CN105654289A - Double-factor authentication mobile payment method and system - Google Patents
Double-factor authentication mobile payment method and system Download PDFInfo
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- CN105654289A CN105654289A CN201610171347.1A CN201610171347A CN105654289A CN 105654289 A CN105654289 A CN 105654289A CN 201610171347 A CN201610171347 A CN 201610171347A CN 105654289 A CN105654289 A CN 105654289A
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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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-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
- G06Q20/30—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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3229—Use of the SIM of a M-device as secure element
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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Abstract
The invention discloses a double-factor authentication mobile payment method and system. The method comprises the following steps that a mobile terminal sends a payment request to a mobile operator payment platform through a mobile operator main SIM card, and the mobile operator payment platform identifies and stores a main SIM card identification code; a debit card payment device provided with an auxiliary SIM card receives the payment request sent by the mobile terminal and generates a corresponding payment message; the payment message is sent to the mobile operator payment platform, and the mobile operator payment platform identifies and stores an identification code of the auxiliary SIM card sending the payment request; the mobile operator payment platform compares the auxiliary SIM card identification code reaching the mobile operator payment platform through different paths with the main SIM card identification code, and a card transaction is completed if the auxiliary SIM card identification code is matched with the main SIM card identification code, and if not, the mobile operator payment platform rejects the payment request. By means of the double-factor authentication mobile payment method and system, payment convenience can be easily improved under the premise that the safety of mobile payment is not reduced.
Description
Technical field
The invention belongs to mobile payment field, be specifically related to a kind of two-factor authentication method of mobile payment and system thereof.
Background technology
The payment and settlement pattern of existing use bank card consumption generally includes the pattern being carried out payment and settlement in online lower consumption and payment clearing scene by bank card brush POS terminal, consumption and payment clearing scene is undertaken the pattern of payment and settlement and other payment and settlement patterns on line by bank net or third party's fast payment etc.
At present, it is 300 yuan that the small amount of Unionpay's unified standard exempts from the limit of close payment, and consumer can select to open use small amount and exempt from close payment, within the limit of regulation, it is not necessary to input password can complete to pay. Consumer, when the payment being performed more than fixed ceiling, is as a rule necessary for carrying out password authentification and just can complete to pay. Although small amount exempts from close payment can save consumer's enforcement behavior when implementing payment, but still has the risk that part is usurped.
On line under payment mode, for exceeding the transaction exempting from close payment limit, when implementing to pay, generally there is following several password protection Validation Mode in consumer: 1) U shield for bank+password authentification; 2) password+short message verification code checking; 3) card number+extra-code+password authentification etc. Under normal circumstances, consumer wishes that the password protection verification mode by different ensures the safety of its account and payment process, while ensure that safety of payment, it is difficult to have payment convenience concurrently. Such as following several problem being an impediment to payment convenience: 1) if not carrying with U shield for bank, thus authentication can not be passed through to pay; 2) payment that the out-of-date inefficacy of short message verification code causes is incured loss through delay; 3) repeatedly input because hands misleads to cause when input card number and extra-code, all in a certain link that consumer implements payment, user can be reduced in the way of impairing convenience and pay experience.
Summary of the invention
The technical problem to be solved in the present invention is to provide a kind of two-factor authentication method of mobile payment and system thereof, uses the main SIM of mobile operator and attached SIM identification code to carry out mating to confirm user identity in payment transaction.Under the premise not reducing payment safety, the mode being mutually authenticated is carried out by the payment code (paying request/payment message) of transmission in two independent telecommunication paths, the user omitted in payment process inputs password link, pays convenience thus strengthening and is lifted at the user experience implemented when paying.
For solving above-mentioned technical problem, the present invention adopts the following technical scheme that:
A kind of two-factor authentication method of mobile payment, comprises the following steps:
S10, for mobile terminal, is provided by the application program on the mobile terminal of the main SIM of mobile operator and selects have card to exempt from close payment on line,
S101, mobile terminal sends, to mobile operator payment platform, the request of payment by the main SIM of mobile operator, and mobile operator payment platform identification also preserves main SIM identification code;
S20, for financial card paying device,
S201, the financial card paying device being provided with the attached SIM corresponding with main SIM receives the payment request that mobile terminal is sent, and after described financial card paying device receives this payment request, produces to pay message accordingly;
S202, will pay message and send to mobile operator payment platform, and mobile operator payment platform identification also preserves the attached SIM identification code sending this payment request, is compared by the main SIM identification code of attached SIM identification code Yu preservation,
If coupling, payment message is sent to Unionpay's payment platform and has completed card transaction by mobile operator payment platform; Transaction results is returned to Unionpay's payment platform; Electronics proof of delivery is pushed to user to complete transaction by application program by Unionpay's payment platform;
If not mating, the refusal to pay request of mobile operator payment platform.
