CN106980972A - Offline payment method and its payment system, mobile terminal based on TEE - Google Patents
Offline payment method and its payment system, mobile terminal based on TEE Download PDFInfo
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- CN106980972A CN106980972A CN201611242841.9A CN201611242841A CN106980972A CN 106980972 A CN106980972 A CN 106980972A CN 201611242841 A CN201611242841 A CN 201611242841A CN 106980972 A CN106980972 A CN 106980972A
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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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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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
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/351—Virtual cards
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Abstract
The present invention relates to payment system under the line based on TEE and method of payment.The system possesses：Mobile terminal, the card flow for realizing card function and realizing qPBOC shows there is provided user input interface after the data processing inputted to user in Quick Response Code form；POS terminal, background system is sent to for obtaining the data for the Quick Response Code form that the mobile terminal shows and converting the data into card data message；And background system, for completing to pay according to the card data message and result being returned into POS terminal.It is not necessary according to the invention that mobile terminal and POS terminal possess NFC function just can online under realize mobile payment.
Description
Technical field
The present invention relates to the communication technology, offline payment method and its payment system and mobile terminal based on TEE.
Background technology
Although existing Quick Response Code pays and brought great convenience to be paid under the line of user, the opponent in payment process
The strong dependency of machine network, make its special handset network environment is poor or disabled scene under be difficult to effectively implementation.And with
Bank is that the HCE that representative is issued is paid, and due to have followed qPBOC flows, can effectively solve this problem.
Fig. 1 illustrates the existing flow chart based on the HCE methods of payment realized.
As shown in figure 1, mobile terminal supports the HCE on HCE and NFC, mobile terminal to follow qPBOC respectively with POS terminal
Online flow, both sides complete qPBOC three interaction flows by non-switched letter mode.
First, POS terminal selectes specific HCE by two selection utility commands respectively and pays application（Pass through select
PPSE is selected to apply catalogue, and application is paid by the way that select app are selected）；Secondly, POS terminal will authorize the amount of money, currency code,
The data such as random number are sent to the SE of mobile terminal with GPO command；The SE of mobile terminal is according to the GPO command received（Wherein, GPO
Tell the amount of money of card transaction when ordering main function, whether support the parameter such as electronic cash and the transaction attribute of terminal,
When selection is applied, card can return to a PDOL label value, and its label is 9F38, and terminal should preserve this list, GPO lives
The data field of order is sent according to PDOL lists, and the order that data are sent is the order arrangement in PDOL according to label
's）Generation GPO result datas return to POS terminal；Finally, POS terminal is sent out according to GPO result data tissue card datas message
It is sent to background system, background system is by payment result（For example pay successfully）Return to POS terminal.
In this course, mobile terminal all can complete exchanging for data with POS terminal without networking, and final branch
Pay and complete, be then that networking is sent to background system and completed after GPO result datas to change into POS terminal card data message.
Paid compared to Quick Response Code, qPBOC flows are employed between HCE and POS, can support to be paid in the case of mobile phone failed cluster.Meanwhile,
When swiping the card, user need to only wave card, the action of Quick Response Code is directed at without camera, faster, pay more just for transactions velocity
It is prompt.However, there is following 2 points of deficiencies in existing HCE payment modes：
（1）Need that user mobile phone possesses NFC function and its POS possesses non-switched telecommunication function and just can be used, this is for existing market
In for a large amount of non-NFC mobile phone users and a considerable number of POS for not possessing the non-ability of connecing of presence, it may be difficult to make vast
Consumer efficiently and effectively enjoys HCE and pays brought convenience payment advantage；
（2）Because HCE itself performs the data such as qPBOC flows and its LUK keys all under Android, corresponding security
In the presence of certain threat.
The content of the invention
In view of the above problems, the present invention is intended to provide a kind of do not need POS terminal and mobile terminal to possess NFC function with regard to energy
Enough realize the offline payment method based on TEE that payment safety is paid and can improved under line and its payment system and shifting
Dynamic terminal.
