CN106941615B - Payment method, set top box and system - Google Patents
Payment method, set top box and system Download PDFInfo
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- CN106941615B CN106941615B CN201610006638.5A CN201610006638A CN106941615B CN 106941615 B CN106941615 B CN 106941615B CN 201610006638 A CN201610006638 A CN 201610006638A CN 106941615 B CN106941615 B CN 106941615B
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
- H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
- H04N21/40—Client devices specifically adapted for the reception of or interaction with content, e.g. set-top-box [STB]; Operations thereof
- H04N21/41—Structure of client; Structure of client peripherals
- H04N21/418—External card to be used in combination with the client device, e.g. for conditional access
- H04N21/4182—External card to be used in combination with the client device, e.g. for conditional access for identification purposes, e.g. storing user identification data, preferences, personal settings or data
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
- H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
- H04N21/40—Client devices specifically adapted for the reception of or interaction with content, e.g. set-top-box [STB]; Operations thereof
- H04N21/41—Structure of client; Structure of client peripherals
- H04N21/418—External card to be used in combination with the client device, e.g. for conditional access
- H04N21/4185—External card to be used in combination with the client device, e.g. for conditional access for payment
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
- H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
- H04N21/40—Client devices specifically adapted for the reception of or interaction with content, e.g. set-top-box [STB]; Operations thereof
- H04N21/41—Structure of client; Structure of client peripherals
- H04N21/422—Input-only peripherals, i.e. input devices connected to specially adapted client devices, e.g. global positioning system [GPS]
- H04N21/42204—User interfaces specially adapted for controlling a client device through a remote control device; Remote control devices therefor
- H04N21/42206—User interfaces specially adapted for controlling a client device through a remote control device; Remote control devices therefor characterized by hardware details
- H04N21/42222—Additional components integrated in the remote control device, e.g. timer, speaker, sensors for detecting position, direction or movement of the remote control, microphone or battery charging device
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
- H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
- H04N21/40—Client devices specifically adapted for the reception of or interaction with content, e.g. set-top-box [STB]; Operations thereof
- H04N21/41—Structure of client; Structure of client peripherals
- H04N21/426—Internal components of the client ; Characteristics thereof
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
- H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
- H04N21/40—Client devices specifically adapted for the reception of or interaction with content, e.g. set-top-box [STB]; Operations thereof
- H04N21/47—End-user applications
- H04N21/475—End-user interface for inputting end-user data, e.g. personal identification number [PIN], preference data
- H04N21/4753—End-user interface for inputting end-user data, e.g. personal identification number [PIN], preference data for user identification, e.g. by entering a PIN or password
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
- H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
- H04N21/40—Client devices specifically adapted for the reception of or interaction with content, e.g. set-top-box [STB]; Operations thereof
- H04N21/47—End-user applications
- H04N21/478—Supplemental services, e.g. displaying phone caller identification, shopping application
Abstract
The invention discloses a payment method, which arranges a user identity identification card authentication module on a set-top box; deploying a Near Field Communication (NFC) module on the set top box or an input device matched with the set top box; the method comprises the following steps: the authentication platform authenticates the user information through the user identity identification card authentication module, and after the authentication is passed, a working key is issued to the set-top box; the set top box acquires account information through the NFC module, and encrypts payment transaction data containing the account information by using a working key; and sending the encrypted payment transaction data to a payment platform, so that the payment platform carries out payment processing on the encrypted payment transaction data and returns a processing result to the set top box. The invention also discloses a set top box and a payment system. By adopting the technical scheme of the invention, the payment mode can be more convenient and safer.
Description
Technical Field
The invention relates to the fields of electronic commerce and family informatization, in particular to a payment method, a set top box and a system.
Background
With the rapid development of the internet, users shopping in an e-commerce mode has become an important consumption mode in daily life. At present, the digital television payment service shows huge market potential and commercial value.
The home television set-top box is an important internet access mode of the digital television, so the set-top box becomes an important carrier of home electronic payment. With the interactive function of the set-top box, consumers can search, view and order goods on the television. At present, a common method is to use a remote controller to input a bank card or an account number and a password for consumption, but the method has the problems of inconvenient input, easy occurrence of consumption safety and the like.
Disclosure of Invention
In view of this, the present invention is expected to provide a payment method, a set top box and a system, which can improve convenience and security of payment and enhance user experience.
