CN106980981B - on-line card payment method and payment system of internet of things payment card - Google Patents
on-line card payment method and payment system of internet of things payment card Download PDFInfo
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- CN106980981B CN106980981B CN201710216858.5A CN201710216858A CN106980981B CN 106980981 B CN106980981 B CN 106980981B CN 201710216858 A CN201710216858 A CN 201710216858A CN 106980981 B CN106980981 B CN 106980981B
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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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
- G06Q20/409—Device specific authentication in transaction processing
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Abstract
The invention discloses an online card payment method and a payment system of payment cards of Internet of things, wherein the online card payment method of the payment cards of Internet of things comprises the steps of S1 sending a transaction authentication request to the payment cards of Internet of things by a payment platform, S2 receiving the transaction authentication request sent by the payment platform by the payment cards of Internet of things, S3 confirming whether a transaction needs to be accepted according to the transaction authentication request received by the payment cards of Internet of things and forming a transaction authentication request result, S4 feeding back the transaction authentication request result to the payment platform by the payment cards of Internet of things, and S5 receiving the transaction authentication request result by the payment platform and confirming whether the transaction is carried out according to the transaction authentication request result.
Description
Technical Field
The invention relates to the technical field of payment of bank cards, in particular to an online card payment method and an online card payment system of payment cards of the Internet of things.
Background
The current on-line payment process of the bank card is that the bank card is firstly bound with a payment platform such as a payment treasure or a WeChat, and when the payment is needed, only a password of the payment treasure or the WeChat needs to be input, and the entity card only participates in the process of being bound with the payment platform such as the payment treasure or the WeChat in the whole on-line payment process, so that the safety performance of the entity card is completely abandoned in the subsequent use process, the security performance is ensured only by depending on the safety of the payment platform such as the payment treasure or the WeChat, and when the platform containing the payment function such as the payment treasure or the WeChat of the user is attacked and broken through, the situation that the fund in the bank card is stolen is often caused.
Disclosure of Invention
The invention aims to provide an online card payment method and system for payment cards of the Internet of things, which are used for avoiding the situation that funds in the cards are stolen and swiped when the bank cards are in the hands of users.
In order to achieve the purpose, the online card payment method and the online card payment system of the payment card of the internet of things adopt the following technical scheme:
on-line card payment method of payment card of internet of things, comprising:
step S1: the payment platform sends a transaction authentication request to the payment card of the Internet of things;
step S2: the payment card of the Internet of things receives a transaction authentication request sent by a payment platform;
step S3: confirming whether the transaction needs to be accepted or not according to the transaction authentication request received on the payment card of the Internet of things, and forming a transaction authentication request result;
step S4: the Internet of things payment card feeds back the transaction authentication request result to the payment platform;
step S5: and the payment platform receives the transaction authentication request result and confirms whether to carry out transaction according to the transaction authentication request result.
The online card payment method for the payment card of the internet of things as described above, preferably, before step S1, the online card payment method further includes:
step S01: shopping commodities from an internet shopping mall on internet equipment, and initiating a payment order request to a payment platform;
step S02: the payment platform receives the payment order request and feeds back a transaction authentication request to the Internet equipment;
step S03: the internet equipment receives and displays the transaction authentication request to the user;
step S04: the user inputs related information of the payment card of the internet of things in the internet equipment according to the transaction authentication request displayed by the internet equipment;
step S05: the internet equipment sends related information of the internet of things payment card to the payment platform;
step S06: the payment platform receives the related information of the payment card of the internet of things sent by the equipment of the internet of things, and establishes wireless connection based on communication of the internet of things with the payment card of the internet of things.
The online card payment method for the payment card of the internet of things as described above, wherein preferably, the step S06 specifically includes:
step S061: the method comprises the steps that an internet of things payment card sends network access information containing information of the internet of things payment card to an internet of things base station;
step S062: the Internet of things base station receives the network access information and sends the network access information to an Internet of things equipment management platform;
step S063: the Internet of things equipment management platform receives the network access information and sends the network access information to the payment platform;
step S064: the payment platform receives the network access information;
step S065: the payment platform receives related information of the payment card of the internet of things sent by the internet of things equipment, matches the received networking information, and establishes communication connection with the payment card of the internet of things corresponding to the networking information which is successfully matched.
