CN106779672A - The method and device that mobile terminal safety pays - Google Patents
The method and device that mobile terminal safety pays Download PDFInfo
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- CN106779672A CN106779672A CN201510813260.5A CN201510813260A CN106779672A CN 106779672 A CN106779672 A CN 106779672A CN 201510813260 A CN201510813260 A CN 201510813260A CN 106779672 A CN106779672 A CN 106779672A
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- 238000000034 method Methods 0.000 title claims abstract description 58
- 238000004891 communication Methods 0.000 description 17
- 238000005516 engineering process Methods 0.000 description 10
- 230000008901 benefit Effects 0.000 description 4
- 230000006870 function Effects 0.000 description 4
- 230000000977 initiatory effect Effects 0.000 description 4
- 230000007246 mechanism Effects 0.000 description 4
- 238000012545 processing Methods 0.000 description 4
- 230000008859 change Effects 0.000 description 3
- 230000008569 process Effects 0.000 description 3
- 230000005540 biological transmission Effects 0.000 description 2
- 238000004590 computer program Methods 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 241001269238 Data Species 0.000 description 1
- 230000003044 adaptive effect Effects 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- 238000001514 detection method Methods 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 230000009977 dual effect Effects 0.000 description 1
- 230000001939 inductive effect Effects 0.000 description 1
- 238000007726 management method Methods 0.000 description 1
- 230000005055 memory storage Effects 0.000 description 1
- 238000010200 validation analysis Methods 0.000 description 1
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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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—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
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- Computer Security & Cryptography (AREA)
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- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides the method and device that a kind of mobile terminal safety pays.The method includes：The request of the certification eID information from payment platform server of reception, has adjusted the reader of the eID information that can be read in eID terminals；The eID information that the reader reads from eID terminals is committed to the payment platform server；Receive the payment result that the payment platform server is returned.In the embodiment of the present invention, payment platform server before delivery operation is carried out, compare by the eID information to beneficiary account, follow-up delivery operation is carried out when comparing consistent, so as to improve the security of payment.
Description
Technical field
The present invention relates to technical field of internet application, method that particularly a kind of mobile terminal safety pays and
Device.
Background technology
With the fast development of Internet technology, using smart mobile phone, panel computer, palm PC, intelligence
The mobile terminals such as wrist-watch carry out on-line payment has turned into a kind of convenient, popular means of payment.
In actual applications, when user carries out on-line payment using mobile terminal, user is generally in mobile terminal
Input beneficiary account, and payment cipher is input into, just can complete on-line payment.In practice, it has been found that this
The situation that the means of payment there may be the stolen neck of fund is planted, the security of payment is relatively low.It would therefore be highly desirable to provide
A kind of secure payment scheme.
The content of the invention
In view of the above problems, it is proposed that the present invention overcomes above mentioned problem or at least in part to provide one kind
Method and corresponding device that the mobile terminal safety for solving the above problems pays.
According to an aspect of of the present present invention, there is provided a kind of method that mobile terminal safety pays, it is adaptable to pay
Class client, including：
The request of the certification eID information from payment platform server of reception, having adjusted can read eID terminals
The reader of the eID information in carrier；
The eID information that the reader reads from eID terminals is committed to the payment platform service
Device；
Receive the payment result that the payment platform server is returned.
Alternatively, the payment result includes：
Payment has turned to the beneficiary account of the eID information binding；Or
Represent the information for paying failure.
Alternatively, the beneficiary account includes：
Bank card account number or beneficiary are registered in the account in the payment class client.
Alternatively, the eID terminals are the contactless eID cards based on NFC technique, the reading
Device is taken for NFC unit.
According to another aspect of the present invention, a kind of method that mobile terminal safety pays is additionally provided, it is adaptable to
Payment platform server, including：
Receive from payer account, carry the payment transaction request of payment data bag, wherein, it is described
The corresponding eID information of beneficiary account is carried in payment data bag；
The request of certification eID information is initiated to the beneficiary account；
Returned after receiving the eID information that mobile terminal where the beneficiary account is read in eID terminals
EID information；
The corresponding eID information of beneficiary account that will be carried in the payment data bag and the eID for returning
Information is compared；
Determined whether to carry out delivery operation according to comparison result, and payment knot is returned to the beneficiary account
Really.
Alternatively, determined whether to carry out delivery operation according to comparison result, including：
If comparing unanimously, delivery operation is carried out according to the payment data bag.
Alternatively, determined whether to carry out delivery operation according to comparison result, including：
If comparison is inconsistent, delivery operation is not carried out, and it is inconsistent to return to comparison to the beneficiary account
Message.
Alternatively, the payment result includes：
Payment has turned to the beneficiary account；Or
Represent the information for paying failure.
