CN105373922A - Payment method, payment system, client payment method, and client - Google Patents

Payment method, payment system, client payment method, and client Download PDF

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Publication number
CN105373922A
CN105373922A CN201510698203.7A CN201510698203A CN105373922A CN 105373922 A CN105373922 A CN 105373922A CN 201510698203 A CN201510698203 A CN 201510698203A CN 105373922 A CN105373922 A CN 105373922A
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China
Prior art keywords
payment
client
information
module
account information
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CN201510698203.7A
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Chinese (zh)
Inventor
王国环
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China United Network Communications Group Co Ltd
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China United Network Communications Group Co Ltd
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Application filed by China United Network Communications Group Co Ltd filed Critical China United Network Communications Group Co Ltd
Priority to CN201510698203.7A priority Critical patent/CN105373922A/en
Publication of CN105373922A publication Critical patent/CN105373922A/en
Pending legal-status Critical Current

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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
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction

Abstract

The invention provides a payment method, a payment system, a client payment method, and a client. The payment method comprises steps that a payment request end sends payment request information to the client; the client confirms the payment request information, packages the payment request information and the payment account information, encrypted and saved in the client, of a user in order to generate payment acknowledgement information, and sends the payment acknowledgement information to a payment end; and the payment end acquires the payment account information of the user from the payment acknowledgement information, decrypts the payment account information of the user, and pays according to the decrypted payment account information of the user. The payment method encrypts and saves the payment account information of the user in the client and achieves payment by means of the communication between the client and the payment end so that the user is not required to show an entity payment card of his/her own in a payment process or expose the payment account information. Thus, the security of the payment account information of the user is guaranteed in the payment process.

