CN105488674A - Method and system for carrying out secure transaction by using wireless security device, and server - Google Patents
Method and system for carrying out secure transaction by using wireless security device, and server Download PDFInfo
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- CN105488674A CN105488674A CN201410500193.7A CN201410500193A CN105488674A CN 105488674 A CN105488674 A CN 105488674A CN 201410500193 A CN201410500193 A CN 201410500193A CN 105488674 A CN105488674 A CN 105488674A
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- terminal
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- wireless security
- security devices
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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
Abstract
The invention relates to a method and a system for carrying out a secure transaction by using a wireless security device, and a server. The method comprises the following steps: a first terminal receives order form information; the first terminal searches for a hot spot to obtain collection account information of a first wireless security device; the first terminal obtains payment account information of a second wireless security device; the first terminal sends the payment account information, the order form information and the collection account information to the first wireless security device and the second wireless security device; the first wireless security device generates first signature information according to information sent from the first terminal and sends the first signature information to the first terminal; the second wireless security device generates second signature information according to the information sent from the first terminal and sends the second signature information to the first terminal; the first terminal sends a payment request to the server, and the server carries out identity authentication on the first wireless security device according to the first signature information, and carries out identity authentication on the second wireless security device according to the second signature information; and after authentication is successful, the server carries out payment processing.
Description
Technical field
The present invention relates to E-Payment field, particularly relate to and utilize wireless security devices to carry out the method for Secure Transaction, system and server.
Background technology
In E-Payment field, along with electronic utility is more and more flourishing, people also get more and more by paying the mode of carrying out concluding the business by mails.Such as, the frequent choice for use Alipay of most people carries out concluding the business or transferring accounts.But using Alipay to carry out concluding the business or transferring accounts is all that the interface of filling in Payment Amount at Alipay is carried out, and payer fills in dealing money or transfer amounts, and beneficiary account and name, carry out confirmations after checking the information inputted and pay the bill.But the safety of this account is completely by manual confirmation, and transaction security only needs static password, and this mode of doing business also can well be ensured the safety of Transaction Account number.
In addition, another popular modes of payments is that point of sells (PointofSellsPOS) transaction is transferred accounts mode, although POS concludes the business, the mode of transferring accounts can ensure the safety of Transaction Account number, but be only unilaterally ensure Transaction Account number safety by POS, and POS price is high, and be not suitable for ordinary populace crowd.In addition, POS carry out transaction transfer accounts sometimes may also need queue up, greatly waste the time of many preciousnesses.
Summary of the invention
The object of the invention is by carrying out certifying signature to sequence information, the infallibility of the information that confirms an order.Then, after signing according to sequence information, payment account information, collecting account information, carry out certifying signature in the server, ensure that payment account information and collecting account information are not revealed easily; And obtain collecting account information by search hotspot, eliminate the trouble that user manually inputs collecting account information, and then it also avoid the problem that input information easily makes a fault; Meanwhile, also solve needs of paying the bill in some cases and wait in line, the problem of losing time, make payment convenient, fast.
First aspect, embodiments provide a kind of method utilizing wireless security devices to carry out Secure Transaction, described method comprises:
First terminal receives sequence information;
Described first terminal obtains the collecting account information of the first wireless security devices by search focus;
Described first terminal obtains the payment account information of the second wireless security devices;
Described first terminal sends described payment account information, described sequence information and described collecting account information respectively to described first wireless security devices, described second wireless security devices;
Described first wireless security devices generates the first signing messages according to described payment account information, described sequence information and described collecting account information, and sends to described first terminal;
Described second wireless security devices generates the second signing messages according to described payment account information, described sequence information and described collecting account information, and sends to described first terminal;
Described first terminal sends to server the request of payment, and wherein, described payment request comprises: described first signing messages and described second signing messages;
Described server carries out authentication according to described first signing messages to described first wireless security devices, carries out authentication according to described second signing messages to described second wireless security devices;
When being proved to be successful respectively, described server, according to described payment account information, described sequence information and described collecting account information, carries out payment processes.
Preferably, before described first terminal obtains the described collecting account information of described first wireless security devices by search focus, described method also comprises:
If described sequence information is signed in described first wireless security devices, then described first terminal calls described first wireless security devices and carries out certifying signature.
Preferably, when described certifying signature failure, described Secure Transaction is stopped.
Preferably, described method also comprises: when arbitrary authentication failed, and payment failure information is sent to described first terminal and described second terminal by described server.