Alternatively, the beneficiary account includes：
Bank card account number or beneficiary are registered in the account in the payment class client.
According to another aspect of the present invention, the device that a kind of mobile terminal safety pays is additionally provided, it is adaptable to
Class client is paid, including：
EID authentification of message request receiving modules, are suitable to receive the certification eID letters from payment platform server
The request of breath；
Reader has adjusted module, is suitable to adjust the reader of the eID information that can be read in eID terminals；
EID information submits to module, the eID information for being suitable to read the reader from eID terminals to carry
Hand over to the payment platform server；
Payment result receiver module, is suitable to receive the payment result that the payment platform server is returned.
Alternatively, the payment result includes：
Payment has turned to the beneficiary account of the eID information binding；Or
Represent the information for paying failure.
Alternatively, the beneficiary account includes：
Bank card account number or beneficiary are registered in the account in the payment class client.
Alternatively, the eID terminals are the contactless eID cards based on NFC technique, the reading
Device is taken for NFC unit.
According to another aspect of the present invention, the device that a kind of mobile terminal safety pays is additionally provided, it is adaptable to
Payment platform server, including：
Payment transaction request receiver module, be suitable to receive from payer account, carry payment data bag
Payment transaction request, wherein, the corresponding eID information of beneficiary account is carried in the payment data bag；
EID authentification of message request sending modules, are suitable to initiate certification eID information to the beneficiary account
Request；
EID information receiving modules, are suitable to receive mobile terminal where the beneficiary account and read eID terminals
The eID information returned after eID information in carrier；
EID information comparison modules, are suitable to the corresponding eID of beneficiary account that will be carried in the payment data bag
Information is compared with the eID information for returning；
Determining module, is suitable to be determined whether to carry out delivery operation according to comparison result；
Payment result sending module, is suitable to return to payment result to the beneficiary account.
Alternatively, the determining module is further adapted for：
If comparing unanimously, delivery operation is carried out according to the payment data bag.
Alternatively, the determining module is further adapted for：
If comparison is inconsistent, delivery operation is not carried out, and it is inconsistent to return to comparison to the beneficiary account
Message.
Alternatively, the payment result includes：
Payment has turned to the beneficiary account；Or
Represent the information for paying failure.
Alternatively, the beneficiary account includes：
Bank card account number or beneficiary are registered in the account in the payment class client.
In the embodiment of the present invention, when the request of the certification eID information from payment platform server is received,
The reader of the eID information that can be read in eID terminals is adjusted, then by reader from eID terminals
The eID information that carrier reads is committed to payment platform server, so that payment platform server is being paid
Before operation, the eID information to beneficiary account is compared, and follow-up payment is carried out when comparing consistent
Operation, so as to improve the security of payment.
Described above is only the general introduction of technical solution of the present invention, in order to better understand technology of the invention
Means, and being practiced according to the content of specification, and in order to allow above and other objects of the present invention,
Feature and advantage can become apparent, below especially exemplified by specific embodiment of the invention.
According to the accompanying drawings to the detailed description of the specific embodiment of the invention, those skilled in the art will
More understand of the invention above-mentioned and other purposes, advantages and features.
Brief description of the drawings
By reading the detailed description of hereafter preferred embodiment, various other advantages and benefit are for ability
Domain those of ordinary skill will be clear understanding.Accompanying drawing is only used for showing the purpose of preferred embodiment, and simultaneously
It is not considered as limitation of the present invention.And in whole accompanying drawing, identical is denoted by the same reference numerals
Part.In the accompanying drawings：
Fig. 1 shows the flow chart of the method that mobile terminal safety according to an embodiment of the invention pays；
Fig. 2 shows the flow chart of the method that mobile terminal safety according to another embodiment of the present invention pays；
Fig. 3 shows the flow chart of the method paid according to the mobile terminal safety of further embodiment of this invention；
Fig. 4 shows the structural representation of the device that mobile terminal safety according to an embodiment of the invention pays
Figure；And
Fig. 5 shows the structural representation of the device that mobile terminal safety according to another embodiment of the present invention pays
Figure.
Specific embodiment
The exemplary embodiment of the disclosure is more fully described below with reference to accompanying drawings.Although being shown in accompanying drawing
The exemplary embodiment of the disclosure, it being understood, however, that may be realized in various forms the disclosure without should be by
Embodiments set forth here is limited.Conversely, there is provided these embodiments are able to be best understood from this
It is open, and can by the scope of the present disclosure it is complete convey to those skilled in the art.