Description

A kind of method of payment, payment system, client method of payment and client
Technical field
The present invention relates to communication technical field, particularly, relate to a kind of method of payment, payment system, client method of payment and client.
Background technology
Our payment in process of consumption at present mainly adopts to swipe the card and carries out paying or online payment.
Wherein, swipe the card and pay mainly through machine for punching the card, machine for punching the card is called for short POS terminal, and first information is sent to the platform of Unionpay by terminal by the mode of telephone line dialing, the information of withholing can be sent to issuing bank after Unionpay's land identification relevant information, after issuing bank confirms, processed information, to Unionpay's platform, after Unionpay confirms, can be sent to preposition POS terminal by the information that postbacks again again, POS terminal receives the information after confirmation, then prints document.Mobile POS Terminal, principle is the same, and it is by data-signal transmission and reception that its information sends.
Online payment has two kinds of approach: one is such as, by Third-party payment platform, Alipay, Net silver etc.; Another kind consults acquisition payment interface.Front a kind of mode is for Alipay, and trade company to Alipay submit applications, can apply for that successfully, Alipay can provide an integration Alipay to the interface of merchant website and provide call method and the example of this interface.This payment way formality is simple, and Alipay is that the turnover completed by Alipay by merchant website is collected by a certain percentage to the expense that trade company collects.Rear a kind of mode needs and the bank that opens online payment function subscribes to the agreement, handle corresponding entries, bank can be supplied to trade company of trade company numbering afterwards, and it is just passable that trade company submits to contents such as trade company's numbering and payment informations the disposal system that bank provides in its website.
No matter be swipe the card or online payment in scene, all externally can expose account and the consumer record of user oneself, even online payment also can bring the risk of stolen card, although the account that the Third-party payment instruments such as Alipay externally also can not stick one's chin out and consumer record, but these data of user are all stored on Alipay server, and private data does not still ensure in essence.
Summary of the invention
The present invention is directed to the above-mentioned technical matters existed in prior art, a kind of method of payment, payment system, client method of payment and client are provided.This method of payment is by being stored in client by the payment account information encryption of client, can make client in payment process, neither need to show the entity pays card of oneself, do not need the payment account information externally sticked one's chin out, thus ensure that the security of client's payment account information in payment process yet.
The invention provides a kind of method of payment, comprising:
Pay request end and send payment request information to client;
Described client confirms described payment request information, then described payment request information and cryptographic storage are encapsulated in the payment account information of the client of described client, generate payment confirming information, and described payment confirming information is sent to payment terminals;
Described payment terminals obtains the payment account information of described client from described payment confirming information, is decrypted the payment account information of described client, and pays according to the payment account information of the described client after deciphering.
Preferably, described payment request end comprises to client transmission payment request information:
Described payment request information is sent to service end by described payment request end; Described payment request information encryption is sent to described client by described service end; Described client is decrypted described payment request information;
Described payment confirming information sends to payment terminals to comprise by described client:
Described payment confirming information encryption is sent to described service end by described client, and described payment confirming information is sent to described payment terminals by described service end.
Preferably, also comprise:
When described client is lost, client sends data destroying instruction by described service end to described client, will be stored in the payment account information destroying of the described client of described client.
Preferably, also comprise:
Essential information and the payment account information of client is preserved at described client registers; The essential information of described client is sent to described service end by described client; The essential information of described client comprises the unique identification information of described client, the unique identification information of described client and data destroying password.
Preferably, also comprise described payment terminals after payment completes, to described payment request end, described service end and described client send result announcement information.
The present invention also provides a kind of payment system, comprises and pays request end, client and payment terminals; Wherein,
Described payment request end comprises payment request module, for sending payment request information to described client;
Described client comprises confirmation module, memory module, the first encrypting module and first communication module; Described confirmation module is used for confirming the described payment request information received; Described memory module is for storing the payment account information of client; Encryption during described first encrypting module is used for storing the payment account information of described client, and to encapsulate the payment account information of described payment request information and described client, generates payment confirming information; Described payment confirming information for receiving described payment request information, and is sent to described payment terminals by described first communication module;
Described payment terminals comprises payment module, for obtaining the payment account information of described client from described payment confirming information, is decrypted the payment account information of described client, and pays according to the payment account information of the described client after deciphering.
Preferably, also comprise service end, described service end comprises second communication module and the second encrypting module, the payment request information that described second communication module sends for receiving described payment request module, and described payment request information is sent to described first communication module; Described second encrypting module is used for sending to the described payment request information of described first communication module to be encrypted;
