CN105787730A - Two-factor authentication mobile payment method in offline card mode and system thereof - Google Patents
Two-factor authentication mobile payment method in offline card mode and system thereof Download PDFInfo
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- CN105787730A CN105787730A CN201610172242.8A CN201610172242A CN105787730A CN 105787730 A CN105787730 A CN 105787730A CN 201610172242 A CN201610172242 A CN 201610172242A CN 105787730 A CN105787730 A CN 105787730A
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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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/356—Aspects of software for card payments
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
Abstract
The invention discloses a two-factor authentication mobile payment method in an offline card mode and a system thereof. The method comprises steps: offline card password-free payment is selected through an application program on a mobile terminal provided with a mobile operator SIM card, the mobile terminal sends a payment request to the traditional payment platform via the SIM card, and the traditional payment platform recognizes and stores the identification code of the SIM card; a financial card payment device receives the payment request sent by the mobile terminal, and a payment message for payment is generated; the payment message is sent to a POS terminal, the payment message is sent to the traditional payment platform via a POS operator, the traditional payment platform compares the payment message with the stored identification code of the SIM card, if matching, the transaction is completed, and if not, the transaction is denied. The payment is authenticated and validated through the identification code of the mobile operator SIM card and the payment message via two independent telecommunication channels, and the safety grade can be ensured to be no lower than that when payment authentication is carried out through inputting a password.
Description
Technical field
The invention belongs to payment technical field, being specifically related under a kind of line has two-factor authentication method of mobile payment and system thereof under mode card.
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 implementing enforcement behavior when paying, but still has partial risks and usurp.
Having under card trade mode under online, for exceeding the transaction exempting from close payment limit, consumer is when implementing to pay, it usually needs inputs payment cipher in the POS terminal of businessman and carries out payment verification.When consumer inputs payment cipher in POS terminal unavoidably can because of hands by mistake or forget Password (particularly when consumer has multiple bank cards and is respectively provided with different payment cipher) and by payment cipher input error, thus hindering being smoothed out of transaction of swiping the card under line.If the payment cipher of consumer's repeatedly input error, bank card also can be caused to be locked by bank so that payment flow of swiping the card terminates.
The bank card (credit card) that consumer holds is if belonging to and exempting from close card (consumer sets in bank in advance), when using it to pay, all can implement when it not being carried out authentication to exempt from close payment, there is certain payment risk.
Card is had to conclude the business under current line, consumer can not carry out secure payment while close payment convenience is exempted from enjoyment, convenience can not paid to input to enjoy while payment cipher carries out secure payment, sum it up, when the payment convenience having card to conclude the business under front and safety exist the predicament that fish can not get both with Pedis Ursus.
Summary of the invention
The technical problem to be solved in the present invention is to provide under a kind of line two-factor authentication method of mobile payment and system thereof under mode card, uses the mobile operator SIM identification code of mobile terminal and the payment message of financial card paying device transmission 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:
There is two-factor authentication method of mobile payment under mode card under line, comprise the following steps:
S10, for mobile terminal,
S101, is provided by the application program on the mobile terminal of mobile operator SIM and selects have card to exempt from close payment under line,
S102, mobile terminal sends, to conventional payment platform, the request of payment through mobile operator payment platform by mobile operator SIM, and conventional payment land identification also preserves SIM identification code；
S20, for financial card paying device,
S201, receives the payment request that mobile terminal sends, and generates the payment message for paying according to the request of payment；
S202, will pay message and send to POS terminal, further, pay message and sends to conventional payment platform through POS operator, and conventional payment platform is compared paying the message SIM identification code with preservation,
If coupling, complete have card to conclude the business under this line, and transaction results is back to POS terminal through POS operator；Electronic transaction receipt is pushed to user by application program by conventional payment platform；
If not mating, conventional payment platform has refused have card to conclude the business under this line.
In one preferred embodiment, described conventional payment platform includes Unionpay's payment platform and card sending mechanism payment platform.
In one preferred embodiment, Unionpay's payment platform receive the payment request that mobile terminal sends.
In one preferred embodiment, card sending mechanism payment platform receive the payment request that mobile terminal sends.
In one preferred embodiment, described financial card paying device includes controlling module, proximity communication module and fiscard module, wherein, controlling module and asked from the payment of mobile terminal by proximity communication module reception, fiscard module generates according to the request of payment and pays message.