Preferred further, described method also comprises: when after payment processes success, payment successful information is sent to described first terminal and described second terminal by described server.
Second aspect, embodiments provide a kind of system utilizing wireless security devices to carry out Secure Transaction, described system comprises: first terminal, the first wireless security devices, the second terminal, the second wireless security devices, server;
Described first terminal, for receiving sequence information; The collecting account information of described first wireless security devices is obtained by search focus; Obtain the payment account information of described second wireless security devices; If described sequence information is signed in described first wireless security devices, then described first terminal calls described first wireless security devices and carries out certifying signature, and sends described payment account information, described sequence information and described collecting account information respectively to described first wireless security devices, described second wireless security devices;
Described first wireless security devices, for generating the first signing messages according to described payment account information, described sequence information and described collecting account information, and sends to described first terminal; Send to described server the request of payment in order to described first terminal, wherein, described payment request comprises: the first signing messages and the second signing messages;
Described second wireless security devices, for generating the second signing messages according to described payment account information, described sequence information and described collecting account information, and sends to first terminal; Send to described server the request of payment in order to described first terminal, wherein, described payment request comprises: the first signing messages and the second signing messages;
Described server, for carrying out authentication according to described first signing messages to described first wireless security devices, carries out authentication according to described second signing messages to described second wireless security devices; When being proved to be successful respectively, according to described payment account information, described sequence information and described collecting account information, carry out payment processes; And payment successful information is sent to described first terminal and described second terminal; If when paying unsuccessfully, then payment failure information is sent to described first terminal and described second terminal;
Described second terminal, for receiving the payment successful information of described server transmission or paying failure information.
The third aspect, embodiments provide a kind of server utilizing wireless security devices to carry out Secure Transaction, described server comprises:
Receiving element, for receiving the payment request that first terminal sends; Described payment request comprises the first signing messages and the second signing messages;
Authentication unit, for carrying out authentication according to described first signing messages to the first wireless security devices, carries out authentication according to described second signing messages to the second wireless security devices;
Payment unit, for when being proved to be successful respectively, according to payment account information, sequence information and collecting account information, carries out payment processes.
Preferably, described server also comprises transmitting element, and for after payment processes is successful, payment successful information is sent to described first terminal and described second terminal by described transmitting element.
Further preferred, described transmitting element also for: when payment processes failure, payment failure information is sent to described first terminal and described second terminal by described server.
The method utilizing wireless security devices to carry out Secure Transaction provided by the invention, by carrying out certifying signature to sequence information, the infallibility of the information that confirms an order, then, carry out certifying signature in the server by after the signatures such as sequence information, payment account information, collecting account information, ensure that payment account information and collecting account information are not revealed easily; And obtain collecting account information by search hotspot, eliminate the trouble that user manually inputs collecting account information, and then it also avoid the problem that input information easily makes a fault, simultaneously, also solve needs of paying the bill in some cases to wait in line, the problem of losing time, makes payment convenient, fast.
Accompanying drawing explanation
The wireless security devices that utilizes that Fig. 1 provides for the embodiment of the present invention one carries out the method flow diagram of Secure Transaction;
The wireless security devices that utilizes that Fig. 2 provides for the embodiment of the present invention two carries out the system chart of Secure Transaction;
The structural representation of the server that the system utilizing wireless security devices to carry out Secure Transaction that Fig. 3 provides for the embodiment of the present invention three comprises.
Embodiment
Below by drawings and Examples, technical scheme of the present invention is described in further detail.
The wireless security devices that utilizes that Fig. 1 provides for the invention process one example carries out the method flow diagram of Secure Transaction.As shown in Figure 1, the embodiment of the present invention comprises the following steps:
Step 101, first terminal receives sequence information;
Concrete, first terminal receives sequence information by the payment application (Application, APP) being carried in first terminal.
Step 102, first terminal obtains the collecting account information of the first wireless security devices by search focus;
Concrete, first terminal by the hotspot of the search such as WIFI or bluetooth the first wireless security devices, and then obtains the collecting account information of the first wireless security devices.
Optionally, if when having comprised the collecting account information of the first wireless security devices in the sequence information of the user of first terminal reception, then step 102 can be skipped over, directly step 103 is performed.
Step 103, first terminal obtains the payment account information of the second wireless security devices;
Concrete, first terminal to be dynamically connected the second wireless security devices certainly by WIFI or bluetooth etc., or the second wireless security devices leads to wireless near field communication (NearFieldCommunicationNFC) function and first terminal carries out alternately.First terminal obtains payment account information from the second wireless security devices.