Described client also comprises deciphering module, for being decrypted the described payment request information of the encryption received;
Described first communication module is used for described payment confirming information first to send to described second communication module; Described second communication module is also for sending to described payment module by described payment confirming information.
Preferably, described client also comprises data destroying module; Described service end also comprises processing module;
Described processing module is used for when client is lost, and client sends data destroying instruction by this module to described data destroying module; Described data destroying module is used for the payment account information destroying of described client will be stored in described memory module according to described data destroying instruction.
Preferably, described client also comprises Registering modules, for registering the essential information of client and payment account information;
Described memory module is also for storing the essential information of described client, and the essential information of described client comprises the unique identification information of described client, the unique identification information of described client and data destroying password;
Described service end also comprises administration module; Described first communication module is also for being sent to described administration module by the essential information of described client; Described administration module is used for managing the essential information of described client.
Preferably, described payment terminals also comprises notification module, and for after payment completes, to described payment request end, described service end and described client send result announcement information.
The present invention also provides a kind of client method of payment, comprising:
Receive payment request information;
Described payment request information is confirmed, then described payment request information and cryptographic storage is encapsulated in the payment account information of the client of described client, generate payment confirming information, and described payment confirming information is sent to payment terminals.
The present invention also provides a kind of client, comprises and confirms module, memory module, the first encrypting module and first communication module;
Described confirmation module is used for confirming the described payment request information received; Described memory module is for storing the payment account information of client; Encryption during described first encrypting module is used for storing the payment account information of described client, and to encapsulate the payment account information of described payment request information and described client, generates payment confirming information; Described payment confirming information for receiving described payment request information, and is sent to described payment terminals by described first communication module.
Beneficial effect of the present invention: method of payment provided by the present invention, by the payment account information encryption of client is stored in client, payment is completed by the communication of client and payment terminals, make client in payment process, neither need to show the entity pays card of oneself, do not need the payment account information externally sticked one's chin out, thus ensure that the security of client's payment account information in payment process yet.
Payment system provided by the present invention, client method of payment and client, by the payment account information encryption of client is stored in client, payment is completed by the communication of client and payment terminals, make client in payment process, neither need to show the entity pays card of oneself, do not need the payment account information externally sticked one's chin out, thus ensure that the security of client's payment account information in payment process yet.
Accompanying drawing explanation
Fig. 1 is the process flow diagram of method of payment in the embodiment of the present invention 1;
Fig. 2 is the payment process schematic diagram of method of payment in the embodiment of the present invention 2;
Fig. 3 is the process schematic in the embodiment of the present invention 2, client being carried out to data destroying;
Fig. 4 be in the embodiment of the present invention 2 client at the process schematic of client registers;
Fig. 5 is the theory diagram of payment system in the embodiment of the present invention 3;
Fig. 6 is the theory diagram of payment system in the embodiment of the present invention 4.
Description of reference numerals wherein:
1. pay request end; 11. pay request module; 2. service end; 21. second communication modules; 22. second encrypting modules; 23. processing modules; 24. administration modules; 3. client; 31. confirm module; 32. memory modules; 33. first encrypting modules; 34. first communication modules; 35. deciphering modules; 36. data destroying modules; 37. Registering modules; 4. payment terminals; 41. payment module; 42. notification modules.
Embodiment
For making those skilled in the art understand technical scheme of the present invention better, below in conjunction with the drawings and specific embodiments, a kind of method of payment provided by the present invention, payment system, client method of payment and client are described in further detail.
Embodiment 1:
The present embodiment provides a kind of method of payment, as shown in Figure 1, comprising:
Step S1: pay request end and send payment request information to client.
Step S2: client confirms payment request information, then encapsulates payment request information and cryptographic storage in the payment account information of the client of client, generates payment confirming information, and payment confirming information is sent to payment terminals.
Step S3: payment terminals obtains the payment account information of client from payment confirming information, is decrypted the payment account information of client, and pays according to the payment account information of the client after deciphering.
Wherein, the payment account information of client comprises payment account and the payment cipher of client.
This method of payment is by being stored in client by the payment account information encryption of client, make client in payment process, neither need to show the entity pays card of oneself, do not need the payment account information externally sticked one's chin out, thus ensure that the security of client's payment account information in payment process yet.
Embodiment 2:
The present embodiment provides a kind of method of payment, comprising:
Step S1: pay request end and send payment request information to client.
This step specifically comprises: pay request end and payment request information is sent to service end; Payment request information encryption is sent to client by service end; Client is decrypted payment request information.
