CN105205665A - Method and apparatus for providing credit for load states - Google Patents
Method and apparatus for providing credit for load states Download PDFInfo
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- CN105205665A CN105205665A CN201510544091.XA CN201510544091A CN105205665A CN 105205665 A CN105205665 A CN 105205665A CN 201510544091 A CN201510544091 A CN 201510544091A CN 105205665 A CN105205665 A CN 105205665A
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- service manager
- trusted service
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- transaction data
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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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
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- Engineering & Computer Science (AREA)
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Abstract
The invention relates to a method and apparatus for providing credit for load states. The method includes the following steps that: at a security element end of a mobile communication terminal, a preset Agent application is utilized to obtain transaction data associated with credit for load from corresponding Java applet; the transaction data are signed and are transmitted to a trusted service manager; at the trusted service manager end, signature is verified; and when the signature is verified successfully, the transaction data are sent to a service provider for determining the credit for load states.
Description
Technical field
Embodiments of the invention relate to system, the apparatus and method that use mobile communication terminal carries out paying, and more specifically, relate to the method and apparatus providing circle to deposit state.
Background technology
Now, mobile communication terminal can be concluded the business by the one or more payment application be arranged in the safety element (SE) of mobile communication terminal as payment devices.Paying application can be JavaCard applet (JavaApplet).SE is used to the Storage and Processing of secure data or application program, and can based on JavaCard and GlobalPlatform(the overall situation platform) specification realize pay application.
When the account balance paying application (JavaApplet) is not enough, user can initiate space transference request to ISP (SP), to the account charging of this JavaApplet.SP server is saved as the background account (such as, bank account) of merit message modification user according to the circle that the JavaApplet from safety element returns thus to realize with JavaApplet account synchronous.But, according to circle deposit method of the prior art, SP server may cannot receive because of the mistake in transmitting procedure the circle returned from SE and deposit status message, or receive the insincere circle be even tampered from safety element and deposit status message, causing cannot accurate synchronization background account and JavaApplet account.
Summary of the invention
Therefore, providing circle reliably to deposit status message will be desired in the art.
In a first aspect, embodiments of the invention disclose a kind of method providing circle to deposit state, comprise: at the safety element end of mobile communication terminal, utilize preset Agent application to obtain from corresponding JavaApplet and deposit relevant transaction data to circle, this transaction data is signed and is sent to trusted service manager, at this trusted service manager end, verify described signature, and when the authentication succeeds this transaction data is sent to ISP and is used for determining that state deposited by circle.
Alternatively, at this trusted service manager end, instruction is sent to generate the public private key pair about safety element to described Agent application, wherein, the private key of safety element is applied for transaction data of signing by this Agent, and the PKI of safety element is provided to this trusted service manager for verifying the signature that Agent applies.
Alternatively, at this trusted service manager end, utilize the PKI of safety element described in the private key signature about trusted service manager, wherein, the PKI of the described safety element of being signed by described trusted service manager is stored in the memory block of described Agent application thus avoids by the PKI of described trusted service manager safety element described in local management.
Alternatively, at this trusted service manager end, deposit in response to the circle comprising JavaAppletAID from ISP and confirm request, random number and described AID is sent to described Agent application, at this safety element end, utilize described Agent to apply the location JavaApplet corresponding with described AID, and this random number is signed to described transaction data as parameter.
Alternatively, described Agent application deposits relevant transaction data from corresponding JavaApplet acquisition to circle by calling SharableInterface interface.
In a first aspect, embodiments of the invention disclose a kind of device providing circle to deposit state, comprise: the Agent application arranged in the safety element end of mobile communication terminal, depositing relevant transaction data for obtaining from corresponding JavaApplet to circle, this transaction data being signed and is sent to trusted service manager, the module arranged in this trusted service manager end, this transaction data for verifying described signature, and is sent to ISP and is used for determining that state deposited by circle by this module when the authentication succeeds.
Alternatively, also be configured in the described module of this trusted service manager end: send instruction to generate the public private key pair about safety element to described Agent application, wherein, the private key of safety element is applied for transaction data of signing by this Agent, and the PKI of safety element is provided to this trusted service manager for verifying the signature that Agent applies.
Alternatively, also be configured in the described module of this trusted service manager end: the PKI utilizing safety element described in the private key signature about trusted service manager, wherein, the PKI of the described safety element of being signed by described trusted service manager is stored in the memory block of described Agent application thus avoids by the PKI of described trusted service manager safety element described in local management.
