CN106228356A - A kind of use bracelet to substitute entity member card to carry out the method and device that pays - Google Patents
A kind of use bracelet to substitute entity member card to carry out the method and device that pays Download PDFInfo
- Publication number
- CN106228356A CN106228356A CN201610557046.2A CN201610557046A CN106228356A CN 106228356 A CN106228356 A CN 106228356A CN 201610557046 A CN201610557046 A CN 201610557046A CN 106228356 A CN106228356 A CN 106228356A
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- China
- Prior art keywords
- payment
- bracelet
- app
- member card
- mark
- Prior art date
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
-
- 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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
-
- 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
- G06Q20/327—Short range or proximity payments by means of M-devices
-
- 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
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
-
- 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 and a kind of use bracelet to substitute entity member card to carry out the method and device that pays, method comprises the steps: to be stuck in member bracelet and pays and binds on APP；APP backstage authenticates paying Tokenization request, it will the primary account number of member's card is sent to pay i-services device；Pay i-services device and generate payment mark, and do uniqueness binding with information of member card；Pay i-services device and be sent to bracelet to paying after mark is encrypted；User uses bracelet to carry out NFC payment near POS terminal；POS terminal reads and pays mark, and itself and payment cipher is assembled into the first transaction message and is sent to POS terminal backstage；Payment mark is sent to pay i-services device and authenticates by POS terminal backstage, finds out the information of member card of correspondence, filters out and is under the jurisdiction of the member card of current trade company number and pays, and payment result is returned to POS terminal.The present invention use more convenient, be not easy to lose.
Description
Technical field
The present invention relates to bracelet payment technical field, use bracelet to substitute the side that entity member card carries out paying particularly to a kind of
Method and device.
Background technology
Under normal circumstances, the preferential dynamics that the preferential dynamics that the member card issued due to businessman pays pays more than bank card
Much bigger, when people use member card to pay, it is required for using POS terminal or member card card reader to member card
It is written and read paying.But in some application scenario, user does not carry member card, and at this moment, these certain customers are nothings
Method uses member card to carry out paying, and pays only in traditional means of payment；If user has multiple cards
In the case of, the needing from multiple cards when carrying and pay of its card picks out card to be used, and also limit meeting
The application of member's card, this is inconvenient to use for a user, and multiple cards are also easily lost.
Summary of the invention
The technical problem to be solved in the present invention is, for the above-mentioned of prior art in-convenience in use, be easily lost lack
Fall into, it is provided that a kind of use the bracelet that uses more convenient, that be not easy to lose to substitute method and dress that entity member card carries out paying
Put.
The technical solution adopted for the present invention to solve the technical problems is: structure one uses bracelet to substitute entity member card
The method carrying out paying, comprises the steps:
A) after user installs bracelet payment APP, and register account number on its mobile terminal, by its member card at described bracelet
Pay and bind on APP；
B) described bracelet pays APP and submits the Tokenization request of payment to APP backstage to, and described APP backstage pays mark to described
After willization request authenticates, it is sent to the primary account number of described member card pay i-services device；
C) described payment i-services device generates and pays mark, and with information of member card, the described mark that pays is done uniqueness
Binding；Described information of member card includes primary account number, cell-phone number, address, member's grade and integration information；
D) described payment mark is encrypted and obtains adding confidential information by described payment i-services device, and will add confidential information and lead to
Crossing described APP backstage and be sent to described bracelet payment APP, described bracelet pays APP and the described confidential information that adds is passed through wireless data
Transport module is sent to bracelet；
E) when described user uses described member card to pay, trade company selects member card to pay also in its POS terminal
Input payment, described user uses described bracelet to carry out NFC payment near described POS terminal；
F) the payment mark during described POS terminal reads described bracelet, described user inputs described in described POS terminal
The payment cipher of member card, the described mark that pays is assembled into the first transaction message with payment cipher and sends by described POS terminal
To POS terminal backstage；
G) described POS terminal backstage extracts described payment mark from described first transaction message, and by described payment
Mark is sent to described payment i-services device and authenticates, described payment i-services device find out and pay mark with described
Corresponding information of member card, is filtered out the member card being under the jurisdiction of current trade company number, and will filter out by POS terminal trade company number
The card number of member card return to described POS terminal backstage, described POS terminal backstage is by the card number of the described member card filtered out
It is assembled into the second transaction message with payment cipher, and sends it to member card server and pay, described member card service
Payment result is returned to described POS terminal by device.
