CN105989469A - Security chip and sound carrier communication-based mobile payment device and payment method - Google Patents

Abstract

Disclosed are a security chip and sound carrier communication-based mobile payment device and a security chip and sound carrier communication-based payment method. Payment safety technique is solved by a cryptographic algorithm built in a security chip, and can support a public key infrastructure (PKI)-based strong authentication mechanism. The payment device is designed through a passive mode, a power taking and storing circuit is used inside in the payment device, and the payment device can work without using batteries and external power sources. A sound carrier communication and asymmetric communication structure optimization system is used, so that the payment device can access and use the security chip in three seconds after power taking and storing. According to the mobile phone payment device, user experience is enhanced, operation is simple, cost and the complexity of a system are reduced, and the performance and reliability of the system are improved. The payment device is suitable for application of security mobile payment on mobile terminals such as various mobile phones, PADs and the like.

Description

Based on safety chip and the Mobile phone payment device of sound carrier communication and method of payment

Technical field

The present invention relates on the mobile terminal such as mobile phone and PAD, realize payment device based on safety chip, be applied to mobile payment field.

Background technology

Mobile phone and the safety certification of wireless telecommunications mobile device and mobile payment market, may be several times as much as network security certification mechanism and Based PC pays market scale through assessment, decuples just as the sales volume of annual mobile phone as the sales volume of computer.The online demand such as mobile-payment system, mobile office will be possibly realized along with mobile phone transmission bandwidth and constantly promoting of speed.This imply that the arriving in the mobile service epoch with mobile phone, mobile device as carrier.

For network security, the safety of authentication is the core of whole network security.From government organs to financial institution or even the membership service of general business, it is required for security authentication mechanism to confirm identity and the transaction security of user.At internet arena, digital certificate, USB The solution of KEY is own through by ripe application and popularization.But never have an ideally solution in mobile field, also have no idea to realize cross-platform operation.It is known that security authentication mechanism based on smart card is maximally efficient, safety is the highest.

Web bank is the business that smart card industry is more ripe, and user need not arrive bank outlets, only just can need to be carried out by work nternet transferring accounts, the financial transaction such as inquiry.Web bank has provided the user trade mode fast and easily.Bank system of web uses based on public private key mechanism checking user identity.User must be the lawful owner of certification medium, and the digital signature of bank validation user is passed through, and this user is only the legitimate user of bank system of web.Along with the universal of mobile phone and the development of wireless network, along with the popularization of 3G, the speed bottle-neck of surfing Internet with cell phone oneself through not being problem.Being gone to bank by mobile phone debarkation net is a wide market opportunity.At present, domestic Unionpay cellphones payment transaction is own through opening 21 provinces and cities, and number of users breaks through 8,000,000, but current Mobile banking does not introduce the PK work payment technology of safety.Mobile phone shopping online is the space that another is wide, and the payment cafe user number that current people commonly use has 70,000,000, it is contemplated that the combination paying wallet and mobile phone in, mobile-phone payment equipment will be most important one and innovate technologies.According to the up-to-date address prediction of work MG, 2012, whole world mobile banking user will break through 800,000,000.All these all imply that a prospect the most wide.And the statistical data of iResearch Ai Rui consulting shows, China's payment third season in 2011 industry online payment business transaction scale reaches 619,700,000,000 yuan, increases by 130. on a year-on-year basis 7%, chain rate amplification reaches 34. 8%.

Mobile payment includes paying two kinds under on-line payment and line.On-line payment uses the communication channel that the operator such as mobile provides, and uses mobile-phone payment equipment to complete to transfer accounts, the business such as transaction payment.The business model that the ebanking services on the Internet is expanded to mobile terminal of mobile telephone can be regarded as.

And paying under line is that user uses mobile terminal of mobile telephone directly to pay on POS, general employing wireless short-distance communication pattern.Have at present under two kinds of lines and pay: one is 13. 56MHZ;Another one is 2. 4G . owing to paying the support of the banking system needing Unionpay to be representative under portable cord, and the accreditation that user uses, Unionpay's SD card is own through being clearly the main flow path paid under following line.