Payment system under the line based on TEE of the present invention, it is characterised in that possess：
Mobile terminal, the card flow for realizing card function and realizing qPBOC is inputted there is provided user input interface to user
Data processing after showed in Quick Response Code form；
POS terminal, for obtaining the data for the Quick Response Code form that the mobile terminal shows and converting the data into card
Data message is sent to background system；And
Background system, for completing to pay according to the card data message and result being returned into POS terminal.
Preferably, the mobile terminal possesses under TEE environment：
Virtual card, for simulated implementation card function and realizes qPBOC card flow；
Payment module, is interacted for realizing with the qPBOC of virtual card flow；And
TUI modules, for providing user input interface and the data that user inputs being sent into the payment module, simultaneously will
The data obtained from the payment module are showed in Quick Response Code form.
Preferably, qPBOC is carried out using the TEE intercommunication abilities provided between the virtual card and the payment module
Flow interaction.
Preferably, the TUI modules possess：
Financial quarters's face module, for providing user's amount of money inputting interface and being sent to the value data that user inputs described
Payment module；And
Quick Response Code submodule, for the data obtained from the payment module to be showed in Quick Response Code form.
Preferably, the mobile terminal possesses under TEE environment：
Entity SE, the card flow for realizing qPBOC；
Payment module, is interacted for realizing with the qPBOC of entity SE flow；And
TUI modules, for providing user input interface and the data that user inputs being sent into the payment module, simultaneously will
The data obtained from the payment module are showed in Quick Response Code form.
Preferably, the TUI modules possess：
Financial quarters's face module, for providing user's amount of money inputting interface and being sent to the value data that user inputs described
Payment module；And
Quick Response Code submodule, for the data obtained from the payment module to be showed in Quick Response Code form.
The mobile terminal of the present invention is used to realize card function and realizes qPBOC card flow there is provided user input interface,
The data returned from card are showed in Quick Response Code form.
Preferably, the mobile terminal possesses under TEE：
Virtual card, for simulated implementation card function and realizes qPBOC card flow；
Payment module, is interacted for realizing with the qPBOC of virtual card flow；And
TUI modules, for providing user input interface and the data that user inputs being sent into the payment module, simultaneously will
The data obtained from the payment module are showed in Quick Response Code form.
Preferably, the TUI modules possess：
Financial quarters's face module, for providing user's amount of money inputting interface and being sent to the value data that user inputs described
Payment module；And
Quick Response Code submodule, for the data obtained from the payment module to be showed in Quick Response Code form.
Preferably, the mobile terminal possesses under TEE：
Entity SE, the card flow for realizing qPBOC；
Payment module, is interacted for realizing with the qPBOC of entity SE flow；And
TUI modules, for providing user input interface and the data that user inputs being sent into the payment module, simultaneously will
The data obtained from the payment module are showed in Quick Response Code form.
Preferably, the TUI modules possess：
Financial quarters's face module, for providing user's amount of money inputting interface and being sent to the value data that user inputs described
Payment module；And
Quick Response Code submodule, for the data obtained from the payment module to be showed in Quick Response Code form.
The offline payment method based on TEE of the present invention, is realized using mobile terminal, POS terminal and background system, its
It is characterised by, comprises the steps：
Amount of money input step, mobile terminal displaying amount of money interface, at amount of money interface, input authorizes the amount of money to user；
Quick Response Code generation step, mobile terminal is based on authorizing amount of money generation GPO result datas, and based on the generation of GPO result datas
Quick Response Code is simultaneously shown；
Quick Response Code read step, POS terminal reads Quick Response Code, thus obtains GPO result datas；And
Pay complete step, POS terminal by GPO result datas change into card data message networking be sent to background system with complete branch
Pay.
Preferably, the Quick Response Code generation step includes following sub-steps：
Mobile terminal is automatically generated in GPO command based on the mandate amount of money in the mandate amount of money generation GPO command, mobile terminal
Currency code；
Mobile terminal is based on GPO command and generates GPO result datas with qPBOC flows；And
Mobile terminal generates Quick Response Code according to GPO result datas and shown.