Alternatively, also be configured in the described module of this trusted service manager end: deposit in response to the circle comprising JavaAppletAID from ISP and confirm request, random number and described AID is sent to described Agent application, the Agent application arranged in this safety element end is configured to, utilize described Agent to apply the location JavaApplet corresponding with described AID, and this random number is signed to described transaction data as parameter.
Alternatively, described Agent application is configured to deposit relevant transaction data from corresponding JavaApplet acquisition to circle by calling SharableInterface interface.
Also will understand further feature and the advantage of embodiments of the invention when reading following description by reference to the accompanying drawings, wherein accompanying drawing shows the principle of embodiments of the invention by means of example.
Accompanying drawing explanation
By means of example, from following the detailed description and the accompanying drawings, the above-mentioned and other side of each embodiment of the present invention, feature and benefit will become more obvious.
Fig. 1 is the schematic diagram of the mobile communication terminal 10 as payment devices illustrated according to the embodiment of the present invention.
Fig. 2 illustrates to deposit the schematic diagram of state according to the circle that provides of the embodiment of the present invention.
Fig. 3 illustrates to deposit the method step schematic diagram of state according to the circle that provides of the embodiment of the present invention.
Embodiment
Hereinafter, with reference to embodiment, principle of the present invention and purport are described.Should be understood that, the embodiment provided is only used to those skilled in the art and understands the present invention better and put into practice the present invention further, instead of limits the scope of the invention.Such as, as an embodiment a part illustrated in or the feature that describes can be combined with another embodiment and produce another one embodiment.For clarity, all features of actual embodiment are not described in this manual.Obviously, be understandable that in the actual research and development of any this embodiment, for realizing the specific objective of developer, such as meet the constraint that constraint that system is correlated with is relevant with business, embodiment is by different.
Fig. 1 illustrates the schematic diagram of the mobile communication terminal 10 as payment devices according to the embodiment of the present invention.Mobile communication terminal 10, such as mobile phone, panel computer, can comprise the processor 101 of the instruction for the function and operation performing the equipment of realization, for store instruction and data storer 102, for input data or export data I/O element 103, for display translation data display 104, transmit the communication device 105 of (such as, via antenna) for the data realized between terminal 10 and wireless network.
Terminal 10 in Fig. 1 is also provided with safety element 106, and it can comprise safe storage and near-field communication (or other forms of short-haul connections) transfer element.Payment application for carrying out payment transaction can be installed and be resided in safety element 106.Other element separation of the private data of user and terminal are opened to provide security to user by safety element 106.Safety element 106 can be embedded in mobile communication terminal 10 logical circuit, can be installed in subscriber identity module (SIM), or can be incorporated in movable safety digital memory card (SD card), etc.
In certain embodiments, what safety element 106 can comprise in treatment element (such as performing CPU or the microprocessor of stored instruction) and secure data storage element is one or more.Secure data storage element can provide the applet of the ability of carrying out mobile payment (Applet) to provide storage to user to the instruction performed by treatment element and/or to being performed.
With reference now to Fig. 2, Fig. 2, be illustrate to deposit the schematic diagram of state according to the circle that provides of the embodiment of the present invention.As previously mentioned, when the account balance paying application (JavaApplet) is not enough, user can initiate space transference request to ISP (SP), to the account charging of this JavaApplet.SP server is saved as the background account (such as, bank account) of merit message modification user according to the circle that the JavaApplet from safety element returns thus to realize with JavaApplet account synchronous.In fig. 2, embodiments of the invention arrange agent application (Agent) in safety element, for on one's own initiative or passively depositing state to SP server report circle, or providing believable circle to deposit state, making SP server can correctly synchronous background account and JavaApplet account.
