invention pays；
Fig. 4 is the flow chart of a still further embodiment for the processing method that the present invention pays；
Fig. 5 is the flow chart of the further embodiment for the processing method that the present invention pays；
Fig. 6 is the signaling process figure of another embodiment of the processing method that the present invention pays；
Fig. 7 is the structural representation of the one embodiment for the processing unit that the present invention pays；
Fig. 8 is the structural representation of another embodiment of the processing unit that the present invention pays；
Fig. 9 is the structural representation of one embodiment of user terminal of the present invention；
Figure 10 is the structural representation of the one embodiment for the processing system that the present invention pays.
Embodiment
Fig. 1 is the flow chart of the one embodiment for the processing method that the present invention pays, as shown in figure 1, the present embodiment is held
Row main body is soft SIM servers（Virtual SIM server）, then this method include：
Step 101, the payment request message that user terminal is sent is received, the payment request message is put down including Third-party payment
The information and user profile of platform.
In the present embodiment, the Third-party payment platform information can be address or the mark of Third-party payment platform
Deng.
Step 102, put down according to the payment request message, Third-party payment corresponding with the information of the Third-party payment platform
Platform is authenticated.
Step 103, after being authenticated successfully with the Third-party payment platform, the authentication for carrying the user profile is successfully disappeared
Breath is sent to the Third-party payment platform, so that the Third-party payment platform is according to the authentication successful message, indicates user end
End is established with the Third-party payment platform and connected so that user terminal carries out payment process by the connection.
As a kind of specific embodiment, SSL can be established between user terminal（SecureSockets
Layer；Referred to as：SSL）Secure connection.
In the present embodiment, by the payment request message sent according to the user terminal received, with the payment request
Third-party payment platform corresponding to Third-party payment platform information in message is authenticated, and with the Third-party payment platform
After authenticating successfully, the authentication successful message of the user profile carried in the payment request message is sent to the Third-party payment
Platform, so that the Third-party payment platform is according to the authentication successful message, indicate the user terminal and the Third-party payment platform
Establish connection so that user terminal carries out payment process by the connection, due in soft SIM servers and Third-party payment platform
Between add payment interface and two-way authentication process, it is thereby achieved that user application arrive soft SIM card（Virtual SIM card）Afterwards,
Safe paying is carried out for the soft SIM card.
Fig. 2 is the flow chart of another embodiment of the processing method that the present invention pays, in above-mentioned embodiment illustrated in fig. 1
On the basis of, as shown in Fig. 2 a kind of specific implementation of step 102 is：
Step 102a, according to the payment request message, certification request is sent to the Third-party payment platform.
Step 102b, the of the Third-party payment platform that the Third-party payment platform returns according to the certification request is received
One sub- certificate, and according to the be pre-configured with second sub- certificate and the second private key, the first sub- certificate is verified.
If step 102c, being verified, result will be verified and the second sub- certificate is sent to the Third-party payment
Platform, so that the Third-party payment platform is according to the first sub- certificate and the first private key being pre-configured with, to the second sub- certificate
Verified.
Step 102d, receive the Third-party payment platform transmission according to the first sub- certificate, the second sub- certificate is entered
Row checking is verified result.
In the present embodiment, soft SIM servers and Third-party payment platform generated based on father's certificate and public key two
Individual sub- certificate and two private keys, wherein, father's certificate and public key are not involved in authentication process, and soft SIM servers store a sub- certificate
And private key（I.e. first sub- certificate and the first private key）.
If in addition, it should also be noted that, side's authentication failed, sends and verifies unsanctioned message to the opposing party.
Fig. 3 is the flow chart of another embodiment of the processing method that the present invention pays, as shown in figure 3, the present embodiment
Executive agent is Third-party payment platform, then this method includes：
Step 201, receive the certification request that soft SIM servers are sent.
