CN104899736A - Method for implementing transaction of financial IC card on mobile terminal with NFC module - Google Patents
Method for implementing transaction of financial IC card on mobile terminal with NFC module Download PDFInfo
- Publication number
- CN104899736A CN104899736A CN201510278483.6A CN201510278483A CN104899736A CN 104899736 A CN104899736 A CN 104899736A CN 201510278483 A CN201510278483 A CN 201510278483A CN 104899736 A CN104899736 A CN 104899736A
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- transaction
- mobile terminal
- bank
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- nfc module
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- 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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
-
- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a method for implementing transaction of a financial IC card on a mobile terminal with an NFC module. The method adopts a bank background transaction server, a mobile terminal application program, an NFC module driving program loaded to the mobile terminal and a bank security server for providing security certificate short message; a user initiates the transaction in an application program on the mobile terminal device with the NFC module and the next step of transaction is judged according to the service process; and A and I message identifiers are adopted to control the transaction process. If the read-write operation of an IC card is required, the NFC module driving program on the mobile terminal is called, transaction information is packed into message beginning with A and the message is used as an incoming parameter; and if account treatment is required, bank message is sent to the bank background transaction server after being encrypted by an application program. According to the method, the mobile terminal is utilized to carry out transaction on the financial IC card; the flow is simple; the user does not need to go to a bank outlet to handle the business; and limitation to time and space is broken through. The transaction implementing method provided by the present invention is suitable to application in different industries.
Description
[technical field]
The present invention relates to wireless communication technique field, be specifically related to a kind of method that financial IC card realizes concluding the business on the mobile terminal of band NFC module.
[background technology]
Financial IC card is widely used in the industries such as public transport, school, prison, and mode of doing business mainly comprises to be looked into remaining sum, supplement with money, supplement value, activation etc.The read-write of financial IC card needs by card near reader surface, transmits data complete card read-write by radiowave.The transaction of current financial IC card sector application major part is handled on bank counter, self-aided terminal.User carries out financial IC card sector application transaction and comparatively bothers, and degree of freedom is lower.
And the develop rapidly of intelligent mobile terminal application in recent years, people possess staff smart mobile phone or panel computer substantially.In this context, how realizing that client is home-confined just can complete financial IC card sector application on mobile terminals simply, safely and conclude the business, is current financial IC-card sector application urgent problem.
[summary of the invention]
Technical matters to be solved by this invention is to provide a kind of financial IC card on the mobile terminal of band NFC module, realize the method for concluding the business.
The present invention is achieved in that
Financial IC card realizes a method of concluding the business on the mobile terminal of band NFC module, the NFC module driver that the method comprises bank's backstage trading server, application program for mobile terminal, mobile terminal load, provides the bank safety server of safety certification note;
Described NFC module driver, is carried in described application program for mobile terminal, reads and writes financial IC card; Described application program for mobile terminal is connected with described bank backstage trading server, realizes transaction data transmission; Described application program for mobile terminal is connected with described bank safety server, realizes secure authenticated information transmission; Described bank backstage trading server, provides the interface of transaction for application program for mobile terminal and realizes trading function; Described bank safety server, for application program for mobile terminal provides safety certification note and dynamic key management;
Initiate transaction in the application program of user on the mobile terminal device of band NFC module, carry out judging that next step is concluded the business according to operation flow:
If desired carry out the read-write operation of financial IC card, adjusted mobile terminal NFC module driver, and Transaction Information is packaged into using the message of A beginning as importing parameter into; If desired carry out accounting processing, then bank message is sent to bank's backstage trading server after application program encryption;
For the message that NFC module driver or bank transaction server return, judge whether to stop transaction, if then stop with the message of A beginning, if then continue with the message of I beginning;
For the transaction message that NFC module driver returns, if need continuous business, then returned packet is directly sent to bank's backstage trading server after application program encryption; For the transaction message that bank's backstage trading server returns, if need continuous business, then adjust NFC module driver, using returned packet former state as importing parameter into;
Transaction circulates between NFC module driver and bank's backstage trading server, until application program stops transaction.
