CN104966198A - Authorized consumption method and system - Google Patents
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- CN104966198A CN104966198A CN201510402686.1A CN201510402686A CN104966198A CN 104966198 A CN104966198 A CN 104966198A CN 201510402686 A CN201510402686 A CN 201510402686A CN 104966198 A CN104966198 A CN 104966198A
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/388—Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-response
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
- G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
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- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses an authorized consumption method and an authorized consumption system. Pre-authorization is carried out by a cash card to generate an authorization code associated with authorized amount while fee deduction operation is completed; then, the authorization code is sent to a consumption terminal; the authorization code, a card number of the cash card and amount of consumption are sent to a verification system by the consumption terminal; the authorized amount is analyzed out, according to the authorization code, by the verification system and judgment is made to determine whether the authorized amount is greater than the amount of consumption or not; if the authorized amount is greater than the amount of the consumption, the verification is successful, otherwise, the verification is failed; and different operations are implemented according to the verified results by the consumption terminal. According to the method disclosed by the invention, consumption, under authorization, of a card holder is realized, i.e., other authorized people also can consume with money in a card of the card holder even the card is not carried. The authorized consumption method is simple in authorized consumption process, and the authorized consumption system, which is improved based on a current cash card and the consumption terminal, is very convenient to operate, and is especially suitable for being used in consumption of small merchants.
Description
Technical field
The present invention relates to and authorize consumer technology field, particularly one mandate consuming method and system.
Background technology
At present, most bank card, when paying, all needs holder to go card swiping terminal to carry out bankcard consumption with card, only has and just can realize the deduction of consumption terminal to fund in card by " swiping the card " this single stepping.This consumption pattern limits the sphere of consumption of fiscard (comprising member card, bank card, credit card, Gift Card etc.) undoubtedly, such as when other people need use holder fiscard consumption but holder not at one's side time, then cannot realize remote authorization capability consumption.This limits the sphere of consumption of fiscard undoubtedly, also make to have to carry an amount of money enough bank's cards when going out consumption, otherwise cannot be authorized by other people and solve payment problems in time, especially for the minor without independent fiscal administration ability, comparatively inconvenience.
Summary of the invention
The object of the present invention is to provide a kind of mandate consuming method, holder cannot be allowed to authorize other people to carry out the problem of consuming by the amount of money on the card held in staff without use when card to solve existing fiscard.
For achieving the above object, the invention provides a kind of method of authorizing consumption, comprising:
S1: cash card receives the mandate amount of money of input, generates the authorization code relevant to the described mandate amount of money, withholds to the local finance data of cash according to the described mandate amount of money simultaneously;
S2: consumption terminal obtains card number and authorization code, receives the spending amount of input simultaneously, and card number, authorization code and spending amount are sent to verification system;
S3: described verification system parses the mandate amount of money according to described authorization code, and the mandate amount of money and spending amount are compared, if spending amount is less than or equal to the mandate amount of money, then be proved to be successful, export the message of Transaction Success to described consumption terminal, if spending amount is greater than the mandate amount of money, then authentication failed, export the message of Fail Transaction to described consumption terminal;
S4: as described in consumption terminal receive the message of Transaction Success, then complete transaction, as described in consumption terminal receive the message of Fail Transaction, then do not conclude the business.
Preferably, described cash card has stored value card EP, the local finance data of described cash card is the balance data in described stored value card, and withholing in described step S1 is specially the amount of money that deduction is identical with described mandate dollar amount from the remaining sum described stored value card.
Preferably, described consumption terminal comprises POS or PC end, and described POS and PC end are provided with terminal called module, and described communication module is for completing POS and the data interaction between PC end and verification system.
Preferably, be provided with authorization module in described cash card, after the described mandate amount of money inputs described authorization module, authorization module is encrypted computing according to the prestored secret key of cash card with authorizing the amount of money, and obtains described authorization code according to the result of cryptographic calculation.
Preferably, described prestored secret key is the private key generated based on rivest, shamir, adelman, and the PKI generated based on rivest, shamir, adelman is then stored in described verification system; Or described prestored secret key is the key generated based on symmetric encipherment algorithm, in described verification system, also store the key that this generates based on symmetric encipherment algorithm;
Wherein, authorization code is generated according to the identifying code deciphering of the PKI stored or double secret key input in described verification system.
