CN105741111A - Mobile payment method, system and device - Google Patents
Mobile payment method, system and device Download PDFInfo
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- CN105741111A CN105741111A CN201410743193.XA CN201410743193A CN105741111A CN 105741111 A CN105741111 A CN 105741111A CN 201410743193 A CN201410743193 A CN 201410743193A CN 105741111 A CN105741111 A CN 105741111A
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Abstract
The invention discloses a mobile payment method, system and device, relating to the mobile payment technical field. The invention provides a new mobile payment mode. An NFC (Near Field Communication) POS supports a card simulation mode, and business information and transaction tokens dynamically obtained from a mobile payment server side are written in a simulation card, thereby providing convenience for an NFC user terminal to read and trigger a payment process; on one hand, a real-time dynamic transaction verification process can reduce mobile payment security risks, and on the other hand, the technical scheme can be applied to a common NFC user terminal, have no reconstruction requirement on the NFC user terminal, and reduce the NFC user terminal dependence on security modules such as NFC SWP cards and NFC SD cards, and special-purpose client sides.
Description
Technical field
The present invention relates to mobile payment technical field, particularly to a kind of method of mobile payment, system and equipment.
Background technology
NFC (NearFieldCommunication, short-range communication) is a kind of short-range high frequency wireless communication technology, it is allowed to carry out non-contact data transmission between electronic equipment.Three kinds of mode of operations of NFC include: card reader pattern, card simulation model, ad hoc mode.
The cardinal principle of current mobile payment includes: NFC user terminal adopts card simulation model, by the distribution of TSM (trusted service management) platform and management operating application on analog card, NFC user terminal needs to support NFCSWP (SingleWireProtocol, single-wire-protocol) agreement, and need special TSM trusted client, SIM needs to support that NFCSWP, NFCPOS (point-of-sale terminal) need to support card reader pattern, thus completing mobile payment.
NFC user terminal is required higher by above-mentioned mobile payment pattern, need to rely on security module and the private client such as NFCSWP card, NFCSD (secure digital) card, for common NFC user terminal, it is necessary to change SIM and could realize mobile payment, affect Consumer's Experience.
Summary of the invention
One purpose of the embodiment of the present invention is: propose a kind of new mobile payment pattern, to reduce the requirement to NFC user terminal.
An aspect according to embodiments of the present invention, a kind of method of mobile payment provided, including: mobile payment server is in response to short-range communication point-of-sale terminal (pointofsale, POS) transaction request sent, according to the merchant information carried in transaction request, short-range communication point-of-sale terminal is verified, when verifying that short-range communication point-of-sale terminal distributes and returns transaction token time legal；Its short-range communication function setting is card simulation model by short-range communication point-of-sale terminal, and transaction token and merchant information are write in analog card, so that the card reader pattern that utilizes short-range communication user terminal reads transaction token and merchant information from the analog card of short-range communication point-of-sale terminal, and triggers mobile payment application initiation payment request；Mobile payment server is in response to paying request, and short-range communication user terminal is verified by transaction token and merchant information according to carrying in payment request, and completes payment process according to the result.
This new mobile payment pattern, Real-time and Dynamic transaction verification flow process can reduce mobile payment security risk on the one hand, it is applicable to common NFC user terminal on the other hand, to NFC user terminal without transformation requirement, reduce the NFC user terminal degree of dependence to the security modules such as NFCSWP card, NFCSD card and private client.
In one embodiment, short-range communication user terminal is verified including by mobile payment server according to the transaction token carried in payment request and merchant information: mobile payment server look for the transaction token of short-range communication this transaction allocation of point-of-sale terminal according to paying the merchant information carried in request, and the transaction token found is compared with paying the transaction token carried in request, if it is consistent, then short-range communication user terminal is verified, if it is inconsistent, the checking of short-range communication user terminal is not passed through.Once the Real-time and Dynamic transaction verification flow process of one token of transaction can reduce mobile payment security risk.