In the present embodiment, soft SIM servers can perform the technical scheme of embodiment of the method shown in Fig. 1 or Fig. 2, in fact
Existing principle is similar, and here is omitted.
Step 202, according to the certification request, authenticated with the soft SIM servers.
If the success of step 203, the authentication, the authentication successful message that the soft SIM servers are sent is received, the authentication successfully disappears
Breath includes user profile.
Step 204, indicate that user terminal corresponding to the user profile sends connection request message, to be built with the user terminal
Vertical connection so that the user terminal carries out payment process by the connection.
Preferably, SSL secure connections can be established between user terminal.
In the present embodiment, by the certification request sent according to the soft SIM servers received, serviced with the soft SIM
Device is authenticated, and can specifically regard bi-directional authentification handshake procedure, if receive that the soft SIM servers send carries user
The authentication successful message of information, it indicates that corresponding to the user profile user terminal send connection request message, with the user
Terminal establishes connection, such as safe SSL connections so that and the user terminal carries out payment process in the SSL secure connections, due to
Payment interface and two-way authentication process are added between soft SIM servers and Third-party payment platform, it is thereby achieved that user
After applying arriving soft SIM card, safe paying is carried out for the soft SIM card.
Fig. 4 is the flow chart of a still further embodiment for the processing method that the present invention pays, in above-mentioned embodiment illustrated in fig. 3
On the basis of, as shown in figure 4, a kind of specific implementation of step 202 is：
Step 202a, according to the certification request, the first sub- certificate being pre-configured with is returned to the soft SIM servers, for
The soft SIM servers are verified according to the be pre-configured with second sub- certificate and the second private key to the first sub- certificate.
Step 202b, receive soft SIM servers transmission is verified result and the second sub- certificate, and according to this
First sub- certificate and the first private key being pre-configured with, are verified to the second sub- certificate, if being verified, generation checking is logical
Result is crossed, and this is verified result and is sent to the soft SIM servers.
In the present embodiment, soft SIM servers and Third-party payment platform generated based on father's certificate and public key two
Individual sub- certificate and two private keys, wherein, father's certificate and public key are not involved in authentication process, and soft SIM servers store a sub- certificate
And private key（I.e. first sub- certificate and the first private key）.
If in addition, it should also be noted that, side's authentication failed, sends and verifies unsanctioned message to the opposing party.
Fig. 5 is the flow chart of the further embodiment for the processing method that the present invention pays, as shown in figure 5, the present embodiment
Executive agent is user terminal, then this method includes：
Step 301, to soft SIM servers payment request message is sent, the payment request message puts down including Third-party payment
The information and user profile of platform, so that the soft SIM servers are according to the payment request message, the letter with the Third-party payment platform
Third-party payment platform corresponding to breath, which is authenticated and sends the authentication successful message including the user profile, is sent to the 3rd
Square payment platform.
In the present embodiment, soft SIM servers can perform the technical scheme of embodiment of the method shown in Fig. 1 or Fig. 2, and the 3rd
Square payment platform can perform the technical scheme of embodiment of the method shown in Fig. 3 or Fig. 4, and its realization principle is similar, herein no longer
Repeat.
Step 302, receive what the Third-party payment platform was sent according to the authentication successful message for carrying user profile
Connection request message, and according to the connection request message, establish and connect with the Third-party payment platform.
Step 303, pass through connection progress payment process.
In the present embodiment, by sending payment request message to soft SIM servers, the payment request message includes the 3rd
The information and user profile of square payment platform, so that the soft SIM servers are according to the payment request message, with the Third-party payment
Third-party payment platform corresponding to the information of platform is authenticated, and after being authenticated successfully with the Third-party payment platform, will be taken
Authentication successful message with the user profile is sent to the Third-party payment platform, and receive the Third-party payment platform according to
The connection request message that the authentication successful message for carrying user profile is sent, and according to the connection request message, with this
Tripartite's payment platform establishes connection, and payment process is carried out finally by the connection.Due in soft SIM servers and Third-party payment
Payment interface and two-way authentication process are added between platform, it is thereby achieved that user is after applying arriving soft SIM card, it is soft for this
SIM card carries out safe paying.