Optionally, obtain the collecting account information of the first wireless security devices at described first terminal before, if sequence information is signed in the first wireless security devices, then first terminal calls the first wireless security devices and verifies sequence information, if be proved to be successful, then continue Secure Transaction; If authentication failed, then stop Secure Transaction.
Step 104, first terminal is to the first wireless security devices, the second wireless security devices Sending Payments accounts information, sequence information and collecting account information respectively;
Step 105, the first wireless security devices generates the first signing messages according to payment account information, sequence information and collecting account information, and sends to first terminal; Second wireless security devices generates the second signing messages according to payment account information, sequence information and collecting account information, and sends to first terminal;
In a concrete example, first wireless security devices carries out generating the first signing messages based on the digital signature of Public Key Infrastructure (PublicKeyInfrastructurePKI) according to payment account information, sequence information and collecting account information, and sends to first terminal.Second wireless security devices carries out generating the second signing messages based on the digital signature of Public Key Infrastructure (PublicKeyInfrastructurePKI) according to payment account information, sequence information and collecting account information, and sends to first terminal.
Step 106, first terminal sends to server the request of payment, and wherein, payment request comprises: the first signing messages and the second signing messages;
Step 107, server carries out authentication according to the first signing messages to the first wireless security devices, carries out authentication according to the second signing messages to the second wireless security devices;
Concrete, server is verified by corresponding digital certificate at server internal according to the first signing messages and the second signing messages after receiving the request of payment respectively.
In the example that another is concrete, the first signing messages in the present invention and the second signing messages also can be signed for dynamic password, and authentication is verified by dynamic password.
Concrete, the first wireless security devices carries out dynamic password signature generation first signing messages according to payment account information, sequence information and collecting account information, and sends to first terminal.Second wireless security devices is carried out dynamic signature according to payment account information, sequence information and collecting account information and is generated the second signing messages, and sends to first terminal.
First terminal sends to server the request of payment, and wherein, payment request comprises: the first signing messages and the second signing messages;
Server is compared to the first signing messages and the second signing messages simultaneously, if the first signing messages is identical with the second signing messages, is then proved to be successful after receiving the request of payment, otherwise authentication failed.
Step 108, when being proved to be successful respectively, server, according to payment account information, sequence information and collecting account information, carries out payment processes.
Concrete, when being proved to be successful respectively, server, according to sequence information, payment account information and collecting account information, carries out payment processes.
When after payment processes success, then preferably, payment successful information is sent to first terminal and the second terminal by server.
When arbitrary authentication failed, preferably, payment failure information is sent to first terminal and the second terminal by server.
The method of the Secure Transaction that the present embodiment provides, by carrying out certifying signature to sequence information, the infallibility of the information that confirms an order, then, carry out certifying signature according to sequence information, payment account information, collecting account information in the server after signing, ensure that payment account information and collecting account information are not revealed easily; And obtain collecting account information by search hotspot, eliminate the trouble that user manually inputs collecting account information, and then it also avoid the problem that input information easily makes a fault, simultaneously, also solve needs of paying the bill in some cases to wait in line, the problem of losing time, makes payment convenient, fast.
The wireless security devices that utilizes that Fig. 2 provides for the embodiment of the present invention two carries out the system chart of Secure Transaction; This system carries out the method for Secure Transaction for the wireless security devices that utilizes realizing above-described embodiment one and provide.This system comprises: first terminal 201, first wireless security devices 202, second terminal 203, second wireless security devices 204, server 205;
First terminal 201, for receiving the sequence information of user; The collecting account information of the first wireless security devices 202 is obtained by search focus; Obtain the payment account information of the second wireless security devices 204; And to the first wireless security devices 202, second wireless security devices 204 Sending Payments accounts information, sequence information and collecting account information respectively.In the particular embodiment, first terminal 201 can be as terminal devices such as mobile phone, panel computer, desktop computers.
Optionally, if sequence information is signed in the first wireless security devices 202, then first terminal 201 calls the first wireless security devices 202 and carries out certifying signature; After being proved to be successful, proceed Secure Transaction; If authentication failed, then stop Secure Transaction.