Preferably, parsing module and transaction judge module is also provided with in described verification system, described parsing module is by described card number and authorization code, parse the mandate amount of money, described transaction judge module compares the described mandate amount of money and spending amount, and the corresponding output message of Transaction Success or the message of Fail Transaction.
Preferably, described authorization code and described card number are sent to the second mobile communication equipment place at consumption terminal place by the first mobile communication equipment that holder locates, and are obtained from the described authorization code of described second mobile communication equipment and card number by consumption terminal.
Preferably, the payment system of described verification system and cash card carries out term settlement, to upgrade the balance data of cash card described in back-end data settling accounts on time point.
Preferably, when deducting fees, operation performs, but when consumption terminal place Cancels Transaction, is as the criterion corrects described cash card remaining sum with the back-end data of the payment system of cash card.
Preferably, it is N time that described cash card is set to the maximum times of authorizing consumption, N is positive integer, till stopping generating when the remaining sum of authorization code in the back-end data of the payment system of cash card is carried out reconciliation with the remaining sum that described cash card records and be updated to identical after authorizing consumption number of times to reach N time.
Present invention also offers a kind of mandate consume system, comprise consumption terminal, verification system and cash card;
Wherein, described cash card comprises authorization module, described authorization module for accepting the described mandate amount of money inputted, and according to the prestored secret key of this cash card with authorize the amount of money to be encrypted computing to generate authorization code, and complete withholing of cash card place;
Described verification system comprises checking communication module, parsing module and transaction judge module, described checking communication module is used for carrying out data interaction with described consumption terminal, to obtain card number, authorization code and spending amount, described parsing module is used for resolving the authorized amount of money according to card number and authorization code, the result for verifying whether the described mandate amount of money is less than described spending amount, and is fed back to described consumption terminal by described transaction judge module;
Described consumption terminal comprises terminal called module and settlement of transactions module, described terminal called module is for completing the data interaction between consumption terminal and verification system, described settlement of transactions module is for recording and confirming to authorize the amount of money consumed, when described the result is no, perform transactional operation, when described the result is for being, does not perform transactional operation and carrying out the prompting of Fail Transaction.
Preferably, described consumption terminal is have the POS and/or PC end of authorizing consumption function, and described cash card is the Payment Card with display screen and input keyboard, and the remaining sum of described cash card is as the criterion with the back-end data of the payment system of this cash card.
The mandate consuming method that the present invention mentions and system, operate by being authorized the generation authorization code relevant to authorizing the amount of money to complete to deduct fees in advance by cash card simultaneously, and then authorization code is sent to consumption terminal, by consumption terminal by authorization code, card number and the spending amount of cash card are sent to verification system in the lump, verification system parses according to authorization code and authorizes the amount of money and judge to authorize the amount of money whether to be greater than spending amount, as being greater than, then be proved to be successful, otherwise authentication failed, after checking, feedback validation results messages is to consumption terminal, different operations is performed according to the result by consumption terminal, transactional operation is performed during as being proved to be successful, during as authentication failed, the prompting message of feedback validation failure and do not perform transactional operation.Meanwhile, by setting cash card and the mechanism of payment system or consumption terminal reconciliation, realize cash card remaining sum and consumption terminal is actual withhold after the data consistent of verification system remaining sum.
The inventive method achieve holder authorize under consumption, namely authorize other people when without the amount of money on the card that holds in staff also can be used when card to consume.The process of this mandate consuming method mandate consumption is simple, after being authorized, then by consumption terminal and verification system process, and introduces the consistent of reconciliation mechanism cash card remaining sum and back-end data by holder then and there.This mandate consume system improves to some extent based on existing cash card and consumption terminal, and thus its operation is also very convenient, is particularly suitable for using in the consumption at little difference quotient family.
Accompanying drawing explanation
Fig. 1 is mandate consuming method flow chart of steps provided by the invention;
Fig. 2 is the data exchange process schematic diagram of mandate consuming method provided by the invention;
Fig. 3 is mandate consume system course of work schematic diagram provided by the invention.