In fig. 2, send circle by SP server to trusted service manager (TSM) server and deposit confirmation request (step 201).Here, SP server is the supplier that service deposited by circle.TSM server is used to install, supply and personalized secure element, and TSM service can also comprise the life-span management etc. of application program in the providing of application program, the personalization of application program, safety element.TSM server confirms in response to the circle request of depositing, and sends acquisition circle in step 202. deposit status command to the Agent application be arranged in safety element.This acquisition circle is deposited status command and can be sent out with Application Protocol Data Unit (APDU), and APDU is in applet and is performing the packet exchanged between the host application of this applet.According to this instruction, Agent obtains transaction data from Applet in step 203.This transaction data be such as the account of Applet nearest by the amount of money of successfully supplementing with money.Agent can call ShareableInterface interface and obtain transaction data from Applet.According to " JavaCard3PlatformRuntimeEnvironmentSpecification, ClassicEdition ", it is mutual that ShareableInterface is implemented for the application based on JavaCard.In step 204, by achieving the Applet of ShareableInterface, the recent transaction data relevant to the account of this Applet is returned to Agent.Agent in step 205, sign to this transaction data by the private key of use safety element, and return the transaction data through signature to TSM server in step 206.In step 207, the PKI of TSM server use safety element to transaction data sign test to ensure that from the transaction data of Agent be not the data be forged.When sign test success, transaction data is returned to SP server by TSM server.SP server thus can according to this transaction data, synchronous or renewal background account.
In the embodiment of above-mentioned Fig. 2, call ShareableInterface by using Agent and obtain transaction data from corresponding Applet and use the private key about safety element to carry out signature and can guarantee that transaction data is not forged.In addition, in an alternate embodiment of the invention, obtain transaction data from Applet on one's own initiative by the Agent in safety element, instead of deposit confirmation request from Applet acquisition transaction data in response to the circle from SP server.
Fig. 3 illustrates that the method step schematic diagram of state deposited by the circle that provides according to other embodiments of the present invention.Further describe according to the more aspect providing circle to deposit the method for state of the present invention according to the embodiment of Fig. 3.As shown in Figure 3, in step 301, at the safety element end of mobile communication terminal, utilize preset Agent application to obtain from corresponding JavaApplet and deposit relevant transaction data to circle, this transaction data is signed and is sent to trusted service manager, and in step 302, at this trusted service manager end, verify described signature, and when the authentication succeeds this transaction data is sent to ISP and is used for determining that state deposited by circle.Such as, transaction data can be the amount of money of supplementing with money the last time, and ISP by this amount of money compared with the last amount of money deducted from background account, if the amount of money is identical, can judge that circle deposits state as success.Be appreciated that can also use the transaction data of other type or the above-mentioned amount of money and other parameter transaction are combined and determine that state deposited by circle.As mentioned above, preset Agent application can obtain from corresponding JavaApplet and deposit relevant transaction data to circle, and therefore Agent application is configured to all JavaApplet in unified process safety element.
In an alternate embodiment of the invention, at this trusted service manager end, instruction is sent to generate the public private key pair about safety element to described Agent application, wherein, the private key of safety element is applied for transaction data of signing by this Agent, and the PKI of safety element is provided to this trusted service manager for verifying the signature that Agent applies.
In an alternate embodiment of the invention, at this trusted service manager end, utilize the PKI of safety element described in the private key signature about trusted service manager, wherein, the PKI of the described safety element of being signed by described trusted service manager is stored in the memory block of described Agent application thus avoids by the PKI of described trusted service manager safety element described in local management.Thus, trusted service manager easily and discretely can manage the PKI of each safety element.
In an alternate embodiment of the invention, at this trusted service manager end, deposit in response to the circle comprising JavaAppletAID from ISP and confirm request, random number and described AID is sent to described Agent application, at this safety element end, utilize described Agent to apply the location JavaApplet corresponding with described AID, and this random number is signed to described transaction data as parameter.
In an alternate embodiment of the invention, described Agent application deposits relevant transaction data from corresponding JavaApplet acquisition to circle by calling SharableInterface interface.
Following discloses deposit the device of state according to the circle that provides of the embodiment of the present invention accordingly.Circle is provided to deposit the device of state, it is characterized in that, comprise: the Agent application arranged in the safety element end of mobile communication terminal, depositing relevant transaction data for obtaining from corresponding JavaApplet to circle, this transaction data being signed and is sent to trusted service manager, the module arranged in this trusted service manager end, this transaction data for verifying described signature, and is sent to ISP and is used for determining that state deposited by circle by this module when the authentication succeeds.
Alternatively, also be configured in the described module of this trusted service manager end: send instruction to generate the public private key pair about safety element to described Agent application, wherein, the private key of safety element is applied for transaction data of signing by this Agent, and the PKI of safety element is provided to this trusted service manager for verifying the signature that Agent applies.