The infrastructure such as POS are built by the 2. 4GRF-S work M card schemes that middle mobile early stage is promoted mainly due to needs comprehensively, and radio frequency chip is to realize penetrating mobile phone metal shell to need stronger radio frequency (2. 4G, the safety caused cannot solve (radio-frequency information transmission far surpasses 10 centimeters), and oneself is through being discarded by substance.

Middle telecommunications needs to change S work M card attaching antenna with holding strange S work M-PASS scheme, cause mobile phone terminal to use inconvenience, and dismounting battery all will cause S work M card and the abrasion of antenna contact surface every time, but due to consistent with existing POS system frequency, compatible good, may still there is certain market.

The NFC scheme that CHINAUNICOM promotes mainly needs the embedded NFC module of mobile phone terminal, or outsourcing NFC patch card, and Consumer's Experience is the best.But due to good to infrastructure compatibility such as existing POS (frequency is consistent), see the most potential for a long time, at least can get certain market share.

] SD smart card techniques that China Unionpay promotes mainly, mobile payment function is built in SD card, it is not necessary to change mobile phone, and the upgrade cost of POS is low, and carried out by Unionpay, be currently reality the most, payment scheme under the portable cord that Consumer's Experience is best, oneself is through starting popularization and application at present.

Owing to different payment scheme relates to the leading problem of different interests side, 2. 4G schemes of middle movement include cash flow and clearing in backstage platform that middle movement is leading, suffer that Unionpay resists.The Favorable balance group being main by Unionpay due to existing payment infrastructure dominates, the opposition of Unionpay's system, and the business that UNICOM is in the 3G epoch increases oneself and moves in surmounting continuously, causes middle mobile payment scheme to be forced to SD card and turns to.

Unionpay advocates a kind of SD card and adds the pattern of NFC mobile phone, the Micro-SD card in mobile phone is mainly utilized to pay, the chip that SD card is implanted into is equivalent to the U-shield of online payment, remote payment can be carried out, and its bank card security information implanted, can carry out paying under line in-plant with POS by aiming at the NFC mobile phone communication of Unionpay's mobile payment design.But owing to the mobile terminal device supporting NFC is considerably less, therefore replicability is poor, and uses SD card on mobile terminals

Mode there is also following limitation.

(1) SD card mode requires that the terminal unit of user must support TF or SD slot, but some Products does not has above slot at present, iPhone and the iPad product that such as APPLE company produces does not supports slot.But iPhone and iPad user group is the hugest

(2) all mobile terminal devices all only one of which TF or SD slot, if after being taken by safe SD card, capacity is limited, user's unrestricted choice leeway is the least;Plug TF or SD card is very inconvenient besides, and a lot of equipment need to take off battery and complete this operation, poor user experience.

Summary of the invention

Technical problem solved by the invention is to provide a kind of based on safety chip and the Mobile phone payment device of sound carrier communication and method of payment;The innovation of this invention can be by 3. 5mm earphone jacks of mobile terminal device and accesses, and completes relevant payment transaction process.Due to 3. 5mm earphone jack is global standards, and all devices is all supported, therefore universality is fine;For paying under line, the present invention uses the mode of high-frequency sound carrier wave and on-the-spot swiping card equipment to interact, and completes off-line transaction process.

Technical problem solved by the invention realizes by the following technical solutions:

A kind of based on safety chip with the Mobile phone payment device of sound carrier communication, including:

(1) double interface: use USB and the double interface communications interface of audio frequency;

(2) passive electricity-fetching module: use audio frequency power taking scheme, by power taking and deposit electricity circuit collection audio signal on energy

Amount, and keep in, needed for meeting the computing that crypto-operation parts expend electric energy;

(3) sound carrier communication module: use audio coding scheme, carries out the transmission of work 507816 data;Order in work 507816 specification, with corresponding, is encoded by the software of mobile terminal and the firmware of payment device respectively, and modulates audio band, the other side be reduced into work 507816 data;

(4) asymmetric communication framework: make equipment can access in power taking with in depositing electricity latter 3 seconds and use safety chip;

C5) safety chip: support the SM1 algorithm of standard, SM2 algorithm and RSA Algorithm, supports the application of PK work;Private key and the certificate of user is stored, it is provided that strong identity authentication and payment based on public-key technology on safety chip.