In order to achieve the purpose, the technical scheme of the invention is realized as follows:
the invention provides a payment method, which is characterized in that a user identity identification card authentication module is deployed on a set top box; deploying a Near Field Communication (NFC) authentication module on a set top box or an input device matched with the set top box; the method comprises the following steps:
the authentication platform authenticates the user information through the user identity identification card authentication module, and after the authentication is passed, a working key is issued to the set top box;
the set top box acquires account information through the NFC module, and encrypts payment transaction data containing the account information by using the working key; and sending the encrypted payment transaction data to a payment platform, so that the payment platform carries out payment processing on the encrypted payment transaction data and returns a processing result to the set top box.
In the foregoing solution, preferably, the authentication platform authenticates the user information through the user id card authentication module, and after the authentication is passed, the authentication platform issues the working key to the set-top box, including:
if the authentication platform and the payment platform are combined, the authentication platform directly issues a working key to the set-top box after passing the authentication;
if the authentication platform and the payment platform are separately arranged, after the authentication is passed, the authentication platform synchronizes authentication passing information to the payment platform, and the payment platform issues a working key to the set top box; and the payment platform side stores a decryption key matched with the working key.
In the above solution, preferably, after the set-top box receives the working key, the method further includes:
and storing the working key in the user identification card authentication module.
In the foregoing solution, preferably, the method further includes:
providing N optional payment scenes for a user to select, wherein N is a positive integer;
and providing M optional payment methods for the user to select, wherein M is a positive integer.
In the foregoing solution, preferably, the providing of M payment methods selectable for a user includes:
if the NFC module is deployed on the set top box, prompting a user to swipe a card or a terminal with a payment function at one side of the set top box;
and if the NFC module is deployed on the input equipment, prompting a user to swipe a card or a terminal with a payment function at one side of the input equipment.
In the foregoing scheme, preferably, after the set-top box acquires the account information through the NFC module, the method further includes:
prompting the user to input a password matched with the account information, and prompting the user to confirm payment after receiving the password;
wherein the user may confirm the payment by a first means; wherein the first mode comprises:
confirming payment by inputting a confirmation password through an input device or a terminal with a payment function; or
Receiving instant communication information through a terminal to confirm payment; or the like, or, alternatively,
payment is confirmed directly by a shortcut key of the input device.
In the foregoing solution, preferably, the payment processing performed by the payment platform on the encrypted payment transaction data includes:
the payment platform decrypts the encrypted payment transaction data by using a corresponding decryption key, and at least obtains account information, a password and payment information;
and verifying the account information based on the password, and deducting transaction data matched with the payment information from the account after the account information passes the verification.
The invention also provides a set-top box, wherein a user identity identification card authentication module is deployed on the set-top box; deploying an NFC module on the set top box or an input device matched with the set top box; the set-top box further comprises:
the receiving module is used for receiving the working key; the working key is issued after the authentication passes through the authentication platform to authenticate the user information through the user identity identification card authentication module;
the acquisition module is used for acquiring account information through the NFC module;
the encryption module is used for encrypting the payment transaction data containing the account information by using the working key;
the sending module is used for sending the encrypted payment transaction data to the payment platform;
correspondingly, the receiving module is further configured to receive a processing result returned by the payment platform, where the processing result is generated by the payment platform performing payment processing on the encrypted payment transaction data.
In the foregoing scheme, preferably, the receiving module is further configured to:
if the authentication platform and the payment platform are combined, receiving a working key issued by the authentication platform;
if the authentication platform and the payment platform are separately arranged, receiving a working key issued by the payment platform; and the payment platform side stores a decryption key matched with the working key.
In the foregoing scheme, preferably, the receiving module is further configured to:
and after receiving the working key, storing the working key in the user identification card authentication module.
In the foregoing solution, preferably, the set-top box further includes:
the system comprises a selection module, a payment module and a payment module, wherein the selection module is used for providing N selectable payment scenes for a user to select, and N is a positive integer; and providing M optional payment methods for the user to select, wherein M is a positive integer.
In the foregoing solution, preferably, the selecting module is further configured to:
if the NFC module is deployed on the set top box, prompting a user to swipe a card or a terminal with a payment function at one side of the set top box; and if the NFC module is deployed on the input equipment, prompting a user to swipe a card or a terminal with a payment function at one side of the input equipment.
In the foregoing solution, preferably, the set-top box further includes:
the prompting module is used for prompting a user to input a password matched with account information after the set top box acquires the account information through the NFC module, and prompting the user to confirm payment after receiving the password;
wherein the user may confirm the payment by a first means; wherein the first mode comprises:
confirming payment by inputting a confirmation password through an input device or a terminal with a payment function; or the like, or, alternatively,
receiving instant communication information through a terminal to confirm payment; or the like, or, alternatively,
payment is confirmed directly by a shortcut key of the input device.