In one embodiment, mobile payment server completes payment process according to the result and includes: mobile payment server performs delivery operation when short-range communication user terminal is verified, and returns payment response information to short-range communication point-of-sale terminal and short-range communication user terminal；Short-range communication point-of-sale terminal receives payment response information, and is paying, according to payment response information, this transaction data stored in deletion analog card after successfully.Thus the resource of release storage in time, and improve the safety of mobile payment.
In one embodiment, mobile payment server performs delivery operation and includes when short-range communication user terminal is verified: mobile payment server points out user to input password when short-range communication user terminal is verified, and performs delivery operation when the password of user's input is correct.Thus reaching to take precautions against the purpose of disabled user, improve the safety of mobile payment.
Another aspect according to embodiments of the present invention, a kind of mobile payment server provided, including: point-of-sale terminal authentication module, for the transaction request sent in response to short-range communication point-of-sale terminal, according to the merchant information carried in transaction request, short-range communication point-of-sale terminal is verified；Token distribution module, for distributing when point-of-sale terminal authentication module checking short-range communication point-of-sale terminal is legal and returns transaction token；User terminal authentication module, for the payment request sent in response to short-range communication user terminal, paying in request and carry transaction token and the merchant information that short-range communication user terminal reads from the analog card of short-range communication point-of-sale terminal, short-range communication user terminal is verified by transaction token and merchant information according to carrying in payment request；Payment processes module, completes payment process for the result according to user terminal authentication module.
In one embodiment, user terminal authentication module, specifically for: the transaction token of short-range communication this transaction allocation of point-of-sale terminal it is look for according to the merchant information carried in payment request, and the transaction token found is compared with paying the transaction token carried in request, if it is consistent, then short-range communication user terminal is verified, if it is inconsistent, the checking of short-range communication user terminal is not passed through.
In one embodiment, payment processes module, specifically for: delivery operation is performed when short-range communication user terminal is verified, and returning payment response information to short-range communication point-of-sale terminal and short-range communication user terminal, in order to short-range communication point-of-sale terminal is paying this transaction data stored in deletion analog card after successfully.
In one embodiment, payment processes module, it is additionally operable to: point out when short-range communication user terminal is verified user to input password, performs delivery operation when the password of user's input is correct.
Another aspect according to embodiments of the present invention, it is provided that a kind of short-range communication point-of-sale terminal, including sending module, for sending transaction request to mobile payment server, transaction request is carried merchant information, in order to mobile payment server is verified；Writing module, for receiving the transaction token that mobile payment server returns when checking this short-range communication point-of-sale terminal is legal, it is card simulation model by its short-range communication function setting, and transaction token and merchant information are write in analog card, in order to short-range communication user terminal reads and triggers payment process.
In one embodiment, short-range communication point-of-sale terminal also includes: removing module, for receiving the payment response information that mobile payment server returns, and deletes this transaction data of storage in analog card after successfully paying.
Another aspect according to embodiments of the present invention, it is provided that a kind of mobile-payment system, including the mobile payment server in any one embodiment aforementioned and the short-range communication point-of-sale terminal in any one embodiment aforementioned.
The embodiment of the present invention proposes a kind of new mobile payment pattern, NFC point-of-sale terminal support card simulation model, by merchant information and from the transaction token write analog card that mobile payment server side dynamically obtains, NFC user terminal is facilitated to read and trigger payment process, Real-time and Dynamic transaction verification flow process can reduce mobile payment security risk on the one hand, it is applicable to common NFC user terminal on the other hand, to NFC user terminal without transformation requirement, reduce the NFC user terminal degree of dependence to the security modules such as NFCSWP card, NFCSD card and private client.
By referring to the accompanying drawing detailed description to the exemplary embodiment of the present invention, the further feature of the present invention and advantage thereof will be made apparent from.
Accompanying drawing explanation
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, the accompanying drawing used required in embodiment or description of the prior art will be briefly described below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the premise not paying creative work, it is also possible to obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the principle schematic of mobile payment deployment scheme of the present invention.
Fig. 2 is the schematic flow sheet of one embodiment of method of mobile payment of the present invention.