Embodiment
For better the present invention being described, hereby with a preferred embodiment, and accompanying drawing is coordinated to elaborate to the present invention.Wherein, should be appreciated that the cash card in the present embodiment should be the fiscard of any one the carried out payment transaction mentioned in background technology.The present embodiment is specific as follows:
As shown in Figure 1 and Figure 2, the method that the mandate that the present embodiment provides is consumed comprises:
S1: cash card receives the mandate amount of money of input, generating the authorization code relevant to authorizing the amount of money, performing operation of deducting fees simultaneously to this cash card, and the amount of money of deducting fees is identical with the mandate amount of money;
Particularly, on the cash card of obligation, the amount of money is authorized in input, is provided with authorization module in cash card, after authorizing the amount of money to input this authorization module, carries out computing, authorized code by this authorization module according to the prestored secret key of this cash card with authorizing the amount of money.Wherein, the prestored secret key that cash card utilizes it to store is encrypted computing to the mandate amount of money, and generates authorization code according to the result that cryptographic calculation obtains.In reality, the mandate amount of money can be added the authorized code of above-mentioned operation result.
In the present embodiment, the prestored secret key of cash card can generate based on rivest, shamir, adelman, and the result of generation is the double secret key of a PKI and private key composition, stores private key, remain with the PKI of each cash card in verification system in cash card.Above-mentioned rivest, shamir, adelman can be specifically RSA Algorithm etc.
In the implementation that another is replaced, the key of cash card can generate based on symmetric encipherment algorithm, and the result of generation is a key, and this key is the secret key of ciphering process, is again the secret key of decrypting process.Store the key of this cash card in cash card, in verification system, remain with the secret key of each cash card.Above-mentioned symmetric encipherment algorithm can be 3-DES, AES, SM2 algorithm etc.
Cash card in the present embodiment has stored value card EP, prestores the debt of the some numbers for authorizing consumption in stored value card, and after generating authorization code, the mandate amount of money is deducted by follow-up deducting fees when operating from this stored value card.
S2: consumption terminal obtains card number and authorization code, and card number, authorization code and spending amount are sent to verification system;
Particularly, card number and authorization code, spending amount, by after the input cash card card number of obligation and authorization code, spending amount, are sent to verification system by consumption terminal.Wherein, authorization code and card number are that the first mobile communication equipment located by holder is sent to the second mobile communication equipment place at consumption terminal place, and are obtained from the authorization code of the second mobile communication equipment and card number by consumption terminal.Consumption terminal in the present embodiment comprises POS or PC end, and POS and PC end are provided with terminal called module, and communication module is for completing POS and the data interaction between PC end and verification system.
In practice, can be specifically manually inputted by the card number of cash card and spending amount input consumption terminal, may also be consumption terminal scanning and comprise the coded message automatic acquisitions such as the Quick Response Code of this card number and/or spending amount.
S3: verification system parses the mandate amount of money according to authorization code, and the spending amount that verification system in the mandate amount of money parsed and step S2 gets is compared, if spending amount is less than or equal to the mandate amount of money, then be proved to be successful, export the message of Transaction Success to described consumption terminal, if spending amount is greater than the mandate amount of money, then authentication failed, export the message of Fail Transaction to described consumption terminal;
Particularly, be provided with parsing module and transaction judge module in verification system, parsing module, according to card number and authorization code, parses the mandate amount of money at cash card place.Wherein, verification system, after receiving the authorization code of input, can utilize the decruption key of oneself to resolve identifying code, and then the authorized amount of money.Here the secret key of deciphering can be the PKI generated in rivest, shamir, adelman in practice, also can be the unique key generated in symmetric encipherment algorithm.The secret key Main Basis cash card of which algorithm of concrete employing and the initial protocol conventions of verification system.
Parse after authorizing the amount of money, by concluding the business, judge module compares with actual spending amount authorizing the amount of money, and the above-mentioned message of Transaction Success of corresponding output or the message of Fail Transaction.
S4: as consumption terminal receives the message of Transaction Success, then complete transaction, as consumption terminal receives the message of Fail Transaction, does not then carry out concluding the business and carries out the prompting of Fail Transaction.