The invention also provides a payment system, wherein a user identity identification card authentication module is deployed on the set-top box; the NFC module is deployed on a set top box or an input device matched with the set top box, and the system comprises:
the authentication platform is used for authenticating the user information through the user identity identification card authentication module;
the set top box is used for acquiring account information through the NFC module and encrypting payment transaction data containing the account information by using the working key; sending the encrypted payment transaction data to a payment platform;
and the payment platform is used for carrying out payment processing on the encrypted payment transaction data and returning a processing result to the set top box.
In the above solution, preferably, the set-top box is the set-top box claimed above;
the payment platform is further used for decrypting the encrypted payment transaction data by using a corresponding decryption key to at least obtain account information, a password and payment information; and verifying the account information based on the password, and deducting transaction data matched with the payment information from the account after the account information passes the verification.
According to the payment method, the set top box and the system, the authentication platform authenticates the user information through the user identity identification card authentication module, and after the authentication is passed, the working key is issued to the set top box; the set top box acquires account information through the NFC module, and encrypts payment transaction data containing the account information by using a working key; sending the encrypted payment transaction data to a payment platform, so that the payment platform carries out payment processing on the encrypted payment transaction data and returns a processing result to the set top box; so, can be through direct closely contact STB or incoming call equipment (like the remote controller), can accomplish the payment, improved the convenience and the security of payment, promoted user's use and experienced.
Drawings
FIG. 1 is a flow chart of a payment method implemented according to the present invention;
FIG. 2 is a schematic diagram of a structure of a set-top box according to the present invention;
FIG. 3 is a schematic diagram of a component structure of the payment system provided by the present invention;
FIG. 4 is a flow chart of an embodiment of payment via a set-top box according to the present invention;
fig. 5 is a schematic diagram of a payment system when the NFC module provided by the present invention is deployed on a set-top box;
fig. 6 is a schematic diagram of a payment system when the NFC module provided by the present invention is deployed on a remote controller.
Detailed Description
So that the manner in which the features and aspects of the present invention can be understood in detail, a more particular description of the invention, briefly summarized above, may be had by reference to embodiments, some of which are illustrated in the appended drawings.
Example one
Fig. 1 is a flowchart of an implementation of a payment method provided by the present invention, as shown in fig. 1, a user identification card authentication module is deployed on a set-top box; deploying an NFC module on the set top box or an input device matched with the set top box; the method mainly comprises the following steps:
step 101: the set top box receives a working key; the working key is issued after the authentication platform authenticates the user information through the user identification card authentication module.
Specifically, the authentication platform authenticates the user information through the user identification card authentication module, and includes:
if the authentication platform and the payment platform are combined, the authentication platform directly issues a working key to the set-top box after passing the authentication;
if the authentication platform and the payment platform are separately arranged, after the authentication is passed, the authentication platform synchronizes authentication passing information to the payment platform, and the payment platform issues a working key to the set top box; and the payment platform side stores a decryption key matched with the working key.
Preferably, after the set-top box receives the working key, the method may further include:
and storing the working key in the user identification card authentication module.
Preferably, after the set-top box acquires the working key, the method may further include: providing N optional payment scenes for a user through a display device (such as a television) matched with the set top box for the user to select, wherein N is a positive integer; and providing M optional payment methods for the user to select, wherein M is a positive integer.
For example, the payment scenario may be a variety of financial transactions such as bank card inquiry, public service payment, television shopping, game payment, and the like.
Here, the payment means may include at least:
bank card payment, credit card payment, payment through a mobile wallet.
Specifically, the method for providing M optional payment methods for the user includes:
if the NFC module is deployed on the set top box, prompting a user to swipe a card or a terminal with a payment function at one side of the set top box;
if the NFC module is deployed on the input device, prompting a user to swipe a card or a terminal with a payment function on one side of the input device (such as a remote controller).
The side mentioned above may refer to the back of the set-top box or to the back of the remote controller.
Here, the terminal generally refers to a terminal having a payment function, such as a mobile phone, a tablet computer, and the like.
Step 102: the set top box acquires account information through the NFC module, and encrypts payment transaction data containing the account information by using the working key; and sending the encrypted payment transaction data to a payment platform, so that the payment platform carries out payment processing on the encrypted payment transaction data and returns a processing result to the set top box.