Payment system and the offline payment method based on TEE use the void based on TEE under the line based on TEE of the present invention
Intend bank card functionality to realize, and qPBOC flows are carried out by TUI modes and POS terminal to interact, can effectively solve the problem that existing be based on
The problem of payment application of qPBOC flows has to rely on NFC mobile phone and is difficult to use on a large scale, while improving whole flow of payments
The security of journey.Therefore, payment system and method for payment under the line of the invention based on TEE, can be efficiently solved non-
The problem of qPBOC is paid can not be used in NFC mobile phone, is the strong supplement to being paid under existing HCE lines.In Consumer's Experience
On, paid compared under existing HCE lines, while it is desirable to user's this process of the additional input amount of money on mobile phone, so that convenient
Property with relatively almost, but not losing convenience still on payment speed, and plus its can on all mobile phones and POS it is all suitable extensively
The advantage matched somebody with somebody, can effectively promote the fast development based on qPBOC mobile payments.
Brief description of the drawings
Fig. 1 illustrates the existing flow chart based on the HCE methods of payment realized.
Fig. 2 is the construction block diagram of payment system under the line based on TEE for representing the present invention.
Embodiment
What is be described below is some in multiple embodiments of the invention, it is desirable to provide to the basic understanding of the present invention.And
It is not intended to the crucial or conclusive key element for confirming the present invention or limits scope of the claimed.
It is briefly described firstly, for the technical terms of some this areas that will be mentioned in specification.
QPBOC is a kind of quick debit/credit contactless payment application released in China, meets PBOC specifications, with
Guarantee carries out fast transaction by non-contact interface.
TEE（Trusted Execution Environment, credible performing environment）It is to solve current intelligent movable
Security risk that terminal is present and the technical scheme that proposes, the environment and normal application runtime environment REE（Rich
Execution Environment）Logic isolation, can only be interacted by the api interface of mandate.TEE construct one with
Mobile intelligent terminal operating system（Such as Android, iOS, WindowsPhone）The secure operating environment of isolation.TEE is located at
Safety zone in mobile intelligent terminal primary processor, ensure that the storage that sensitive data is carried out in believable environment, place
Reason and protection.TEE is the fail-safe software authorized（Trusted software）There is provided the performing environment of safety, by performing protection, guarantor
Close, complete and data access authority realizes end-by-end security.
TUI refers to Trusted user interface（Trusted user interface）, the UI realized under general Android is not
Enough safety, so the relative UI realized under TEE, has larger security compared to Andorid UI, be known as Trusted
UI。
Fig. 2 is the construction block diagram of payment system under the line based on TEE for representing the present invention.
As shown in Fig. 2 payment system possesses under the line based on TEE of the present invention：
Mobile terminal 1 00, it is defeated to user for realizing card function and realizing qPBOC card flow there is provided user input interface
Showed after the data processing entered in Quick Response Code form；
POS terminal 200, for obtaining the data for the Quick Response Code form that mobile terminal 1 00 shows and converting the data into card
Sheet data message is sent to background system 300, and such as POS terminal 200 is the terminal for possessing camera, it is possible to use what it possessed
Camera reads Quick Response Code；And
Background system 300, for completing to pay according to card data message and result being returned into POS terminal 200.
Specifically, virtual card 110, payment module 120 and TUI modules are arranged with the TEE environment of mobile terminal
130。
Wherein, virtual card 110 is used for simulated implementation card function and realizes qPBOC card flow, it is thus possible to support movement
Paid under the line of terminal failed cluster, the data storage such as corresponding key is in the TEE environment of mobile terminal, so can be by
The protection of TEE environment.
Payment module 120 is used to realize to be interacted with the qPBOC of virtual card 110 flow, and the inside provided by TEE
Communication capacity carries out qPBOC flows with virtual card 110 and interacted.
TUI modules 130 are used to provide user input interface and the data that user inputs are sent into the payment module,
The payment data obtained from payment module 120 is showed in Quick Response Code form simultaneously.Specifically, TUI modules 130 possess：
Financial quarters's face module 131, for providing user's amount of money inputting interface and the value data that user inputs being sent into payment
Module 120；And Quick Response Code submodule 132, carry out exhibition for the data that will be obtained from payment module 120 in Quick Response Code form
It is existing.