Further, also comprise:
In message, arrange sector application coding, NFC module driver and bank transaction server identify according to sector application coding the sector application initiating transaction.
Further, described application program for mobile terminal is with https SSL and bank safety server communication, first installation first can link bank safety server update key, the key of first renewal is as the master key of each terminal, each transaction later carries out des encryption by this key, working key lost efficacy within a certain period of time, if lost efficacy, required again more new key.
Further, when described application program for mobile terminal enters the concrete transaction of sector application, can first initiate key updating inquiry at every turn, check that terminal whether will more new key, bank safety server judges whether key is less than certain hour and will fails, if then require terminal more new key.
Further, also comprise:
When user opens application program for mobile terminal, mobile terminal obtains working key when there is network from trend service end, the working key obtained is preserved, so that the acquisition of follow-up key as client master key encryption by first installation or the rear application program for mobile terminal of refitting.
Further, also comprise:
When application program for mobile terminal sends message to bank transaction server, use master key to be encrypted message, use identical key to be decrypted when bank transaction server receives message, vice versa.
The invention has the advantages that:
1, utilize mobile terminal to conclude the business to financial IC card, flow process is simple, need not arrive bank outlets' transacting business, the restriction in breakthrough time and space;
2, in transaction, mobile terminal application and bank backstage are encrypted Transaction Information, and message transmits between internet with the form of ciphertext, add security, prevention and control risk;
3, widening the channel of financial IC card application, providing technical guarantee for effectively opening up a market.
4, in transaction, message comprises sector application coding, the transaction of different industries application is without the need to again developing new end application, only need load corresponding industry drive bag and in message, configure the issue that sector application coding can complete new sector application mobile phone A PP, system multiplexing is high, is widely used;
5, in transaction, application program for mobile terminal, without the need to being concerned about the details of transaction message, only provides the passage of message communication between driver and bank backstage.
[accompanying drawing explanation]
The invention will be further described in conjunction with the embodiments with reference to the accompanying drawings.
Fig. 1 is method flow schematic diagram of the present invention.
[embodiment]
As shown in Figure 1, financial IC card realizes a method of concluding the business on the mobile terminal of band NFC module, the NFC module driver that the method comprises bank's backstage trading server, application program for mobile terminal, mobile terminal load, provides the bank safety server of safety certification note.Described NFC module driver, is carried in described application program for mobile terminal, reads and writes financial IC card; Described application program for mobile terminal is connected with described bank backstage trading server, realizes transaction data transmission; Described application program for mobile terminal is connected with described bank safety server, realizes secure authenticated information transmission; Described bank backstage trading server, provides the interface of transaction for application program for mobile terminal and realizes trading function; Described bank safety server, for application program for mobile terminal provides safety certification note and dynamic key management.
Mobile terminal of the present invention mainly comprises mobile phone, the common mobile device such as panel computer.
Financial IC card sector application transaction of the present invention is mainly and looks into industry wallet balances, industry wallet is supplemented with money, industry wallet supplements value, the activation of industry wallet etc.
Method of commerce of the present invention is undertaken by 2G/3G/4G/WIFI connecting Internet.
Bank of the present invention background server provides service in the URL mode of https.
Client opens application program for mobile terminal, and application program obtains working key by internet to bank safety server.
Enter sector application transaction, application program for mobile terminal initiates key updating inquiry, judges whether to need to upgrade terminal key according to the result that bank safety server returns.