Fig. 6 is the signaling process figure of another embodiment of the processing method that the present invention pays, as shown in fig. 6, this implementation
The method of example includes：
Step 401, user terminal send payment request message to soft SIM servers, and the payment request message includes the 3rd
The information and user profile of square payment platform.
Step 402, soft SIM servers send certification request according to the payment request message to the Third-party payment platform.
Step 403, Third-party payment platform send the first sub- certificate according to the certification request to soft SIM servers.
Step 404, soft SIM servers are according to the be pre-configured with second sub- certificate and the second private key, to the first sub- certificate
Verified.
What step 405, the soft SIM servers of Third-party payment platform reception were sent is verified result and the second sub- certificate.
Step 406, Third-party payment platform are according to the first sub- certificate and the first private key being pre-configured with, to second son
Certificate is verified.
What step 407, soft SIM servers reception Third-party payment platform were sent is verified result.
The authentication successful message for carrying the user profile is sent to Third-party payment and put down by step 408, soft SIM services
Platform.
Step 409, Third-party payment platform indicate user terminal corresponding to the user profile according to the authentication successful message
SSL secure connections are established with the Third-party payment platform.
Step 410, user terminal carry out payment process in the SSL secure connections.
One of ordinary skill in the art will appreciate that：Realizing all or part of step of above-mentioned each method embodiment can lead to
The related hardware of programmed instruction is crossed to complete.Foregoing program can be stored in a computer read/write memory medium.The journey
Sequence upon execution, execution the step of including above-mentioned each method embodiment；And foregoing storage medium includes：ROM, RAM, magnetic disc or
Person's CD etc. is various can be with the medium of store program codes.
Fig. 7 is the structural representation of the one embodiment for the processing unit that the present invention pays, as shown in fig. 7, the device can
10 think soft SIM servers, then the device 10 includes：Transmission circuit 11 and processor 12.Wherein, transmission circuit 11 is used to receive
The payment request message that user terminal is sent, the payment request message include the information and user profile of Third-party payment platform；
Processor 12 is used for the payment request message received according to the transmission circuit 11, the information pair with the Third-party payment platform
The Third-party payment platform answered carries out bi-directional authentification handshake procedure；Transmission circuit 11 is additionally operable to manage device 12 and the 3rd in this place
After square payment platform authenticates successfully, the authentication successful message for carrying the user profile is sent to the Third-party payment platform,
So that the Third-party payment platform is according to the authentication successful message, indicates that the user terminal is established with the Third-party payment platform and connect
Connect so that user terminal carries out payment process by the connection.
The processing unit 10 of the payment of the present embodiment can perform the technical scheme of embodiment of the method shown in Fig. 1, and it is realized
Principle is similar, and here is omitted.
It should be noted that the device 10 can also including memory etc. device, wherein, memory, the and of transmission circuit 11
It is connected between processor 12 by bus.
In the present embodiment, by the payment request message sent according to the user terminal received, with the payment request
Third-party payment platform corresponding to Third-party payment platform information in message is authenticated, and with the Third-party payment platform
After authenticating successfully, the authentication successful message of the user profile carried in the payment request message is sent to the Third-party payment
Platform, so that the Third-party payment platform is according to the authentication successful message, indicate the user terminal and the Third-party payment platform
Establish connection so that user terminal carries out payment process by the connection, due in soft SIM servers and Third-party payment platform
Between add payment interface and two-way authentication process, it is thereby achieved that user apply arrive soft SIM card after, for the soft SIM card
Carry out safe paying.