In one preferred embodiment, described fiscard module stores has financial card information, control module sends the payment comprising payment message generation instruction and asks to fiscard module, and the reception of fiscard module pays the payment message asking and being used for according to financial card information generation to pay.
In one preferred embodiment, described financial card information includes original marking and key, and fiscard module 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 financial card paying device also includes paying message transmission antenna.
In one preferred embodiment, described payment message transmission antenna includes magnetic field impulse transmitting antenna.
In one preferred embodiment, described payment message transmission antenna includes NFC antenna.
In one preferred embodiment, described financial card paying device is wearable device.
Meanwhile, present invention also offers and have two-factor authentication mobile-payment system under mode card under a kind of line, including mobile terminal and financial card paying device, wherein,
Described mobile terminal is used for, and is provided by the application program on the mobile terminal of mobile operator SIM and selects have card to exempt from close payment under line,
Sending, to conventional payment platform, the request of payment through mobile operator payment platform by mobile operator SIM, conventional payment land identification also preserves SIM identification code；
Described financial card paying device is used for, and receives the payment request that mobile terminal sends, and generates the payment message for paying according to the request of payment；
To pay message to send to POS terminal, and further, pay message and send to conventional payment platform through POS operator, conventional payment platform is compared paying the message SIM identification code with preservation,
If coupling, complete have card to conclude the business under this line, and transaction results is back to POS terminal through POS operator；Electronic transaction receipt is pushed to user by application program by conventional payment platform；
If not mating, conventional payment platform has refused have card to conclude the business under this line.
In one preferred embodiment, described conventional payment platform includes Unionpay's payment platform and card sending mechanism payment platform.
In one preferred embodiment, described financial card paying device includes controlling module, proximity communication module and fiscard module, wherein, controlling module and asked from the payment of mobile terminal by proximity communication module reception, fiscard module generates according to the request of payment and pays message.
In one preferred embodiment, described fiscard module stores has financial card information, control module sends the payment comprising payment message generation instruction and asks to fiscard module, and the reception of fiscard module pays the payment message asking and being used for according to financial card information generation to pay.
In one preferred embodiment, described financial card paying device also includes paying message transmission antenna.
In one preferred embodiment, described payment message transmission antenna includes magnetic field impulse transmitting antenna.
In one preferred embodiment, described payment message transmission antenna includes NFC antenna.
In one preferred embodiment, described financial card paying device is wearable device.
The present invention is adopted to have following beneficial effect:
1, by mobile operator SIM identification code with pay message and through two independent telecommunication paths (dual factors) payment be verified and confirm, it is ensured that be 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.
4, consumer can choose the bank card (fiscard) for paying voluntarily on the mobile payment application program of mobile terminal, according to different payment scenes and favourable condition etc., the specific bank card having the amount of money preferential is selected to pay, to improve the consumption enthusiasm of user and to use frequency.
5, the compatible magnetic stripe POS traditional on the market of financial card paying device and support NFC dodge the POS paid, and have wide range of applications, and improve market and to the acceptance level of product and accept speed.
Accompanying drawing explanation
Fig. 1 be the embodiment of the present invention line under have the theory diagram of two-factor authentication method of mobile payment under mode card；
Fig. 2 be the embodiment of the present invention line under have under mode card the theory diagram of financial card paying device in two-factor authentication method of mobile payment；
Fig. 3 be the embodiment of the present invention line under have the theory diagram of two-factor authentication mobile-payment system under mode card.
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 there being the theory diagram of two-factor authentication method of mobile payment under mode card under the line 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 mobile operator SIM and selects have card to exempt from close payment under line,
S102, mobile terminal sends, to conventional payment platform, the request of payment through mobile operator payment platform by mobile operator SIM, and conventional payment land identification also preserves SIM identification code；
S20, for financial card paying device,
S201, receives the payment request that mobile terminal sends, and generates the payment message for paying according to the request of payment；
S202, message will be paid send to POS terminal, further, pay message to send to conventional payment platform through POS operator, conventional payment platform is compared paying the message SIM identification code with preservation, if coupling, complete have card to conclude the business under this line, and transaction results is back to POS terminal through POS operator；Electronic transaction receipt is pushed to user by application program by conventional payment platform；If not mating, conventional payment platform has refused have card to conclude the business under this line.