In concrete transaction, initiate transaction by client;
Look in remaining sum transaction, after client enters transaction interface, application program initiates transaction automatically;
In recharging payment, client inputs the mobile phone identifying code of security server transmission and by after checking, inputs recharge amount, the key elements such as bank card password, and transaction is initiated in submission;
Mend in recharging payment, after client enters transaction interface, application program initiates transaction automatically;
In activating sale, client submits to after inputting the key elements such as bank card password and initiates transaction;
Application program for mobile terminal judges Transaction Information, if desired the read-write operation of card is carried out, then send the read-write operation carrying out card with the transaction message of A beginning to the driver of NFC, after card read-write operation completes, by driver returned packet to application program for mobile terminal, application program for mobile terminal is resolved message;
If desired bank's accounting processing is carried out, then bank transaction message key is carried out des encryption, send to bank transaction server, the identical double secret key message of bank transaction server carries out DES deciphering, pending complete after, use double secret key transaction results message to carry out des encryption by bank transaction server, return to application program for mobile terminal, application program for mobile terminal is resolved message after using identical key to carry out DES deciphering;
If driver returned packet starts with A, then stop transaction by application program for mobile terminal, resolve corresponding message information and be shown to client;
If driver returned packet starts with I, then bank transaction server is sent to carry out transaction processing after message being carried out des encryption by application program for mobile terminal;
If bank transaction server returned packet starts with A, then stop transaction by application program for mobile terminal, resolve corresponding message information and be shown to client;
If bank transaction server returned packet starts with I, then by application program for mobile terminal message remained untouched and send to driver to carry out card read-write operation;
Adopt A " and " I " mark control transaction flow, make transaction can automatically in NFC driver layer between---end application layer---bank background server layer circulation perform, until application program for mobile terminal stops concluding the business;
The message of transaction comprises sector application coding and AI message identification, and sector application code identification initiates the industry of this transaction, and AI is at first of message, and whether identification message terminates.
Described application program for mobile terminal is with https SSL and bank safety server communication, first installation first can link bank safety server update key, the key of first renewal is as the master key of each terminal, each transaction later carries out des encryption by this key, working key lost efficacy within a certain period of time, if lost efficacy, required again more new key.
When described application program for mobile terminal enters the concrete transaction of sector application at every turn, first can initiate a key updating inquiry, check that terminal whether will more new key, bank safety server judges whether key is less than certain hour and will fails, if then require terminal more new key.
When user opens application program for mobile terminal, mobile terminal obtains working key when there is network from trend service end, the working key obtained is preserved, so that the acquisition of follow-up key as client master key encryption by first installation or the rear application program for mobile terminal of refitting.
When application program for mobile terminal sends message to bank transaction server, use master key to be encrypted message, use identical key to be decrypted when bank transaction server receives message, vice versa.
The invention has the advantages that:
1, utilize mobile terminal to conclude the business to financial IC card, flow process is simple, need not arrive bank outlets' transacting business, the restriction in breakthrough time and space;
2, in transaction, mobile terminal application and bank backstage are encrypted Transaction Information, and message transmits between internet with the form of ciphertext, add security, prevention and control risk;
3, widening the channel of financial IC card application, providing technical guarantee for effectively opening up a market.
4, in transaction, message comprises sector application coding, the transaction of different industries application is without the need to again developing new end application, only need load corresponding industry drive bag and in message, configure the issue that sector application coding can complete new sector application mobile phone A PP, system multiplexing is high, is widely used;
5, in transaction, application program for mobile terminal, without the need to being concerned about the details of transaction message, only provides the passage of message communication between driver and bank backstage.
The foregoing is only better enforcement use-case of the present invention, be not intended to limit protection scope of the present invention.Within the spirit and principles in the present invention all, any amendment done, equivalent replacement and improvement etc., all should be included within protection scope of the present invention.