Further, in another embodiment of the present invention, on the basis of above-mentioned embodiment illustrated in fig. 7, the transmitting-receiving
Circuit 11 is additionally operable to according to the payment request message, and certification request is sent to the Third-party payment platform；And receive the third party
First sub- certificate of the Third-party payment platform that payment platform returns according to the certification request；The processor 12 is additionally operable to basis
The second sub- certificate being pre-configured with and the second private key, the first sub- certificate is verified；Should if the transmission circuit 11 is additionally operable to
Authentication unit is verified, then will be verified result and the second sub- certificate is sent to the Third-party payment platform, for this
Third-party payment platform is verified according to the first sub- certificate and the first private key being pre-configured with to the second sub- certificate；Should
Transmission circuit 11 be additionally operable to receive Third-party payment platform transmission according to the first sub- certificate, the second sub- certificate is carried out
Checking is verified result.
Fig. 8 is the structural representation of another embodiment of the processing unit that the present invention pays, as shown in figure 8, the device
20 can be specially Third-party payment platform, then the device 20 includes：Transmission circuit 21 and processor 22.Wherein, transmission circuit
21 are used to receive the certification request that soft SIM servers are sent；Processor 22 is used for the certification received according to the transceiver module
Request, is authenticated with the soft SIM servers；If the transmission circuit 21 is additionally operable to authentication success, the soft SIM servers are received
The authentication successful message of transmission, the authentication successful message include user profile；The processor 22 is additionally operable to indicate the user profile
Corresponding user terminal sends connection request message；The transmission circuit 21 is additionally operable to after the transmission connection request message is received
Establish and connect with the user terminal so that the user terminal carries out payment process by the connection.
The processing unit 20 of the payment of the present embodiment can perform the base case of embodiment of the method shown in Fig. 3, and it is realized
Principle is similar, and here is omitted.
It should be noted that the device 20 can also including memory etc. device, wherein, memory, the and of transmission circuit 21
It is connected between processor 22 by bus.
In the present embodiment, by the certification request sent according to the soft SIM servers received, serviced with the soft SIM
Device is authenticated, if receiving the authentication successful message for carrying user profile that the soft SIM servers are sent, it indicates that the use
User terminal corresponding to the information of family sends connection request message, is connected with being established with the user terminal so that the user terminal leads to
Cross the connection and carry out payment process, due to adding payment interface and double between soft SIM servers and Third-party payment platform
To authentication process, it is thereby achieved that user carries out safe paying after applying arriving soft SIM card, for the soft SIM card.
Further, in another embodiment of the present invention, on the basis of above-mentioned embodiment illustrated in fig. 8, transmitting-receiving electricity
Road 21 is specifically used for according to the certification request, the first sub- certificate being pre-configured with is returned to the soft SIM servers, so that this is soft
SIM servers are verified according to the be pre-configured with second sub- certificate and the second private key to the first sub- certificate；And it is soft to receive this
What SIM servers were sent is verified result and the second sub- certificate；The processor 22 is specifically used for according to the first sub- certificate
With the first private key being pre-configured with, the second sub- certificate is verified, if being verified, generation is verified result；Should
Transmission circuit 21 is sent to the soft SIM servers specifically for this is verified into result.
Fig. 9 is the structural representation of one embodiment of user terminal of the present invention, as shown in figure 9, the use in the present embodiment
Family terminal 30 includes：Radiating circuit 31, receiving circuit 32 and processor 33.Wherein, radiating circuit 31 is used for soft SIM servers
Payment request message is sent, the payment request message includes the information and user profile of Third-party payment platform, for the soft SIM
Server is authenticated according to the payment request message, Third-party payment platform corresponding with the information of the Third-party payment platform
And send and include the authentication successful message of the user profile and be sent to the Third-party payment platform；Receiving circuit 32 is additionally operable to receive
The connection request message that the Third-party payment platform is sent according to the authentication successful message for carrying user profile；Processor 33
For according to the connection request message, triggering the receiving module and establishing connection with the Third-party payment platform；And pass through the connection
Carry out payment process.
