CN104715360B - Cash collecting system is paid without card and pays cashing method without card - Google Patents
Cash collecting system is paid without card and pays cashing method without card Download PDFInfo
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- CN104715360B CN104715360B CN201310684964.8A CN201310684964A CN104715360B CN 104715360 B CN104715360 B CN 104715360B CN 201310684964 A CN201310684964 A CN 201310684964A CN 104715360 B CN104715360 B CN 104715360B
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Abstract
The present invention relates to pay cash collecting system without card and pay cashing method without card.The system includes payment method, apparatus, authenticating device, gathering method, apparatus, payment platform, wherein payment method, apparatus has: payment application, for executing operation relevant to paying；First wireless communication module, for carrying out communication connection with authenticating device, authenticating device has: memory module, storage key information relevant to payment platform, gathering method, apparatus；Second wireless communication module, for carrying out communication connection with payment method, apparatus, gathering method, apparatus, which has: gathering application, for executing operation relevant to collecting money；Third wireless communication module, for carrying out communication connection with authenticating device；Display module, for showing the information for confirmation payment user identity legitimacy.It is capable of providing a kind of easy to use, flexible and highly-safe payment system and method for payment according to the present invention.
Description
Technical field
The present invention relates to mobile payment fields, pay cash collecting system and nothing without card more particularly to without network support
Card payment cashing method.
Background technique
In the prior art, the related payment patent based on bluetooth is all based on the point pair established between beneficiary and paying party
Point transmission channel sends payment information.Although the mode has provided a user a kind of convenient and fast non-face-to-face method of payment, still
In terms of safety or exist following insufficient:
(1) paying party needs, which carry out registering in advance with backstage payment system, authorizes or directly has its to initiate payment movement,
It needs by mobile Internet.It is inconvenient to use in no network signal；
(2) beneficiary can only passively collect money, and cannot effectively confirm the true legitimacy of paying party identity, i.e., cannot be effective
Fraud prevention transaction；
(3) need additionally to be implanted into security module in Cash collecting equipment for storing the communication key between payment platform, branch
The information such as sensitive information encryption key are paid, the transformation and maintenance cost of gathering method, apparatus are increased.If gathering method, apparatus is also
The mobile devices such as mobile phone, plate, then it can only be between the payment system of backstage because safety chip memory communicating key is lacked
Unidirectional secure transmission tunnel is established, the security risk of payment is increased；
(4) if Cash collecting equipment is the mobile devices such as mobile phone, plate and notebook, the bluetooth transaction externally provided connects
The concurrent quantity connect is limited, while will increase the exploitation complexity of payment APP, while increasing amount of equipment power consumption, and then is dropped
The payment Experience Degree of low user and trade company.
Summary of the invention
In view of the above problems, the present invention is intended to provide one kind can be improved payment safety and using safely and conveniently
Cash collecting system is paid without card and pays cashing method without card.
Of the invention pays cash collecting system without card characterized by comprising payment method, apparatus, authenticating device, beneficiary are set
Standby, payment platform,
The payment method, apparatus has:
Payment application, for executing operation relevant to paying；
First wireless communication module, for carrying out communication connection with the authenticating device；
The authenticating device has:
Memory module, storage key information relevant to the payment platform, gathering method, apparatus；
Second wireless communication module, for carrying out communication connection with the payment method, apparatus, the gathering method, apparatus,
The gathering method, apparatus has:
Gathering application, for executing operation relevant to collecting money；
Third wireless communication module, for carrying out communication connection with the authenticating device；
Display module, for showing the information for confirmation payment user identity legitimacy,
The payment platform is used to store user's payment account information and the payment request for completing user.
Preferably, first wireless communication module, second wireless communication module, the third wireless communication module
Respectively bluetooth module.
Preferably, pass through the SSL safe transmission based on PKI technology between the authenticating device and the payment method, apparatus
Channel connection is connected between the authenticating device and the gathering method, apparatus by the SSL secure transmission tunnel based on PKI technology
It connects, is connected between the payment platform and the gathering method, apparatus by the SSL secure transmission tunnel based on PKI technology.
Preferably, user's payment account information include user's unique identifying number and for confirmation payment user identity it is legal
The information of property.