Alternatively, also be configured in the described module of this trusted service manager end: the PKI utilizing safety element described in the private key signature about trusted service manager, wherein, the PKI of the described safety element of being signed by described trusted service manager is stored in the memory block of described Agent application thus avoids by the PKI of described trusted service manager safety element described in local management.
Alternatively, also be configured in the described module of this trusted service manager end: deposit in response to the circle comprising JavaAppletAID from ISP and confirm request, random number and described AID is sent to described Agent application, the Agent application arranged in this safety element end is configured to, utilize described Agent to apply the location JavaApplet corresponding with described AID, and this random number is signed to described transaction data as parameter.
Alternatively, described Agent application is configured to deposit relevant transaction data from corresponding JavaApplet acquisition to circle by calling SharableInterface interface.
The Agent related in the embodiment of the present invention and other module may be implemented as the functional module residing in and be embedded into or be otherwise integrated in safety element.The Java card application program that this functional module performs under can being included in the control of Java card virtual machine and/or java class, itself and the payment be arranged in safety element or mobile communication equipment are applied to cooperate and are realized enclosing the report of the state of depositing.
The nonrestrictive example of state is deposited below by describing another concrete circle that provides.In this example, first by TSM server preset AgentJavaApplet in SE, obtain the circle after supplementing operation with money for each SP of unified process and deposit information.One group of RSA public private key pair is set in AgentApplet, and when payment application completes after a circle deposits transaction, corresponding SP server is initiated to obtain circle to TSM server and is deposited information request.After this, information deposited by the circle that TSM is obtained through the private key signature of SE from SE by APDU instruction, and TSM returns to SP server after utilizing SE PKI sign test.Whether SP, by by this information contrast Transaction Information, judges that circle is deposited and runs succeeded in SE.
In this example, TSM server can set up GP escape way by SE, individualizes the stored Agent of responsible acquisition circle, to generate SE public private key pair.The SE public private key pair generated is sent to TSM server, and TSM server uses the private key of TSM to be signed subsequently, is stored into the common store district of Agent.Then, when TSM server receive that SP server sends get circle deposit information request time, TSM server generates random number, and sends to SE with SP application AID.AID pays application for locating, and the random number of generation can be used as the parameter of SE signature.Then, after Agent is applied in and receives the stored APDU instruction of acquisition circle, the ShareableInterface calling payment application corresponding to AID obtains circle and deposits information.Here, this payment application needs to realize this ShareableInterface in its applied logic, that is, when enclosing and depositing transaction, circle is deposited relevant information stored in the appointed area accessed by this ShareableInterface.Agent, after information deposited by acquisition circle, returns to TSM server with after SE private key signature.Then, TSM uses the public key verifications signature of SE, guarantees data genuine.The circle information of depositing is sent to SP server by TSM after sign test success, is used for synchronous background account for SP server.
This embodiment of the present invention can make the random time of SP server after circle is deposited obtain believable circle and deposit information, thus ensures control loop to deposit the reliability of transaction.
Although the various aspects of exemplary embodiment of the present invention can be shown and described as block diagram, process flow diagram, but be well understood that, these modules described herein, device, system or method can be implemented in as the hardware of limiting examples, software, firmware, special circuit or logical circuit, common hardware or controller or other calculation element or its some combination.
Although this instructions comprises many concrete implementation details, these details should not be interpreted as maybe may being required to any scope of invention the restriction of scope protected, but should be regarded as can specific to the description of the feature of the specific embodiment of specific invention.Some feature described in this manual in the context of respective embodiment also can be combined in single embodiment and implement.On the contrary, the various feature described in the context of single embodiment also can be implemented respectively in many embodiment: or in any suitable sub-portfolio.In addition; although feature can be described to above with particular combination and even as initial advocate play a role; but can be removed from this combination in some cases from one or more features of combination required for protection, and combination required for protection can for the variation of sub-portfolio or sub-portfolio.
Those skilled in the relevant art, when reading aforementioned specification by reference to the accompanying drawings, can become obvious to the various amendment of foregoing example embodiment of the present invention and distortion for those skilled in the relevant art.Any and all variation will fall in the scope of nonrestrictive exemplary embodiment of the present invention.In addition, which making those skilled in the art expect in these embodiments of the present invention is related to the benefit with the instruction that aforementioned specification and relevant drawings present by the other embodiments of the invention described in literary composition.