Substitute entity member card at use bracelet of the present invention and carry out in the method paid, described step A) further
Including:
A1) information of member card of described user is stored in advance on described APP backstage；
A2) described user installs bracelet on its mobile terminal and pays APP, and uses cell-phone number register account number；
A3) when described with after described cell-phone number login described bracelet payment APP, in described bracelet pays APP, input is wanted
Member's card number of binding, it will member is stuck on described bracelet payment APP and binds.
Substitute entity member card at use bracelet of the present invention and carry out in the method paid, described step C) further
Including:
C1) described payment i-services device is according to SHA1 function, and with time point as dispersion factor, stochastic generation never repeats
The payment mark of 13～19 figure place word strings；
C2) the described mark that pays is done uniqueness binding with described information of member card by described payment i-services device.
Substituting entity member card at use bracelet of the present invention and carry out in the method paid, described bracelet is built-in with peace
Full chip, described step D) farther include:
D1) described bracelet pays APP and sends the order generating RSA key to described safety chip, and described safety chip is received
After the order of described generation RSA key, generate RSA private key and RSA PKI；
D2) being saved in described safety chip by described RSA private key, described RSA PKI is passed through nothing by described safety chip
Line data transmission module is sent to described bracelet and pays APP, and described bracelet pays APP by described RSA PKI by after described APP
Platform is sent to described payment i-services device；
D3) described payment i-services device generates transmission key, is encrypted described transmission key by described RSA PKI
After, pass sequentially through described APP backstage and bracelet pays APP and is sent to described safety chip；
D4) described transmission key is carried out disperseing encryption to obtain session key by described payment i-services device, and uses institute
State and pass sequentially through described APP backstage and bracelet after described payment mark is encrypted by session key and pay APP and be sent to described
Safety chip, after the transmission key of storage in bracelet is carried out disperseing encryption to obtain session key by described safety chip, utilizes institute
Payment mark after encryption is decrypted by the session key stated in safety chip.
Substitute entity member card at use bracelet of the present invention and carry out in the method paid, described wireless data transmission
Module is bluetooth module, wifi module, Zigbee module or GPRS module.
The invention still further relates to a kind of above-mentioned use bracelet replacement entity member card that realizes and carry out the device of the method paid, its
It is characterised by, including:
Registration binding unit: after being used for making user install bracelet payment APP, and register account number on its mobile terminal, will
Its member card pays at described bracelet and binds on APP；
Request sends authenticating unit: is used for making described bracelet pay APP and submits the Tokenization request of payment, institute to APP backstage to
State after the request Tokenization to described payment of APP backstage authenticate, be sent to the primary account number of described member card pay the uniform of a specific trade
Business device；
Mark generates binding unit: is used for making described payment i-services device generate and pays mark, and pays mark by described
Will and information of member card do uniqueness binding；Described information of member card includes primary account number, cell-phone number, address, member's grade and amasss
Divide information；
Encryption transmitting element: be used for making described payment i-services device that described payment mark to be encrypted and obtain adding secret letter
Breath, and will add confidential information by described APP backstage be sent to described bracelet payment APP, described bracelet payment APP by described encryption
Information is sent to bracelet by wireless data transfer module；
NFC payment unit: for when described user uses described member card to pay, trade company selects in its POS terminal
Selecting member card and pay and input payment, described user uses described bracelet to carry out NFC payment near described POS terminal；
Mark password module units: for making described POS terminal read the payment mark in described bracelet, described user exists
Inputting the payment cipher of described member card in described POS terminal, described POS terminal pays mark and payment cipher assembling by described
Become the first transaction message and be sent to POS terminal backstage；
Payment unit: be used for making described POS terminal backstage extract described payment from described first transaction message and indicate,
And described payment mark be sent to described payment i-services device authenticate, by described payment i-services device find out with
The described information of member card paid corresponding to mark, filters out the member being under the jurisdiction of current trade company number by POS terminal trade company number
Card, and the card number of the member card filtered out is returned to described POS terminal backstage, described POS terminal backstage filters out described
The card number of member card and payment cipher be assembled into the second transaction message, and send it to member card server and pay,
Payment result is returned to described POS terminal by described member card server.
Realize in the device that above-mentioned use bracelet substitutes the method that entity member card carries out paying of the present invention, institute
State registration binding unit to farther include:
Memory module: for the information of member card of described user being stored in advance in described APP backstage；
APP installs module: is used for making described user install bracelet on its mobile terminal and pays APP, and uses cell-phone number
Register account number；
Member card binding module: be used for after described described cell-phone number logs in described bracelet payment APP, at described bracelet
Pay and APP inputs member's card number to be bound, it will member is stuck on described bracelet payment APP and binds.