The user terminal of the present embodiment can perform the technical scheme of embodiment of the method shown in Fig. 5, and its realization principle is similar
Seemingly, here is omitted.
It should be noted that the user terminal, which puts 30, can also include the devices such as memory, antenna, wherein, memory, hair
It is connected between transmit-receive radio road 31, receiving circuit 32 and processor 33 by bus.
In the present embodiment, by sending payment request message to soft SIM servers, the payment request message includes the 3rd
The information and user profile of square payment platform, so that the soft SIM servers are according to the payment request message, with the Third-party payment
Third-party payment platform corresponding to the information of platform is authenticated, and after being authenticated successfully with the Third-party payment platform, will be taken
Authentication successful message with the user profile is sent to the Third-party payment platform, and receive the Third-party payment platform according to
The connection request message that the authentication successful message for carrying user profile is sent, and according to the connection request message, with this
Tripartite's payment platform builds connection, and payment process is carried out finally by the connection.Due to being put down in soft SIM servers and Third-party payment
Payment interface and two-way authentication process are added between platform, it is thereby achieved that user apply arrive soft SIM card after, for the soft SIM
Card carries out safe paying.
Figure 10 is the structural representation of the one embodiment for the processing system that the present invention pays, as shown in Figure 10, the system
Including：User terminal 41, soft SIM servers 42 and Third-party payment platform 43.Wherein, user terminal 41 is to implement shown in Fig. 9
User terminal in example, and the method in embodiment illustrated in fig. 5 can be performed；Soft SIM servers 42 are in embodiment illustrated in fig. 7
Device, and the method in Fig. 1 or embodiment illustrated in fig. 2 can be performed；Third-party payment platform 43 is in embodiment illustrated in fig. 8
Device, and the method in Fig. 3 or embodiment illustrated in fig. 4 can be performed, its realization principle is similar, and here is omitted.
Finally it should be noted that：Various embodiments above is merely illustrative of the technical solution of the present invention, rather than its limitations；To the greatest extent
The present invention is described in detail with reference to foregoing embodiments for pipe, it will be understood by those within the art that：Its according to
The technical scheme described in foregoing embodiments can so be modified, either which part or all technical characteristic are entered
Row equivalent substitution；And these modifications or replacement, the essence of appropriate technical solution is departed from various embodiments of the present invention technology
The scope of scheme.
Claims (11)
- A kind of 1. processing method of payment, it is characterised in that including：Receive the payment request message that user terminal is sent, the information of the payment request message including Third-party payment platform and User profile；According to the payment request message, Third-party payment platform corresponding with the information of the Third-party payment platform is reflected Power；After being authenticated successfully with the Third-party payment platform, the authentication successful message for carrying the user profile is sent to The Third-party payment platform, so that the Third-party payment platform is according to the authentication successful message, indicate that the user is whole End is established with the Third-party payment platform and connected so that user terminal in the connection by carrying out payment process.
- 2. the processing method of payment according to claim 1, it is characterised in that it is described according to the payment request message, Third-party payment platform corresponding with the information of the Third-party payment platform is authenticated, including：According to the payment request message, certification request is sent to the Third-party payment platform；Receive the first son card of the Third-party payment platform that the Third-party payment platform returns according to the certification request Book, and according to the be pre-configured with second sub- certificate and the second private key, the described first sub- certificate is verified；If being verified, result will be verified and the second sub- certificate is sent to the Third-party payment platform, for The Third-party payment platform is carried out according to the described first sub- certificate and the first private key being pre-configured with to the described second sub- certificate Checking；Receive that the Third-party payment platform sends according to the described first sub- certificate, the described second sub- certificate is verified It is verified result.
- A kind of 3. processing method of payment, it is characterised in that including：Receive the certification request that soft SIM servers are sent；According to the certification request, authenticated with the soft SIM servers；If described authenticate successfully, receives the authentication successful message that the soft SIM servers are sent, the authentication successful message includes User profile；Indicate that user terminal corresponding to the user profile sends connection request message, connected with being established with the user terminal, So that the user terminal carries out payment process by the connection.