Domestic network remote authentication at present commonly uses " association is compared " method, will user input
The personal information such as " name+identification card number ", pass to backstage and the correctness of personal information compared to come
Assert its identity." association is compared " method is primarily present Railway Project under the scene of large-scale application：(1)
Personal information is compared and can not correctly represent my actual wishes, it is impossible to is taken precautions against personal identification and is falsely used or usurped
Risk；(2) leakage of personal information is easily caused.Gather the network english teaching mechanism peace of personal information
Full level differs, the risk more and more higher that personal information is revealed on a large scale.
In face of problem above, based on cryptographic technique, with intelligent and safe chip as carrier, by the " Ministry of Public Security
Citizen's network identity identifying system " is signed and issued to eID (the Electronic Identity, network electronic body of citizen
Part mark), online on the premise of identity information is not revealed identity can be remotely recognized, citizen can be met and existed
Many security assurance requirements such as individual privacy, network trading and virtual assets.
EID can be in a string of electronic information of one user identity of cyberspace unique mark.EID systems according to
The national citizenship information bank of support Ministry of Public Security covering, generates one group of unique network identifier and numeral is demonstrate,proved
Book, it is ensured that the authenticity and uniqueness of user identity, at the same itself and do not include any personal identification privacy
Information.EID related identification informations are created and management by unifying mechanism, so both ensure that the true of personal identification
Reality, and it is possible to prevente effectively from exposed when subscriber identity information is carried at various Virtual network operators and revealed
Risk.User can be avoided to frequently enter username and password using eID, ensureing identity security reliability
On the premise of realize quick login and other trusted operations.
The embodiment of the invention provides a kind of method that mobile terminal safety pays, it is adaptable to pay class client
End, the payment class client can be applied in mobile terminals such as smart mobile phone, panel computer, intelligent watch.
Fig. 1 shows the flow chart of the method that mobile terminal safety according to an embodiment of the invention pays.Such as Fig. 1
Shown, the method at least comprises the following steps S102 to step S106：
Step S102, receives the request of the certification eID information from payment platform server, and having adjusted to read
Take the reader of the eID information in eID terminals；
Step S104, payment platform clothes are committed to by the eID information that reader reads from eID terminals
Business device；
Step S106, receives the payment result that payment platform server is returned.
In the embodiment of the present invention, when the request of the certification eID information from payment platform server is received,
The reader of the eID information that can be read in eID terminals is adjusted, then by reader from eID terminals
The eID information that carrier reads is committed to payment platform server, so that payment platform server is being paid
Before operation, the eID information to beneficiary account is compared, and follow-up payment is carried out when comparing consistent
Operation, so as to improve the security of payment.
In order to ensure secure and trusted, the personally identifiable information of user is not included in whole identifying procedure (such as
Identity card, telephone number etc.), the transmitting procedure of authentication information also uses the encryption mechanism of dual key system.
In embodiments of the present invention, before eID terminals are introduced, NFC (Near Field are introduced first
Communication, near-field communication) technology.
NFC is a kind of short-distance wireless communication technology of standard, and it is based on RFID (Radio Frequency
Identification, radio frequency identification) technology, combine non-contact inductive and wireless connection technology, energy
Enough realize in short distance being identified compatible equipment and carrying out data exchange.NFC communication often is being initiated to set
It is standby to be produced and target device between, intercoupled in the way of AC magnetic field between the two, and with ASK
(Amplitude Shift Keying, amplitude-shift keying) mode or FSK (Frequency Shift Keying,
Frequency shift keying) mode carries out carrier modulation, transmits data signal.Initiating equipment produces unlimited signal initial
Change communication, target device then responds the order that initiating equipment sends, and select to be sent by initiating equipment or
It is that the less radio-frequency magnetic field for voluntarily producing is communicated.
Communication between NFC is divided into active communication mode and passive communication mode, and active communication mode is 20
Centimetre, passive communication mode is 10 centimetres.Under aggressive mode, every equipment sends number to another equipment
According to when, it is necessary to produce the radiofrequency field of oneself；And under Passive Mode, NFC initiating equipments communicated entirely
Radiofrequency field is provided in journey.Because NFC communication is the point-to-point communication of minimum distance, transmission can be avoided
Information is monitored or altered, its security mechanism can also by encryption, decryption system to ensure mobile device between
Secure communication.Also, NFC processing speeds are very fast, from detection mobile device, identity validation to data
Access only need the time of 0.1 second to be capable of achieving.NFC is compatible with existing contactless smart card technology, mesh
Before have become and obtain the official standard that more and more leading firms support.
The eID terminals that above step S102 is referred to can be the contactless eID based on NFC technique
Card, then reader is NFC unit.In step S104, can directly by NFC unit from eID cards
The eID information of reading is committed to payment platform server.
