CN104899736B - A kind of method that financial IC card realizes transaction on the mobile terminal with NFC module - Google Patents

A kind of method that financial IC card realizes transaction on the mobile terminal with NFC module Download PDF

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Publication number
CN104899736B
CN104899736B CN201510278483.6A CN201510278483A CN104899736B CN 104899736 B CN104899736 B CN 104899736B CN 201510278483 A CN201510278483 A CN 201510278483A CN 104899736 B CN104899736 B CN 104899736B
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transaction
mobile terminal
application program
bank
message
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CN104899736A (en
Inventor
邱振生
黄秋华
陈航
吴雷
詹天庆
魏诗辉
周胜平
陈顶
王煚
翁云榕
陈炜
郑俊锋
马进
麻东亮
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Agricultural Bank of China Fujian Branch
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Agricultural Bank of China Fujian Branch
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active 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

A kind of method that financial IC card realizes transaction on the mobile terminal with NFC module, this method include bank's backstage trading server, application program for mobile terminal, the NFC module driver of mobile terminal loading, the bank safety server of offer safety certification short message;Transaction is initiated in application program of the user on the mobile terminal device with NFC module, judge merchandising in next step according to operation flow:Transaction flow is controlled using the message flag of " A " and " I ".If desired the read-write operation of IC card is carried out, has adjusted mobile terminal NFC module driver, and Transaction Information is packaged into using the message of A beginnings and is used as incoming parameter;If desired accounting processing is carried out, then bank message is sent to bank's backstage trading server after application program is encrypted.The present invention is traded financial IC card using mobile terminal, and flow is simple, it is not necessary to bank outlets' transacting business, the limitation in break through and space.Transaction implementation method proposed by the present invention is suitable for different industries application.