Then, illustrated for the offline payment method that payment system under the line based on TEE using the present invention is realized.
The offline payment method based on TEE of the present invention comprises the steps：
Step S100：When enabling payment, amount of money interface submodule of the payment module 120 first by calling TUI modules 130
131 displaying amount of money interfaces；
Step S200：User is after the interface input that amount of money interface submodule 131 is provided authorizes the amount of money, amount of money interface submodule
The value data is supplied to payment module 120 by 131；
Step S300：Payment module 120 directly initiates three interaction flows in qPBOC flows with virtual card 110：（1）
Catalogue is applied in select PPSE selections；（2）Select app selection applications；（3）GPO command is sent, wherein in GPO command
It is required that the mandate amount of money obtained by payment module 120 from amount of money interface submodule 131, it is desirable to currency code, random number etc.
There is payment module 120 itself acquiescence generation；
Step S400：Virtual card 110 generates GPO result datas according to qPBOC flows, returns to payment module 120；
Step S500：GPO result datas are sent to TUI modules 130 by payment module 120, call the Quick Response Code in TUI modules 130
Submodule 132 generates the Quick Response Code displaying interface based on TUI；
Step S600：POS terminal 200 reads Quick Response Code by camera, thus obtains the GPO results from virtual card 110
Data, afterwards, change into the networking of card data message by GPO result datas and are sent to background system 300；
Step S700：Background system 300 completes to pay and payment result is returned into POS terminal according to card data message
200。
In this course, flow, data interaction and storage, data input output and showing interface etc. are performed due to whole
All under the TEE environment of mobile terminal, the amount of money and card branch are inputted thus, it is possible to the safety and its user for ensureing flow execution
Exchange order's data can not be changed.
In actual use, the Consumer's Experience of the offline payment method of the invention based on TEE is as follows：
User opens the related application of mobile terminal 1 00, and gold is paid needed for being inputted on the TUI inputting interfaces of mobile terminal 1 00
Quick Response Code is shown in volume, mobile terminal 1 00, the Quick Response Code is shown to shop assistant；
Shop assistant is swept into the Quick Response Code using the camera of POS terminal 200, and online grade background system 300 returns to payment result and is
Can.
Compared with the HCE of traditional NFC modes is paid, realized and HCE branch by the virtual card in TEE in the present invention
Pay the same qPBOC flows, it is ensured that user can still be paid in the case of mobile terminal failed cluster, simultaneously as whole
Individual payment flow is with interacting all under TEE, and compared to HCE, security is lifted.In addition, make use of TEE TUI safety
Interaction capabilities, the GPO result datas that can use the Quick Response Code mode based on TUI to generate card are without non-switched road
POS terminal is sent to, so as to suitable for all non-NFC mobile phones.
POS terminal under such a pattern compares the POS terminal in original HCE payment modes, with need not on mobile phone interaction
Non-switched letter facility is further provided with, without interacting qPBOC flow commands back and forth with mobile phone, thus, POS terminal is without realizing
QPBOC functions.In addition, the GPO result datas read in using camera from mobile phone barcode scanning meet qPBOC flows because being still
, so POS terminal is without change and the payment interaction flow of background system, this all undoubtedly reduces the software of POS terminal
Implementation complexity and certification difficulty, can also be used in more POS terminals, can reduce the POS terminal cost of trade company.
Payment system and method for payment are based on virtual mode card under the line based on TEE of the invention described above（Main frame snap gauge
Formula）Realize, the difference with existing virtual mode card is, existing virtual card is to simulate card based on the application on Android
Function, security is relatively low, and the virtual mode card of this present invention is to simulate card function based on TEE, and security is relative
Higher, certainly, security highest is to use entity SE, but described in as before, using this pattern of SE in deployment with runing
Underaction.But, for the inventive point of the present invention, virtual mode card is not necessarily used to, for entity SE moulds
Formula, is equally applicable.Then, such variation for the present invention is illustrated.
Variation
Although what the present invention realized qPBOC card flow elements described in the above is the virtual card realized under TEE,
For actual SE, such as possesses the entity SE of qPBOC functions（Such as SSD cards etc.）, can also be applicable the technology thing of the present invention
.Then, illustrated for such variation.