Realize in the device that above-mentioned use bracelet substitutes the method that entity member card carries out paying of the present invention, institute
State mark generation binding unit to farther include:
Mark generation module: be used for making described payment i-services device according to SHA1 function, with time point as dispersion factor,
The payment mark of stochastic generation the most unduplicated 13～19 figure place word string；
Binding module: be used for making described payment i-services device be done uniquely with described information of member card by the described mark that pays
Property binding.
Realize in the device that above-mentioned use bracelet substitutes the method that entity member card carries out paying of the present invention, institute
Stating bracelet and be built-in with safety chip, described encryption transmitting element farther includes:
Order sending module: send the life of generation RSA key to described safety chip for making described bracelet pay APP
Order, after described safety chip receives the order of described generation RSA key, generates RSA private key and RSA PKI；
Key preserves sending module: be used for making to be saved in described safety chip described RSA private key, described safety chip
By wireless data transfer module, described RSA PKI being sent to described bracelet and pays APP, described bracelet pays APP by described
RSA PKI is sent to described payment i-services device by described APP backstage；
Transmission cipher key encryption block: be used for making described payment i-services device generate transmission key, by described RSA PKI
After described transmission key is encrypted, pass sequentially through described APP backstage and bracelet pays APP and is sent to described safety chip；
Encryption/decryption module: be used for making payment i-services device that described transmission key to carry out disperse encryption to obtain session close
Key, and use described session key after described payment mark is encrypted, to pass sequentially through described APP backstage and bracelet payment APP
Being sent to described safety chip, the transmission key of storage in bracelet is carried out disperseing encryption to obtain session key by described safety chip
After, utilize the session key in described safety chip that the payment mark after encryption is decrypted.
Realize in the device that above-mentioned use bracelet substitutes the method that entity member card carries out paying of the present invention, institute
Stating wireless data transfer module is bluetooth module, wifi module, Zigbee module or GPRS module.
Implement the present invention use bracelet to substitute entity member card to carry out the method that pays, have the advantages that by
In by generating payment mark, being bound with information of member card by payment mark, when using bracelet to pay, POS is eventually
End can read the payment mark in bracelet, and then find the member card of correspondence by paying i-services device and pay, this
Sample also can pay with the identity of member when user does not carries member card, thus its use is more convenient, be not easy to lose.
Accompanying drawing explanation
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
In having technology to describe, the required accompanying drawing used is briefly described, it should be apparent that, the accompanying drawing in describing below is only this
Some embodiments of invention, for those of ordinary skill in the art, on the premise of not paying creative work, also may be used
To obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is that the present invention uses bracelet replacement entity member card to carry out method in one embodiment of method and device paid
Flow chart；
Fig. 2 is that in described embodiment, user installs bracelet on its mobile terminal and pays after APP, and register account number, by it
Member card pays the particular flow sheet carrying out binding on APP at bracelet；
Fig. 3 is to pay i-services device in described embodiment to generate payment mark, and by payment mark and information of member card
Do the particular flow sheet of uniqueness binding；
Fig. 4 is to pay i-services device in described embodiment to be encrypted and be sent to specifically flowing of bracelet to paying mark
Cheng Tu；
Fig. 5 is the structural representation of device in described embodiment.
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 carried out clear, complete
Describe, it is clear that described embodiment is only a part of embodiment of the present invention rather than whole embodiments wholely.Based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under not making creative work premise
Embodiment, broadly falls into the scope of protection of the invention.
Using bracelet to substitute entity member card in the present invention and carry out in the method and device embodiment paid, it uses bracelet
Substitute the flow chart of the method that entity member card carries out paying as shown in Figure 1.In Fig. 1, this use bracelet substitutes entity member card
The method carrying out paying comprises the steps:
After step S01 user installs bracelet payment APP, and register account number on its mobile terminal, by its member card at hands
Ring pays and binds on APP: in this step, after user installs bracelet payment APP, and register account number on its mobile terminal,
Its member card is paid at bracelet and binds on APP.It is noted that in the present embodiment, mobile terminal can be mobile phone,
Panel computer, notebook or PDA etc..
Step S02 bracelet pays APP and submits the Tokenization request of payment to APP backstage to, and APP backstage is to paying Tokenization request
After authenticating, it will the primary account number of member's card is sent to pay i-services device: in this step, after the binding, and bracelet pays
APP submits to APP backstage and pays Tokenization request, and the request Tokenization to this payment of APP backstage authenticates, and authenticates by rear,
It is sent to the primary account number of member card pay i-services device.
Step S03 pays i-services device and generates payment mark, and payment indicating, doing uniqueness with information of member card ties up
Fixed: in this step, pay i-services device and generate payment mark, and the payment mark of generation and information of member card are done uniqueness
Binding.It is noted that information of member card includes primary account number, cell-phone number, address, member's grade and integration information etc..