Two-factor authentication method of mobile payment under mode card is had under the line of arrangement above, the payment message to POS terminal that financial card paying device sends is not used to real trade, particularly as follows: mobile terminal sends, through mobile operator payment platform, the request of payment by mobile operator SIM, operator's payment platform identification also preserves SIM identification code, further, the payment comprising SIM identification code is asked to send to conventional payment platform by operator's payment platform, conventional payment platform preserves after obtaining the payment request comprising SIM identification code, wherein, SIM identification code is used as authentication；Meanwhile, financial card paying device produces to pay accordingly message after receiving the payment request sending from mobile terminal, and payment message is sent to POS terminal, pay message to send to conventional payment platform through POS operator, conventional payment platform is compared paying the message SIM identification code with preservation, to guarantee the SIM identification code initiating payment transaction request and to pay message coupling；After the match is successful, return checkout result by POS operator to POS terminal, and printed payment strip by POS terminal, additionally, conventional payment platform is by the mobile operator payment platform mobile terminal return electron payment result to user.In embodiments of the present invention, by the payment message of the mobile operator SIM arranged on mobile terminal and the transmission of financial card paying device as proof factor, SIM identification code and payment message correctly mate rear and can confirm that transaction, greatly strengthen the safety of transaction.In the present invention, the payment request that mobile terminal sends not only includes SIM identification code, also includes the information such as exchange hour, type of transaction, transaction trade company.
In embodiments of the present invention, above-mentioned conventional payment platform includes Unionpay's payment platform and card sending mechanism payment platform, received mobile terminal by Unionpay's payment platform and send the payment the comprising SIM identification code request come through mobile operator payment platform, and financial card paying device sends, through POS operator, the payment message of coming, Unionpay's payment platform guarantee the SIM identification code initiating payment transaction request and pay message card coupling；Or, received mobile terminal by card sending mechanism platform and send the payment the comprising SIM identification code request come through mobile operator payment platform, and financial card paying device sends, through POS operator, the payment message of coming, card sending mechanism platform guarantee the SIM identification code initiating payment transaction request and pay message card coupling.
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 10, financial card paying device 10 mainly includes controlling module 101, proximity communication module 102 and fiscard module 103, controls module 101 and electrically connects with proximity communication module 102 and fiscard module 103 respectively.Wherein, control module 101 and receive the payment request from outside mobile terminal by proximity 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 101 is connected with mobile terminal by wiredly and/or wirelessly mode, it is preferred to use the connected mode of bluetooth realizes the data interaction between financial card paying device 10 and mobile terminal.
Being additionally provided with power module (not shown) on financial card paying device 10, the electronic component being controlled module 101, proximity 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 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.), mobile terminal sends, to conventional payment platform, the request of payment through mobile operator payment platform by mobile operator SIM, the request of payment is sent to mobile operator payment platform by carrier network (such as 3G/4G network), mobile operator payment platform sends the payment request come according to mobile terminal can obtain SIM identification code, and the payment comprising SIM information of identification code request is sent to conventional payment platform, conventional payment platform identifies after obtaining this payment comprising SIM information of identification code request, with the SIM identification code obtained on mobile terminal and preserve.
On the one hand, fiscard module 103 has safety element (not shown), safety element internal memory contains financial card information, control module 101 sends the payment comprising payment message generation instruction and asks to fiscard module 103, and fiscard module 103 reception pays the payment message asking and being used for according to financial card information generation to pay.
In an optional embodiment, financial card information includes fiscard account information, fiscard effect duration information.In another optional embodiment, financial card information includes original marking and key, and fiscard module 103 generates according to original marking and key and pays message.Pay message and include original marking part and dynamic random number.The several calculating by hashing algorithm according to original marking of dynamic random is generated.Dynamic random number is associated with dynamic time series.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.
In embodiments of the present invention, financial card paying device 10 also includes paying message transmission antenna, to send to POS terminal to pay message by this payment message transmission antenna.In concrete application, financial card paying device 10 receives after sending next payment request from mobile terminal, can generate and pays message and send paying message to POS terminal by paying the message transmission antenna form with wireless signal.
With reference to shown in Fig. 2, in the present invention one optional embodiment, above-mentioned payment message transmission antenna includes NFC antenna 104, and payment message is sent to POS terminal with the non-form connecing mode of NFC by NFC antenna 104.Concrete, financial card paying device 10 receives after the payment request of mobile terminal transmission by proximity communication module 102, safety element (the i.e. SE chip asking to be sent to fiscard module 103 will be paid through controlling module 101, or replaced by UICC card), to outside, safety element responds and generates can support that NFC dodges the POS terminal transmission paying function and pays message either directly through NFC antenna 104 after paying message.