Further, NFC unit reads the eID information in the contactless eID cards based on NFC technique,
Now, the prompting of input PIN is required to user's display, and the PIN's of preliminary identification user input is correct
Property, if the PIN of the continuous n times of user (e.g., 3 or 5 is inferior) input error, then lock corresponding eID
The function of card, after PIN is verified, the eID information that reader reads is sent to payment platform service
Device.In such manner, it is possible to solve the problems, such as that eID cards lose the eID information leakages being likely to result in.
EID cards can include information storage module, three modules of message processing module and information communication module,
Wherein, information storage module by the personal unique eID certificates of the memory storage on piece, private key and
PIN (Personal Identification Number, PIN) etc., and not comprising any identity letter
Breath (such as ID card information, telephone number), does not result in the leakage of personal information.Due to storing these
Space needed for information is smaller (such as 512KB-1024KB), the NFC chip that can write direct itself
On-chip memory in.
Message processing module, can include encryption chip and CPU, in passive power supply, before transmission information
The content stored on piece is encrypted using specific cryptographic algorithm, enciphering rate is fast, facilitates eID cards
Safety storage and convenient use.The Encryption Decryption module that directly can also be provided using NFC chip is added
It is close.EID cards based on NFC technique are a reading mode, are identified using specific label, and user can not change
Its content.
Information communication module, can include NFC chip and antenna, and antenna is except for transmitting corresponding data
Outward, while receiving the radiofrequency field of the NFC device generation of mobile terminal for digital processing is powered, it is ensured that eID
The complete procedure of the encryption of information and NFC communication unit transmitting and receiving datas on card.
User only needs to card is placed near mobile phone (within 10 centimetres) several seconds when using eID cards
The characteristics such as the reading of eID information, the distinctive safe and efficient convenience of NFC near-field communications can be completed and ensure that use
Experience at family.
Payment result in above step S106 can be the gathering that payment has turned to the binding of eID information
Square account；Or represent the information for paying failure.Further, beneficiary account can be that beneficiary is registered in
The account in class client is paid, or the bank card account number bound with the eID information of beneficiary, etc.,
The invention is not restricted to this.
Accordingly, the embodiment of the present invention additionally provides a kind of method that mobile terminal safety pays, it is adaptable to prop up
Pay Platform Server.Fig. 2 shows the method that mobile terminal safety according to another embodiment of the present invention pays
Flow chart.As shown in Fig. 2 the method at least comprises the following steps S202 to step S210：
Step S202, receive from payer account, carry the payment transaction request of payment data bag,
Wherein, the corresponding eID information of beneficiary account is carried in the payment data bag；
Step S204, the request of certification eID information is initiated to beneficiary account；
Step S206, receives the eID letters that mobile terminal where beneficiary account is read in eID terminals
The eID information returned after breath；
Step S208, the corresponding eID information of beneficiary account that will be carried in payment data bag and return
EID information is compared；
Step S210, determines whether to carry out delivery operation, and return to branch to beneficiary account according to comparison result
Pay result.
In the embodiment of the present invention, eID information is included in payment data bag, so that payment platform server is entering
, it is necessary to compare to the eID information of beneficiary account before row delivery operation, carried out when comparing consistent
Follow-up delivery operation, so as to improve the security of payment.
, reference can be made to described previously, here is omitted for the eID terminals referred in above step S206.
In step S210, if comparing unanimously, delivery operation is carried out according to payment data bag；If comparing
It is inconsistent, then delivery operation is not carried out, and the inconsistent message of comparison is returned to beneficiary account.Now,
The request of certification eID information can be initiated to beneficiary account again, if continuous n times (e.g., 3 is inferior)
Comparison is inconsistent, then lock payment function.
The reality of the method that mobile terminal safety of the invention pays is discussed in detail below by a specific embodiment
Existing process, in this embodiment, payer account is produced by payment platform server to beneficiary account
Product pay, and payer account and beneficiary account can be by paying class client and payment platform server
Communicated.
Fig. 3 shows the flow chart of the method paid according to the mobile terminal safety of further embodiment of this invention.
As shown in figure 3, the method at least comprises the following steps S302 to step S322.
Step S302, payer account receives the payment request from user, wherein, taken in payment request
With beneficiary account.
In this step, pay request in can also including payer account, payment etc. information.
Step S304, payer account obtains the corresponding eID information of beneficiary account, and generation carries receipts
The payment data bag of the corresponding eID information of money side's account.
Step S306, payer account sends the payment friendship for carrying payment data bag to payment platform server
Easily request.
Step S308, payment platform server receive it is from payer account, carry payment data bag
Payment transaction request.
Step S310, payment platform server initiates the request of certification eID information to beneficiary account.
Step S312, beneficiary account receives the request of the certification eID information from payment platform server,
The reader of the eID information that can be read in eID terminals is adjusted.