Preferably, after acquiring the account information through the NFC module, the set top box may further include:
and prompting the user to input a password matched with the account information, and prompting the user to confirm payment after receiving the password.
Wherein the user may confirm the payment by a first means; wherein the first mode comprises:
confirming payment by inputting a confirmation password through an input device or a terminal with a payment function; or the like, or, alternatively,
receiving instant communication information through a terminal to confirm payment; or the like, or, alternatively,
payment is confirmed directly by a shortcut key of the input device.
Here, the instant messaging message may be a short message, a WeChat message, a QQ message, and the like.
Of course, the first mode is not limited to the above-listed modes, and is not described in detail herein.
In the foregoing solution, the performing, by the payment platform, payment processing on the encrypted payment transaction data may include:
the payment platform decrypts the encrypted payment transaction data by using a corresponding decryption key, and at least obtains account information, a password and payment information;
and verifying the account information based on the password, and deducting transaction data matched with the payment information from the account after the account information passes the verification.
In this embodiment, the user identification card may be a SIM card, a UIM card, or the like.
According to the payment method, the contact card swiping payment is carried out through the NFC module on the remote controller or the set top box, the card number does not need to be input, and the operation is more convenient; meanwhile, the user information authentication is carried out through the user identity identification card authentication module, and the payment transaction data is encrypted by using the working key to ensure the data security, so that the user can easily realize payment at home, and the user experience is improved.
Example two
Fig. 2 is a schematic structural diagram of a set-top box provided by the present invention, on which a user identification card authentication module is deployed; deploying an NFC module on the set top box or an input device matched with the set top box; as shown in fig. 2, the set-top box further includes:
a receiving module 21, configured to receive a work key; the working key is issued after the authentication passes through the authentication platform to authenticate the user information through the user identity identification card authentication module;
the obtaining module 22 is configured to obtain account information through the NFC module;
the encryption module 23 is configured to encrypt payment transaction data including the account information by using the working key;
a sending module 24, configured to send the encrypted payment transaction data to a payment platform;
correspondingly, the receiving module 21 is further configured to receive a processing result returned by the payment platform, where the processing result is generated by the payment platform performing payment processing on the encrypted payment transaction data.
Preferably, the receiving module 21 is further configured to:
if the authentication platform and the payment platform are combined, receiving a working key issued by the authentication platform;
if the authentication platform and the payment platform are separately arranged, receiving a working key issued by the payment platform; and the payment platform side stores a decryption key matched with the working key.
Preferably, the receiving module 21 is further configured to:
and after receiving the working key, storing the working key in the user identification card authentication module.
Preferably, the set-top box further comprises:
a selecting module 25, configured to provide N selectable payment scenarios for a user to select, where N is a positive integer; and providing M optional payment methods for the user to select, wherein M is a positive integer.
For example, the payment scenario may be a variety of financial transactions such as bank card inquiry, public service payment, television shopping, game payment, and the like.
Here, the payment means may include at least:
bank card payment, credit card payment, payment through a mobile wallet.
Preferably, the selecting module 25 is further configured to:
if the NFC module is deployed on the set top box, prompting a user to swipe a card or a terminal with a payment function at one side of the set top box; and if the NFC module is deployed on the input equipment, prompting a user to swipe a card or a terminal with a payment function at one side of the input equipment.
Preferably, the set-top box further comprises:
the prompting module 26 is configured to prompt the user to input a password matched with the account information after the set top box acquires the account information through the NFC module, and prompt the user to confirm payment after receiving the password;
wherein the user may confirm the payment by a first means; wherein the first mode comprises:
confirming payment by inputting a confirmation password through an input device or a terminal with a payment function; or the like, or, alternatively,
receiving instant communication information through a terminal to confirm payment; or the like, or, alternatively,
payment is confirmed directly by a shortcut key of the input device.
Here, the instant messaging message may be a short message, a WeChat message, a QQ message, and the like.
Of course, the first mode is not limited to the above-listed modes, and is not described in detail herein.
In this embodiment, the user identification card may be a SIM card, a UIM card, or the like.
In practical applications, the receiving module 21, the obtaining module 22, the encrypting module 23, the sending module 24, the selecting module 25, and the prompting module 26 may be implemented by a Central Processing Unit (CPU), a microprocessor Unit (MPU), a Digital Signal Processor (DSP), a Field Programmable Gate Array (FPGA), or the like in the set-top box.