Shown in Fig. 2, in another optional embodiment of the present invention, above-mentioned payment message transmission antenna includes magnetic field impulse transmitting antenna 105, magnetic field impulse transmitting antenna 105 will pay message (magnetic field impulse signal) with the form of magnetic field impulse near-field communication (magneticNearFieldCommunication is called for short mNFC) and be sent to POS terminal.Concrete, financial card paying device receives after the payment request of mobile terminal transmission by proximity communication module 102, the safety element asking to be sent to fiscard module 103 will be paid through controlling module 101, safety element is back to control module 101 after responding and generate payment message, by controlling module 101, payment message is sent to magnetic field impulse transmitting antenna 105, by magnetic field impulse transmitting antenna 105, payment message is sent to the form of magnetic field impulse signal the induction magnetic head of POS terminal.
In addition, in another kind of embodiment, present invention also offers and have two-factor authentication mobile-payment system under mode card under a kind of line, with reference to shown in Fig. 3, including mobile terminal 20 and financial card paying device 10, wherein, mobile terminal 20 is used for: is provided by the application program on the mobile terminal 20 of mobile operator SIM 201 and selects have card to exempt from close payment under line, further, sending, to conventional payment platform, the request of payment through mobile operator payment platform by mobile operator SIM 201, conventional payment land identification also preserves SIM identification code；Financial card paying device 10 is used for: receives the payment request that mobile terminal sends, and generates the payment message for paying according to the request of payment；Message will be paid send to POS terminal, further, pay message to send to conventional payment platform through POS operator, conventional payment platform is compared paying the message SIM identification code with preservation, if coupling, complete have card to conclude the business under this line, and transaction results is back to POS terminal through POS operator；Electronic transaction receipt is pushed to user by application program by conventional payment platform；If not mating, conventional payment platform has refused have card to conclude the business under this line.
Two-factor authentication mobile-payment system under mode card is had under the line of arrangement above, the payment message to POS terminal that financial card paying device 10 sends is not used to real trade, particularly as follows: mobile terminal 20 sends, through mobile operator payment platform, the request of payment by mobile operator SIM 201, operator's payment platform identification also preserves SIM identification code, further, the payment comprising SIM identification code is asked to send to conventional payment platform by operator's payment platform, conventional payment platform preserves after obtaining the payment request comprising SIM identification code, wherein, SIM identification code is used as authentication；Meanwhile, financial card paying device 10 produces to pay accordingly message after receiving the payment request sending from mobile terminal, and payment message is sent to POS terminal, pay message to send to conventional payment platform through POS operator, conventional payment platform is compared paying the message SIM identification code with preservation, to guarantee the SIM identification code initiating payment transaction request and to pay message coupling；After the match is successful, return checkout result by POS operator to POS terminal, and printed payment strip by POS terminal, additionally, conventional payment platform is by the mobile operator payment platform mobile terminal return electron payment result to user.In embodiments of the present invention, by the payment message of the mobile operator SIM arranged on mobile terminal 20 and the transmission of financial card paying device as proof factor, SIM identification code and payment message correctly mate rear and can confirm that transaction, greatly strengthen the safety of transaction.In the present invention, the payment request that mobile terminal sends not only includes SIM identification code, also includes the information such as exchange hour, type of transaction, transaction trade company.
In embodiments of the present invention, above-mentioned conventional payment platform includes Unionpay's payment platform and card sending mechanism payment platform, received mobile terminal by Unionpay's payment platform and send the payment the comprising SIM identification code request come through mobile operator payment platform, and financial card paying device sends, through POS operator, the payment message of coming, Unionpay's payment platform guarantee the SIM identification code initiating payment transaction request and pay message card coupling；Or, received mobile terminal by card sending mechanism platform and send the payment the comprising SIM identification code request come through mobile operator payment platform, and financial card paying device sends, through POS operator, the payment message of coming, card sending mechanism platform guarantee the SIM identification code initiating payment transaction request and pay message card coupling.
In one specific embodiment, with continued reference to Fig. 2, it show in the two-factor authentication mobile-payment system of the embodiment of the present invention theory diagram of financial card paying device 10, financial card paying device 10 mainly includes controlling module 101, proximity communication module 102 and fiscard module 103, controls module 101 and electrically connects with proximity communication module 102 and fiscard module 103 respectively.Wherein, control module 101 and receive the payment request from outside mobile terminal by proximity 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 101 is connected with mobile terminal by wiredly and/or wirelessly mode, it is preferred to use the connected mode of bluetooth realizes the data interaction between financial card paying device 10 and mobile terminal.