Fig. 3 is the information interaction figure of one embodiment of method of mobile payment of the present invention.
Fig. 4 is the structural representation of one embodiment of mobile payment server of the present invention.
Fig. 5 is the structural representation of one embodiment of short-range communication point-of-sale terminal of the present invention.
Fig. 6 is the structural representation of one embodiment of mobile-payment system 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 only a part of embodiment of the present invention, rather than whole embodiments.Description only actually at least one exemplary embodiment is illustrative below, never as any restriction to the present invention and application or use.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.
Fig. 1 is the principle schematic of mobile payment deployment scheme of the present invention.As it is shown in figure 1, include mobile payment server, NFC point-of-sale terminal and NFC user terminal.Mobile payment server is third party's mobile payment platform equipment of bank or other financial sectors, it is possible to carry out information with NFC point-of-sale terminal and NFC user terminal respectively mutual.NFC point-of-sale terminal such as includes the POS of the public territory such as shop, the vehicles.NFC user terminal such as includes the equipment such as the mobile phone with NFC communication function.NFC function can be utilized between NFC point-of-sale terminal and NFC user terminal to communicate.
Fig. 2 is the schematic flow sheet of one embodiment of method of mobile payment of the present invention.As in figure 2 it is shown, the method for mobile payment of the present embodiment comprises the following steps:
Step S202, the transaction request that mobile payment server sends in response to short-range communication point-of-sale terminal, according to the merchant information carried in transaction request, short-range communication point-of-sale terminal is verified, when verifying that short-range communication point-of-sale terminal distributes and returns transaction token time legal.
Step S204, its short-range communication function setting is card simulation model by short-range communication point-of-sale terminal, and transaction token and merchant information are write in analog card, so that the card reader pattern that utilizes short-range communication user terminal reads transaction token and merchant information from the analog card of short-range communication point-of-sale terminal, and triggers mobile payment application initiation payment request.
Wherein, its NFC controller specifically can be set to simulation model by short-range communication point-of-sale terminal.
Wherein, pay in request except including transaction token and merchant information, it is also possible to include the user profile such as user account.
Step S206, mobile payment server is in response to paying request, and short-range communication user terminal is verified by transaction token and merchant information according to carrying in payment request, and completes payment process according to the result.
The new mobile payment pattern that the present embodiment provides, NFC point-of-sale terminal support card simulation model, by merchant information and from the transaction token write analog card that mobile payment server side dynamically obtains, NFC user terminal is facilitated to read and trigger payment process, Real-time and Dynamic transaction verification flow process can reduce mobile payment security risk on the one hand, it is applicable to common NFC user terminal on the other hand, to NFC user terminal without transformation requirement, reduce the NFC user terminal degree of dependence to the security modules such as NFCSWP card, NFCSD card and private client.
In step S202, the merchant information carried in transaction request such as includes the trade company number for identifying trade company, then a kind of exemplary verification method of short-range communication point-of-sale terminal is included: according to trade company number, mobile payment server determines whether this trade company is chartered legal trade company, if registered trade company has this trade company number, then being verified of short-range communication point-of-sale terminal, if not this trade company number in registered trade company, then the checking of short-range communication point-of-sale terminal is not passed through.This proof procedure can verify the legitimacy of short-range communication point-of-sale terminal, thus improving the safety of mobile payment.
In step S202, the merchant information carried in transaction request is except trade company number, the key information of trade company can also be included, then a kind of exemplary verification method of short-range communication point-of-sale terminal is included: according to trade company number, mobile payment server determines whether this trade company is chartered legal trade company, for registered trade company, determine whether whether the key information of requests verification mates with the key information in registered information, if do not mated, then the checking of short-range communication point-of-sale terminal is not passed through, if coupling, then being verified of short-range communication point-of-sale terminal.
In step S202, except carrying merchant information in transaction request, it is also possible to carry the Transaction Informations such as dealing money.It addition, when short-range communication point-of-sale terminal is verified, it is also possible to set the size according to dealing money and adopt different verification methods.Such as, dealing money exceedes certain amount, it is possible to sets and adopts stricter verification method.Thus hedge efficiency and transaction security.