A kind of based on safety chip with the method for payment of sound carrier communication, including

(1) on-line payment

1) Mobile phone payment device is inserted in the earpiece holes of mobile phone, and handset program is play data after FSK coding and pcm audio encode by playback program;

2) 3. 5mm quadrupole road headset plug is connected on the electricity induction end of power-supply circuit, obtains electricity by power-supply circuit;

3) power-supply circuit is connected on capacitance integral circuit, and the acoustical signal received is the signal through FSK coded treatment, and capacitance integral circuit transmits a signal to 16 single-chip microcomputers by electric capacity misfortune conjunction;

4) decoding of the program on single-chip microcomputer fsk signal, issues safety chip by work 507816 serial data;

5) safety chip sends data to single-chip microcomputer after treatment, is sent to mobile phone by work 0 port after single-chip microcomputer coding;

6) mobile phone receives voice data by recorded program, then is decoded, and restores data;

The when that user being authenticated by program on mobile phone and is paid, insert payment device to earphone, authentication data and payment transaction data can be transferred in payment device complete electronic signature, electronic signature and payment transaction information are sent to Third-party payment company by mobile Internet or bank verifies, it is verified, then completes payment transaction;

(2) pay under line

Downloading on mobile phone and install sound wave payment program, the POS of businessman can mount payment module by peripheral port, or directly uses Mobile phone payment device;Mobile-phone payment program plays out after data are carried out FSK coding and pcm encoder, is decoded and data convert after the payment module of businessman's end or equipment recording sound.

In paying under line, coded data being increased watermark signal, such receptor can contrast watermark and judge that signal is data or interference.

In paying under line, application layer also being realized communication errors control, data are done verification and compares, verifying unsuccessfully if occurring that on certain sound frequency the data of time-out send, then mobile phone terminal and businessman's end equipment frequency hopping simultaneously selects next frequency to carry out carrier communication.

Beneficial effect:

(1) integrated security chip

The payment device used in on-line payment uses the safety chip of Password Management office of country approval, supports the SM1 method of standard, SM2 algorithm and RSA Algorithm, supports the application of PK work.Private key and the certificate of user is stored, it is provided that strong identity authentication and payment based on public-key technology on safety chip.Payment technology based on safety chip can be to pay the safety guarantee providing strong, so Central Bank's regulation can be used for wholesale or non-limit degree pays and transferred account service at present;

(2) passive type payment device

The payment device used in on-line payment connects mobile terminal by earpiece holes.The design relying on specialty makes payment device without extra power supply, and relying solely on faint earphone electric current can normally use.This technology has not seen the most at home, does not the most see and can support that safety chip is accomplished without battery powered similar devices.Passive type payment device uses simply, reliability is high, Consumer's Experience is good;

(3) frequency-hopping carrier communication

Frequency-hopping carrier communication is used to complete the non-contact transaction of mobile phone and merchant payment device in paying under line.Use simple, convenient, reliability is high, can be widely used under line small amount payment transaction.

Accompanying drawing explanation

Fig. 1 is the schematic diagram of double interface.

Fig. 2 is the schematic diagram of passive electricity-fetching module.

Fig. 3 is the signal input schematic diagram of sound carrier communication.

Fig. 4 is the signal output principle figure of sound carrier communication.

Fig. 5 is the signal input schematic diagram of asymmetric communication framework.

Fig. 6 is the signal output principle figure of asymmetric communication framework.