Step S04 pays i-services device and is encrypted obtains adding confidential information to paying mark, and will add confidential information and pass through
APP backstage is sent to bracelet and pays APP, and bracelet pays APP and will add confidential information and be sent to bracelet by wireless data transfer module:
In this step, payment mark is encrypted and obtains adding confidential information by payment i-services device, and will add confidential information by APP backstage
It is sent to bracelet and pays APP, bracelet payment APP will add confidential information and be sent to bracelet by wireless data transfer module.It is worth
One is mentioned that, in the present embodiment, wireless data transfer module can be bluetooth module, wifi module, Zigbee module or GPRS
Module etc..
Step S05 is when user uses member card to pay, and trade company selects member card to pay and input in its POS terminal
Payment, user uses bracelet to carry out NFC payment near POS terminal: in this step, when user uses member card to pay
Time, trade company selects member card to pay and input payment in its POS terminal, and user uses the bracelet containing paying mark close
POS terminal carries out NFC payment.
Step S06POS terminal reads the payment mark in bracelet, and the payment that user inputs member card in POS terminal is close
Code, payment mark and payment cipher are assembled into the first transaction message and are sent to POS terminal backstage by POS terminal: in this step,
POS terminal reads the payment mark in bracelet, and user inputs the payment cipher of member card, POS belonging to this trade company in POS terminal
Payment mark and payment cipher are assembled into the first transaction message and are sent to POS terminal backstage by terminal.
Step S07POS terminal backstage extracts payment mark from the first transaction message, and is sent to payment mark prop up
Pay i-services device to authenticate, found out and pay the information of member card corresponding to mark by paying i-services device, pass through
POS terminal trade company number filters out the member card being under the jurisdiction of current trade company number, and the card number of the member card filtered out is returned to POS
Terminal backstage, card number and the payment cipher of the member card filtered out are assembled into the second transaction message by POS terminal backstage, and by it
Being sent to member card server pay, payment result is returned to POS terminal by member card server: in this step, and POS is eventually
End backstage extract from the first transaction message payment mark, and payments mark is sent to payment i-services device reflect
Power, is found out and pays the information of member card corresponding to mark by paying i-services device, and by POS terminal, trade company number filters out
Being under the jurisdiction of the member card that current trade company number is affiliated, and the card number of the member card filtered out returns to POS terminal backstage, POS is eventually
Card number and the payment cipher of the member card filtered out are assembled into the second transaction message by end backstage, and the second transaction message are sent
Paying to member's card server, payment result is returned to POS terminal by member card server.
The bracelet replacement entity member card that uses at the present embodiment carries out in the method paid, due to by generating payment mark
Will, binds payment mark with information of member card, and when using bracelet to pay, POS terminal can read in bracelet
Pay mark, and then find the member card of correspondence by paying i-services device and pay, so do not carry meeting as user
Also can pay with the identity of member during member's card, thus its use is more convenient, be not easy to lose.
For the present embodiment, above-mentioned steps S01 also can refine further, and the flow chart after its refinement is as shown in Figure 2.
In Fig. 2, above-mentioned steps S01 farther includes:
The information of member card of user is stored in advance on APP backstage by step S11: in this step, by the member card of user
Information is stored in advance on APP backstage.
Step S12 user installs bracelet on its mobile terminal and pays APP, and uses cell-phone number register account number: this step
In, user installs bracelet on its mobile terminal and pays APP, and uses cell-phone number register account number.
Step S13, after log in bracelet payment APP with cell-phone number, inputs member card to be bound in bracelet pays APP
Number, it will member is stuck on bracelet payment APP and binds: in this step, after log in bracelet payment APP with cell-phone number, at hands
Ring pays and inputs member's card number to be bound in APP, it is possible to member is stuck on bracelet payment APP and binds.After binding,
It is easy to follow-up use bracelet pay.
For the present embodiment, above-mentioned steps S03 also can refine further, and the flow chart after its refinement is as shown in Figure 3.
In Fig. 3, above-mentioned steps S03 farther includes following steps:
Step S31 payment i-services device is according to SHA1 function, and with time point as dispersion factor, stochastic generation never repeats
The payment mark of 13～19 figure place word strings: in this step, pay i-services device according to SHA1 function, with time point for dispersion
The factor, the payment mark of stochastic generation the most unduplicated 13～19 figure place word string.
Step S32 pays i-services device and payment mark and information of member card is done uniqueness binding: in this step, pays
Payment mark and information of member card are done uniqueness binding by i-services device, are the most unduplicated owing to paying mark, namely
Each payment mark is unique, and when itself and information of member card being bound, this binding is also uniqueness binding.So can increase
Add the safety of information transmission.