Being additionally provided with power module (not shown) on financial card paying device 10, the electronic component being controlled module 101, proximity 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 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.), mobile terminal sends, to conventional payment platform, the request of payment through mobile operator payment platform by mobile operator SIM, the request of payment is sent to mobile operator payment platform by carrier network (such as 3G/4G network), mobile operator payment platform sends the payment request come according to mobile terminal can obtain SIM identification code, and the payment comprising SIM information of identification code request is sent to conventional payment platform, conventional payment platform identifies after obtaining this payment comprising SIM information of identification code request, with the SIM identification code obtained on mobile terminal and preserve.
On the one hand, fiscard module 103 has safety element (not shown), safety element internal memory contains financial card information, control module 101 sends the payment comprising payment message generation instruction and asks to fiscard module 103, and fiscard module 103 reception pays the payment message asking and being used for according to financial card information generation to pay.
In an optional embodiment, financial card information includes fiscard account information, fiscard effect duration information.In another optional embodiment, financial card information includes original marking and key, and fiscard module 103 generates according to original marking and key and pays message.Pay message and include original marking part and dynamic random number.The several calculating by hashing algorithm according to original marking of dynamic random is generated.Dynamic random number is associated with dynamic time series.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.
In embodiments of the present invention, financial card paying device 10 also includes paying message transmission antenna, to send to POS terminal to pay message by this payment message transmission antenna.In concrete application, financial card paying device 10 receives after sending next payment request from mobile terminal, can generate and pays message and send paying message to POS terminal by paying the message transmission antenna form with wireless signal.
With reference to shown in Fig. 2, in the present invention one optional embodiment, above-mentioned payment message transmission antenna includes NFC antenna 104, and payment message is sent to POS terminal with the non-form connecing mode of NFC by NFC antenna 104.Concrete, financial card paying device 10 receives after the payment request of mobile terminal transmission by proximity communication module 102, safety element (the i.e. SE chip asking to be sent to fiscard module 103 will be paid through controlling module 101, or replaced by UICC card), to outside, safety element responds and generates can support that NFC dodges the POS terminal transmission paying function and pays message either directly through NFC antenna 104 after paying message.
Shown in Fig. 2, in another optional embodiment of the present invention, above-mentioned payment message transmission antenna includes magnetic field impulse transmitting antenna 105, magnetic field impulse transmitting antenna 105 will pay message (magnetic field impulse signal) with the form of magnetic field impulse near-field communication (magneticNearFieldCommunication is called for short mNFC) and be sent to POS terminal.Concrete, financial card paying device receives after the payment request of mobile terminal transmission by proximity communication module 102, the safety element asking to be sent to fiscard module 103 will be paid through controlling module 101, safety element is back to control module 101 after responding and generate payment message, by controlling module 101, payment message is sent to magnetic field impulse transmitting antenna 105, by magnetic field impulse transmitting antenna 105, payment message is sent to the form of magnetic field impulse signal the induction magnetic head of POS terminal.
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 (20)
1. there is two-factor authentication method of mobile payment under mode card under a line, it is characterised in that comprise the following steps:
S10, for mobile terminal,
S101, is provided by the application program on the mobile terminal of mobile operator SIM and selects have card to exempt from close payment under line,
S102, mobile terminal sends, to conventional payment platform, the request of payment through mobile operator payment platform by mobile operator SIM, and conventional payment land identification also preserves SIM identification code；
S20, for financial card paying device,
S201, receives the payment request that mobile terminal sends, and generates the payment message for paying according to the request of payment；
S202, will pay message and send to POS terminal, further, pay message and sends to conventional payment platform through POS operator, and conventional payment platform is compared paying the message SIM identification code with preservation,
If coupling, complete have card to conclude the business under this line, and transaction results is back to POS terminal through POS operator；Electronic transaction receipt is pushed to user by application program by conventional payment platform；
If not mating, conventional payment platform has refused have card to conclude the business under this line.
2. there is two-factor authentication method of mobile payment under mode card under the line described in claim 1, it is characterised in that described conventional payment platform includes Unionpay's payment platform and card sending mechanism payment platform.
3. there is two-factor authentication method of mobile payment under mode card under the line described in claim 2, it is characterised in that received, by Unionpay's payment platform, the payment request that mobile terminal sends.