Claims (6)
1. financial IC card realizes a method of concluding the business on the mobile terminal of band NFC module, it is characterized in that: the NFC module driver that the method comprises bank's backstage trading server, application program for mobile terminal, mobile terminal load, provide the bank safety server of safety certification note;
Described NFC module driver, is carried in described application program for mobile terminal, reads and writes financial IC card; Described application program for mobile terminal is connected with described bank backstage trading server, realizes transaction data transmission; Described application program for mobile terminal is connected with described bank safety server, realizes secure authenticated information transmission; Described bank backstage trading server, provides the interface of transaction for application program for mobile terminal and realizes trading function; Described bank safety server, for application program for mobile terminal provides safety certification note and dynamic key management;
Initiate transaction in the application program of user on the mobile terminal device of band NFC module, carry out judging that next step is concluded the business according to operation flow:
If desired carry out the read-write operation of financial IC card, adjusted mobile terminal NFC module driver, and Transaction Information is packaged into using the message of A beginning as importing parameter into; If desired carry out accounting processing, then bank message is sent to bank's backstage trading server after application program encryption;
For the message that NFC module driver or bank transaction server return, judge whether to stop transaction, if then stop with the message of A beginning, if then continue with the message of I beginning;
For the transaction message that NFC module driver returns, if need continuous business, then returned packet is directly sent to bank's backstage trading server after application program encryption; For the transaction message that bank's backstage trading server returns, if need continuous business, then adjust NFC module driver, using returned packet former state as importing parameter into;
Transaction circulates between NFC module driver and bank's backstage trading server, until application program stops transaction.
2. a kind of financial IC card as claimed in claim 1 realizes the method for transaction on the mobile terminal of band NFC module, it is characterized in that: also comprise:
In message, arrange sector application coding, NFC module driver and bank transaction server identify according to sector application coding the sector application initiating transaction.
3. a kind of financial IC card as claimed in claim 1 realizes the method for transaction on the mobile terminal of band NFC module, it is characterized in that: described application program for mobile terminal is with https SSL and bank safety server communication, first installation first can link bank safety server update key, the key of first renewal is as the master key of each terminal, each transaction later carries out des encryption by this key, working key lost efficacy within a certain period of time, if lost efficacy, required again more new key.
4. a kind of financial IC card as claimed in claim 1 realizes the method for transaction on the mobile terminal of band NFC module, it is characterized in that: when described application program for mobile terminal enters the concrete transaction of sector application at every turn, first can initiate a key updating inquiry, check that terminal whether will more new key, bank safety server judges whether key is less than certain hour and will fails, if then require terminal more new key.
5. a kind of financial IC card as claimed in claim 1 realizes the method for transaction on the mobile terminal of band NFC module, it is characterized in that: also comprise:
When user opens application program for mobile terminal, mobile terminal obtains working key when there is network from trend service end, the working key obtained is preserved, so that the acquisition of follow-up key as client master key encryption by first installation or the rear application program for mobile terminal of refitting.
6. a kind of financial IC card as claimed in claim 1 realizes the method for transaction on the mobile terminal of band NFC module, it is characterized in that: also comprise:
When application program for mobile terminal sends message to bank transaction server, use master key to be encrypted message, use identical key to be decrypted when bank transaction server receives message, vice versa.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510278483.6A CN104899736B (en) | 2015-05-28 | 2015-05-28 | A kind of method that financial IC card realizes transaction on the mobile terminal with NFC module |
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| CN201510278483.6A CN104899736B (en) | 2015-05-28 | 2015-05-28 | A kind of method that financial IC card realizes transaction on the mobile terminal with NFC module |
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| CN104899736A true CN104899736A (en) | 2015-09-09 |
| CN104899736B CN104899736B (en) | 2018-04-27 |
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Cited By (4)
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| CN105956848A (en) * | 2016-04-20 | 2016-09-21 | 广州羊城通有限公司 | IC card recharge method and system based on NFC |
| CN106204022A (en) * | 2016-07-05 | 2016-12-07 | 中国银联股份有限公司 | The method of the association rights and interests of management and safety in utilization information carrier |
| CN106355404A (en) * | 2016-08-26 | 2017-01-25 | 武汉天喻信息产业股份有限公司 | Debit credit transaction system with security loophole protection mechanism and method thereof |
| CN114970785A (en) * | 2022-06-16 | 2022-08-30 | 平安银行股份有限公司 | Application writing method and system for integrated circuit card |
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Cited By (4)
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| CN114970785A (en) * | 2022-06-16 | 2022-08-30 | 平安银行股份有限公司 | Application writing method and system for integrated circuit card |
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| Publication number | Publication date |
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| CN104899736B (en) | 2018-04-27 |
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