Payment system possesses under the line based on TEE of the variation of the present invention：
Mobile terminal, the card flow for realizing card function and realizing qPBOC is inputted there is provided user input interface to user
Data processing after showed in Quick Response Code form；
POS terminal, for obtaining the data for the Quick Response Code form that mobile terminal shows and converting the data into card data
Message is sent to background system；And
Background system, for completing to pay according to card data message and result being returned into POS terminal.
Wherein, mobile terminal possesses under TEE environment：
Entity SE, the card flow for realizing qPBOC；
Payment module, is interacted for realizing with the qPBOC of entity SE flow；And
TUI modules, for providing user input interface and the data that user inputs being sent into the payment module, simultaneously will
The data obtained from the payment module are showed in Quick Response Code form.Here, TUI modules possess：Financial quarters's face module,
For providing user's amount of money inputting interface and the value data that user inputs being sent into the payment module；And Quick Response Code
Submodule, for the data obtained from the payment module to be showed in Quick Response Code form.
Payment system and method for payment under the line based on TEE of the present invention, can be efficiently solved in non-NFC mobile phone
The problem of qPBOC is paid can not be used, is the strong supplement to being paid under existing HCE lines.On Consumer's Experience, compared to existing
HCE lines under pay, while it is desirable to user's this process of the additional input amount of money on mobile phone so that in convenience and payment speed
On relatively almost, but do not lose convenience still, and plus the advantage that it can be in all mobile phones with being all adapted to extensively on POS, energy
Effectively promote the fast development based on qPBOC mobile payments.
It is whole that example above primarily illustrates payment system and method for payment and movement under the line based on TEE of the invention
End.Although only the embodiment to some of present invention is described, those of ordinary skill in the art should
Understand, the present invention can be without departing from its spirit with implementing in scope in many other forms.Therefore, the example that is shown with
Embodiment is considered as illustrative and not restrictive, is not departing from the present invention spirit as defined in appended claims
And in the case of scope, the present invention may cover various modifications and replacement.
Claims (13)
1. payment system under a kind of line based on TEE, it is characterised in that possess：
Mobile terminal, the card flow for realizing card function and realizing qPBOC is inputted there is provided user input interface to user
Data processing after showed in Quick Response Code form；
POS terminal, for obtaining the data for the Quick Response Code form that the mobile terminal shows and converting the data into card
Data message is sent to background system；And
Background system, for completing to pay according to the card data message and result being returned into POS terminal.
2. payment system under the line as claimed in claim 1 based on TEE, it is characterised in that
The mobile terminal possesses under TEE environment：
Virtual card, simulated implementation card function and the card flow for realizing qPBOC；
Payment module, is realized based on the data from following TUI modules and interacts and export with the qPBOC of virtual card flow
Payment data；And
The data that user inputs there is provided user input interface and are sent to the payment module by TUI modules, while will be from institute
The payment data for stating payment module acquisition is showed in Quick Response Code form.
3. payment system under the line as claimed in claim 2 based on TEE, it is characterised in that
The intercommunication ability provided between the virtual card and the payment module using TEE realizes that qPBOC flow is interacted.
4. payment system under the line as claimed in claim 2 or claim 3 based on TEE, it is characterised in that
The TUI modules possess：
The value data that user inputs there is provided user's amount of money inputting interface and is sent to the payment by financial quarters's face module
Module；And
Quick Response Code submodule, the payment data obtained from the payment module is showed in Quick Response Code form.
5. payment system under the line as claimed in claim 1 based on TEE, it is characterised in that
The mobile terminal possesses under TEE environment：
Entity SE, the card flow for realizing qPBOC；
Payment module, according to the data of following TUI modules, realization interacts with the qPBOC of entity SE flow and exports branch
Pay data；And
TUI modules, for providing user input interface and the data that user inputs being sent into the payment module, simultaneously will
The payment data obtained from the payment module is showed in Quick Response Code form.