In the present embodiment, for mark safety of links operating in payment process of guaranteeing payment, pay mark
Secondary key system is used to be managed.First by paying i-services device generation transmission key, and secret writing is added by RSA key
Enter bracelet, with dispersion factor, transmission key is carried out dispersion encryption, obtained session key.Session key is again to paying mark
It is encrypted in plain text, forms ciphertext.The management of whole key is all placed on payment i-services device end, it is ensured that the safety of key.
It is the most also the particular flow sheet that above-mentioned steps S04 refines further that its concrete flow process asks for an interview Fig. 4, Fig. 4.
In Fig. 4, the progressive step of above-mentioned steps S04 comprises the steps:
Step S41 bracelet pays APP and sends the order generating RSA key to safety chip, and safety chip receives generation RSA
After the order of key, generate RSA private key and RSA PKI: in the present embodiment, bracelet is built-in with safety chip (i.e. SE chip), this
In step, after payment mark generates successfully, bracelet pays APP and sends the order generating RSA key, safe core to safety chip
After sheet receives the order of this generation RSA key, become RSA private key and RSA PKI.
RSA private key is saved in safety chip by step S42, and RSA PKI is passed through wireless data transmission mould by safety chip
Block be sent to bracelet pay APP, bracelet pay APP by RSA PKI by APP backstage be sent to payment i-services device: this step
In Zhou, being saved in safety chip by RSA private key, RSA PKI is transmitted in one's hands by safety chip by wireless data transfer module
Ring pays APP, and bracelet pays APP and is sent to pay i-services device by APP backstage by RSA PKI.
Step S43 pays i-services device and generates transmission key, after being encrypted transmission key by RSA PKI, leads to successively
Cross APP backstage and bracelet pays APP and is sent to safety chip: in this step, pay i-services device and generate transmission key, pass through
After RSA PKI is to transmission key encryption, it is sent to bracelet by APP backstage and pays APP, then paid APP by bracelet and pass through nothing
Line data transmission module is sent to safety chip.
Step S44 pays i-services device and carries out disperseing encryption to obtain session key to transmission key, and uses session close
Key passes sequentially through APP backstage after being encrypted payment mark and bracelet pays APP and is sent to safety chip, safety chip opponent
After in ring, the transmission key of storage carries out disperseing encryption to obtain session key, after utilizing the session key in safety chip to encryption
Payment mark be decrypted: in this step, pay i-services device to transmission key carry out disperse encryption obtain session key,
And use this session key to pass sequentially through APP backstage and bracelet after mark is encrypted and pay APP to paying and be sent to safe core
Sheet, after the transmission key of storage in bracelet is carried out disperseing encryption to obtain session key by safety chip, utilizes in safety chip
Payment mark after encryption is decrypted by session key.
It is noted that after in safety chip uses bracelet, the session key of storage is to information encryption to be sent,
After being ultimately routed to pay i-services device, pay i-services device and encrypt to attend the meeting by dispersion to its transmission key stored
Words key, and utilize this session key to be decrypted the payment mark of encryption, pays i-services device it is seen that in plain text, its
What his place was seen is all ciphertext.
Pay i-services device to carry out disperseing encryption to obtain session key to transmission key, and use described session key pair
Described payment mark passes sequentially through described APP backstage after being encrypted and bracelet pays APP and is sent to described safety chip, described
After the transmission key of storage in bracelet is carried out disperseing encryption to obtain session key by safety chip, utilize in described safety chip
Payment mark after encryption is decrypted by session key.
The present embodiment further relates to a kind of above-mentioned use bracelet replacement entity member card that realizes and carries out the device of the method paid,
Its structural representation is as shown in Figure 5.In Fig. 5, this device includes registering binding unit 1, request sends authenticating unit 2, mark is raw
Become binding unit 3, encryption transmitting element 4, NFC payment unit 5, mark password module units 6 and payment unit 7；Wherein, registration
After binding unit 1 is used for making user install bracelet payment APP, and register account number on its mobile terminal, by its member card in institute
State and bind on bracelet payment APP；Request sends authenticating unit 2 and is used for making bracelet pay APP to APP backstage submission payment mark
Willization is asked, after the Tokenization request of payment is authenticated by APP backstage, it will the primary account number of member's card is sent to pay i-services
Device；Mark generates binding unit 3 and is used for making payment i-services device generate payment mark, and by payment mark and information of member card
Do uniqueness binding；Information of member card includes primary account number, cell-phone number, address, member's grade and integration information；Encryption transmitting element
4 are used for making payment i-services device to be encrypted and obtains adding confidential information paying mark, and will add confidential information and be sent out by APP backstage
Deliver to bracelet payment APP, bracelet payment APP to add confidential information and be sent to bracelet by wireless data transfer module.It is worth mentioning
, in the present embodiment, wireless data transfer module can be bluetooth module, wifi module, Zigbee module or GPRS module
Etc..