In step S206, a kind of illustrative methods that short-range communication user terminal is verified by mobile payment server includes: mobile payment server look for the transaction token of short-range communication this transaction allocation of point-of-sale terminal according to paying the merchant information carried in request, and the transaction token found is compared with paying the transaction token carried in request, if it is consistent, then short-range communication user terminal is verified, if it is inconsistent, the checking of short-range communication user terminal is not passed through.Once the Real-time and Dynamic transaction verification flow process of one token of transaction can reduce mobile payment security risk.
In step S206, a kind of illustrative methods that mobile payment server completes payment process according to the result includes: mobile payment server performs delivery operation when short-range communication user terminal is verified, and returns payment response information to short-range communication point-of-sale terminal and short-range communication user terminal；Short-range communication point-of-sale terminal receives payment response information, and is paying, according to payment response information, this transaction data stored in deletion analog card after successfully.Thus the resource of release storage in time, and improve the safety of mobile payment.
Wherein, before performing delivery operation, mobile payment server can point out user to input password further, performs delivery operation again when the password of user's input is correct.Thus reaching to take precautions against the purpose of disabled user, improve the safety of mobile payment.In application scenes, whether can be provided with password according to user to decide whether to carry out password verification operation, can also decide whether to carry out password verification operation according to dealing money, such as, dealing money exceedes certain amount and carries out password verification operation again, thus hedge efficiency and transaction security.Furthermore it is also possible to arrange the password of different security intensities according to dealing money, for instance, dealing money is more big, and it is more high that the security intensity of password is arranged, thus improving the safety of transaction further.
Fig. 3 is the information interaction figure of one embodiment of method of mobile payment of the present invention.As it is shown on figure 3, the method for mobile payment of the present embodiment comprises the following steps:
Step S302, short-range communication point-of-sale terminal sends transaction request to mobile payment server, carries the merchant information such as trade company number, key, it is also possible to carry the Transaction Informations such as dealing money in transaction request.
Step S304, short-range communication point-of-sale terminal is verified by mobile payment server according to the merchant information carried in transaction request, when verifying that short-range communication point-of-sale terminal distributes and returns transaction token time legal.
Step S306, its short-range communication function setting is card simulation model by short-range communication point-of-sale terminal, and transaction token and merchant information is write in analog card.
Step S308, short-range communication user terminal utilizes card reader pattern to read transaction token and merchant information from the analog card of short-range communication point-of-sale terminal, and triggers mobile payment application initiation payment request.Pay in request except including transaction token and merchant information, it is also possible to include the user profile such as user account.
Step S310, mobile payment server is in response to paying request, and short-range communication user terminal is verified by transaction token and merchant information according to carrying in payment request.
After short-range communication user terminal is verified, it is possible to directly perform step S316, it is also possible to first carry out step S312～S314, then perform step S316 again.
Step S312, mobile payment server prompts user inputs password.
Step S314, the password that user inputs is sent to mobile payment server by short-range communication user terminal.Mobile payment server judges that whether the password that user inputs is correct, if correctly, then performs step S316.
Step S316, mobile payment server performs delivery operation, and returns payment success response information to short-range communication point-of-sale terminal and short-range communication user terminal.
Step S318, short-range communication point-of-sale terminal receives after paying success response information, deletes this transaction data of storage in analog card.
Fig. 4 is the structural representation of one embodiment of mobile payment server of the present invention.As shown in Figure 4, the mobile payment server 400 of the present embodiment includes:
Point-of-sale terminal authentication module 402, for the transaction request sent in response to short-range communication point-of-sale terminal, is verified short-range communication point-of-sale terminal according to the merchant information carried in transaction request；
Token distribution module 404, for distributing when point-of-sale terminal authentication module checking short-range communication point-of-sale terminal is legal and returns transaction token；
User terminal authentication module 406, for the payment request sent in response to short-range communication user terminal, paying in request and carry transaction token and the merchant information that short-range communication user terminal reads from the analog card of short-range communication point-of-sale terminal, short-range communication user terminal is verified by transaction token and merchant information according to carrying in payment request；
Payment processes module 408, completes payment process for the result according to user terminal authentication module.