Be committed to for the eID information that reader reads from eID terminals by step S314, beneficiary account
Payment platform server.
Step S316, payment platform server receives mobile terminal where beneficiary account and reads eID terminals load
The eID information returned after eID information in body.
Step S318, the corresponding eID of beneficiary account that payment platform server will be carried in payment data bag
Information is compared with the eID information for returning.
Step S320, payment platform server determines whether to carry out delivery operation according to comparison result, and to branch
Pay square account and return to transaction results.
In this step, if comparing unanimously, delivery operation is carried out according to payment data bag；If comparison differs
Cause, then do not carry out delivery operation, and the inconsistent message of comparison is returned to beneficiary account.At this point it is possible to
The request of certification eID information is initiated to beneficiary account again, if continuous n times (e.g., 3 is inferior) are compared
It is inconsistent, then lock payment function.
In this step, payment platform server can also return to transaction results to beneficiary account.
Step S322, paying party account receives the transaction results that payment platform server is returned.
The embodiment of the present invention increases eID information in payment data bag, so that payment platform server is being carried out
, it is necessary to compare to the eID information of beneficiary account before delivery operation, after being carried out when comparing consistent
Continuous delivery operation, delivery operation is not carried out when comparing inconsistent, and return to comparison not to beneficiary account
Consistent message, so as to improve the security of payment.
Based on same inventive concept, the embodiment of the present invention additionally provides the dress that a kind of mobile terminal safety pays
Put, it is adaptable to pay class client.Fig. 4 shows mobile terminal safety branch according to an embodiment of the invention
The structural representation of the device paid.As shown in figure 4, the device 400 can at least include eID authentification of messages
Request receiving module 410, reader has adjusted module 420, eID information to submit module 430 and payment result to
Receiver module 440.
Now introduce each composition or the work(of device of the device 400 of the mobile terminal safety payment of the embodiment of the present invention
Annexation between energy and each several part：
EID authentification of messages request receiving module 410, is suitable to receive the certification eID from payment platform server
The request of information；
Reader has adjusted module 420, is coupled with eID authentification of messages request receiving module 410, is suitable to adjust
Play the reader of the eID information that can be read in eID terminals；
EID information submit to module 430, adjusted module 420 to be coupled with reader, be suitable to by reader from
The eID information that eID terminals read is committed to payment platform server；
Payment result receiver module 440, submits to module 430 to be coupled with eID information, is suitable to receive payment
The payment result that Platform Server is returned.
In an embodiment of the present invention, payment result includes：
Payment has turned to the beneficiary account of eID information binding；Or
Represent the information for paying failure.
In an embodiment of the present invention, beneficiary account includes：
Bank card account number or beneficiary are registered in the account paid in class client.
In an embodiment of the present invention, eID terminals are the contactless eID cards based on NFC technique,
Reader is NFC unit.
Accordingly, the embodiment of the present invention additionally provides the device that a kind of mobile terminal safety pays, it is adaptable to prop up
Pay Platform Server.Fig. 5 shows the device that mobile terminal safety according to another embodiment of the present invention pays
Structural representation.As shown in figure 5, the device 500 can at least include payment transaction request receiver module
510th, eID authentification of messages request sending module 520, eID information receiving modules 530, eID information compare mould
Block 540, determining module 550 and payment result sending module 560.
Now introduce each composition or the work(of device of the device 500 of the mobile terminal safety payment of the embodiment of the present invention
Annexation between energy and each several part：
Payment transaction request receiver module 510, be suitable to receive from payer account, carry payment number
According to the payment transaction request of bag, wherein, the corresponding eID information of beneficiary account is carried in payment data bag；
EID authentification of messages request sending module 520, is coupled with payment transaction request receiver module 510,
It is suitable to be initiated to beneficiary account the request of certification eID information；
EID information receiving modules 530, are coupled with eID authentification of messages request sending module 520, are suitable to
Receive the eID letters returned after the eID information that mobile terminal where beneficiary account is read in eID terminals
Breath；
EID information comparison modules 540, are coupled with eID information receiving modules 530, are suitable to that number will be paid
Compare with the eID information for returning according to the corresponding eID information of beneficiary account carried in bag；
Determining module 550, is coupled with eID information comparison modules 540, is suitable to be determined according to comparison result
Whether delivery operation is carried out；
Payment result sending module 560, is coupled with determining module 550, is suitable to be returned to beneficiary account
Payment result.
In an embodiment of the present invention, determining module 550 is further adapted for：
If comparing unanimously, delivery operation is carried out according to payment data bag.
In an embodiment of the present invention, determining module 550 is further adapted for：
If comparison is inconsistent, delivery operation is not carried out, and inconsistent disappearing is compared to the return of beneficiary account
Breath.