Preferably, it is described in the case that the information for confirmation payment user identity legitimacy is user's portrait photo
Payment platform is used to receive the user information sent from the gathering method, apparatus and returns to user's portrait photo information accordingly, described
Display module is for showing user's portrait photo.
Preferably, the memory module of the authenticating device stores the key information in a manner of cured.
Preferably, the authenticating device is also equipped with: power supply module, for the memory module and the second wireless telecommunications mould
Block is powered.
Preferably, the power supply module is band power storage module or USB port power supply module or can load power supply.
Preferably, the payment method, apparatus is mobile device, and the gathering method, apparatus is mobile device or POS terminal.
Of the invention pays cashing method without card, and this method utilizes payment method, apparatus, authenticating device, gathering method, apparatus, branch
Platform is paid to realize characterized by comprising
Authenticating device, and the conduct in authenticating device are registered to payment platform in advance and claimed to registration step, beneficiary
Key information, trade company's ID number and access password is at least written in authentication information；
Step is bound, gathering method, apparatus and authenticating device, which pass through two-way authentication, to be completed to bind；
Payment step, comprising:
Authenticating device is registered to payment method, apparatus, is verified and information of registering is sent to the first of gathering method, apparatus
Sub-step；
Information of registering is forwarded to payment platform to gathering method, apparatus and payment platform returns to basis and registers what information extraction went out
The second sub-step of userspersonal information；
Confirm that gathering method, apparatus sends transaction amount, user's unique identification information after trading according to userspersonal information
The third sub-step of Trading Authorization code is obtained from authenticating device to authenticating device；And
Gathering method, apparatus sends payment platform for the Trading Authorization code and payment information of acquisition and is carried out by payment platform
After certification execute payment transaction and return payment result to collect money method, apparatus the 4th sub-step.
Preferably, in the payment step, while four sub-step or later, further includes: payment is flat
Platform is after completing payment transaction by the 5th sub-step of payment result advice and pay method, apparatus.
Preferably, first sub-step includes:
Authenticating device searches payment method, apparatus and establishes connection to send request of registering to payment method, apparatus；
Payment method, apparatus confirms request of registering, if generating information of registering by confirmation；
The payment method, apparatus information that will register is sent to authenticating device；
Authenticating device verifies information of registering；And
Gathering method, apparatus will be forwarded to by the information of registering of verification.
Preferably, second sub-step includes:
The gathering method, apparatus information that will register is forwarded to payment platform；
Payment platform verifies information of registering, and user is extracted from the database of payment platform according to information is registered
People's information simultaneously returns to gathering method, apparatus.
Preferably, the third sub-step includes:
Beneficiary judges the true legitimacy of user identity according to the userspersonal information sent from payment platform；
It is after method, apparatus of collecting money that transaction amount, user is unique in the case where judging result user identity is true legal
Identification information is sent to authenticating device；And
Authenticating device returns to Trading Authorization code to gathering method, apparatus according to transaction amount, user's unique identification information.
Preferably, the third sub-step includes:
Trading Authorization code and payment information are sent payment platform by gathering method, apparatus；
Payment platform executes payment transaction after authenticating to the payment information and Trading Authorization code that above send；And
The payment result for executing payment transaction is returned to gathering method, apparatus by payment platform.
Preferably, the binding step includes following sub-steps:
SSL secure transmission tunnel is established between gathering method, apparatus authenticating device and completes two-way authentication；
It inputs access password code from gathering method, apparatus and is sent to authenticating device and authenticated；
Authenticating device authenticates access password code, and to gathering method, apparatus return authentication result.
Preferably, it is carried out between authenticating device and payment method, apparatus by the SSL secure transmission tunnel based on PKI technology
Data transmission carries out data biography by the SSL secure transmission tunnel based on PKI technology between authenticating device and gathering method, apparatus
It is defeated, carried out data transmission between payment platform and gathering method, apparatus by the SSL secure transmission tunnel based on PKI technology.