In the present embodiment, NFC payment unit 5 is for when user uses member card to pay, and trade company is in its POS terminal
Selecting member card to pay and input payment, user uses bracelet to carry out NFC payment near POS terminal；Mark password assembles
Unit 6 is for making POS terminal read the payment mark in bracelet, and user inputs the payment cipher of member card in POS terminal,
Payment mark and payment cipher are assembled into the first transaction message and are sent to POS terminal backstage by POS terminal；Payment unit 7 is used
In making POS terminal backstage extract payment mark from the first transaction message, and it is sent to payment mark pay i-services
Device authenticates, and is found out and pay the information of member card corresponding to mark, by POS terminal trade company by paying i-services device
Number filter out the member card being under the jurisdiction of current trade company number, and the card number of the member card filtered out returned to POS terminal backstage,
Card number and the payment cipher of the member card filtered out are assembled into the second transaction message by POS terminal backstage, and are sent to attend the meeting
Member's card server pays, and payment result is returned to POS terminal by member card server.
In the device of the present embodiment, owing to by generating payment mark, payment mark being tied up with information of member card
Fixed, when using bracelet to pay, POS terminal can read the payment mark in bracelet, and then by paying i-services device
Find the member card of correspondence and pay, so also can pay with the identity of member when user does not carries member card,
So its use is more convenient, be not easy to lose.
In the present embodiment, registration binding unit 1 farther includes memory module 11, APP installs module 12 and member card is tied up
Cover half block 13；Wherein, memory module 11 is for being stored in advance in APP backstage by the information of member card of user；APP installs module
12 are used for making user install bracelet on its mobile terminal pays APP, and uses cell-phone number register account number；Member card binding module
13 for, after log in bracelet payment APP with cell-phone number, inputting member's card number to be bound, it will member in bracelet pays APP
It is stuck on bracelet payment APP and binds.
In the present embodiment, mark generates binding unit 3 and farther includes to indicate generation module 31 and binding module 32, its
In, mark generation module 31 is used for making payment i-services device according to SHA1 function, with time point as dispersion factor, stochastic generation
The payment mark of the most unduplicated 13～19 figure place word strings；Binding module 32 be used for making payment i-services device by payment mark and
Information of member card does uniqueness binding.
In the present embodiment, bracelet is built-in with safety chip, encryption transmitting element 4 farther include order sending module 41,
Key preserves sending module 42, transmission cipher key encryption block 43 and encryption/decryption module 44；Wherein, order sending module 41 is used for making
Described bracelet pays APP and sends the order generating RSA key to safety chip, and safety chip receives the order generating RSA key
After, generate RSA private key and RSA PKI；Key preserves sending module 42 and is used for making to be saved in safety chip RSA private key, peace
RSA PKI is sent to bracelet by wireless data transfer module and pays APP by full chip, and bracelet pays APP to be passed through RSA PKI
APP backstage is sent to pay i-services device；It is close that transmission cipher key encryption block 43 is used for making payment i-services device generate transmission
Key, after being encrypted transmission key by RSA PKI, is passed sequentially through APP backstage and bracelet pays APP and is sent to safety chip；Add
Deciphering module 44 is used for making payment i-services device carry out disperseing encryption to obtain session key to transmission key, and uses session close
Key passes sequentially through APP backstage after being encrypted payment mark and bracelet pays APP and is sent to safety chip, safety chip opponent
After in ring, the transmission key of storage carries out disperseing encryption to obtain session key, after utilizing the session key in safety chip to encryption
Payment mark be decrypted.
In a word, in the present embodiment, after paying the primary account number generation indicated according to member card, payment is indicated as meeting
The substitution value of the primary account number of member's card, and circulate at the links paid so that in payment flow, unique primary account number
Only paying i-services device, transmitting between APP backstage and POS terminal backstage, due to three's private line access and mutual trust each other, and
When paying mark and being detected risk or expire, substitute again generating new payment mark, thus payment is greatly reduced
During primary account number leakage probability, drastically increase the safety of primary account number.And paid and POS by bracelet near field
The terminal backstage automatic screening to member card, the payment being greatly improved user is experienced.
The foregoing is only presently preferred embodiments of the present invention, not in order to limit the present invention, all essences in the present invention
Within god and principle, any modification, equivalent substitution and improvement etc. made, should be included within the scope of the present invention.