In the set top box of the embodiment, the contact card swiping payment is carried out through the remote controller or the NFC module on the set top box, the card number does not need to be input, and the operation is more convenient. Meanwhile, additional equipment is not needed, only the payment function of the identification card authentication module needs to be started, the identification card authentication module performs user authentication, and the encryption module encrypts payment data, so that the data security is guaranteed.
EXAMPLE III
Fig. 3 is a schematic structural diagram of a payment system provided in the present invention, where a user identification card authentication module is deployed on the set-top box; deploying an NFC module on the set top box or an input device matched with the set top box; as shown in fig. 3, the payment system includes:
the authentication platform 31 is used for authenticating the user information through the user identification card authentication module;
the set top box 32 is used for acquiring account information through the NFC module and encrypting payment transaction data containing the account information by using the working key; and sends the encrypted payment transaction data to the payment platform 33;
and the payment platform 33 is configured to perform payment processing on the encrypted payment transaction data, and return a processing result to the set top box 31.
Preferably, the payment platform 33 is further configured to decrypt the encrypted payment transaction data by using a corresponding decryption key, and obtain at least account information, a password, and payment information; and verifying the account information based on the password, and deducting transaction data matched with the payment information from the account after the account information passes the verification.
Preferably, a specific structural diagram of the set top box may be as shown in fig. 2.
Specifically, an identity identification card authentication module in the set top box reads identity identification card information and sends the identity identification card information to an authentication platform; and after the authentication platform receives the identity identification card information, authenticating the identity identification card information, and after the authentication is passed, informing an identity identification card authentication module in the set top box of the successful authentication message by the authentication platform.
In this embodiment, the user identification card may be a SIM card, a UIM card, or the like.
In the payment system of the embodiment, the user identity authentication is performed through the identity identification card authentication module on the set-top box, the contact card swiping or terminal payment is performed through the NFC module arranged on the remote controller or the set-top box, the payment transaction data is encrypted through the encryption module by using the encryption algorithm, and finally the data is sent to the payment platform through the payment application of the set-top box, and the payment platform stores the corresponding decryption key and performs the deduction operation after decryption verification. Therefore, the payment mode is simpler, more convenient and safer, convenience is provided for payment services such as public service payment, television shopping and game payment of the user at home, and the use experience of the user is improved.
Example four
The present embodiment takes the subscriber identity module card as an SIM as an example for explanation.
Fig. 4 is a flowchart of a specific implementation of payment through a set-top box according to the present invention, and as shown in fig. 4, the flowchart mainly includes:
401: starting the set top box;
402: the authentication platform authenticates the user information by using an SIM card authentication module on the set-top box;
specifically, the user information can be authenticated through an SIM card authentication module arranged on the set-top box; for example, after the set-top box is powered on, the SIM card authentication module reads the SIM card information and sends the SIM card information to the authentication platform, so that the authentication platform authenticates the SIM card information, and after the authentication passes, the authentication platform notifies the SIM card authentication module in the set-top box of a successful authentication message.
403: the set-top box signs in the payment platform through the SIM card authentication module and acquires a working key from the payment platform or the authentication platform;
specifically, if the authentication platform and the payment platform are combined, the authentication platform directly issues the working key after passing the authentication; if the authentication platform and the payment platform are separately arranged, after the authentication is passed, the authentication platform synchronously passes the authentication information to the payment platform, and the payment platform issues a working key to the set top box; wherein the payment platform side stores the decryption key at the same time.
In particular, after the set-top box receives the working key, the working key may be stored in the SIM card for subsequent encryption of the payment transaction data.
404: displaying a payment page through a television, wherein the payment page comprises available payment scenes;
specifically, the user selects a corresponding payment scenario, such as a variety of financial services including bank card inquiry, public service payment, tv shopping, game payment, etc., through a remote controller.
405: the selectable payment method is displayed through the television, and the user confirms the payment method through the remote controller.
Specifically, the user selects to swipe a bank card or a mobile wallet as a payment method through a remote controller.
406: prompting the user to carry out operation of swiping a bank card or a mobile phone wallet;
407: judging whether the NFC module is deployed on the set top box or the remote controller; if so, go to step 408; if on the remote control, go to step 410;
specifically, a user is prompted to swipe a card or a mobile phone in a contact manner on corresponding equipment through a display screen of the television.
Step 408: if the NFC module is on the set top box, prompting the user to swipe a card on the back of the set top box, and then executing step 409;
specifically, the user swipes a bank card or a mobile phone on the set-top box.