6. payment system under the line as claimed in claim 5 based on TEE, it is characterised in that
The TUI modules possess：
Financial quarters's face module, for providing user's amount of money inputting interface and being sent to the value data that user inputs described
Payment module；And
Quick Response Code submodule, for the payment data obtained from the payment module to be showed in Quick Response Code form.
7. a kind of mobile terminal, it is characterised in that
For realizing card function and realizing qPBOC card flow there is provided user input interface, by the data returned from card with two
Dimension code form is showed.
8. mobile terminal as claimed in claim 7, it is characterised in that
The mobile terminal possesses under TEE：
Virtual card, simulated implementation card function and the card flow for realizing qPBOC；
Payment module, is realized based on the data from following TUI modules and interacts and export with the qPBOC of virtual card flow
Payment data；And
TUI modules, the payment module is sent to for user input interface and by the data that user inputs, while will be from described
The payment data that payment module is obtained is showed in Quick Response Code form.
9. mobile terminal as claimed in claim 8, it is characterised in that
The TUI modules possess：
Financial quarters's face module, for providing user's amount of money inputting interface and being sent to the value data that user inputs described
Payment module；And
Quick Response Code submodule, for the payment data obtained from the payment module to be showed in Quick Response Code form.
10. mobile terminal as claimed in claim 7, it is characterised in that
The mobile terminal possesses under TEE：
Entity SE, the card flow for realizing qPBOC；
Payment module, is realized based on the data from following TUI modules and interacts and export with the qPBOC of entity SE flow
Payment data；And
TUI modules, for providing user input interface and the data that user inputs being sent into the payment module, simultaneously will
The payment data obtained from the payment module is showed in Quick Response Code form.
11. mobile terminal as claimed in claim 10, it is characterised in that
The TUI modules possess：
Financial quarters's face module, for providing user's amount of money inputting interface and being sent to the value data that user inputs described
Payment module；And
Quick Response Code submodule, for the data obtained from the payment module to be showed in Quick Response Code form.
12. a kind of offline payment method based on TEE, is realized, its feature using mobile terminal, POS terminal and background system
It is, comprises the steps：
Amount of money input step, mobile terminal displaying amount of money interface, at amount of money interface, input authorizes the amount of money to user；
Quick Response Code generation step, mobile terminal is based on authorizing amount of money generation GPO result datas, and based on the generation of GPO result datas
Quick Response Code is simultaneously shown；
Quick Response Code read step, POS terminal reads Quick Response Code, thus obtains GPO result datas；And
Pay complete step, POS terminal by GPO result datas change into card data message networking be sent to background system with complete branch
Pay.
13. the offline payment method as claimed in claim 12 based on TEE, it is characterised in that
The Quick Response Code generation step includes following sub-steps：
Mobile terminal is automatically generated in GPO command based on the mandate amount of money in the mandate amount of money generation GPO command, mobile terminal
Currency code；
Mobile terminal is based on GPO command and generates GPO result datas with qPBOC flows；And
Mobile terminal generates Quick Response Code according to GPO result datas and shown.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611242841.9A CN106980972B (en) | 2016-12-29 | 2016-12-29 | TEE-based offline payment method, payment system and mobile terminal |
| PCT/CN2017/117343 WO2018121366A1 (en) | 2016-12-29 | 2017-12-20 | Tee-based offline payment method, payment system thereof and mobile terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611242841.9A CN106980972B (en) | 2016-12-29 | 2016-12-29 | TEE-based offline payment method, payment system and mobile terminal |
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| Publication Number | Publication Date |
|---|---|
| CN106980972A true CN106980972A (en) | 2017-07-25 |
| CN106980972B CN106980972B (en) | 2021-02-02 |
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| CN201611242841.9A Active CN106980972B (en) | 2016-12-29 | 2016-12-29 | TEE-based offline payment method, payment system and mobile terminal |
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| WO (1) | WO2018121366A1 (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
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| CN108009822A (en) * | 2018-01-02 | 2018-05-08 | 中国工商银行股份有限公司 | A kind of cloud method of payment, system and payment mechanism, user terminal |
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| WO2018121366A1 (en) | 2018-07-05 |
| CN106980972B (en) | 2021-02-02 |
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