Fig. 7 is the schematic diagram of payment device PCB.

Fig. 8 is the connection circuit diagram of LTC chip in payment device PCB.

Embodiment

It is easy to understand with effect to make the technological means of the present invention, creation characteristic, workflow, using method reach purpose, the present invention is further elucidated below.

A kind of based on safety chip with the Mobile phone payment device of sound carrier communication, including: double interface, passive electricity-fetching module, sound carrier communication module, asymmetric communication framework, safety chip.

(1) double interface

Payment device uses USB and the double interface communications interface of audio frequency, meets mobile device simultaneously and computer uses.As shown in Figure 1.

(2 passive electricity-fetching modules

Use audio frequency power taking scheme, by power taking with deposit the circuit of electricity and collect the faint energy in audio signal, and keep in, with meet crypto-operation parts consuming electric energy computing needed for.As shown in Figure 2.

( 3) sound carrier communication module

Use audio coding scheme, carry out the transmission of work 507816 data.Order in work 507816 specification, with corresponding, is encoded by the software of mobile terminal and the firmware of payment device respectively, and modulates audio band.It is reduced into work 507816 data by the other side.

As shown in Figure 3, Figure 4.

(4) asymmetric communication framework

Use and cost requirement according to electricity, design asymmetric communication framework.Electric energy spent by decoding demodulation is required far above modulation, so in order to save temporary electric energy, make audio frequency power taking can meet application, use the asymmetric communication framework shown in Fig. 5 and Fig. 6 so that equipment is in power taking and can access in depositing electric latter 3 seconds and use safety chip.

( 5) safety chip

The SM1 algorithm of support standard, SM2 algorithm and RSA Algorithm, support the application of PK work.Private key and the certificate of user is stored, it is provided that strong identity authentication and payment based on public-key technology on safety chip.

A kind of based on safety chip with the method for payment of sound carrier communication, include on-line payment and line including mobile payment

Lower payment.

1, on-line payment

On-line payment is exactly at present universal to pass through USB on PC The e-Bank payment that Key is carried out.It is to complete e-commerce initiative and electronic payment process by the Internet.And on-line payment flow process in mobile payment is similar with internet payment, the outlet of user to Third-party payment exempted dealers removes to open mobile payment service, obtains the virtual account of user, and the account opened an account in more banks of bundled user individual.User get mobile payment device and can on-the-spot application certificate and downloadable authentication in payment device, it is also possible to oneself online application and downloadable authentication.Enterprise customer is similar to.

Third-party payment exempted dealers registers the bank account of user, virtual account, digital certificate and mobile payment device unique electronic serial number in background system.

User accesses the payment transaction platform of Third-party payment company on mobile terminals by application program, carries out electronic commerce affair, including accounts information inquiry, transfer accounts remittance, credit card repayment, transaction payment etc..Pay and the safety of transaction is ensured by the safety chip in the mobile payment device of user.Its safe practice and principle and current Net silver USB Key is similar to.

The mobile payment device that mobile-payment system uses both may be used for mobile terminal, it is possible to is applied to PC by USB interface, it is provided that safety applications based on PK work, including data confidentiality, data integrity, authentication and non-repudiation.Mobile payment device completes key generation, certificate request, certificate download storage, data encrypting and deciphering and signature sign test etc..

On-line payment uses mobile payment device as the hardware guarantee paid.Integrated security chip in mobile payment device, uses based on digital certificate and the strong identity authentication of public and private key technical guarantee user and the electronic signature to payment transaction.At present, having and payment device is made SD or TF card specification be inserted on SD or the TF slot of mobile phone use, on mobile phone, application program can directly access safety chip and complete the signature of certification and payment, but this kind of application limitation is big, poor user experience.We use external mobile payment device equipment, by mobile terminal 3. 5mm earpiece holes communicates alternately.Owing to earpiece holes transmission electric current is the least, the most only have America and Europe and carry out the skinny device of magnetic card reading based on 3. 5mm earpiece holes.This equipment built-in miniature magnetic head, can sense bank card magnetic strip information, reads user bank card number, gets card number by handset program and pay.This application mode poor stability, cannot apply the most at home.