In an embodiment of the present invention, payment result includes：
Payment has turned to beneficiary account；Or
Represent the information for paying failure.
In an embodiment of the present invention, beneficiary account includes：
Bank card account number or beneficiary are registered in the account paid in class client.
According to the combination of above-mentioned any one preferred embodiment or multiple preferred embodiments, embodiment of the present invention energy
Enough reach following beneficial effect：
In the embodiment of the present invention, when the request of the certification eID information from payment platform server is received,
The reader of the eID information that can be read in eID terminals is adjusted, then by reader from eID terminals
The eID information that carrier reads is committed to payment platform server, so that payment platform server is being paid
Before operation, the eID information to beneficiary account is compared, and follow-up payment is carried out when comparing consistent
Operation, so as to improve the security of payment.
In specification mentioned herein, numerous specific details are set forth.It is to be appreciated, however, that this hair
Bright embodiment can be put into practice in the case of without these details.In some instances, not in detail
Known method, structure and technology are shown, so as not to obscure the understanding of this description.
Similarly, it will be appreciated that in order to simplify the disclosure and help understand one in each inventive aspect or
Multiple, in above to the description of exemplary embodiment of the invention, each feature of the invention is sometimes by one
Rise and be grouped into single embodiment, figure or descriptions thereof.However, should not be by the method for the disclosure
It is construed to reflect following intention：I.e. the present invention for required protection requirement ratio institute in each claim is clear and definite
The more features of feature of record.More precisely, as the following claims reflect, hair
Bright aspect is all features less than single embodiment disclosed above.Therefore, it then follows specific embodiment
Claims be thus expressly incorporated in the specific embodiment, wherein each claim conduct in itself
Separate embodiments of the invention.
Those skilled in the art be appreciated that the module in the equipment in embodiment can be carried out it is adaptive
Change to answering property and they are arranged in one or more equipment different from the embodiment.Can be reality
Apply module or unit or component in example and be combined into a module or unit or component, and in addition can be it
Be divided into multiple submodule or subelement or sub-component.Except in such feature and/or process or unit
It is at least some exclude each other outside, can using any combinations to this specification (including adjoint right will
Ask, make a summary and accompanying drawing) disclosed in all features and so disclosed any method or equipment it is all
Process or unit are combined.Unless expressly stated otherwise, this specification (including adjoint claim,
Summary and accompanying drawing) disclosed in each feature can or similar purpose identical, equivalent by offer alternative features
To replace.
Although additionally, it will be appreciated by those of skill in the art that some embodiments described herein include other
Some included features are rather than further feature, but the combination meaning of the feature of different embodiments in embodiment
Taste and is within the scope of the present invention and is formed different embodiments.For example, in detail in the claims,
The one of any of embodiment required for protection mode can use in any combination.
All parts embodiment of the invention can realize with hardware, or with one or more processor
The software module of upper operation is realized, or is realized with combinations thereof.It will be understood by those of skill in the art that
Can be realized using microprocessor or digital signal processor (DSP) in practice according to of the invention real
The some or all functions of some or all parts in the device of the mobile terminal safety payment for applying example.
The present invention be also implemented as some or all equipment for performing method as described herein or
Person's program of device (for example, computer program and computer program product).It is such to realize journey of the invention
Sequence can be stored on a computer-readable medium, or can have the form of one or more signal.This
The signal of sample can be downloaded from internet website and obtained, or be provided on carrier signal, or with any
Other forms are provided.
It should be noted that above-described embodiment the present invention will be described rather than limiting the invention, and
And those skilled in the art can design replacement implementation without departing from the scope of the appended claims
Example.In the claims, any reference symbol being located between bracket should not be configured to claim
Limitation.Word "comprising" does not exclude the presence of element or step not listed in the claims.Positioned at element it
Preceding word "a" or "an" does not exclude the presence of element as multiple.The present invention can be by means of bag
Include the hardware of some different elements and realized by means of properly programmed computer.It is some listing
In the unit claim of device, several in these devices can be come specific by same hardware branch
Embody.The use of word first, second, and third does not indicate that any order.Can be by these word solutions
It is interpreted as title.
So far, although those skilled in the art will appreciate that herein it is detailed have shown and described it is of the invention
Multiple exemplary embodiments, but, without departing from the spirit and scope of the present invention, still can be according to this
Disclosure of invention directly determines or derives many other variations or modifications for meeting the principle of the invention.Cause
This, the scope of the invention should be understood and defined as covering all these other variations or modifications.
The embodiment of the invention also discloses：A kind of method that A1, mobile terminal safety pay, it is adaptable to pay
Class client, including：
The request of the certification eID information from payment platform server of reception, having adjusted can read eID terminals
The reader of the eID information in carrier；
The eID information that the reader reads from eID terminals is committed to the payment platform service
Device；
Receive the payment result that the payment platform server is returned.