In one embodiment, user terminal authentication module 406, specifically for: the transaction token of short-range communication this transaction allocation of point-of-sale terminal it is look for according to the merchant information carried in payment request, and the transaction token found is compared with paying the transaction token carried in request, if it is consistent, then short-range communication user terminal is verified, if it is inconsistent, the checking of short-range communication user terminal is not passed through.
In one embodiment, payment processes module 408, specifically for: delivery operation is performed when short-range communication user terminal is verified, and returning payment response information to short-range communication point-of-sale terminal and short-range communication user terminal, in order to short-range communication point-of-sale terminal is paying this transaction data stored in deletion analog card after successfully.
In one embodiment, payment processes module 408, it is additionally operable to: point out when short-range communication user terminal is verified user to input password, performs delivery operation when the password of user's input is correct.
Fig. 5 is the structural representation of one embodiment of short-range communication point-of-sale terminal of the present invention.As it is shown in figure 5, the short-range communication point-of-sale terminal 500 of the present embodiment includes:
Sending module 502, for sending transaction request to mobile payment server, carries merchant information, in order to mobile payment server is verified in transaction request；
Writing module 504, for receiving the transaction token that mobile payment server returns when checking this short-range communication point-of-sale terminal is legal, it is card simulation model by its short-range communication function setting, and transaction token and merchant information are write in analog card, in order to short-range communication user terminal reads and triggers payment process.
In one embodiment, again referring to Fig. 5, short-range communication point-of-sale terminal can further include: removing module 506, for receiving the payment response information that mobile payment server returns, and deletes this transaction data of storage in analog card after successfully paying.
Fig. 6 is the structural representation of one embodiment of mobile-payment system of the present invention.As shown in Figure 6, the mobile-payment system 600 of the present embodiment includes: the mobile payment server 400 in any one embodiment aforementioned and the short-range communication point-of-sale terminal 500 in any one embodiment aforementioned.
The embodiment of the present invention proposes a kind of new mobile payment pattern, NFC point-of-sale terminal support card simulation model, by merchant information and from the transaction token write analog card that mobile payment server side dynamically obtains, NFC user terminal is facilitated to read and trigger payment process, Real-time and Dynamic transaction verification flow process can reduce mobile payment security risk on the one hand, it is applicable to common NFC user terminal on the other hand, to NFC user terminal without transformation requirement, reduce the NFC user terminal degree of dependence to the security modules such as NFCSWP card, NFCSD card and private client.
One of ordinary skill in the art will appreciate that all or part of step realizing above-described embodiment can be completed by hardware, can also be completed by the hardware that program carrys out instruction relevant, described program can be stored in a kind of computer-readable recording medium, storage medium mentioned above can be read only memory, disk or CD etc..
The foregoing is only presently preferred embodiments of the present invention, not in order to limit the present invention, all within the spirit and principles in the present invention, any amendment of making, equivalent replacement, improvement etc., should be included within protection scope of the present invention.
Claims (11)
1. a method of mobile payment, it is characterised in that including:
The transaction request that mobile payment server sends in response to short-range communication point-of-sale terminal, according to the merchant information carried in described transaction request, described short-range communication point-of-sale terminal is verified, when verifying that described short-range communication point-of-sale terminal distributes and returns transaction token time legal；
Its short-range communication function setting is card simulation model by described short-range communication point-of-sale terminal, and described transaction token and described merchant information are write in analog card, so that the card reader pattern that utilizes short-range communication user terminal reads described transaction token and described merchant information from the analog card of described short-range communication point-of-sale terminal, and triggers mobile payment application initiation payment request；
Described mobile payment server pays request in response to described, and described short-range communication user terminal is verified by described transaction token and described merchant information according to carrying in described payment request, and completes payment process according to the result.