] the mobile payment device built-in security chip of present invention design, inside have employed power taking and the circuit of storage electric charge, gets final product power taking after plugging payment device in earpiece holes, typically completes to store electric charge work within the 3-4 second, and equipment can normally work.

As it is shown in fig. 7, the device of payment device PCB is constituted and operation principle is as follows:

1) payment device is inserted in the earpiece holes of mobile phone, and handset program is play data after FSK coding and pcm audio encode by playback program;

2) 3. 5mm quadrupole road headset plug is directly connected on the electricity induction end of power-supply circuit, obtains electricity by power-supply circuit;

3) power-supply circuit is connected on capacitance integral circuit, and the acoustical signal received is the signal through FSK coded treatment, and capacitance integral circuit transmits a signal to 16 single-chip microcomputers of low-power consumption by electric capacity misfortune conjunction;

4) decoding of the program on single-chip microcomputer fsk signal, issues safety chip by work 507816 serial data needed for safety chip;

5) safety chip sends data to single-chip microcomputer the most equally, is sent to mobile phone by work 0 port after single-chip microcomputer coding;

6) mobile phone receives voice data by recorded program, then is decoded, and restores data.

So user needs insertion payment device to earphone when of being authenticated by program on mobile phone and paid, authentication data and payment transaction data can be transferred in payment device complete electronic signature.Electronic signature and payment transaction information are sent to Third-party payment company by mobile Internet or bank verifies.It is verified, then completes payment transaction.

2, pay under line

The universal eruptive growth facilitating mobile Internet application of smart mobile phone, also brings the most wide application space to the short distance wireless communication technology.At present, main flow the short distance wireless communication technology mainly includes NFC and RF work D.Owing to these two technology all exist hard defects more or less when application, cause them all not have and obtain large-scale application in field of mobile terminals.

The present invention carries out data transmission by the way of sound carrier for paying under line, therefore, provides a kind of brand-new mobile payment mode " sound wave payment " for paying under line.Based on short-range acoustic communication technology, the intrinsic audio frequency of mobile terminal can be made full use of play and recording function, do not increasing and revising under hardware condition, can be at mobile terminal (such as mobile phone, PDA, PAD etc.), consumer electronics product, PC and smart control Tool Room carry out contactless Point-to-Point Data Transmission, it is achieved ten centimetres of interior data exchanges.System has near-zero cost, facilitates the features such as easy-to-use and quick.

In this link of payment processes, it is arranged on the POS during the payment terminal of businessman is similar to current bankcard consumption, or the payment module being arranged in POS.User downloads corresponding application programs and attaches it on mobile phone, run into and need to carry out (near field) payment under line with mobile phone, the scene that the most usually said " brush mobile phone " is consumed, payment information is inputted by businessman, payment terminal ejects " confirming to pay " interface, clicking on the induction region demonstrated in payment terminal by mobile phone after confirming, mobile phone sends and carries out information transmission between tiny sound and payment terminal;The prompting completed to be paid prints strip after ejecting, and transaction completes.

Pay under line and be relatively more suitable for small amount payment.Downloading on mobile phone and install sound wave payment program, the POS of businessman by peripheral port mounting payment module such as serial ports, or can directly use the special-purpose terminal payment devices of present invention research and development.Mobile-phone payment program plays out after equally data being carried out FSK coding and pcm encoder, is decoded and data convert after the payment module of businessman's end or equipment recording sound.Basic process is similar with on-line payment above, but due to by the carrier communication of sound, it is easy to it is interfered, causes data corruption.Analysis interference source has two kinds, and the first is background white noise, and this can be filtered by wave filter;The second is the background music on mobile phone, or the background voice etc. in environment, and the frequency spectrum of this interference may be similar with the frequency spectrum of data encoding, and being so sorry filters.In order to solve this problem, the present invention is to use coded data is increased extra watermark signal, and such receptor can contrast watermark and judge that signal is data or interference.Process except above, application layer also needs to realize communication errors control, compare by data are done verification, if occurring that on certain sound frequency the data of time-out send and verifying unsuccessfully, then mobile phone terminal and businessman's end equipment frequency hopping simultaneously selects next frequency to carry out carrier communication, so ensures carrier communication adaptability under complex environment by frequency hopping.