In one preferred embodiment, described financial card paying device includes controlling module, communication module and attached SIM, wherein, controlling module and receive the payment request from outside mobile terminal by communication module, attached SIM generates and pays message and send it to mobile operator payment platform.
In one preferred embodiment, described attached SIM storage has financial card information, controls module and sends payment message generation instruction to attached SIM, and the reception of attached SIM pays message and generates instruction and be used for the payment message paid according to financial card information generation.
In one preferred embodiment, described financial card information includes original marking and key, and attached SIM generates according to original marking and key and pays message.
In one preferred embodiment, described financial card information includes fiscard account information, fiscard effect duration information.
In one preferred embodiment, described communication module is connected with mobile terminal by wiredly and/or wirelessly mode.
In one preferred embodiment, described financial card paying device is provided with power module.
In one preferred embodiment, described financial card paying device is wearable device.
Meanwhile, present invention also offers a kind of two-factor authentication mobile-payment system, including:
Mobile terminal, is provided with and has on line and have card to exempt from the close application program paying configuration, and be provided with for sending the main SIM paying request comprising main SIM identification code and Transaction Information to mobile operator payment platform;
Financial card paying device, including controlling module, communication module and attached SIM, wherein, control module to be asked from the payment of mobile terminal by communication module reception, attached SIM generates and pays message and send it to mobile operator payment platform, mobile operator payment platform identification also preserves the attached SIM identification code sending this payment request, is compared by the main SIM identification code of attached SIM identification code Yu preservation
If coupling, payment message is sent to Unionpay's payment platform and has completed card transaction by mobile operator payment platform;Transaction results is returned to Unionpay's payment platform; Electronics proof of delivery is pushed to user to complete transaction by application program by Unionpay's payment platform;
If not mating, the refusal to pay request of mobile operator payment platform.
In one preferred embodiment, described attached SIM storage has financial card information, controls module and sends payment message generation instruction to attached SIM, and the reception of attached SIM pays message and generates instruction and be used for the payment message paid according to financial card information generation.
In one preferred embodiment, described financial card information includes original marking and key, and attached SIM generates according to original marking and key and pays message.
In one preferred embodiment, described financial card information includes fiscard account information, fiscard effect duration information.
In one preferred embodiment, described communication module is connected with mobile terminal by wiredly and/or wirelessly mode.
In one preferred embodiment, described financial card paying device is provided with power module.
In one preferred embodiment, described financial card paying device is wearable device.
The present invention is adopted to have following beneficial effect:
1, by the main SIM of mobile operator and attached SIM identification code dual factors payment it is verified and confirms, it is ensured that being not less than input password and carry out the safe class of payment verification.
2, under the premise not reducing payment safety, the mode being mutually authenticated is carried out by the payment code (paying request/payment message) of transmission in two independent telecommunication paths, the user omitted in payment process inputs password link, pays convenience thus strengthening and is lifted at the user experience implemented when paying.
3, financial card paying device is arranged to wearable device, it is simple to financial card paying device is carried with, when implementing line has card to pay, with the use of mobile terminal and financial card paying device, has convenience and the safety of two-factor authentication mobile payment concurrently.
Accompanying drawing explanation
Fig. 1 is the theory diagram of the two-factor authentication method of mobile payment of the embodiment of the present invention;
Fig. 2 be the embodiment of the present invention two-factor authentication method of mobile payment in the theory diagram of financial card paying device;
Fig. 3 is the module composition frame chart of the two-factor authentication mobile-payment system of the embodiment of the present invention.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is a part of embodiment of the present invention, rather than whole embodiments. Based on the embodiment in the present invention, the every other embodiment that those of ordinary skill in the art obtain under not making creative work premise, broadly fall into the scope of protection of the invention.