In the present embodiment, owing to there is no direct communication relation between verification system and cash card, for avoid appearing at holder authorize after (namely holder's cash card on hand completes for the deducting fees operation in stored value card) and consumer cancels suddenly this consumption (consumption terminal refuses acquisition deducted amount after being proved to be successful), or authentication failed but cash card place withhold, the verification system caused and the inconsistent problem of the balance data of cash card, therefore, also should comprise in above-mentioned mandate consuming method: when deducting fees, operation performs, but when consumption terminal place Cancels Transaction, be as the criterion with the back-end data of the payment system of cash card and described cash card remaining sum corrected, this just needs one can be called the operation of " reconciliation ", this action need arranges the mechanism of authorizing consumption history record to preserve on cash card, namely cash card is after carrying out mandate consumption, cash card this locality can be kept at by authorizing the record of consumption, in order to comparing in the future and between the back-end data of payment system, confirm the amount of money part of many buttons.
Due to limited storage space own on cash card, its Authorized operation number of times that can record and perform is subject to the restriction of storage space, therefore also needing in the present embodiment cash card to be set to the maximum times of authorizing consumption is N time, N is positive integer, till stopping generating when the remaining sum of authorization code in the back-end data of the payment system of cash card is carried out reconciliation with the remaining sum that described cash card records and be updated to identical after authorizing consumption number of times to reach N time.Particularly, when stopping generating authorization code, cash card and consumption terminal are carried out reconciliation, according to the real consumption amount of money stored in verification system, to verify in cash card reality not by the amount of money consumed, and to deduction but the amount of money that real consumption terminal is not consumed is returned to the operation of cash card in cash card, realize the remaining sum of cash card and the consistent of verification system place remaining sum.
Preferably, in the present embodiment, the payment system of verification system and cash card carries out term settlement settling accounts on time point, as payment system every day one settles accounts, to upgrade the balance data of cash card in back-end data, make its data consistent with verification system, when cash card and payment system reconciliation, also its balance data of recoverable.
As shown in Figure 3, the present embodiment additionally provides a kind of mandate consume system, comprises cash card 1, consumption terminal 2 and verification system 3;
Wherein, cash card 1 comprises authorization module 11, authorization module 11 for accepting the mandate amount of money inputted, and according to the prestored secret key of this cash card with authorize the amount of money to carry out computing to generate authorization code, and complete withholing of cash card place;
Verification system 3 comprises checking communication module 31, parsing module 32 and transaction judge module 33, checking communication module 31 is for carrying out data interaction with consumption terminal 2, to obtain card number, authorization code and spending amount, parsing module 32 is for resolving the authorized amount of money according to card number and authorization code, transaction judge module 33 authorizes the amount of money whether to be less than described spending amount for verifying, and the result is fed back to consumption terminal 2;
Consumption terminal 2 comprises terminal called module 21 and settlement of transactions module 22, wherein, terminal called module 21 and settlement of transactions module 22 are all connected with existing host module 23, and existing host module 23 comprises existing POS or PC carries out necessary processing module required when cash card is concluded the business.Terminal called module 21 is for completing the data interaction between consumption terminal 2 and verification system 3, settlement of transactions module 22 is for recording and confirming to authorize the amount of money consumed, when the result is no, perform transactional operation, when described the result is for being, does not perform transactional operation and carrying out the prompting of Fail Transaction.
In this mandate consume system, consumption terminal 2 is can for having the POS and/or PC end of authorizing consumption function, and cash card 1 is for having the Payment Card of display screen and input keyboard, and the remaining sum of cash card 1 is as the criterion with the back-end data of the payment system of this cash card.
The above; be only the specific embodiment of the present invention, but protection scope of the present invention is not limited thereto, any those skilled in the art is in the technical scope that the present invention discloses; the distortion do the present invention or replacement, all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with the protection domain of described claim.
Claims (12)
1. authorize a method for consumption, it is characterized in that, comprising:
S1: cash card receives the mandate amount of money of input, generates the authorization code relevant to the described mandate amount of money, withholds to the local finance data of cash according to the described mandate amount of money simultaneously;
S2: consumption terminal obtains card number and authorization code, receives the spending amount of input simultaneously, and card number, authorization code and spending amount are sent to verification system;
S3: described verification system parses the mandate amount of money according to described authorization code, and the mandate amount of money and spending amount are compared, if spending amount is less than or equal to the mandate amount of money, then be proved to be successful, export the message of Transaction Success to described consumption terminal, if spending amount is greater than the mandate amount of money, then authentication failed, export the message of Fail Transaction to described consumption terminal;
S4: as described in consumption terminal receive the message of Transaction Success, then complete transaction, as described in consumption terminal receive the message of Fail Transaction, then do not conclude the business.