It is according to the present invention of the invention without card payment cash collecting system and without card payment cash collecting system, it can obtain following
Technical effect:
(1) it does not need by means of internet, can pass through close range wireless communication mode in no network signal yet
Such as bluetooth approach is mutual to connect gathering method, apparatus, authenticating device, payment method, apparatus；
(2) in gathering method, apparatus side, the userspersonal information that sends from payment platform can be utilized to the identity of user
True legitimacy authenticated, therefore, can effectively confirm the true legitimacy of paying party identity, can effectively take precautions against and take advantage of
Swindleness transaction；
(3) beneficiary is reduced as the bridge between gathering method, apparatus and method, apparatus of paying the bill by setting authenticating device
The complexity of the transformation of equipment；
(4) entire payment process, user without digging out mobile phone, bank card and the operation such as input password, therefore it is easy to use,
Flexibility is high；
(5) the payment key of payment platform is solidificated in independent authenticating device independently of gathering method, apparatus, to payment
Transaction is authorized, and can more flexible, safely be traded；
(6) can also power supply module authenticating device is powered or is charged, use time and using experience degree side
Face is good.
Detailed description of the invention
Fig. 1 is the organigram without card payment cash collecting system of an embodiment of the present invention.
Fig. 2 is the specific flow chart of the invention without the binding step in card payment cashing method.
Fig. 3 is the specific flow chart of the invention without the payment step in card payment cashing method.
Specific embodiment
What is be described below is some in multiple embodiments of the invention, it is desirable to provide to basic understanding of the invention.And
It is not intended to and confirms crucial or conclusive element of the invention or limit scope of the claimed.
Fig. 1 is the organigram without card payment cash collecting system of an embodiment of the present invention.
Referring to Fig. 1 being specifically described without card payment cash collecting system for an embodiment of the present invention.
As shown in Figure 1, it is of the invention without card payment cash collecting system include: payment method, apparatus 100, authenticating device 200, gathering
Method, apparatus 300, payment platform 400.Wherein, as a feature of the present invention point, in payment method, apparatus 100 and gathering method, apparatus
The authenticating device 200 for being authorized to payment transaction of bridge joint effect is provided between 300.
It is said respectively below for payment method, apparatus 100, authenticating device 200, gathering method, apparatus 300, payment platform 400
It is bright.
Method, apparatus 100 of paying the bill is generally mobile device, such as mobile phone or tablet computer, needs to support wireless telecommunications function
Energy.Payment method, apparatus 100 has: payment is using 101, for executing operation relevant to paying；And the first wireless telecommunications mould
Block 102, for carrying out communication connection with the authenticating device.
Authenticating device 200 can be a portable equipment.Authentication module 200 mainly has: memory module 201, storage with it is described
Payment platform, the relevant key information of gathering method, apparatus；Second wireless communication module 202 is used for and the payment method, apparatus, institute
It states gathering method, apparatus and carries out communication connection；And power supply module 203, for the memory module 201 and the second wireless telecommunications
Module 202 is powered.Power supply module 203 can be band power storage module or USB port power supply module or can load power supply.?
In the present invention, beneficiary (trade company) is registered to payment platform 400 in advance and claims authenticating device.Beneficiary is divided after the completion of registration
It with gathering key information and is written in gathering method, apparatus 300, while obtaining the authenticating device 200 by initialization, recognizing
The authentication informations such as key information, trade company ID, access password are had been written into card equipment 200.
Gathering method, apparatus 300 can be mobile device perhaps POS terminal such as mobile phone or tablet computer, and need to prop up
Hold wireless communication function and display function.The gathering method, apparatus 300 mainly has: gathering applies 301, for executing and collecting money
Relevant operation；Third wireless communication module 302, for carrying out communication connection with the authenticating device；Display module 303 is used
In display for the information of confirmation payment user identity legitimacy.
Payment platform 400 is used to store user's payment account information and the payment request for completing user.User's account
Family information includes at least user's unique identifying number and portrait photo information.Payment platform 400 mainly can be realized following function:
(1) customer identification number sent on gathering method, apparatus 300 is received, and returns to corresponding user's portrait photo information to it；(2) it receives
And handle the payment request sent on gathering method, apparatus.
In the present embodiment, as an embodiment, the first wireless communication module 102, the second wireless communication module
202, third wireless communication module 302 is all realized by wireless communication module bluetooth-capable.Certainly, the first wireless telecommunications
Module 102, the second wireless communication module 202, third wireless communication module 302 are also not limited to the wireless telecommunications of Bluetooth function
Module is also possible to other medium and long distance wireless communication modes.