Referring to Fig. 1, it is shown that for the theory diagram of the two-factor authentication method of mobile payment of the embodiment of the present invention, it comprises the following steps:
S10, for mobile terminal, is provided by the application program on the mobile terminal of the main SIM of mobile operator and selects have card to exempt from close payment on line,
S101, mobile terminal sends, to mobile operator payment platform, the request of payment by the main SIM of mobile operator, and mobile operator payment platform identification also preserves main SIM identification code;
S20, for financial card paying device,
S201, the financial card paying device being provided with the attached SIM corresponding with the main SIM of mobile operator receives the payment request that mobile terminal is sent, and after financial card paying device receives this payment request, produces to pay message accordingly;
S202, will pay message and send to mobile operator payment platform, and mobile operator payment platform identification also preserves the attached SIM identification code sending this payment message. Main SIM identification code and attached SIM identification code arrive mobile operator payment platform respectively through different paths, after both of which arrives, attached SIM identification code and main SIM identification code are compared,
If coupling, payment message is sent to Unionpay's payment platform and has completed card transaction by mobile operator payment platform; Transaction results is returned to Unionpay's payment platform; Electronics proof of delivery is pushed to user to complete transaction by application program by Unionpay's payment platform;
If not mating, the refusal to pay request of mobile operator payment platform.
The two-factor authentication method of mobile payment of arrangement above, the payment request that user is sent by mobile terminal is not used to real trade, and mobile operator payment platform identification also preserves main SIM identification code, and main SIM identification code is used as authentication; Meanwhile, financial card paying device produces to pay accordingly message after receiving payment request, sends to mobile operator payment platform, the attached SIM identification code of mobile operator payment platform identification, to guarantee main SIM and the attached SIM coupling of initiating payment transaction request. By the identification code of the main SIM of mobile operator arranged on mobile terminal and the attached SIM of financial card paying device setting as proof factor, and confirm transaction by financial card paying device with mobile operator payment platform, the mobile terminal not passing through to be loaded with extensive application program is traded confirming, greatly strengthen the safety of transaction.
In one specific embodiment, referring to Fig. 2, it show in the two-factor authentication method of mobile payment of the embodiment of the present invention theory diagram of financial card paying device, financial card paying device 10 includes controlling module 101, communication module 102 and attached SIM 103, controls module 101 and electrically connects with communication module 102 and attached SIM 103 respectively. Wherein, control module 101 and receive the payment request from outside mobile terminal by communication module 102, namely communication module 101 is the communication interface between financial card paying device with the outside mobile terminal such as personal computer (PersonalComputer, PC) or smart mobile phone. Communication module is connected with mobile terminal by wiredly and/or wirelessly mode. Attached SIM 103 generates and pays message and send it to mobile operator payment platform. Financial card paying device 10 is additionally provided with power module. In order to easy to use and strengthen its safety, financial card paying device 10 is wearable device. Certainly, it will be appreciated by persons skilled in the art that financial card paying device 10 may be alternatively provided as other example, in hardware or is arranged to the form of biological built-in chip.
In the present invention, application program on mobile terminal is mobile payment application program (present invention is called for short APP), by binding fiscard (the such as credit card of payment on APP, debit card, consumption card etc.), and send, to mobile operator payment platform, the request of payment by the main SIM of mobile operator, the request of payment is sent to mobile operator payment platform by carrier network (such as 3G/4G network), mobile operator payment platform is by being identified the payment request received, with the main SIM identification code obtained on mobile terminal and preserve.
Wherein, the storage of attached SIM 103 has financial card information, controls module 101 and pays message generation instruction to the transmission of attached SIM 103, and attached SIM 103 receives and pays message generation instruction and generate the payment message being used for paying according to financial card information.In one embodiment, financial card information includes fiscard account information, fiscard effect duration information. In another embodiment, financial card information includes original marking and key, and attached SIM 103 generates according to original marking and key and pays message. Pay message and include original marking part and dynamic random number. Wherein, the several calculating by hashing algorithm according to original marking of dynamic random is generated. For improving the safety paid, the various key elements being favorably improved payment safety can be introduced at dynamic random number. Such as, dynamic random fractional part can calculate generation according to original marking by hashing algorithm; Using dynamic time series as one of reference basis generating payment labelling, the dynamic random number of payment labelling can also be made to be associated with dynamic time series, such that it is able to the potential safety hazard of original marking part of preventing to a certain extent.