2. method of authorizing consumption according to claim 1, it is characterized in that, described cash card has stored value card EP, the local finance data of described cash card is the balance data in described stored value card, and withholing in described step S1 is specially the amount of money that deduction is identical with described mandate dollar amount from the remaining sum described stored value card.
3. method of authorizing consumption according to claim 1, it is characterized in that, described consumption terminal comprises POS or PC end, and described POS and PC end are provided with terminal called module, and described communication module is for completing POS and the data interaction between PC end and verification system.
4. method of authorizing consumption according to claim 1, it is characterized in that, authorization module is provided with in described cash card, after the described mandate amount of money inputs described authorization module, authorization module is encrypted computing according to the prestored secret key of cash card with authorizing the amount of money, and obtains described authorization code according to the result of cryptographic calculation.
5. method of authorizing consumption according to claim 4, is characterized in that, described prestored secret key is the private key generated based on rivest, shamir, adelman, and the PKI generated based on rivest, shamir, adelman is then stored in described verification system; Or described prestored secret key is the key generated based on symmetric encipherment algorithm, in described verification system, also store the key that this generates based on symmetric encipherment algorithm;
Wherein, authorization code is generated according to the identifying code deciphering of the PKI stored or double secret key input in described verification system.
6. the method for the mandate consumption according to claim 1 or 4, it is characterized in that, parsing module and transaction judge module is also provided with in described verification system, described parsing module is by described card number and authorization code, parse the mandate amount of money, described transaction judge module compares the described mandate amount of money and spending amount, and the corresponding output message of Transaction Success or the message of Fail Transaction.
7. method of authorizing consumption according to claim 1, it is characterized in that, described authorization code and described card number are sent to the second mobile communication equipment place at consumption terminal place by the first mobile communication equipment that holder locates, and are obtained from the described authorization code of described second mobile communication equipment and card number by consumption terminal.
8. method of authorizing consumption according to claim 1, is characterized in that, the payment system of described verification system and cash card carries out term settlement, to upgrade the balance data of cash card described in back-end data settling accounts on time point.
9. method of authorizing consumption according to claim 1, is characterized in that, when deducting fees, operation performs, but when consumption terminal place Cancels Transaction, is as the criterion corrects described cash card remaining sum with the back-end data of the payment system of cash card.
10. method of authorizing consumption according to claim 1, it is characterized in that, it is N time that described cash card is set to the maximum times of authorizing consumption, N is positive integer, till stopping generating when the remaining sum of authorization code in the back-end data of the payment system of cash card is carried out reconciliation with the remaining sum that described cash card records and be updated to identical after authorizing consumption number of times to reach N time.
Authorize consume system, it is characterized in that, comprise consumption terminal, verification system and cash card for 11. 1 kinds;
Wherein, described cash card comprises authorization module, described authorization module for accepting the described mandate amount of money inputted, and according to the prestored secret key of this cash card with authorize the amount of money to be encrypted computing to generate authorization code, and complete withholing of cash card place;
Described verification system comprises checking communication module, parsing module and transaction judge module, described checking communication module is used for carrying out data interaction with described consumption terminal, to obtain card number, authorization code and spending amount, described parsing module is used for resolving the authorized amount of money according to card number and authorization code, the result for verifying whether the described mandate amount of money is less than described spending amount, and is fed back to described consumption terminal by described transaction judge module;
Described consumption terminal comprises terminal called module and settlement of transactions module, described terminal called module is for completing the data interaction between consumption terminal and verification system, described settlement of transactions module is for recording and confirming to authorize the amount of money consumed, when described the result is no, perform transactional operation, when described the result is for being, does not perform transactional operation and carrying out the prompting of Fail Transaction.
12. mandate consume systems according to claim 10, it is characterized in that, described consumption terminal is have the POS and/or PC end of authorizing consumption function, described cash card is the Payment Card with display screen and input keyboard, and the remaining sum of described cash card is as the criterion with the back-end data of the payment system of this cash card.
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| CN108920278A (en) * | 2018-07-02 | 2018-11-30 | 中国建设银行股份有限公司 | Resource allocation methods and device |
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