In the present invention, payment platform 400 by one-time transaction authorization code to the identity legitimacy of authenticating device 200 into
Row certification.The second wireless communication module 202 that authenticating device 200 has by it is established with payment method, apparatus based on PKI technology
SSL secure transmission tunnel, and user is needed to authorize, authorization can be input PIN code or unlocking screen operation etc..It receives
The third wireless communication module 302 and authenticating device 200 that money method, apparatus 300 has also by it establish the SSL based on PKI technology
Secure transmission tunnel and the password code authentication for needing beneficiary, this process are called " binding " operation, operate and have about " binding "
Hold in vivo to be described below.SSL safety is established by PKI technology between gathering method, apparatus 300 and payment platform 400
Transmission channel.Beneficiary needs to confirm current paying party and user's portrait from payment platform return when confirming this transaction
Photo is consistent, and Cai Kexiang payment platform 400 initiates payment request, while needing to apply for Trading Authorization code to authenticating device 200.Branch
It after paying the completion payment authorization of platform 400, needs to send payment result notification message to user, includes transaction amount and merchant information
Deng occurring mode can be such as SMS, mail.
In the present embodiment, pass through the SSL safety based on PKI technology between authenticating device 200 and payment method, apparatus 100
Transmission channel connection is connected between authenticating device 200 and gathering method, apparatus 300 by the SSL secure transmission tunnel based on PKI technology
It connects, moreover, being connected between payment platform 400 and gathering method, apparatus 300 also by the SSL secure transmission tunnel based on PKI technology.
PKI (Public Key Infrastructure) technology is a kind of utilization public key cryptography for following standard,
PKI is to provide the system or platform of public key encryption and digital signature service, in order to manage key and certificate.One mechanism
Key is managed by using PKI frame and certificate can establish the network environment of a safety.SSL(Secure Sockets
Layer Secure Socket Layer) it is that a kind of security protocol of safety and data integrity is provided for network communication, in transport layer
Network connection is encrypted.
It is according to the present invention it is of the invention without card payment cash collecting system can obtain following technical effect:
(1) it does not need by means of internet, can pass through close range wireless communication mode in no network signal yet
Such as bluetooth approach is mutual to connect gathering method, apparatus, authenticating device, payment method, apparatus；
(2) in gathering method, apparatus side, the userspersonal information that sends from payment platform can be utilized to the identity of user
True legitimacy authenticated, therefore, can effectively confirm the true legitimacy of paying party identity, can effectively take precautions against and take advantage of
Swindleness transaction；
(3) beneficiary is reduced as the bridge between gathering method, apparatus and method, apparatus of paying the bill by setting authenticating device
The complexity of the transformation of equipment；
(4) entire payment process, user without digging out mobile phone, bank card and the operation such as input password, therefore it is easy to use,
Flexibility is high；
(5) the payment key of payment platform is solidificated in independent authenticating device independently of gathering method, apparatus, to payment
Transaction is authorized, and can more flexible, safely be traded；
(6) can also power supply module authenticating device is powered or is charged, use time and using experience degree side
Face is good.
It is illustrated above for of the invention without card payment cash collecting system.
It is illustrated without what card payment cash collecting system was realized without card payment cashing method below for using this.
Of the invention mainly includes three key steps without card payment cashing method: registration step, binding step, Yi Jizhi
Pay step.
Below for: registration step, binding step and payment step are illustrated.
(1) registration step
Firstly, beneficiary (trade company) is registered to payment platform 400 in advance and claims authenticating device.Beneficiary after the completion of registration
By key informations such as assigned beneficiary PKI certificates, and it is written in gathering method, apparatus 300.It obtains simultaneously by initialization
Authenticating device 200, including be written to key information (including PKI certificate and symmetric key), trade company's ID number, access password code etc.
Authentication information.
(2) step is bound
In the present invention, gathering method, apparatus 300 will be bound in advance with authenticating device 200, and by the authenticating device 200
Safety both facilitates gathering method, apparatus 300 to be attached with it in suitable position, while the paying party for being also conveniently connected to user is set
Standby 100.