Wherein, in financial card information, the original marking of storage can be generated by high in the clouds payment services, and high in the clouds payment services are the online service platform of the mobile payment program installed on mobile terminal. Original marking can also be generated by high in the clouds payment services notification indicia service provider (such as bankcard association etc.), then by labelling service provider, the original marking of generation is back to high in the clouds payment services. By high in the clouds payment services, original marking can also notify that on line, Third-party payment platform generates, and is then back to high in the clouds payment services by Third-party payment platform on line by the original marking of generation. Specifically which side generates original marking by, depend on payment account type that user uses (such as bank card account, or hundred pairs of precious accounts, wealth pay the Third-party payment accounts etc. such as logical account, telecommunications wing payment account, the fertile payment account of UNICOM) and each inter-agency business associate pattern.
Additionally, in another kind of embodiment, present invention also offers a kind of two-factor authentication mobile-payment system, with reference to shown in Fig. 3, this system mainly includes mobile terminal 20 and financial card paying device 10. Wherein, mobile terminal 20 is provided with to be had on line and has card to exempt from the close application program (APP) 21 paying configuration, and is provided with for sending the main SIM 22 paying request comprising main SIM identification code and Transaction Information to mobile operator payment platform; Financial card paying device 10 includes controlling module 101, communication module 102 and attached SIM 103, controls module and connects communication module and attached SIM respectively; The payment that control module 101 is received from mobile terminal 20 by communication module 102 is asked, and attached SIM 103 generates payment message and also sends it to mobile operator payment platform (not shown).
The substantially workflow of this two-factor authentication mobile-payment system is: the application program 21 of mobile terminal 20 sends, to mobile operator payment platform, the request of payment by the main SIM 22 of mobile operator, and mobile operator payment platform identification also preserves main SIM identification code. Additionally, for financial card paying device 10, control module 101 and receive the payment request from outside mobile terminal 20 by communication module 102, controlling module 101 and send payment message generation instruction to attached SIM 103, the reception of attached SIM 103 pays message and generates instruction and be used for the payment message paid according to financial card information generation; Afterwards, message will be paid by communication module 102 to send to mobile operator payment platform, mobile operator payment platform identification also preserves the attached SIM identification code sending this payment message, being compared with the main SIM identification code of preservation by attached SIM identification code: if mating, payment message is sent to Unionpay's payment platform and has completed card transaction by mobile operator payment platform;Transaction results is returned to Unionpay's payment platform; Electronics proof of delivery is pushed to user to complete transaction by application program by Unionpay's payment platform; If not mating, the refusal to pay request of mobile operator payment platform.
In the present invention one optional embodiment, communication module 102 is connected with mobile terminal 20 by wiredly and/or wirelessly mode. It is further preferred that the communication module 102 of financial card paying device 10 is provided with blue tooth interface, mobile terminal 20 is communicatively coupled by bluetooth approach and financial card paying device 10.
In the present invention one optional embodiment, financial card paying device 10 is provided with power module (not shown), and the electronic component being controlled module 101, communication module 102 and other not detailed descriptions in the present invention by electric power source pair of module is powered. Optionally, power module is provided with rechargeable battery and charging inlet, connects charging inlet by charging wire and rechargeable battery can be charged by supply socket.
In the present invention one optional embodiment, financial card paying device 10 is wearable device, for instance for portable forms such as Intelligent bracelet, intelligent watch, key chains. Certainly, it will be appreciated by persons skilled in the art that financial card paying device 10 may be alternatively provided as other example, in hardware or is arranged to the form of biological built-in chip, do not repeat them here.
Should be appreciated that exemplary embodiment as herein described is illustrative and be not restrictive. Although being described in conjunction with the accompanying one or more embodiments of the invention, it should be understood by one skilled in the art that when without departing from the spirit and scope of claims invention defined, it is possible to make the change of various forms and details.