2. method according to claim 1, it is characterised in that described short-range communication user terminal is verified including by described mobile payment server according to the described transaction token carried in described payment request and described merchant information:
Described mobile payment server look for the transaction token of described short-range communication this transaction allocation of point-of-sale terminal according to the described merchant information carried in request that pays, and the transaction token found is compared with the described transaction token carried in request that pays, if it is consistent, then described short-range communication user terminal is verified, if it is inconsistent, the checking of described short-range communication user terminal is not passed through.
3. method according to claim 1 and 2, it is characterised in that described mobile payment server completes payment process according to the result and includes:
Described mobile payment server performs delivery operation when described short-range communication user terminal is verified, and returns payment response information to described short-range communication point-of-sale terminal and described short-range communication user terminal；
Described short-range communication point-of-sale terminal receives payment response information, and is paying, according to described payment response information, this transaction data stored in deletion analog card after successfully.
4. method according to claim 3, it is characterised in that described mobile payment server performs delivery operation and includes when described short-range communication user terminal is verified:
Described mobile payment server points out user to input password when described short-range communication user terminal is verified, and performs delivery operation when the password of user's input is correct.
5. a mobile payment server, it is characterised in that including:
Point-of-sale terminal authentication module, for the transaction request sent in response to short-range communication point-of-sale terminal, is verified described short-range communication point-of-sale terminal according to the merchant information carried in described transaction request；
Token distribution module, for distributing when the described point-of-sale terminal authentication module described short-range communication point-of-sale terminal of checking is legal and returns transaction token；
User terminal authentication module, for the payment request sent in response to short-range communication user terminal, described payment in request carries transaction token and the merchant information that described short-range communication user terminal reads from the analog card of described short-range communication point-of-sale terminal, and described short-range communication user terminal is verified by transaction token and merchant information according to carrying in described payment request；
Payment processes module, completes payment process for the result according to described user terminal authentication module.
6. mobile payment server according to claim 5, it is characterised in that described user terminal authentication module, specifically for:
It look for the transaction token of described short-range communication this transaction allocation of point-of-sale terminal according to the described merchant information carried in request that pays, and the transaction token found is compared with the described transaction token carried in request that pays, if it is consistent, then described short-range communication user terminal is verified, if it is inconsistent, the checking of described short-range communication user terminal is not passed through.
7. the mobile payment server according to claim 5 or 6, it is characterised in that described payment processes module, specifically for:
Delivery operation is performed when described short-range communication user terminal is verified, and returning payment response information to described short-range communication point-of-sale terminal and described short-range communication user terminal, in order to described short-range communication point-of-sale terminal is paying this transaction data stored in deletion analog card after successfully.
8. mobile payment server according to claim 7, it is characterised in that described payment processes module, is additionally operable to:
Point out when described short-range communication user terminal is verified user to input password, perform delivery operation when the password of user's input is correct.
9. a short-range communication point-of-sale terminal, it is characterised in that including:
Sending module, for sending transaction request to mobile payment server, carries merchant information, in order to described mobile payment server is verified in described transaction request；
Writing module, for receiving the transaction token that described mobile payment server returns when checking this short-range communication point-of-sale terminal is legal, it is card simulation model by its short-range communication function setting, and described transaction token and described merchant information are write in analog card, in order to short-range communication user terminal reads and triggers payment process.
10. short-range communication point-of-sale terminal according to claim 9, it is characterised in that also include:
Removing module, for receiving the payment response information that described mobile payment server returns, and deletes this transaction data of storage in analog card paying after successfully.
11. a mobile-payment system, it is characterised in that including: the mobile payment server described in any one of claim 5-8 and the short-range communication point-of-sale terminal described in claim 9 or 10.
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| CN201410743193.XA CN105741111A (en) | 2014-12-08 | 2014-12-08 | Mobile payment method, system and device |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410743193.XA CN105741111A (en) | 2014-12-08 | 2014-12-08 | Mobile payment method, system and device |
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| CN105741111A true CN105741111A (en) | 2016-07-06 |
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