- 4. the processing method of payment according to claim 3, it is characterised in that it is described according to the certification request, with institute State soft SIM servers and carry out bi-directional authentification handshake procedure, including：According to the certification request, the first sub- certificate being pre-configured with is returned to the soft SIM servers, for the soft SIM Server is verified according to the be pre-configured with second sub- certificate and the second private key to the described first sub- certificate；Receive the soft SIM servers transmission is verified result and the second sub- certificate, and is demonstrate,proved according to the described first son Book and the first private key being pre-configured with, are verified to the described second sub- certificate, if being verified, generation is verified knot Fruit, and the result that is verified is sent to the soft SIM servers.
- A kind of 5. processing method of payment, it is characterised in that including：Send payment request message to soft SIM servers, the information of the payment request message including Third-party payment platform and User profile, so that the soft SIM servers are according to the payment request message, the information pair with the Third-party payment platform The Third-party payment platform answered, which is authenticated and sends the authentication successful message including the user profile, is sent to the described 3rd Square payment platform；Receive the Third-party payment platform and the connection request that the authentication successful message of user profile is sent is carried according to Message, and according to the connection request message, establish and connect with the Third-party payment platform；Payment process is carried out by the connection.
- A kind of 6. processing unit of payment, it is characterised in that including：Transmission circuit, for receiving the payment request message of user terminal transmission, the payment request message includes third party's branch Pay the information and user profile of platform；Processor, for the payment request message received according to the transmission circuit, with the Third-party payment platform Information corresponding to Third-party payment platform authenticated；The transmission circuit is additionally operable to after the processor and the Third-party payment platform authenticate successfully, will be carried described The authentication successful message of user profile is sent to the Third-party payment platform, so that the Third-party payment platform is according to Authentication successful message, indicate that the user terminal is established with the Third-party payment platform and connect so that user terminal passes through institute State connection and carry out payment process.
- 7. the processing unit of payment according to claim 6, it is characterised in that the transmission circuit is additionally operable to according to Payment request message, certification request is sent to the Third-party payment platform；And the Third-party payment platform is received according to institute State the first sub- certificate of the Third-party payment platform of certification request return；The processor is additionally operable to, according to the second sub- certificate and the second private key being pre-configured with, test the described first sub- certificate Card；It is verified if the transmission circuit is additionally operable to the authentication unit, result and the second sub- certificate will be verified The Third-party payment platform is sent to, so that the Third-party payment platform according to the described first sub- certificate and is pre-configured with First private key, the described second sub- certificate is verified；The transmission circuit is additionally operable to receive that the Third-party payment platform sends according to the described first sub- certificate, to described the What two sub- certificates were verified is verified result.
- A kind of 8. processing unit of payment, it is characterised in that including：Transmission circuit, the certification request sent for receiving soft SIM servers；Processor, for the certification request received according to the transceiver module, authenticated with the soft SIM servers And generate and be verified result；If the transmission circuit is additionally operable to described authenticate and successfully, receives the authentication successful message that the soft SIM servers are sent, institute Stating authentication successful message includes user profile；The processor is additionally operable to indicate that user terminal corresponding to the user profile sends connection request message；The transmission circuit is additionally operable to establish with the user terminal after the transmission connection request message is received and connected, and makes Obtain the user terminal and pass through the connection progress payment process.
- 9. the processing unit of payment according to claim 8, it is characterised in that the transmission circuit is additionally operable to according to Certification request, the first sub- certificate being pre-configured with is returned to the soft SIM servers, so that the soft SIM servers are according to pre- The the second sub- certificate first configured and the second private key, the described first sub- certificate is verified；And receive the soft SIM servers hair That send is verified result and the second sub- certificate；The processor is specifically used for according to the described first sub- certificate and the first private key being pre-configured with, to the described second sub- certificate Verified, if being verified, generation is verified result；The transmission circuit is additionally operable to the result that is verified being sent to the soft SIM servers.