Claims (15)
1. a two-factor authentication method of mobile payment, it is characterised in that comprise the following steps:
S10, for mobile terminal, is provided by the application program on the mobile terminal of the main SIM of mobile operator and selects have card to exempt from close payment on line,
S101, mobile terminal sends, to mobile operator payment platform, the request of payment by the main SIM of mobile operator, and mobile operator payment platform identification also preserves main SIM identification code;
S20, for financial card paying device,
S201, the financial card paying device being provided with the attached SIM corresponding with main SIM receives the payment request that mobile terminal is sent, and after described financial card paying device receives this payment request, produces to pay message accordingly;
S202, will pay message and send to mobile operator payment platform, and mobile operator payment platform identification also preserves the attached SIM identification code sending this payment request, is compared by the main SIM identification code of attached SIM identification code Yu preservation,
If coupling, payment message is sent to Unionpay's payment platform and has completed card transaction by mobile operator payment platform; Transaction results is returned to Unionpay's payment platform; Electronics proof of delivery is pushed to user to complete transaction by application program by Unionpay's payment platform;
If not mating, the refusal to pay request of mobile operator payment platform.
2. the two-factor authentication method of mobile payment described in claim 1, it is characterized in that, described financial card paying device includes controlling module, communication module and attached SIM, wherein, controlling module and receive the payment request from outside mobile terminal by communication module, attached SIM generates and pays message and send it to mobile operator payment platform.
3. the two-factor authentication method of mobile payment described in claim 2, it is characterized in that, described attached SIM storage has financial card information, controlling module and send payment message generation instruction to attached SIM, the reception of attached SIM pays message and generates instruction and be used for the payment message paid according to financial card information generation.
4. the two-factor authentication method of mobile payment described in claim 3, it is characterised in that described financial card information includes original marking and key, attached SIM generates according to original marking and key and pays message.
5. the two-factor authentication method of mobile payment described in claim 3, it is characterised in that described financial card information includes fiscard account information, fiscard effect duration information.
6. according to the arbitrary described two-factor authentication method of mobile payment of claim 1 to 5, it is characterised in that described communication module is connected with mobile terminal by wiredly and/or wirelessly mode.
7. according to the arbitrary described two-factor authentication method of mobile payment of claim 1 to 5, it is characterised in that described financial card paying device is provided with power module.
8. according to the arbitrary described two-factor authentication method of mobile payment of claim 1 to 5, it is characterised in that described financial card paying device is wearable device.
9. a two-factor authentication mobile-payment system, it is characterised in that including:
Mobile terminal, is provided with and has on line and have card to exempt from the close application program paying configuration, and be provided with for sending the main SIM paying request comprising main SIM identification code and Transaction Information to mobile operator payment platform;
Financial card paying device, including controlling module, communication module and attached SIM, wherein, control module to be asked from the payment of mobile terminal by communication module reception, attached SIM generates and pays message and send it to mobile operator payment platform, mobile operator payment platform identification also preserves the attached SIM identification code sending this payment request, is compared by the main SIM identification code of attached SIM identification code Yu preservation
If coupling, payment message is sent to Unionpay's payment platform and has completed card transaction by mobile operator payment platform; Transaction results is returned to Unionpay's payment platform; Electronics proof of delivery is pushed to user to complete transaction by application program by Unionpay's payment platform;
If not mating, the refusal to pay request of mobile operator payment platform.
10. the two-factor authentication mobile-payment system described in claim 9, it is characterized in that, described attached SIM storage has financial card information, controlling module and send payment message generation instruction to attached SIM, the reception of attached SIM pays message and generates instruction and be used for the payment message paid according to financial card information generation.
11. the two-factor authentication mobile-payment system described in claim 10, it is characterised in that described financial card information includes original marking and key, attached SIM generates according to original marking and key and pays message.
12. the two-factor authentication mobile-payment system described in claim 10, it is characterised in that described financial card information includes fiscard account information, fiscard effect duration information.
13. according to the arbitrary described two-factor authentication mobile-payment system of claim 9 to 12, it is characterised in that described communication module is connected with mobile terminal by wiredly and/or wirelessly mode.
14. according to the arbitrary described two-factor authentication mobile-payment system of claim 9 to 12, it is characterised in that described financial card paying device is provided with power module.
15. according to the arbitrary described two-factor authentication mobile-payment system of claim 9 to 12, it is characterised in that described financial card paying device is wearable device.
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CN108154364A (en) * | 2016-12-06 | 2018-06-12 | 上海方付通商务服务有限公司 | Wearable device and payment system and method for payment with the wearable device |
CN108681899A (en) * | 2018-05-18 | 2018-10-19 | 中国联合网络通信集团有限公司 | Method of payment and payment system |
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