The ultimate principle of the present invention, principal character and advantages of the present invention have more than been shown and described.Skilled person will appreciate that of the industry; the present invention is not restricted to the described embodiments; the principle that the present invention is simply described described in above-described embodiment and description; the present invention also has various changes and modifications without departing from the spirit and scope of the present invention, and these changes and improvements both fall within scope of the claimed invention.

Claims (4)

1., based on safety chip and a Mobile phone payment device for sound carrier communication, it is characterized in that, including:

(1) double interface: use USB and the double interface communications interface of audio frequency;

(2) passive electricity-fetching module: use audio frequency power taking scheme, by power taking and deposit electricity circuit collection audio signal on energy

Amount, and keep in, needed for meeting the computing that crypto-operation parts expend electric energy;

(3) sound carrier communication module: use audio coding scheme, carry out I507816 data transmission;Order in I507816 specification, with corresponding, is encoded by the software of mobile terminal and the firmware of payment device respectively, and modulates audio band, the other side be reduced into I507816 data;

(4) asymmetric communication framework: make equipment can access in power taking with in depositing electricity latter 3 seconds and use safety chip;

(5) safety chip: support the SM1 algorithm of standard, SM2 algorithm and RSA Algorithm, supports PKI application;Private key and the certificate of user is stored, it is provided that strong identity authentication and payment based on public-key technology on safety chip.

2., based on safety chip and a method of payment for sound carrier communication, it is characterized in that, including

(1) on-line payment

1) Mobile phone payment device is inserted in the earpiece holes of mobile phone, and handset program is play data after FSK coding and pcm audio encode by playback program;

2) 3. 5mm quadrupole road headset plug is connected on the electricity induction end of power-supply circuit, obtains electricity by power-supply circuit;

3) power-supply circuit is connected on capacitance integral circuit, and the acoustical signal received is the signal through FSK coded treatment, and capacitance integral circuit transmits a signal to 16 single-chip microcomputers by electric capacity misfortune conjunction;

4) decoding of the program on single-chip microcomputer fsk signal, issues safety chip by I507816 serial data;

5) safety chip sends data to single-chip microcomputer after treatment, is sent to mobile phone by I0 port after single-chip microcomputer coding;

6) mobile phone receives voice data by recorded program, then is decoded, and restores data;

The when that user being authenticated by program on mobile phone and is paid, insert payment device to earphone, authentication data and payment transaction data can be transferred in payment device complete electronic signature, electronic signature and payment transaction information are sent to Third-party payment company by mobile Internet or bank verifies, it is verified, then completes payment transaction;

(2) pay under line

Downloading on mobile phone and install sound wave payment program, the POS of businessman can mount payment module by peripheral port, or directly uses Mobile phone payment device;Data are carried out by mobile-phone payment program Play out after FSK coding and pcm encoder, be decoded and data convert after the payment module of businessman's end or equipment recording sound.

The most according to claim 2 a kind of based on safety chip with the method for payment of sound carrier communication, it is characterized in that:

In paying under line, coded data being increased watermark signal, such receptor can contrast watermark and judge that signal is data or does

Disturb.

The most according to claim 2 a kind of based on safety chip with the method for payment of sound carrier communication, it is characterized in that:

In paying under line, application layer also being realized communication errors control, data are done verification and compares, verifying unsuccessfully if occurring that on certain sound frequency the data of time-out send, then mobile phone terminal and businessman's end equipment frequency hopping simultaneously selects next frequency to carry out carrier communication.