Therefore, should be understood that, embodiments of the invention are not limited to disclosed specific embodiment, and variation and other embodiment are intended to contain within the scope of the appended claims.
Claims (10)
1.
there is provided circle to deposit a method for state, it is characterized in that, comprising:
at the safety element end of mobile communication terminal, utilize preset Agent application to obtain from corresponding JavaApplet and deposit relevant transaction data to circle, this transaction data is signed and is sent to trusted service manager,
at this trusted service manager end, verify described signature, and when the authentication succeeds this transaction data is sent to ISP and is used for determining that state deposited by circle.
2.
the method of claim 1, is characterized in that,
at this trusted service manager end, instruction is sent to generate the public private key pair about safety element to described Agent application, wherein, the private key of safety element is applied for transaction data of signing by this Agent, and the PKI of safety element is provided to this trusted service manager for verifying the signature that Agent applies.
3.
method as claimed in claim 2, is characterized in that,
at this trusted service manager end, utilize the PKI of safety element described in the private key signature about trusted service manager, wherein,
the PKI of the described safety element of being signed by described trusted service manager is stored in the memory block of described Agent application thus avoids by the PKI of described trusted service manager safety element described in local management.
4.
the method of claim 1, is characterized in that,
at this trusted service manager end, deposit in response to the circle comprising JavaAppletAID from ISP and confirm request, send random number and described AID to described Agent application,
at this safety element end, utilize described Agent to apply the location JavaApplet corresponding with described AID, and this random number is signed to described transaction data as parameter.
5.
the method of claim 1, is characterized in that,
described Agent application deposits relevant transaction data from corresponding JavaApplet acquisition to circle by calling SharableInterface interface.
6.
there is provided circle to deposit a device for state, it is characterized in that, comprising:
the Agent application arranged in the safety element end of mobile communication terminal, depositing relevant transaction data for obtaining from corresponding JavaApplet to circle, signing and be sent to trusted service manager to this transaction data,
the module arranged in this trusted service manager end, this transaction data for verifying described signature, and is sent to ISP and is used for determining that state deposited by circle by this module when the authentication succeeds.
7.
device as claimed in claim 6, is characterized in that,
also be configured in the described module of this trusted service manager end: send instruction to generate the public private key pair about safety element to described Agent application, wherein, the private key of safety element is applied for transaction data of signing by this Agent, and the PKI of safety element is provided to this trusted service manager for verifying the signature that Agent applies.
8.
device as claimed in claim 7, is characterized in that,
also be configured in the described module of this trusted service manager end: the PKI utilizing safety element described in the private key signature about trusted service manager, wherein,
the PKI of the described safety element of being signed by described trusted service manager is stored in the memory block of described Agent application thus avoids by the PKI of described trusted service manager safety element described in local management.
9.
device as claimed in claim 6, is characterized in that,
also be configured in the described module of this trusted service manager end: deposit in response to the circle comprising JavaAppletAID from ISP and confirm request, send random number and described AID to described Agent application,
the Agent application arranged in this safety element end is configured to, and utilizes described Agent to apply the location JavaApplet corresponding with described AID, and this random number is signed to described transaction data as parameter.
10.
device as claimed in claim 6, is characterized in that,
described Agent application is configured to deposit relevant transaction data from corresponding JavaApplet acquisition to circle by calling SharableInterface interface.
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| CN201510544091.XA CN105205665A (en) | 2015-08-31 | 2015-08-31 | Method and apparatus for providing credit for load states |
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| CN201510544091.XA CN105205665A (en) | 2015-08-31 | 2015-08-31 | Method and apparatus for providing credit for load states |
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Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101211451A (en) * | 2007-12-21 | 2008-07-02 | 北京飞天诚信科技有限公司 | Redepositing system and method based on digital sign |
| CN102057386A (en) * | 2008-06-06 | 2011-05-11 | 电子湾有限公司 | Trusted service manager (TSM) architectures and methods |
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- 2015-08-31 CN CN201510544091.XA patent/CN105205665A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101211451A (en) * | 2007-12-21 | 2008-07-02 | 北京飞天诚信科技有限公司 | Redepositing system and method based on digital sign |
| CN102057386A (en) * | 2008-06-06 | 2011-05-11 | 电子湾有限公司 | Trusted service manager (TSM) architectures and methods |
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Application publication date: 20151230 |