As shown in Figure 2, to pay request end for businessman, client is the mobile communication equipment of client individual, and as mobile phone etc., service end is the background server of mobile communication equipment, and payment terminals is bank is that the concrete payment process of example to this method of payment illustrates.
In this step, encoder client is scanned by external system in businessman, then sends payment request information to service end; Service end receives this payment request information, then this payment request information is pushed to client.
Step S2: client confirms payment request information, then encapsulates payment request information and cryptographic storage in the payment account information of the client of client, generates payment confirming information, and payment confirming information is sent to payment terminals.
In this step, payment confirming information sends to payment terminals specifically to comprise by client:
Payment confirming information encryption is sent to service end by client, and payment confirming information is sent to payment terminals by service end.
Client can also be encrypted again when the payment account information of the client by payment request information and cryptographic storage encapsulates; Meanwhile, payment confirming information encryption is sent to service end by client, through repeatedly encrypting, can guarantee that the payment account information of client is not revealed in payment process further, thus further ensure that the security of the payment account information of client.
In this step, client is decrypted process to the payment request information received, client carries out password or fingerprint identification to payment request information, then this payment request information and payment account information (generating payment confirming information after namely repacking) is repacked, and by its encrypted transmission to service end; This payment confirming information is sent to bank by service end.
Step S3: payment terminals obtains the payment account information of client from payment confirming information, is decrypted the payment account information of client, and pays according to the payment account information of the client after deciphering.
Wherein, the payment account information of client comprises payment account and the payment cipher of client.
In this step, bank obtains the payment account information of client from payment confirming information, is decrypted the payment account information of client, and pays according to the payment account information of the client after deciphering.
This method of payment is by being stored in client by the payment account information encryption of client, and by paying request end in payment process, information interaction between client and payment terminals transfers to service end to process, make client in payment process, neither need to show the entity pays card of oneself, do not need the payment account information externally sticked one's chin out, thus ensure that the security of client's payment account information in payment process yet.
In the present embodiment, method of payment also comprises payment terminals after payment completes, and sends result announcement information to payment request end, service end and client.
In this step, bank is after payment completes, and can send result announcement information to businessman and service end, this result announcement information can be sent to client by service end simultaneously simultaneously.
In the present embodiment, this method of payment also comprises when client is lost, and client sends data destroying instruction by service end to client, will be stored in the payment account information destroying of the client of client.The setting of this step, when client is lost, can destroy the payment account information of the client being stored in client in time, thus ensure that the payment account information of client can not be revealed, and then ensure that the absolute safety of payment account information of client.
Be illustrated in figure 3 the process graphical that client destroys the payment account information being stored in client, when client (as mobile phone) is lost, user signs in the payment account information of service end network address to oneself by external system and carries out destruction operation; Service end sends data destroying instruction according to the data destroying password of its inner management to client; Client is according to the payment account information destroying of this data destroying instruction by its storage inside.
In the present embodiment, this method of payment is also included in client registers and preserves essential information and the payment account information of client; The essential information of client is sent to service end by client; The essential information of client comprises the unique identification information of client, the unique identification information of client and data destroying password.This step can make client by the essential information of oneself and payment account information registering and be saved in client, facilitates client to manage information; In addition, the essential information of client is sent to service end, facilitates the management of service end to client essential information.
Be illustrated in figure 4 the process graphical that client carries out in client registering, client downloads the client application software that can manage its payment account information by external system, and is arranged on client; Then client is registered in client by client application software, is all registered in client by the essential information of client and payment account information; The essential information of client can be sent to service end, so that the essential information of service end to client client manages by client automatically.
The beneficial effect of embodiment 1-2: the method for payment provided in embodiment 1-2, by the payment account information encryption of client is stored in client, and by paying request end in payment process, information interaction between client and payment terminals transfers to service end to process, make client in payment process, neither need to show the entity pays card of oneself, do not need the payment account information externally sticked one's chin out, thus ensure that the security of client's payment account information in payment process yet.
Embodiment 3:
The present embodiment provides a kind of payment system, as shown in Figure 5, comprises and pays request end 1, client 3 and payment terminals 4; Wherein, pay request end 1 and comprise payment request module 11, for sending payment request information to client 3.Client 3 comprises confirmation module 31, memory module 32, first encrypting module 33 and first communication module 34; Confirm that module 31 is for confirming the payment request information received; Memory module 32 is for storing the payment account information of client; First encrypting module 33 for the encryption in storing the payment account information of client, and encapsulates the payment account information of payment request information and client, generates payment confirming information; Payment confirming information for receiving payment request information, and is sent to payment terminals 4 by first communication module 34.Payment terminals 4 comprises payment module 41, for obtaining the payment account information of client from payment confirming information, is decrypted the payment account information of client, and pays according to the payment account information of the client after deciphering.