Description

A kind of method that financial IC card realizes transaction on the mobile terminal with NFC module
【Technical field】
The present invention relates to wireless communication technique field, and in particular to a kind of financial IC card is in the mobile terminal with NFC module The upper method for realizing transaction.
【Background technology】
Financial IC card is widely used in the industries such as public transport, school, prison, and mode of doing business mainly includes looking into remaining sum, supplementing with money, mend Supplement with money, activate.The read-write of financial IC card needs to transmit data by radio wave and complete card card close to reader surface Piece is read and write.Largely transaction is handled on bank counter, self-aided terminal for financial IC card sector application at present.User carries out finance IC Card sector application transaction is more troublesome, and the free degree is relatively low.
And the rapid development of intelligent mobile terminal application in recent years, people possess one smart mobile phone of human hand or tablet electricity substantially Brain.In this context, how to realize client stay indoors just can it is simple on mobile terminals, be safely completed financial IC card industry It is current financial IC card sector application urgent problem using transaction.
【The content of the invention】
The technical problems to be solved by the invention are to provide a kind of financial IC card on the mobile terminal with NFC module in fact The method now merchandised.
What the present invention was realized in:
A kind of method that financial IC card realizes transaction on the mobile terminal with NFC module, this method include bank backstage Trading server, application program for mobile terminal, mobile terminal loading NFC module driver, safety certification short message is provided Bank safety server;
The NFC module driver, loads in the application program for mobile terminal, financial IC card is written and read; The application program for mobile terminal is connected with bank backstage trading server, realizes that transaction data transmits;The movement End application is connected with the bank safety server, realizes that secure authenticated information transmits;Merchandise on the bank backstage Server, provides the interface of transaction for application program for mobile terminal and realizes trading function;The bank safety server, to move Dynamic end application provides safety certification short message and dynamic key management;
Transaction is initiated in application program of the user on the mobile terminal device with NFC module, is carried out according to operation flow Judge to merchandise in next step:
If desired the read-write operation of financial IC card is carried out, has adjusted mobile terminal NFC module driver, and by Transaction Information It is packaged into using the message of A beginnings and is used as incoming parameter;If desired accounting processing is carried out, then is added bank message by application program Bank's backstage trading server is sent to after close;
The message returned for NFC module driver or bank transaction server, judges whether to terminate transaction, if with The message of A beginnings then terminates, and then continues if the message started with I;
The transaction message returned for NFC module driver, if needing continuous business, by returned packet by applying journey Bank's backstage trading server is transmitted directly to after sequence encryption;The transaction message returned for bank's backstage trading server, if Continuous business is needed, then has adjusted NFC module driver, using returned packet as former state as incoming parameter;
Transaction circulates between NFC module driver and bank's backstage trading server, until application program terminates transaction.
Further, further include:
Sector application is set to encode in messages, NFC module driver and bank transaction server are according to sector application Encode to identify the sector application for initiating to merchandise.
Further, the application program for mobile terminal is with https SSL and bank safety server communication, first installation Bank safety server update key can be first connected to, master key of the key updated for the first time as each terminal, is handed over every time later Des encryption is easily carried out by the key, working key fails within a certain period of time, and more new key again is required if failure.
Further, when the application program for mobile terminal enters the particular transactions of sector application every time, one can first be initiated A key updating inquiry, check terminal whether will more new key, bank safety server judges whether key is less than certain time It will fail, if then requiring terminal more new key.
Further, further include:
When user opens application program for mobile terminal, mobile terminal is close there are work is obtained from trend server-side during network Key, application program for mobile terminal is preserved the working key of acquisition as client master key encryption after first installation or refitting, So as to the acquisition of follow-up key.
Further, further include:
When application program for mobile terminal sends message to bank transaction server, message is added using master key Close, bank transaction server is decrypted when receiving message using identical key, and vice versa.
The advantage of the invention is that:
1st, financial IC card is traded using mobile terminal, flow is simple, it is not necessary to bank outlets' transacting business, break through Time and the limitation in space;
2nd, Transaction Information is encrypted in mobile terminal application and bank backstage in merchandising, and message is in the form of ciphertext mutual Transmitted between networking, add security, prevention and control risk;
3rd, the channel of financial IC card application is widened, technical guarantee is provided effectively to open up a market.
4th, message is encoded comprising sector application in merchandising, and the transaction of different industries application should without developing new terminal again With program, need to only load corresponding industry driving bag and configure sector application coding in messages can complete new sector application hand The issue of machine APP, system multiplexing is high, is widely used;
5th, application program for mobile terminal need not be concerned about the details of transaction message in merchandising, and only provide message in driver The passage communicated between bank backstage.
【Brief description of the drawings】
The invention will be further described in conjunction with the embodiments with reference to the accompanying drawings.
Fig. 1 is the method flow schematic diagram of the present invention.
【Embodiment】