Fig. 2 is the specific flow chart of the invention without the binding step in card payment cashing method.As shown in Fig. 2, binding
Step includes following sub-steps:
Step 1: establishing SSL secure transmission tunnel between gathering method, apparatus 300 and authenticating device 200 and complete two-way to recognize
Card.
Step 2: inputting access password code from gathering method, apparatus 300 and be sent to authenticating device 200 and authenticated.
Step 3: authenticating device authenticates access password code, and whether return authentication is as a result, authenticate success with surface
(only after the success of access password code authentication, entire binding procedure is just counted as function, can just accept subsequent payment gathering and hand over
Easily).
(3) payment step
Fig. 3 is the specific flow chart of the invention without the payment step in card payment cashing method.As shown in figure 3, payment
Step includes following sub-steps:
Step 1: its Bluetooth function having of authenticating device 200 searches neighbouring payment equipment, it is assumed that and paying party has n,
Pay the bill method, apparatus 1~payment method, apparatus n, in fig. 3, it is assumed that payment method, apparatus 1 is that the paying party for preparing to pay the bill is set
If standby, connection is just actively established in the case that authenticating device 200 once finds payment method, apparatus 1 and to payment method, apparatus
1, which sends shopping, is automatically signing in solicited message.
Step 2: paying party confirms solicited message, that is, agrees to or disagree.Unlocking screen, input can be passed through
The modes such as personal PIN code are completed；If user agrees to, information of registering is generated, the paying parties such as phone number is can be and uniquely marks
Know information, which should be registered excessively on payment platform 400.
Step 3: above-mentioned information of registering is sent to authenticating device 200 by bluetooth by payment method, apparatus 1；
Step 4: authenticating device 200 calculates check code, such as mac code to information of registering, and is sent to paying party equipment
300；
Step 5: gathering method, apparatus 300 information that will register is transmitted to payment platform 400；
Step 6: payment platform 400 verifies the information of registering, and user corresponding is extracted from database
People's information simultaneously returns to gathering method, apparatus 300, and personal information mainly includes the information such as Xiao's photo, name, phone number.
Step 7: after paying party has selected commodity, the unique identification informations such as name or phone number are quoted to beneficiary,
It is the same person that beneficiary comparison user's portrait and photo, which are shown no, later, to decide whether to confirm this transaction.
Step 8: after beneficiary confirms the transaction, gathering method, apparatus 300 sends out the information such as transaction amount, user's unique identification
It gives authenticating device 200 and applies for Trading Authorization code.
Step 9: authenticating device 200 returns to corresponding Trading Authorization code to gathering method, apparatus 300.
Step 10: gathering method, apparatus 300 forwards payment information and Trading Authorization code to payment platform 400.
Step 11: payment platform 400 authenticates the payment information and Trading Authorization code that above send, and authentication result is led to
Know and returns to gathering method, apparatus 300.
Step 12: payment platform 400 also sends payment result notice to payment method, apparatus 1 simultaneously.
There is following technical effects without card payment cashing method of the invention:
(1) it does not need by means of internet, can pass through close range wireless communication mode in no network signal yet
Such as bluetooth approach is mutual to connect gathering method, apparatus, authenticating device, payment method, apparatus；
(2) in gathering method, apparatus side, the userspersonal information that sends from payment platform can be utilized to the identity of user
True legitimacy authenticated, therefore, can effectively confirm the true legitimacy of paying party identity, can effectively take precautions against and take advantage of
Swindleness transaction；
(3) entire payment process, user without digging out mobile phone, bank card and the operation such as input password, therefore it is easy to use,
Flexibility is high.
Example above primarily illustrates of the invention without card payment cash collecting system and without card payment cashing method.Although only
Some of a specific embodiment of the invention are described, but those of ordinary skill in the art are it is to be appreciated that this hair
It is bright to implement without departing from its spirit in range in many other form.Therefore, the example and embodiment shown
It is considered as illustrative and not restrictive, not departing from the spirit and scope of the present invention as defined in appended claims
In the case of, the present invention may cover various modification and replacement.