Step 409: the set-top box acquires the corresponding bank card number or mobile phone account number information through the NFC module, directly sends the bank card number or mobile phone account number information to the payment application in the set-top box, and then executes step 413;
step 410: if the NFC module is on the remote controller, prompting a user to swipe a card on the back of the remote controller; then step 411 is executed;
specifically, the user swipes a bank card or a cell phone on the remote controller.
Step 411: the remote controller acquires the corresponding bank card number or mobile phone account number information through the NFC module, and then executes step 412;
step 412: the user presses the confirmation key of the remote controller for a long time and sends the information of the bank card number or the mobile phone account number to the set-top box; step 413 is then performed;
specifically, the data can be transmitted through a transmission module for data transmission between the remote controller and the set top box, for example, the transmission module can be a bluetooth chip, and then the account information is sent to the payment application at the set top box side; after the payment application receives the account information, the user is required to input a password to confirm payment, and the television interface correspondingly prompts the user to input the password for payment.
Specifically, after the user inputs the password matched with the account information, the user may be prompted to input a "confirmation password" for account security, so as to confirm that the user agrees to the payment platform to perform the payment operation.
Step 413: inputting a confirmation password through a mobile phone or a remote controller or confirming payment directly through a mobile phone short message or the remote controller;
step 414: encrypting the payment transaction data by using a working key stored in the SIM card;
in particular, the payment transaction data may be encrypted by an encryption module in the set-top box.
The payment transaction data comprises a bank card number, a password, a mobile wallet account number, payment information and the like. Here, the data may be encrypted using a symmetric encryption algorithm, or an asymmetric encryption algorithm. It should be noted that the payment platform stores the corresponding decryption key.
Step 415: and uploading the encrypted payment transaction data to a payment platform by the payment application in the set top box.
Step 416: and the payment platform decrypts the encrypted payment transaction data, and performs verification, password verification, money deduction and the like.
Step 417: and after the payment platform processes the information, returning a processing result to the set top box payment application, and displaying the processing result to the user through the television.
Therefore, the NFC module is arranged on the set top box or the set top box remote controller, a user can directly swipe a card or a mobile phone on the set top box or the remote controller during payment, and the payment can be completed after the payment is determined through the mobile phone or the remote controller. Meanwhile, the SIM card authentication module in the set-top box is used for authenticating the user information, and the payment transaction data is encrypted through the encryption module, so that the transaction safety is ensured, and meanwhile, the cost is reduced.
EXAMPLE five
Fig. 5 is a schematic view of a payment system when the NFC module provided by the present invention is deployed on a set-top box, and as shown in fig. 5, the system mainly includes: the system comprises an authentication platform, a payment platform and a set top box; wherein the content of the first and second substances,
the set-top box mainly comprises: the system comprises an SIM card authentication module, an NFC module, a payment application, an SIM card and an encryption module;
the NFC module is in butt joint with a main chip of the set top box through interfaces such as SPI/I2C/UART, and the payment application can acquire account information such as a bank card number and a mobile wallet account from the NFC module information through an Android NFC API interface. The SIM card can be connected with a main chip of the set-top box through an ISO7816 interface, and the payment application can acquire SIM card authentication information, sign-in information, encryption information and the like from the SIM card authentication module through a standard OpenMobile SIM API interface.
Wherein, the English overall name of SPI is "Serial Peripheral Interface", and the literal name is "Serial Peripheral Interface"; the English full name of I2C is "Intel-Integrated Circuit bus", wherein the name is "I2C bus"; the Universal Asynchronous Receiver Transmitter is called UART in English, and the Universal Asynchronous Receiver Transmitter is called UART in English, wherein the Universal Asynchronous Receiver Transmitter is called UART in the text name; the Chinese name of Android is "Android"; the English full name of the API is "application programming Interface", wherein the name is "application programming Interface"; the "Open Mobile SIM API" is a specification for the APP to establish a communication connection with the SIM card based on the android platform.
In the system, an input device (such as a remote controller) matched with the set-top box can adopt a common remote controller.
The working principle of the system is roughly as follows:
the payment is carried out through a contact card swiping or mobile phone of an NFC module arranged on the set top box, and the NFC module transmits payment transaction data to a payment application through an Android NFC API (application programming interface). The encryption module then encrypts the payment transaction data with the working key. And then, the payment application uploads the encrypted payment transaction data to a payment platform, the payment platform carries out operations such as verification, money deduction and the like, and finally, a payment result is returned to the set top box, and the set top box displays the payment result to the user through a television.