As shown in Figure 1, a kind of method that financial IC card realizes transaction on the mobile terminal with NFC module, this method bag Bank's backstage trading server, application program for mobile terminal, the NFC module driver of mobile terminal loading, offer safety are provided The bank safety server of certification short message.The NFC module driver, loads in the application program for mobile terminal, right Financial IC card is written and read;The application program for mobile terminal is connected with bank backstage trading server, realizes transaction Data transmit;The application program for mobile terminal is connected with the bank safety server, realizes that secure authenticated information transmits; Bank backstage trading server, provides the interface of transaction for application program for mobile terminal and realizes trading function;The silver Row security server, safety certification short message and dynamic key management are provided for application program for mobile terminal.
Mobile terminal of the present invention mainly includes the common mobile equipment such as mobile phone, tablet computer.
Financial IC card sector application transaction of the present invention predominantly looks into industry wallet balances, industry wallet is supplemented with money, OK Industry wallet supplement value, the activation of industry wallet etc..
Method of commerce of the present invention is carried out by 2G/3G/4G/WIFI connections internet.
Bank's background server of the present invention provides service in a manner of the URL of https.
Client opens application program for mobile terminal, and application program is close to the acquisition work of bank safety server by internet Key.
Merchandise into sector application, application program for mobile terminal initiates key updating inquiry, according to bank safety server The result of return judges whether to need to update terminal key.
In particular transactions, initiate to merchandise by client;
Look into remaining sum transaction, application program automatically initiates transaction after client enters transaction interface;
In recharging payment, client input security server send mobile phone identifying code and by verification after, input supplement gold with money The key elements such as volume, bank card password, submit and initiate transaction;
Mend in recharging payment, application program automatically initiates transaction after client enters transaction interface;
In activating sale, client submits initiation transaction after inputting the key elements such as bank card password;
Application program for mobile terminal judges Transaction Information, if desired carries out the read-write operation of card, then sends with A The transaction message of beginning carries out the read-write operation of card to the driver of NFC, after the completion for the treatment of card read-write operation, by driving journey Sequence returned packet parses message to application program for mobile terminal, application program for mobile terminal;
If desired bank's accounting processing is carried out, then bank transaction message is subjected to des encryption with key, is sent to bank's friendship Easy server, bank transaction server carries out DES decryption with identical key to message, after the completion of pending, by bank transaction Server carries out des encryption using key to transaction results message, returns to application program for mobile terminal, mobile terminal application journey After sequence carries out DES decryption using identical key, message is parsed;
If driver returned packet is started with A, terminated and merchandised by application program for mobile terminal, parse corresponding message letter Cease and be shown to client;
If driver returned packet is started with I, sent after message is carried out des encryption by application program for mobile terminal Processing is traded to bank transaction server;
If bank transaction server returned packet is started with A, terminated and merchandised by application program for mobile terminal, parsing is corresponding Message information is simultaneously shown to client;
If bank transaction server returned packet is started with I, message is remained untouched hair by application program for mobile terminal Give driver and carry out card read-write operation;
Transaction flow is controlled using A " and " I " mark, enables transaction automatically in NFC driver layers --- terminal applies Program layer --- circulate and perform between bank's background server layer, merchandise until application program for mobile terminal terminates;
The message of transaction includes sector application coding and AI message identifications, sector application code identification initiate the row of the transaction Industry, at first of message, whether identification message terminates AI.
The application program for mobile terminal can be first connected to https SSL and bank safety server communication, first installation Bank safety server update key, master key of the key updated for the first time as each terminal, merchandises by being somebody's turn to do every time later Key carries out des encryption, and working key fails within a certain period of time, and more new key again is required if failure.
When the application program for mobile terminal enters the particular transactions of sector application every time, a key updating can be first initiated Inquiry, check terminal whether will more new key, bank safety server judge key whether be less than certain time will fail, If then require terminal more new key.
When user opens application program for mobile terminal, mobile terminal is close there are work is obtained from trend server-side during network Key, application program for mobile terminal is preserved the working key of acquisition as client master key encryption after first installation or refitting, So as to the acquisition of follow-up key.
When application program for mobile terminal sends message to bank transaction server, message is added using master key Close, bank transaction server is decrypted when receiving message using identical key, and vice versa.
The advantage of the invention is that:
1st, financial IC card is traded using mobile terminal, flow is simple, it is not necessary to bank outlets' transacting business, break through Time and the limitation in space;
2nd, Transaction Information is encrypted in mobile terminal application and bank backstage in merchandising, and message is in the form of ciphertext mutual Transmitted between networking, add security, prevention and control risk;
3rd, the channel of financial IC card application is widened, technical guarantee is provided effectively to open up a market.
4th, message is encoded comprising sector application in merchandising, and the transaction of different industries application should without developing new terminal again With program, need to only load corresponding industry driving bag and configure sector application coding in messages can complete new sector application hand The issue of machine APP, system multiplexing is high, is widely used;
5th, application program for mobile terminal need not be concerned about the details of transaction message in merchandising, and only provide message in driver The passage communicated between bank backstage.
Preferable the foregoing is merely the present invention implements use-case, is not intended to limit the scope of the present invention.It is all Within the spirit and principles in the present invention, any modification, equivalent substitution and improvement for being made etc., should be included in the present invention's Within protection domain.