A2, the method according to A1, wherein, the payment result includes：
Payment has turned to the beneficiary account of the eID information binding；Or
Represent the information for paying failure.
A3, the method according to A2, wherein, the beneficiary account includes：
Bank card account number or beneficiary are registered in the account in the payment class client.
A4, the method according to any one of A1-A3, wherein, the eID terminals are based on NFC
The contactless eID cards of technology, the reader is NFC unit.
A kind of method that A5, mobile terminal safety pay, it is adaptable to payment platform server, including：
Receive from payer account, carry the payment transaction request of payment data bag, wherein, it is described
The corresponding eID information of beneficiary account is carried in payment data bag；
The request of certification eID information is initiated to the beneficiary account；
Returned after receiving the eID information that mobile terminal where the beneficiary account is read in eID terminals
EID information；
The corresponding eID information of beneficiary account that will be carried in the payment data bag and the eID for returning
Information is compared；
Determined whether to carry out delivery operation according to comparison result, and payment knot is returned to the beneficiary account
Really.
A6, the method according to A5, wherein, determined whether to carry out delivery operation according to comparison result,
Including：
If comparing unanimously, delivery operation is carried out according to the payment data bag.
A7, the method according to A5 or A6, wherein, determined whether to be paid according to comparison result
Operation, including：
If comparison is inconsistent, delivery operation is not carried out, and it is inconsistent to return to comparison to the beneficiary account
Message.
A8, the method according to any one of A5-A7, wherein, the payment result includes：
Payment has turned to the beneficiary account；Or
Represent the information for paying failure.
A9, the method according to any one of A5-A8, wherein, the beneficiary account includes：
Bank card account number or beneficiary are registered in the account in the payment class client.
The device that B10, a kind of mobile terminal safety pay, it is adaptable to pay class client, including：
EID authentification of message request receiving modules, are suitable to receive the certification eID letters from payment platform server
The request of breath；
Reader has adjusted module, is suitable to adjust the reader of the eID information that can be read in eID terminals；
EID information submits to module, the eID information for being suitable to read the reader from eID terminals to carry
Hand over to the payment platform server；
Payment result receiver module, is suitable to receive the payment result that the payment platform server is returned.
B11, the device according to B10, wherein, the payment result includes：
Payment has turned to the beneficiary account of the eID information binding；Or
Represent the information for paying failure.
B12, the device according to B11, wherein, the beneficiary account includes：
Bank card account number or beneficiary are registered in the account in the payment class client.
B13, the device according to any one of B10-B12, wherein, the eID terminals be based on
The contactless eID cards of NFC technique, the reader is NFC unit.
A kind of device that B14, mobile terminal safety pay, it is adaptable to payment platform server, including：
Payment transaction request receiver module, be suitable to receive from payer account, carry payment data bag
Payment transaction request, wherein, the corresponding eID information of beneficiary account is carried in the payment data bag；
EID authentification of message request sending modules, are suitable to initiate certification eID information to the beneficiary account
Request；
EID information receiving modules, are suitable to receive mobile terminal where the beneficiary account and read eID terminals
The eID information returned after eID information in carrier；
EID information comparison modules, are suitable to the corresponding eID of beneficiary account that will be carried in the payment data bag
Information is compared with the eID information for returning；
Determining module, is suitable to be determined whether to carry out delivery operation according to comparison result；
Payment result sending module, is suitable to return to payment result to the beneficiary account.
B15, the device according to B14, wherein, the determining module is further adapted for：
If comparing unanimously, delivery operation is carried out according to the payment data bag.
B16, the device according to B14 or B15, wherein, the determining module is further adapted for：
If comparison is inconsistent, delivery operation is not carried out, and it is inconsistent to return to comparison to the beneficiary account
Message.
B17, the device according to any one of B14-B16, wherein, the payment result includes：
Payment has turned to the beneficiary account；Or
Represent the information for paying failure.
B18, the device according to any one of B14-B17, wherein, the beneficiary account includes：
Bank card account number or beneficiary are registered in the account in the payment class client.
Claims (10)
1. a kind of method that mobile terminal safety pays, it is adaptable to pay class client, including：
The request of the certification eID information from payment platform server of reception, having adjusted can read eID terminals
The reader of the eID information in carrier；
The eID information that the reader reads from eID terminals is committed to the payment platform service
Device；
Receive the payment result that the payment platform server is returned.
2. method according to claim 1, wherein, the payment result includes：
Payment has turned to the beneficiary account of the eID information binding；Or
Represent the information for paying failure.