EXAMPLE six
Fig. 6 is a schematic diagram of a payment system when the NFC module provided by the present invention is deployed on a remote controller, and as shown in fig. 6, the system mainly includes: the system comprises an input device (such as a remote controller), an authentication platform, a payment platform and a set top box which are matched with the set top box; wherein the content of the first and second substances,
the remote controller mainly comprises: the NFC module and the first transmission module;
the set-top box mainly comprises: the system comprises a second transmission module, an SIM card authentication module, a payment application, an SIM card and an encryption module;
wherein the first transmission module is capable of communicating with a second transmission module;
the NFC module is in butt joint with the first transmission module, the bank card number and the account information of the mobile wallet are transmitted to the second transmission module on the set top box side through the first transmission module, and the account information is transmitted to the payment application through the second transmission module on the set top box side. For example, the first transmission module may be a bluetooth chip.
The SIM card can be connected with a main chip of the set-top box through an ISO7816 interface, and the payment application can acquire SIM card authentication information, sign-in information, encryption information and the like through a standard Open Mobile SIM API interface.
The working principle of the system is roughly as follows:
the payment is carried out through an NFC module arranged on a remote controller, the NFC module on the remote controller is in butt joint with a second transmission module on a set top box through a first transmission module, the second transmission module on the set top box transmits payment transaction data such as bank card numbers and mobile wallet account numbers to a payment application on the set top box, an encryption module encrypts the payment data through a working key, the payment application uploads the encrypted payment transaction data to a payment platform, the payment platform carries out operations such as verification and money deduction, finally, a payment result is returned to the set top box, and the set top box displays the payment result to a user through a television.
In the embodiments provided in the present invention, it should be understood that the disclosed method, apparatus and electronic device may be implemented in other ways. The above-described device embodiments are merely illustrative, for example, the division of the unit is only a logical functional division, and there may be other division ways in actual implementation, such as: multiple units or components may be combined, or may be integrated into another system, or some features may be omitted, or not implemented. In addition, the coupling, direct coupling or communication connection between the components shown or discussed may be through some interfaces, and the indirect coupling or communication connection between the devices or units may be electrical, mechanical or other forms.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, that is, may be located in one place, or may be distributed on a plurality of network units; some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, all the functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may be separately regarded as one unit, or two or more units may be integrated into one unit; the integrated unit can be realized in a form of hardware, or in a form of hardware plus a software functional unit.
Those of ordinary skill in the art will understand that: all or part of the steps for implementing the method embodiments may be implemented by hardware related to program instructions, and the program may be stored in a computer readable storage medium, and when executed, the program performs the steps including the method embodiments; and the aforementioned storage medium includes: a mobile storage device, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
Alternatively, the integrated unit according to the embodiment of the present invention may be stored in a computer-readable storage medium if it is implemented in the form of a software functional module and sold or used as a separate product. Based on such understanding, the technical solutions of the embodiments of the present invention may be essentially implemented or a part contributing to the prior art may be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the methods described in the embodiments of the present invention. And the aforementioned storage medium includes: a removable storage device, a ROM, a RAM, a magnetic or optical disk, or various other media that can store program code.
The above description is only for the specific embodiments of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present invention, and all the changes or substitutions should be covered within the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the appended claims.
Claims (15)
1. A payment method is characterized in that a user identification card authentication module is deployed on a set top box; deploying a Near Field Communication (NFC) module on a set top box or an input device matched with the set top box; the method comprises the following steps:
the authentication platform authenticates the user information through the user identity identification card authentication module, and after the authentication is passed, a working key is issued to the set top box;
the set top box acquires account information through the NFC module, and encrypts payment transaction data containing the account information by using the working key; and sending the encrypted payment transaction data to a payment platform, so that the payment platform carries out payment processing on the encrypted payment transaction data and returns a processing result to the set top box.
2. The method of claim 1, wherein the authentication platform authenticates the user information through the user id card authentication module, and after the authentication is passed, the authentication platform issues a working key to the set-top box, including:
if the authentication platform and the payment platform are combined, the authentication platform directly issues a working key to the set-top box after passing the authentication;
if the authentication platform and the payment platform are separately arranged, after the authentication is passed, the authentication platform synchronizes authentication passing information to the payment platform, and the payment platform issues a working key to the set top box; and the payment platform side stores a decryption key matched with the working key.
3. The method of claim 2, wherein after the set-top box receives the working key, the method further comprises:
and storing the working key in the user identification card authentication module.
4. The method of claim 1, further comprising:
providing N optional payment scenes for a user to select, wherein N is a positive integer;
and providing M optional payment methods for the user to select, wherein M is a positive integer.