Claims (10)
1. one kind uses bracelet to substitute the method that entity member card carries out paying, it is characterised in that comprise the steps:
A), after user installs bracelet payment APP, and register account number on its mobile terminal, its member card is paid at described bracelet
Bind on APP；
B) described bracelet pays APP and submits the Tokenization request of payment to APP backstage to, and described APP backstage is Tokenization to described payment
After request authenticates, it is sent to the primary account number of described member card pay i-services device；
C) described payment i-services device generates and pays mark, and described payment being indicated, doing uniqueness with information of member card ties up
Fixed；Described information of member card includes primary account number, cell-phone number, address, member's grade and integration information；
D) described payment mark is encrypted and obtains adding confidential information by described payment i-services device, and will add confidential information and pass through institute
Stating APP backstage and be sent to described bracelet payment APP, described bracelet pays APP and the described confidential information that adds is passed through wireless data transmission
Module is sent to bracelet；
E) when described user uses described member card to pay, trade company selects member card to pay and input in its POS terminal
Payment, described user uses described bracelet to carry out NFC payment near described POS terminal；
F) the payment mark during described POS terminal reads described bracelet, described user inputs described member in described POS terminal
The payment cipher of card, the described mark that pays is assembled into the first transaction message with payment cipher and is sent to POS by described POS terminal
Terminal backstage；
G) described POS terminal backstage extracts the described mark that pays from described first transaction message, and pays mark by described
It is sent to described payment i-services device authenticate, described payment i-services device finds out and indicate that institute is right with described payment
The information of member card answered, filters out the member card being under the jurisdiction of current trade company number, and the meeting that will filter out by POS terminal trade company number
The card number of member's card returns to described POS terminal backstage, and described POS terminal backstage is by the card number of the described member card filtered out and props up
Paying cipher code set and dress up the second transaction message, and send it to member card server and pay, described member card server will
Payment result returns to described POS terminal.
Use bracelet the most according to claim 1 substitutes the method that entity member card carries out paying, it is characterised in that described
Step A) farther include:
A1) information of member card of described user is stored in advance on described APP backstage；
A2) described user installs bracelet on its mobile terminal and pays APP, and uses cell-phone number register account number；
A3) when described with after described cell-phone number login described bracelet payment APP, input and to bind in described bracelet pays APP
Member's card number, it will member is stuck in described bracelet and pays on APP and bind.
Use bracelet the most according to claim 1 and 2 substitutes the method that entity member card carries out paying, it is characterised in that
Described step C) farther include:
C1) described payment i-services device is according to SHA1 function, with time point as dispersion factor, and stochastic generation the most unduplicated 13
～19 payment marks of figure place word string；
C2) the described mark that pays is done uniqueness binding with described information of member card by described payment i-services device.
Use bracelet the most according to claim 3 substitutes the method that entity member card carries out paying, it is characterised in that described
Bracelet is built-in with safety chip, described step D) farther include:
D1) described bracelet pays APP and sends the order generating RSA key to described safety chip, and described safety chip receives institute
After stating the order of generation RSA key, generate RSA private key and RSA PKI；
D2) being saved in described safety chip by described RSA private key, described RSA PKI is passed through wireless number by described safety chip
Being sent to described bracelet according to transport module and pay APP, described bracelet is paid APP and is passed by described APP backstage by described RSA PKI
Deliver to described payment i-services device；
D3) described payment i-services device generates transmission key, after being encrypted described transmission key by described RSA PKI, depends on
Secondary pay APP by described APP backstage and bracelet and be sent to described safety chip；
D4) described transmission key is carried out disperseing encryption to obtain session key by described payment i-services device, and uses described meeting
Payment mark described in words double secret key passes sequentially through described APP backstage after being encrypted and bracelet pays APP and is sent to described safety
Chip, after the transmission key of storage in bracelet is carried out disperseing encryption to obtain session key by described safety chip, utilizes described peace
Payment mark after encryption is decrypted by the session key in full chip.
Use bracelet the most according to claim 4 substitutes the method that entity member card carries out paying, it is characterised in that described
Wireless data transfer module is bluetooth module, wifi module, Zigbee module or GPRS module.