Wherein, the payment account information of client comprises payment account and the payment cipher of client.
This payment system is by being stored in client 3 by the payment account information encryption of client, make client in payment process, neither need to show the entity pays card of oneself, do not need the payment account information externally sticked one's chin out, thus ensure that the security of client's payment account information in payment process yet.
Embodiment 4:
The present embodiment provides a kind of payment system, as shown in Figure 6, this payment system also comprises service end 2 on the basis of embodiment 3, service end 2 comprises second communication module 21 and the second encrypting module 22, payment request information for receiving the payment request information paying request module 11 and send, and is sent to first communication module 34 by second communication module 21.Second encrypting module 22 is for sending to the payment request information of first communication module 34 to be encrypted.Client 3 also comprises deciphering module 35, for being decrypted the payment request information of the encryption received.First communication module 34 is for first sending to second communication module 21 by payment confirming information.Second communication module 21 is also for sending to payment module 41 by payment confirming information.
The setting of the first encrypting module 33 and the second encrypting module 22, can guarantee that the payment account information of client is not revealed in payment process further, thus further ensure that the security of the payment account information of client.
In the present embodiment, client 3 also comprises data destroying module 36; Service end 2 also comprises processing module 23; Processing module 23 is for when client is lost, and client sends data destroying instruction by this module to data destroying module 36.The payment account information destroying of client of data destroying module 36 for being stored in memory module 32 according to data destroying instruction.The setting of processing module 23 and data destroying module 36, when client 3 is lost, can destroy the payment account information of the client being stored in client 3 in time, thus ensure that the payment account information of client can not be revealed, and then ensure that the absolute safety of payment account information of client.
In the present embodiment, client 3 also comprises Registering modules 37, for registering the essential information of client and payment account information.Memory module 32 is also for storing the essential information of client, and the essential information of client comprises the unique identification information of client, the unique identification information of client and data destroying password.Service end 2 also comprises administration module 24; First communication module 34 is also for being sent to administration module 24 by the essential information of client.Administration module 24 is for managing the essential information of client.The setting of Registering modules 37, can make client by the essential information of oneself and payment account information registering to client 3.The essential information of client is managed by the administration module 24 of service end 2, facilitates the management of service end 2 pairs of clients 3.
Wherein, the unique identification information of client 3 refers to the MAC Address of client 3, and payment request information, after the MAC Address of clear and definite client 3, could be sent to the first communication module 34 of client 3 by second communication module 21.
In the present embodiment, payment terminals 4 also comprises notification module 42, for after payment completes, sends result announcement information to payment request end 1, service end 2 and client 3.
In the present embodiment, paying request end 1 can be businessman, and client 3 is the mobile communication equipment of client individual, and as mobile phone etc., service end 2 is the background server of mobile communication equipment, and payment terminals 4 is bank.
The beneficial effect of embodiment 3-4: the payment system provided in embodiment 3-4, by the payment account information encryption of client is stored in client, and by paying request end in payment process, information interaction between client and payment terminals transfers to service end to process, make client in payment process, neither need to show the entity pays card of oneself, do not need the payment account information externally sticked one's chin out, thus ensure that the security of client's payment account information in payment process yet.
Embodiment 5:
The present embodiment provides a kind of client method of payment, comprising:
Receive payment request information.
Payment request information is confirmed, then payment request information and cryptographic storage is encapsulated in the payment account information of the client of client, generate payment confirming information, and payment confirming information is sent to payment terminals.
This client method of payment, by the payment account information encryption of client is stored in client, make client in payment process, neither need to show the entity pays card of oneself, do not need the payment account information externally sticked one's chin out, thus ensure that the security of client's payment account information in payment process yet.
Embodiment 6:
The present embodiment provides a kind of client, comprises and confirms module, memory module, the first encrypting module and first communication module; Confirm that module is used for confirming the payment request information received; Memory module is for storing the payment account information of client; Encryption during first encrypting module is used for storing the payment account information of client, and to encapsulate the payment account information of payment request information and client, generates payment confirming information; Payment confirming information for receiving payment request information, and is sent to payment terminals by first communication module.
This client can be: any intelligent device carrying out binding with client such as mobile phone or PC.
This client, by the payment account information encryption of client is stored in client, make client in payment process, neither need to show the entity pays card of oneself, do not need the payment account information externally sticked one's chin out, thus ensure that the security of client's payment account information in payment process yet.
Be understandable that, the illustrative embodiments that above embodiment is only used to principle of the present invention is described and adopts, but the present invention is not limited thereto.For those skilled in the art, without departing from the spirit and substance in the present invention, can make various modification and improvement, these modification and improvement are also considered as protection scope of the present invention.