- A kind of 10. user terminal, it is characterised in that including：Radiating circuit, for sending payment request message to soft SIM servers, the payment request message includes Third-party payment The information and user profile of platform, so that the soft SIM servers are according to the payment request message, with the Third-party payment Third-party payment platform corresponding to the information of platform is authenticated and sends the authentication successful message hair including the user profile Give the Third-party payment platform；Receiving circuit, the authentication successful message hair of user profile is carried according to for receiving the Third-party payment platform The connection request message sent；Processor, for according to the connection request message, triggering the receiving module and being established with the Third-party payment platform Connection；And payment process is carried out by the connection.
- A kind of 11. processing system of payment, it is characterised in that including：User terminal, soft SIM servers and Third-party payment are put down Platform；Wherein, the user terminal is user terminal as claimed in claim 10；The soft SIM servers are such as claim 6 Or the processing unit of the payment described in 7；The Third-party payment platform is the processing dress paid as claimed in claim 8 or 9 Put.
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 CN103778528A (en) | 2014-05-07 |
| CN103778528B true 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) |
Families Citing this family (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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
Citations (4)
| 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 |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| 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 (4)
| 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 |
| CN102376046A (en) * | 2011-08-30 | 2012-03-14 | 大连明江咨询服务有限公司 | Electronic payment method |
Also Published As
| Publication number | Publication date |
|---|---|
| CN103778528A (en) | 2014-05-07 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN103778528B (en) | The processing method and system and device of payment | |
| CN103916844B (en) | Client identification module card activating method and virtual client identification module card server | |
| EP2564308B1 (en) | Secure and efficient login and transaction authentication using iphones and other smart mobile communication devices | |
| CN106161359B (en) | It authenticates the method and device of user, register the method and device of wearable device | |
| CN105450617B (en) | A kind of payment verification method, apparatus and system | |
| US8099077B2 (en) | Customer identification and authentication procedure for online internet payments using mobile phone | |
| CN106936792A (en) | Safety certifying method and system and the mobile terminal for safety certification | |
| CN103903141B (en) | A kind of O2O safe payment methods, system and a kind of POS terminal | |
| CN104618314B (en) | A kind of password remapping method, device and system | |
| CN103905401B (en) | A kind of identity identifying method and equipment | |
| WO2001028155A1 (en) | Method and apparatus for executing secure data transfer in a wireless network | |
| CN106875177A (en) | Order processing method, device and paying server | |
| CN105871864B (en) | Mobile terminal authentication method and device | |
| CN108234385A (en) | A kind of method for authenticating user identity and device | |
| EP1422646B1 (en) | System and Method for Electronic Purchase | |
| RU2005118828A (en) | MODE FOR CARRYING multifactorial strong authentication cardholders USING MOBILE PHONE IN A MOBILE COMMUNICATION ENVIRONMENT interbank financial transactions in international payment systems PROTOCOL SPECIFICATIONS FOR 3-D SECURE (VARIANTS) AND SYSTEM implements it | |
| CN105338000B (en) | A kind of verification method, verification system | |
| KR101926020B1 (en) | System for Operating a Payment by using Dynamic Determined Authentication Number | |
| JP2013097650A (en) | Authentication system, authentication method and authentication server | |
| CN109561429A (en) | A kind of method for authenticating and equipment | |
| CN109754240A (en) | Method and system, payment platform and the bank's platform of payment platform binding bank card | |
| CN104009850B (en) | A kind of method for authenticating user identity and system | |
| CN106980977B (en) | Payment method and system based on Internet of things | |
| CN103139210A (en) | Method of safety authentication | |
| CN101998225A (en) | Method, system and device for realizing user terminal service |
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 |