6. realize the device using bracelet replacement entity member card to carry out the method paid as claimed in claim 1, its
It is characterised by, including:
Registration binding unit: after being used for making user install bracelet payment APP, and register account number on its mobile terminal, by its meeting
Member is stuck on described bracelet payment APP and binds；
Request sends authenticating unit: is used for making described bracelet pay APP and submits the Tokenization request of payment, described APP to APP backstage to
After backstage request Tokenization to described payment authenticates, it is sent to the primary account number of described member card pay i-services device；
Mark generates binding unit: is used for making described payment i-services device to generate and pays mark, and by described pay mark with
Information of member card does uniqueness binding；Described information of member card includes primary account number, cell-phone number, address, member's grade and integration letter
Breath；
Encryption transmitting element: be used for making described payment i-services device that described payment mark to be encrypted and obtain adding confidential information,
And will add confidential information by described APP backstage be sent to described bracelet pay APP, described bracelet pay APP add secret letter by described
Breath is sent to bracelet by wireless data transfer module；
NFC payment unit: for when described user uses described member card to pay, trade company selects meeting in its POS terminal
Member's card pays and inputs payment, and described user uses described bracelet to carry out NFC payment near described POS terminal；
Mark password module units: for making described POS terminal read the payment mark in described bracelet, described user is described
Inputting the payment cipher of described member card in POS terminal, described POS terminal pays mark and payment cipher is assembled into the by described
One transaction message is also sent to POS terminal backstage；
Payment unit: be used for making described POS terminal backstage extract the described mark that pays from described first transaction message, and will
Described payment mark is sent to described payment i-services device and authenticates, described payment i-services device find out with described
Pay the information of member card corresponding to mark, filtered out the member card being under the jurisdiction of current trade company number by POS terminal trade company number, and
The card number of the member card filtered out returns to described POS terminal backstage, and described POS terminal backstage is by the described member filtered out
Card number and the payment cipher of card are assembled into the second transaction message, and send it to member card server and pay, described meeting
Payment result is returned to described POS terminal by member's card server.
Realization the most according to claim 6 uses bracelet to substitute entity member card as claimed in claim 1 and pays
The device of method, it is characterised in that described registration binding unit farther includes:
Memory module: for the information of member card of described user being stored in advance in described APP backstage；
APP installs module: is used for making described user install bracelet on its mobile terminal and pays APP, and uses cell-phone number to register
Account；
Member card binding module: be used for, after described described cell-phone number logs in described bracelet payment APP, paying at described bracelet
APP inputs member's card number to be bound, it will member is stuck on described bracelet payment APP and binds.
8. use bracelet to substitute entity member card as claimed in claim 1 according to the realization described in claim 6 or 7 to carry out propping up
The device of the method paid, it is characterised in that described mark generates binding unit and farther includes:
Mark generation module: be used for making described payment i-services device according to SHA1 function, with time point as dispersion factor, at random
Generate the payment mark of the most unduplicated 13～19 figure place word strings；
Binding module: be used for making described payment i-services device that described payment being indicated, doing uniqueness with described information of member card ties up
Fixed.
Realization the most according to claim 8 uses bracelet to substitute entity member card as claimed in claim 1 and pays
The device of method, it is characterised in that described bracelet is built-in with safety chip, and described encryption transmitting element farther includes:
Order sending module: send the order of generation RSA key, institute to described safety chip for making described bracelet pay APP
After stating the order that safety chip receives described generation RSA key, generate RSA private key and RSA PKI；
Key preserves sending module: being used for making to be saved in described safety chip described RSA private key, described safety chip is by institute
Stating RSA PKI and be sent to described bracelet payment APP by wireless data transfer module, described bracelet pays APP, and described RSA is public
Key is sent to described payment i-services device by described APP backstage；
Transmission cipher key encryption block: be used for making described payment i-services device generate transmission key, by described RSA PKI to institute
After stating transmission key encryption, pass sequentially through described APP backstage and bracelet pays APP and is sent to described safety chip；
Encryption/decryption module: be used for making described payment i-services device that described transmission key to carry out disperse encryption to obtain session close
Key, and use described session key after described payment mark is encrypted, to pass sequentially through described APP backstage and bracelet payment APP
Being sent to described safety chip, the transmission key of storage in bracelet is carried out disperseing encryption to obtain session key by described safety chip
After, utilize the session key in described safety chip that the payment mark after encryption is decrypted.
Realization the most according to claim 9 uses bracelet to substitute entity member card as claimed in claim 1 and pays
The device of method, it is characterised in that described wireless data transfer module be bluetooth module, wifi module, Zigbee module or
GPRS module.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610557046.2A CN106228356A (en) | 2016-07-13 | 2016-07-13 | A kind of use bracelet to substitute entity member card to carry out the method and device that pays |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610557046.2A CN106228356A (en) | 2016-07-13 | 2016-07-13 | A kind of use bracelet to substitute entity member card to carry out the method and device that pays |
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| CN201610557046.2A Pending CN106228356A (en) | 2016-07-13 | 2016-07-13 | A kind of use bracelet to substitute entity member card to carry out the method and device that pays |
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