Claims (8)
1. a kind of pay cashing method without card, this method utilizes payment method, apparatus, authenticating device, gathering method, apparatus, payment platform
To realize, characterized by comprising:
Authenticating device is registered to payment platform in advance and claimed to registration step, beneficiary, and as certification in authenticating device
Key information, trade company's ID number and access password is at least written in information；
Step is bound, gathering method, apparatus and authenticating device, which pass through two-way authentication, to be completed to bind；
Payment step, comprising:
Authenticating device is registered to payment method, apparatus, is verified and information of registering is sent to the first sub-step of gathering method, apparatus
Suddenly；
Information of registering is forwarded to payment platform to gathering method, apparatus and payment platform returns to the user gone out according to information extraction of registering
Second sub-step of personal information；
Confirm that gathering method, apparatus sends transaction amount, user's unique identification information to recognize after trading according to userspersonal information
Equipment is demonstrate,proved to obtain the third sub-step of Trading Authorization code from authenticating device；And
Gathering method, apparatus sends payment platform for the Trading Authorization code and payment information of acquisition and is authenticated by payment platform
Afterwards execute payment transaction and return payment result to collect money method, apparatus the 4th sub-step.
2. paying cashing method without card as described in claim 1, which is characterized in that
In the payment step, while four sub-step or later, further includes: payment platform is completed to pay
By the 5th sub-step of payment result advice and pay method, apparatus after transaction.
3. paying cashing method without card as claimed in claim 2, which is characterized in that
First sub-step includes:
Authenticating device searches payment method, apparatus and establishes connection to send request of registering to payment method, apparatus；
Payment method, apparatus confirms request of registering, if generating information of registering by confirmation；
The payment method, apparatus information that will register is sent to authenticating device；
Authenticating device verifies information of registering；And
Gathering method, apparatus will be forwarded to by the information of registering of verification.
4. paying cashing method without card as claimed in claim 3, which is characterized in that
Second sub-step includes:
The gathering method, apparatus information that will register is forwarded to payment platform；
Payment platform verifies information of registering, and individual subscriber letter is extracted from the database of payment platform according to information is registered
It ceases and returns to gathering method, apparatus.
5. as claimed in claim 4 pay cashing method without card, which is characterized in that
The third sub-step includes:
Beneficiary judges the true legitimacy of user identity according to the userspersonal information sent from payment platform；
In the case where judging result user identity is true legal, by transaction amount, user's unique identification after method, apparatus of collecting money
Information is sent to authenticating device；And
Authenticating device returns to Trading Authorization code to gathering method, apparatus according to transaction amount, user's unique identification information.
6. paying cashing method without card described in claim 5, which is characterized in that
The third sub-step includes:
Trading Authorization code and payment information are sent payment platform by gathering method, apparatus；
Payment platform executes payment transaction after authenticating to the payment information and Trading Authorization code that above send；And
The payment result for executing payment transaction is returned to gathering method, apparatus by payment platform.
7. as claimed in claim 6 pay cashing method without card, which is characterized in that
The binding step includes following sub-steps:
SSL secure transmission tunnel is established between gathering method, apparatus authenticating device and completes two-way authentication；
It inputs access password code from gathering method, apparatus and is sent to authenticating device and authenticated；
Authenticating device authenticates access password code, and to gathering method, apparatus return authentication result.
8. paying cashing method without card as described in claim 1~7 any one, which is characterized in that
Carried out data transmission between authenticating device and payment method, apparatus by the SSL secure transmission tunnel based on PKI technology,
Carried out data transmission between authenticating device and gathering method, apparatus by the SSL secure transmission tunnel based on PKI technology,
Carried out data transmission between payment platform and gathering method, apparatus by the SSL secure transmission tunnel based on PKI technology.
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109087108A (en) * | 2018-07-26 | 2018-12-25 | 江苏恒宝智能系统技术有限公司 | A kind of electronic equipment Verification System comprising power supply management |
| CN111932248A (en) * | 2020-09-27 | 2020-11-13 | 支付宝(杭州)信息技术有限公司 | Method and system for payment based on wireless communication and biological characteristics |
| CN113657887A (en) * | 2021-08-03 | 2021-11-16 | 中国银联股份有限公司 | Non-card account payment method, device, system and storage medium |
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| CN104715360A (en) | 2015-06-17 |
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