First wireless security devices 202, for generating the first signing messages according to payment account information, sequence information and collecting account information, and sends to first terminal 201; Send to server 205 request of payment in order to first terminal 201, wherein, payment request comprises: the first signing messages and the second signing messages.In the particular embodiment, the first wireless security devices 202 can be intelligent finance card etc.Usually, the account householder of the first wireless security devices 202 is everyone of first terminal 201.
Second wireless security devices 204, for generating the second signing messages according to payment account information, sequence information and collecting account information, and sends to first terminal 201; Send to server 205 request of payment in order to first terminal 201, wherein, payment request comprises: the first signing messages and the second signing messages.In the particular embodiment, the second wireless security devices 204 can be intelligent finance card etc.Usually, the account householder of the second wireless security devices 204 is everyone of the second terminal 203.
Server 205, for carrying out authentication according to the first signing messages to the first wireless security devices 202, carries out authentication according to the second signing messages to the second wireless security devices 204; When the authentication succeeds, according to payment account information, sequence information and collecting account information, payment processes is carried out; And payment successful information is sent to first terminal 201 and the second terminal 203; If when paying unsuccessfully, then payment failure information is sent to first terminal 201 and the second terminal 203.
Second terminal 203, the successful information of payment sent for reception server 205 or pay failed information.In the particular embodiment, the second terminal 203 can be as terminal devices such as mobile phone, panel computer, desktop computers.
The system of the Secure Transaction that the present embodiment provides, first terminal obtains collecting account information by search hotspot, avoids artificial input easily to occur inputting the problem of the errors such as account; Further, carry out before transaction transfers accounts, first carrying out certifying signature to sequence information, the infallibility of the information that confirms an order; Then, after sequence information, payment account information, collecting account information are signed, signing messages is sent to certifying signature in server, wherein, signature can be PKI signature or dynamic signature, thus ensure that security and the accuracy of collecting account information and payment account information, meanwhile, also solve needs of paying the bill in some cases and wait in line, the problem of losing time, make payment convenient, fast.
The structural representation of the server that the system utilizing wireless security devices to carry out Secure Transaction that Fig. 3 provides for the embodiment of the present invention three comprises, as shown in Figure 3, server comprises: receiving element 301 receives the payment request that first terminal sends, and the request that wherein pays comprises the first signing messages and the second signing messages; Authentication unit 302 carries out authentication according to the first signing messages to the first wireless security devices, carries out authentication according to the second signing messages to the second wireless security devices.
When being proved to be successful respectively, payment unit 303, according to payment account information, sequence information and collecting account information, carries out payment processes.
In an optional example, server also comprises transmitting element 304, for by after payment processes success, payment successful information is sent to first terminal and the second terminal; And when payment processes failure, payment failure information is sent to first terminal and the second terminal.
The server that the present embodiment provides, first receive by receiving element the request of payment, and then carry out authentication by authentication unit, carry out payment processes by payment unit according to payment account information, sequence information and collecting account information after being proved to be successful, guarantee accuracy and the security of Send only Account and collecting account.
Professional should recognize further, in conjunction with unit and the method step of each example of embodiment disclosed herein description, can realize with electronic hardware, generally describe composition and the step of each example in the above description according to function.Use distinct methods to realize described function to each specifically should being used for, but this realization should not think the scope exceeding the embodiment of the present invention.
The software module that the method described in conjunction with embodiment disclosed herein or the step of algorithm can use hardware, processor to perform, or the combination of the two is implemented.Software module can be placed in the storage medium of other form any known in random access memory (RAM), internal memory, ROM (read-only memory) (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or technical field.
Above-described embodiment; the object of the embodiment of the present invention, technical scheme and beneficial effect are further described; be understood that; the foregoing is only the embodiment of the embodiment of the present invention; be not intended to limit the present invention the protection domain of embodiment; within all spirit in the embodiment of the present invention and principle, any amendment made, equivalent replacement, improvement etc., within the protection domain that all should be included in the embodiment of the present invention.
Claims (9)
1. utilize wireless security devices to carry out a method for Secure Transaction, it is characterized in that, described method comprises:
First terminal receives sequence information;
Described first terminal obtains the collecting account information of the first wireless security devices by search focus;
Described first terminal obtains the payment account information of the second wireless security devices;
Described first terminal sends described payment account information, described sequence information and described collecting account information respectively to described first wireless security devices, described second wireless security devices;
Described first wireless security devices generates the first signing messages according to described payment account information, described sequence information and described collecting account information, and sends to described first terminal;
Described second wireless security devices generates the second signing messages according to described payment account information, described sequence information and described collecting account information, and sends to described first terminal;
Described first terminal sends to server the request of payment, and wherein, described payment request comprises: described first signing messages and described second signing messages;
Described server carries out authentication according to described first signing messages to described first wireless security devices, carries out authentication according to described second signing messages to described second wireless security devices;
When being proved to be successful respectively, described server, according to described payment account information, described sequence information and described collecting account information, carries out payment processes.