Claims (12)

1. a method of payment, is characterized in that, comprising:
Pay request end and send payment request information to client;
Described client confirms described payment request information, then described payment request information and cryptographic storage are encapsulated in the payment account information of the client of described client, generate payment confirming information, and described payment confirming information is sent to payment terminals;
Described payment terminals obtains the payment account information of described client from described payment confirming information, is decrypted the payment account information of described client, and pays according to the payment account information of the described client after deciphering.
2. method of payment according to claim 1, is characterized in that, described payment request end sends payment request information to client and comprises:
Described payment request information is sent to service end by described payment request end; Described payment request information encryption is sent to described client by described service end; Described client is decrypted described payment request information;
Described payment confirming information sends to payment terminals to comprise by described client:
Described payment confirming information encryption is sent to described service end by described client, and described payment confirming information is sent to described payment terminals by described service end.
3. method of payment according to claim 2, is characterized in that, also comprises:
When described client is lost, client sends data destroying instruction by described service end to described client, will be stored in the payment account information destroying of the described client of described client.
4. method of payment according to claim 3, is characterized in that, also comprises:
Essential information and the payment account information of client is preserved at described client registers; The essential information of described client is sent to described service end by described client; The essential information of described client comprises the unique identification information of described client, the unique identification information of described client and data destroying password.
5. method of payment according to claim 2, is characterized in that, also comprises described payment terminals after payment completes, and to described payment request end, described service end and described client send result announcement information.
6. a payment system, is characterized in that, comprises and pays request end, client and payment terminals; Wherein,
Described payment request end comprises payment request module, for sending payment request information to described client;
Described client comprises confirmation module, memory module, the first encrypting module and first communication module; Described confirmation module is used for confirming the described payment request information received; Described memory module is for storing the payment account information of client; Encryption during described first encrypting module is used for storing the payment account information of described client, and to encapsulate the payment account information of described payment request information and described client, generates payment confirming information; Described payment confirming information for receiving described payment request information, and is sent to described payment terminals by described first communication module;
Described payment terminals comprises payment module, for obtaining the payment account information of described client from described payment confirming information, is decrypted the payment account information of described client, and pays according to the payment account information of the described client after deciphering.
7. payment system according to claim 6, it is characterized in that, also comprise service end, described service end comprises second communication module and the second encrypting module, the payment request information that described second communication module sends for receiving described payment request module, and described payment request information is sent to described first communication module; Described second encrypting module is used for sending to the described payment request information of described first communication module to be encrypted;
Described client also comprises deciphering module, for being decrypted the described payment request information of the encryption received;
Described first communication module is used for described payment confirming information first to send to described second communication module; Described second communication module is also for sending to described payment module by described payment confirming information.
8. payment system according to claim 7, is characterized in that, described client also comprises data destroying module; Described service end also comprises processing module;
Described processing module is used for when client is lost, and client sends data destroying instruction by this module to described data destroying module; Described data destroying module is used for the payment account information destroying of described client will be stored in described memory module according to described data destroying instruction.
9. payment system according to claim 8, is characterized in that, described client also comprises Registering modules, for registering the essential information of client and payment account information;
Described memory module is also for storing the essential information of described client, and the essential information of described client comprises the unique identification information of described client, the unique identification information of described client and data destroying password;
Described service end also comprises administration module; Described first communication module is also for being sent to described administration module by the essential information of described client; Described administration module is used for managing the essential information of described client.
10. payment system according to claim 9, is characterized in that, described payment terminals also comprises notification module, and for after payment completes, to described payment request end, described service end and described client send result announcement information.
11. 1 kinds of client methods of payment, is characterized in that, comprising:
Receive payment request information;
Described payment request information is confirmed, then described payment request information and cryptographic storage is encapsulated in the payment account information of the client of described client, generate payment confirming information, and described payment confirming information is sent to payment terminals.
12. 1 kinds of clients, is characterized in that, comprise and confirm module, memory module, the first encrypting module and first communication module;
Described confirmation module is used for confirming the described payment request information received; Described memory module is for storing the payment account information of client; Encryption during described first encrypting module is used for storing the payment account information of described client, and to encapsulate the payment account information of described payment request information and described client, generates payment confirming information; Described payment confirming information for receiving described payment request information, and is sent to described payment terminals by described first communication module.
CN201510698203.7A 2015-10-23 2015-10-23 Payment method, payment system, client payment method, and client Pending CN105373922A (en)

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CN107801165A (en) * 2017-10-31 2018-03-13 平安科技(深圳)有限公司 Service note method for pushing, device, computer equipment and storage medium
CN109034789A (en) * 2017-06-08 2018-12-18 鸿骅科技股份有限公司 Method for online payment, computer program product and mobile payment card thereof

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