4. there is two-factor authentication method of mobile payment under mode card under the line described in claim 2, it is characterised in that received, by card sending mechanism payment platform, the payment request that mobile terminal sends.
5. there is two-factor authentication method of mobile payment under mode card according under the arbitrary described line of Claims 1-4, it is characterized in that, described financial card paying device includes controlling module, proximity communication module and fiscard module, wherein, controlling module to be asked from the payment of mobile terminal by proximity communication module reception, fiscard module generates according to the request of payment and pays message.
6. there is two-factor authentication method of mobile payment under mode card under the line described in claim 5, it is characterized in that, described fiscard module stores has financial card information, control module sends the payment comprising payment message generation instruction and asks to fiscard module, and the reception of fiscard module pays the payment message asking and being used for according to financial card information generation to pay.
7. having two-factor authentication method of mobile payment under mode card under the line described in claim 6, it is characterised in that described financial card information includes original marking and key, fiscard module generates according to original marking and key and pays message.
8. there is two-factor authentication method of mobile payment under mode card under the line described in claim 6, it is characterised in that described financial card information includes fiscard account information, fiscard effect duration information.
9. there is two-factor authentication method of mobile payment under mode card under the line described in claim 5, it is characterised in that described financial card paying device also includes paying message transmission antenna.
10. there is two-factor authentication method of mobile payment under mode card under the line described in claim 9, it is characterised in that described payment message transmission antenna includes magnetic field impulse transmitting antenna.
11. there is two-factor authentication method of mobile payment under mode card under the line described in claim 9, it is characterised in that described payment message transmission antenna includes NFC antenna.
12. have two-factor authentication method of mobile payment under mode card according under the arbitrary described line of Claims 1-4 or 6 to 11, it is characterised in that described financial card paying device is wearable device.
13. have two-factor authentication mobile-payment system under mode card under a line, it is characterised in that include mobile terminal and financial card paying device, wherein,
Described mobile terminal is used for, and is provided by the application program on the mobile terminal of mobile operator SIM and selects have card to exempt from close payment under line,
Sending, to conventional payment platform, the request of payment through mobile operator payment platform by mobile operator SIM, conventional payment land identification also preserves SIM identification code；
Described financial card paying device is used for, and receives the payment request that mobile terminal sends, and generates the payment message for paying according to the request of payment；
To pay message to send to POS terminal, and further, pay message and send to conventional payment platform through POS operator, conventional payment platform is compared paying the message SIM identification code with preservation,
If coupling, complete have card to conclude the business under this line, and transaction results is back to POS terminal through POS operator；Electronic transaction receipt is pushed to user by application program by conventional payment platform；
If not mating, conventional payment platform has refused have card to conclude the business under this line.
14. there is two-factor authentication mobile-payment system under mode card under the line described in claim 13, it is characterised in that described conventional payment platform includes Unionpay's payment platform and card sending mechanism payment platform.
15. there is two-factor authentication mobile-payment system under mode card under the line described in claim 13 or 14, it is characterized in that, described financial card paying device includes controlling module, proximity communication module and fiscard module, wherein, controlling module to be asked from the payment of mobile terminal by proximity communication module reception, fiscard module generates according to the request of payment and pays message.
16. there is two-factor authentication mobile-payment system under mode card under the line described in claim 15, it is characterized in that, described fiscard module stores has financial card information, control module sends the payment comprising payment message generation instruction and asks to fiscard module, and the reception of fiscard module pays the payment message asking and being used for according to financial card information generation to pay.
17. there is two-factor authentication mobile-payment system under mode card under the line described in claim 15, it is characterised in that described financial card paying device also includes paying message transmission antenna.
18. there is two-factor authentication mobile-payment system under mode card under the line described in claim 17, it is characterised in that described payment message transmission antenna includes magnetic field impulse transmitting antenna.
19. there is two-factor authentication mobile-payment system under mode card under the line described in claim 17, it is characterised in that described payment message transmission antenna includes NFC antenna.
20. have two-factor authentication mobile-payment system under mode card according under the arbitrary described line of claim 13 or 14 or 16 to 19, it is characterised in that described financial card paying device is wearable device.
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| CN201610172242.8A CN105787730A (en) | 2016-03-24 | 2016-03-24 | Two-factor authentication mobile payment method in offline card mode and system thereof |
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| CN201610172242.8A CN105787730A (en) | 2016-03-24 | 2016-03-24 | Two-factor authentication mobile payment method in offline card mode and system thereof |
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