5. The method of claim 4, wherein providing the user with the M payment methods available for selection comprises:
if the NFC module is deployed on the set top box, prompting a user to swipe a card or a terminal with a payment function at one side of the set top box;
and if the NFC module is deployed on the input equipment, prompting a user to swipe a card or a terminal with a payment function at one side of the input equipment.
6. The method of claim 1, wherein after the set top box obtains the account information through the NFC module, the method further comprises:
prompting the user to input a password matched with the account information, and prompting the user to confirm payment after receiving the password;
wherein the user may confirm the payment by a first means; wherein the first mode comprises:
confirming payment by inputting a confirmation password through an input device or a terminal with a payment function; or the like, or, alternatively,
receiving instant communication information through a terminal to confirm payment; or the like, or, alternatively,
payment is confirmed directly by a shortcut key of the input device.
7. The method of claim 1, wherein the payment platform performs payment processing on the encrypted payment transaction data, comprising:
the payment platform decrypts the encrypted payment transaction data by using a corresponding decryption key, and at least obtains account information, a password and payment information;
and verifying the account information based on the password, and deducting transaction data matched with the payment information from the account after the account information passes the verification.
8. A set-top box is characterized in that a user identification card authentication module is deployed on the set-top box; deploying an NFC module on the set top box or an input device matched with the set top box; the set-top box further comprises:
the receiving module is used for receiving the working key; the working key is issued after the authentication passes through the authentication platform to authenticate the user information through the user identity identification card authentication module;
the acquisition module is used for acquiring account information through the NFC module;
the encryption module is used for encrypting the payment transaction data containing the account information by using the working key;
the sending module is used for sending the encrypted payment transaction data to the payment platform;
correspondingly, the receiving module is further configured to receive a processing result returned by the payment platform, where the processing result is generated by the payment platform performing payment processing on the encrypted payment transaction data.
9. The set-top box of claim 8, wherein the receiving module is further configured to:
if the authentication platform and the payment platform are combined, receiving a working key issued by the authentication platform;
if the authentication platform and the payment platform are separately arranged, receiving a working key issued by the payment platform; and the payment platform side stores a decryption key matched with the working key.
10. The set-top box of claim 8, wherein the receiving module is further configured to:
and after receiving the working key, storing the working key in the user identification card authentication module.
11. The set-top box according to claim 8, further comprising:
the system comprises a selection module, a payment module and a payment module, wherein the selection module is used for providing N selectable payment scenes for a user to select, and N is a positive integer; and providing M optional payment methods for the user to select, wherein M is a positive integer.
12. The set top box of claim 11, wherein the selection module is further configured to:
if the NFC module is deployed on the set top box, prompting a user to swipe a card or a terminal with a payment function at one side of the set top box; and if the NFC module is deployed on the input equipment, prompting a user to swipe a card or a terminal with a payment function at one side of the input equipment.
13. The set-top box according to claim 8, further comprising:
the prompting module is used for prompting a user to input a password matched with account information after the set top box acquires the account information through the NFC module, and prompting the user to confirm payment after receiving the password;
wherein the user may confirm the payment by a first means; wherein the first mode comprises:
confirming payment by inputting a confirmation password through an input device or a terminal with a payment function; or the like, or, alternatively,
receiving instant communication information through a terminal to confirm payment; or the like, or, alternatively,
payment is confirmed directly by a shortcut key of the input device.
14. A payment system is characterized in that a user identification card authentication module is arranged on a set-top box; the NFC module is deployed on a set top box or an input device matched with the set top box, and the system comprises:
the authentication platform is used for authenticating the user information through the user identity identification card authentication module;
the set top box is used for acquiring account information through the NFC module and encrypting payment transaction data containing the account information by using a working key; sending the encrypted payment transaction data to a payment platform;
and the payment platform is used for carrying out payment processing on the encrypted payment transaction data and returning a processing result to the set top box.
15. A payment system as recited in claim 14, wherein the set-top box is a set-top box as recited in any one of claims 8 to 13;
the payment platform is further used for decrypting the encrypted payment transaction data by using a corresponding decryption key to at least obtain account information, a password and payment information; and verifying the account information based on the password, and deducting transaction data matched with the payment information from the account after the account information passes the verification.
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| CN201610006638.5A CN106941615B (en) | 2016-01-04 | 2016-01-04 | Payment method, set top box and system |
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| CN201610006638.5A CN106941615B (en) | 2016-01-04 | 2016-01-04 | Payment method, set top box and system |
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| CN106941615B true CN106941615B (en) | 2020-01-07 |
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