2. method according to claim 1, is characterized in that, before described first terminal obtains the described collecting account information of described first wireless security devices by search focus, described method also comprises:
If described sequence information is signed in described first wireless security devices, then described first terminal calls described first wireless security devices and carries out certifying signature.
3. method according to claim 2, is characterized in that, when described certifying signature failure, stops described Secure Transaction.
4. method according to claim 1, is characterized in that, described method also comprises:
When arbitrary authentication failed, payment failure information is sent to described first terminal and described second terminal by described server.
5. method according to claim 1, is characterized in that, described method also comprises:
When after payment processes success, payment successful information is sent to described first terminal and described second terminal by described server.
6. utilize wireless security devices to carry out a system for Secure Transaction, it is characterized in that, described system comprises: first terminal, the first wireless security devices, the second terminal, the second wireless security devices, server;
Described first terminal, for receiving sequence information; The collecting account information of described first wireless security devices is obtained by search focus; Obtain the payment account information of described second wireless security devices; If described sequence information is signed in described first wireless security devices, then described first terminal calls described first wireless security devices and carries out certifying signature, and sends described payment account information, described sequence information and described collecting account information respectively to described first wireless security devices, described second wireless security devices;
Described first wireless security devices, for generating the first signing messages according to described payment account information, described sequence information and described collecting account information, and sends to described first terminal; Send to described server the request of payment in order to described first terminal, wherein, described payment request comprises: the first signing messages and the second signing messages;
Described second wireless security devices, for generating the second signing messages according to described payment account information, described sequence information and described collecting account information, and sends to first terminal; Send to described server the request of payment in order to described first terminal, wherein, described payment request comprises: the first signing messages and the second signing messages;
Described server, for carrying out authentication according to described first signing messages to described first wireless security devices, carries out authentication according to described second signing messages to described second wireless security devices; When being proved to be successful respectively, according to described payment account information, described sequence information and described collecting account information, carry out payment processes; And payment successful information is sent to described first terminal and described second terminal; If when paying unsuccessfully, then payment failure information is sent to described first terminal and described second terminal;
Described second terminal, for receiving the payment successful information of described server transmission or paying failure information.
7. a server, is characterized in that, described server comprises:
Receiving element, for receiving the payment request that first terminal sends; Described payment request comprises the first signing messages and the second signing messages;
Authentication unit, for carrying out authentication according to described first signing messages to the first wireless security devices, carries out authentication according to described second signing messages to the second wireless security devices;
Payment unit, for when being proved to be successful respectively, according to payment account information, sequence information and collecting account information, carries out payment processes.
8. server according to claim 7, it is characterized in that, described server also comprises transmitting element, and for when after payment processes success, payment successful information is sent to described first terminal and described second terminal by described transmitting element.
9. server according to claim 8, is characterized in that, described transmitting element also for: when payment processes failure time, payment failure information is sent to described first terminal and described second terminal by described server.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410500193.7A CN105488674A (en) | 2014-09-26 | 2014-09-26 | Method and system for carrying out secure transaction by using wireless security device, and server |
| PCT/CN2015/073031 WO2016045305A1 (en) | 2014-09-26 | 2015-02-13 | Method, system and server for secure transaction using wireless security devices |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410500193.7A CN105488674A (en) | 2014-09-26 | 2014-09-26 | Method and system for carrying out secure transaction by using wireless security device, and server |
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| Publication Number | Publication Date |
|---|---|
| CN105488674A true CN105488674A (en) | 2016-04-13 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410500193.7A Pending CN105488674A (en) | 2014-09-26 | 2014-09-26 | Method and system for carrying out secure transaction by using wireless security device, and server |
Country Status (2)
| Country | Link |
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| CN (1) | CN105488674A (en) |
| WO (1) | WO2016045305A1 (en) |
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| CN108985752A (en) * | 2018-06-29 | 2018-12-11 | 杭州复杂美科技有限公司 | A kind of method of payment and system, equipment and storage medium |
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Also Published As
| Publication number | Publication date |
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| WO2016045305A1 (en) | 2016-03-31 |
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