3. method according to claim 2, wherein, the beneficiary account includes：
Bank card account number or beneficiary are registered in the account in the payment class client.
4. the method according to claim any one of 1-3, wherein, the eID terminals be based on
The contactless eID cards of NFC technique, the reader is NFC unit.
5. a kind of method that mobile terminal safety pays, it is adaptable to payment platform server, including：
Receive from payer account, carry the payment transaction request of payment data bag, wherein, it is described
The corresponding eID information of beneficiary account is carried in payment data bag；
The request of certification eID information is initiated to the beneficiary account；
Returned after receiving the eID information that mobile terminal where the beneficiary account is read in eID terminals
EID information；
The corresponding eID information of beneficiary account that will be carried in the payment data bag and the eID for returning
Information is compared；
Determined whether to carry out delivery operation according to comparison result, and payment knot is returned to the beneficiary account
Really.
6. method according to claim 5, wherein, determined whether to be paid according to comparison result
Operation, including：
If comparing unanimously, delivery operation is carried out according to the payment data bag.
7. the method according to claim 5 or 6, wherein, determined whether to carry out according to comparison result
Delivery operation, including：
If comparison is inconsistent, delivery operation is not carried out, and it is inconsistent to return to comparison to the beneficiary account
Message.
8. the method according to claim any one of 5-7, wherein, the payment result includes：
Payment has turned to the beneficiary account；Or
Represent the information for paying failure.
9. the device that a kind of mobile terminal safety pays, it is adaptable to pay class client, including：
EID authentification of message request receiving modules, are suitable to receive the certification eID letters from payment platform server
The request of breath；
Reader has adjusted module, is suitable to adjust the reader of the eID information that can be read in eID terminals；
EID information submits to module, the eID information for being suitable to read the reader from eID terminals to carry
Hand over to the payment platform server；
Payment result receiver module, is suitable to receive the payment result that the payment platform server is returned.
10. a kind of device that mobile terminal safety pays, it is adaptable to payment platform server, including：
Payment transaction request receiver module, be suitable to receive from payer account, carry payment data bag
Payment transaction request, wherein, the corresponding eID information of beneficiary account is carried in the payment data bag；
EID authentification of message request sending modules, are suitable to initiate certification eID information to the beneficiary account
Request；
EID information receiving modules, are suitable to receive mobile terminal where the beneficiary account and read eID terminals
The eID information returned after eID information in carrier；
EID information comparison modules, are suitable to the corresponding eID of beneficiary account that will be carried in the payment data bag
Information is compared with the eID information for returning；
Determining module, is suitable to be determined whether to carry out delivery operation according to comparison result；
Payment result sending module, is suitable to return to payment result to the beneficiary account.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510813260.5A CN106779672A (en) | 2015-11-20 | 2015-11-20 | The method and device that mobile terminal safety pays |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510813260.5A CN106779672A (en) | 2015-11-20 | 2015-11-20 | The method and device that mobile terminal safety pays |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106779672A true CN106779672A (en) | 2017-05-31 |
Family
ID=58886221
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510813260.5A Pending CN106779672A (en) | 2015-11-20 | 2015-11-20 | The method and device that mobile terminal safety pays |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106779672A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107491961A (en) * | 2017-09-02 | 2017-12-19 | 刘兴丹 | A kind of method, apparatus of the network payment of NFC checkings |
| CN107506998A (en) * | 2017-09-02 | 2017-12-22 | 刘兴丹 | Fingerprint password payment method, device and system based on NFC verification |
| CN109284999A (en) * | 2017-07-20 | 2019-01-29 | 上海方付通商务服务有限公司 | Business confirmation method and system based on mobile network's terminal |
| CN113194195A (en) * | 2021-04-28 | 2021-07-30 | 广东岭南通股份有限公司 | Opening method, using method and system of composite traffic card based on eID |
-
2015
- 2015-11-20 CN CN201510813260.5A patent/CN106779672A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109284999A (en) * | 2017-07-20 | 2019-01-29 | 上海方付通商务服务有限公司 | Business confirmation method and system based on mobile network's terminal |
| CN107491961A (en) * | 2017-09-02 | 2017-12-19 | 刘兴丹 | A kind of method, apparatus of the network payment of NFC checkings |
| CN107506998A (en) * | 2017-09-02 | 2017-12-22 | 刘兴丹 | Fingerprint password payment method, device and system based on NFC verification |
| CN107506998B (en) * | 2017-09-02 | 2021-08-17 | 芽米科技(广州)有限公司 | Fingerprint password payment method, device and system based on NFC verification |
| CN113194195A (en) * | 2021-04-28 | 2021-07-30 | 广东岭南通股份有限公司 | Opening method, using method and system of composite traffic card based on eID |
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