Claims (5)

1. a kind of method that financial IC card realizes transaction on the mobile terminal with NFC module, it is characterised in that:This method includes Bank's backstage trading server, application program for mobile terminal, the NFC module driver of mobile terminal loading, offer safety are recognized Demonstrate,prove the bank safety server of short message;
The NFC module driver, loads in the application program for mobile terminal, financial IC card is written and read;It is described Application program for mobile terminal is connected with bank backstage trading server, realizes that transaction data transmits;The mobile terminal Application program is connected with the bank safety server, realizes that secure authenticated information transmits;Bank backstage transactional services Device, provides the interface of transaction for application program for mobile terminal and realizes trading function;The bank safety server, for movement eventually Application program is held to provide safety certification short message and dynamic key management;
Client opens application program for mobile terminal, and application program obtains working key by internet to bank safety server;
Merchandise into sector application, application program for mobile terminal initiates key updating inquiry, is returned according to bank safety server Result judge whether to need to update terminal key;
In particular transactions, initiate to merchandise by client;
Look into remaining sum transaction, application program automatically initiates transaction after client enters transaction interface;
In recharging payment, client input security server send mobile phone identifying code and by verification after, input recharge amount, silver Row clip pin key element, submits and initiates transaction;
Mend in recharging payment, application program automatically initiates transaction after client enters transaction interface;
In activating sale, client submits initiation transaction after inputting bank card password key element;
Application program for mobile terminal judges Transaction Information, if desired carries out the read-write operation of card, then sends and started with A Transaction message to NFC driver carry out card read-write operation, after the completion for the treatment of card read-write operation, returned by driver Return text gives application program for mobile terminal, and application program for mobile terminal parses message;
If desired bank's accounting processing is carried out, then bank transaction message is subjected to des encryption with key, is sent to bank transaction clothes Business device, bank transaction server carries out DES decryption with identical key to message, after the completion of pending, by bank transaction service Device carries out des encryption using key to transaction results message, returns to application program for mobile terminal, application program for mobile terminal makes After carrying out DES decryption with identical key, message is parsed;
If driver returned packet is started with A, terminated and merchandised by application program for mobile terminal, parse corresponding message information simultaneously It is shown to client;
If driver returned packet is started with I, silver is sent to after message is carried out des encryption by application program for mobile terminal Row trading server is traded processing;
If bank transaction server returned packet is started with A, terminated and merchandised by application program for mobile terminal, parse corresponding message Information is simultaneously shown to client;
If bank transaction server returned packet is started with I, message is remained untouched by application program for mobile terminal and is sent to Driver carries out card read-write operation;
Transaction flow is controlled using A " and " I " mark, enables transaction automatically in NFC driver layers --- end application Layer --- circulate and perform between bank's background server layer, merchandise until application program for mobile terminal terminates;
The message of transaction includes sector application coding and AI message identifications, sector application code identification initiate the industry of the transaction, At first of message, whether identification message terminates AI;
The transaction message returned for NFC module driver, if needing continuous business, returned packet is added by application program Bank's backstage trading server is transmitted directly to after close;The transaction message returned for bank backstage trading server, if need to be after Continuous transaction, then adjusted NFC module driver, using returned packet as former state as incoming parameter;
Transaction circulates between NFC module driver and bank's backstage trading server, until application program terminates transaction.
2. the method that a kind of financial IC card as claimed in claim 1 realizes transaction on the mobile terminal with NFC module, its feature exist In:The application program for mobile terminal can first be connected to bank's peace with https SSL and bank safety server communication, first installation Full server update key, master key of the key updated for the first time as each terminal, later every time transaction by the key into Row des encryption, working key fail within a certain period of time, and more new key again is required if failure.
3. the method that a kind of financial IC card as claimed in claim 1 realizes transaction on the mobile terminal with NFC module, its feature exist In:When the application program for mobile terminal enters the particular transactions of sector application every time, a key updating inquiry can be first initiated, Check terminal whether will more new key, bank safety server judge key whether be less than certain time will fail, if Then require terminal more new key.
4. the method that a kind of financial IC card as claimed in claim 1 realizes transaction on the mobile terminal with NFC module, its feature exist In:Further include:
User open application program for mobile terminal when, mobile terminal there are during network from trend server-side obtain working key, Application program for mobile terminal is preserved the working key of acquisition as client master key encryption after first installation or refitting, so as to The acquisition of follow-up key.
5. the method that a kind of financial IC card as claimed in claim 1 realizes transaction on the mobile terminal with NFC module, its feature exist In:Further include:
When application program for mobile terminal sends message to bank transaction server, message is encrypted using master key, silver Row trading server is decrypted when receiving message using identical key, and vice versa.
CN201510278483.6A 2015-05-28 2015-05-28 A kind of method that financial IC card realizes transaction on the mobile terminal with NFC module Active CN104899736B (en)

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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
CN106355404B (en) * 2016-08-26 2020-09-01 武汉天喻信息产业股份有限公司 Debit credit transaction system and method with security vulnerability protection mechanism
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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