The online card payment method for the payment card of the internet of things as described above, wherein preferably, the step S1 specifically includes:
step S11: the payment platform sends a transaction authentication request to the Internet of things equipment management platform;
step S12: the Internet of things equipment management platform receives the transaction authentication request and sends the transaction authentication request to the Internet of things base station;
step S13: and the base station of the Internet of things receives the transaction authentication request and sends the transaction authentication request to the payment card of the Internet of things.
The online card payment method for the payment card of the internet of things as described above, wherein preferably, the step S4 specifically includes:
step S41: the payment card of the Internet of things sends the transaction authentication request result to the base station of the Internet of things;
step S42: the base station of the Internet of things receives the transaction authentication request result and sends the transaction authentication request result to the equipment management platform of the Internet of things;
step S43: and the Internet of things equipment management platform receives the transaction authentication result and sends the transaction authentication result to the payment platform.
an online card payment system of internet of things payment cards, comprising:
the payment platform is used for sending a transaction authentication request, receiving a transaction authentication request result and confirming whether to perform transaction;
the payment card of the internet of things is used for receiving the transaction authentication request sent by the payment platform, confirming the transaction authentication request to form a transaction authentication request result, and feeding back the transaction authentication request result to the payment platform.
The online payment system with the card for the payment card of the internet of things as described above, wherein preferably, the payment card of the internet of things includes an internet of things antenna integrated inside the card, and the internet of things payment card communicates with the payment platform through the internet of things antenna.
As described above, the online card payment system for the payment card of the internet of things preferably further includes:
the system comprises an Internet device, a payment platform and a payment server, wherein a user purchases commodities from an Internet shopping mall on the Internet device and initiates a payment order request to the payment platform;
the payment platform receives the payment order request and feeds back a transaction authentication request to the Internet equipment;
the internet equipment receives and displays the transaction authentication request to the user;
the user inputs related information of the payment card of the internet of things in the internet equipment according to the transaction authentication request displayed by the internet equipment;
the internet equipment sends related information of the internet of things payment card to the payment platform;
the payment platform receives the related information of the payment card of the internet of things sent by the equipment of the internet of things, and establishes wireless connection based on communication of the internet of things with the payment card of the internet of things.
The online payment system with the card for the payment card of the internet of things is described above, wherein preferably, the payment card of the internet of things sends network access information containing information of the payment card of the internet of things to the base station of the internet of things;
the Internet of things base station receives the network access information and sends the network access information to an Internet of things equipment management platform;
the Internet of things equipment management platform receives the network access information and sends the network access information to the payment platform;
the payment platform receives the network access information;
the payment platform receives related information of the payment card of the internet of things sent by the internet of things equipment, matches the received network access information, and establishes communication connection with the payment card of the internet of things corresponding to the network access information which is successfully matched.
As described above, the online card payment system for the payment card of the internet of things, wherein preferably, the sending of the transaction authentication request to the payment card of the internet of things by the payment platform specifically includes:
and the payment platform sends a transaction authentication request to the payment card of the Internet of things through the equipment management platform of the Internet of things and the base station of the Internet of things.
When the payment card is used, the payment card of the internet of things needs to participate in the payment card of the internet of things, the payment card of the internet of things is used as types of bank cards, the payment card of the internet of things has a higher security anti-counterfeiting authentication function, the payment card of the internet of things participates in the process of online payment, namely the security anti-counterfeiting authentication function of the payment card of the internet of things is used, so that the security level of a user account is improved, and the situation that the fund in the card is stolen and swiped when the bank card is held by a.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained based on these drawings without creative efforts.
Fig. 1 is a schematic view of a payment system of an online card payment method of an internet of things payment card according to an embodiment of the present invention.
Fig. 2 is a schematic structural view of an internet of things payment card of an online card payment method of the internet of things payment card according to an embodiment of the present invention;
fig. 3 is a schematic view of a payment process of an online card payment method of an internet of things payment card according to an embodiment of the present invention.
Description of reference numerals:
1-card 2-Internet of things network antenna 3-Internet of things communication chip
4-main control chip 5-safety storage chip 6-transaction key
Detailed Description
The technical solutions in the embodiments of the present invention will be described clearly and completely with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all embodiments of the present invention.
Example
The payment system of payment cards with cards on line is provided by the embodiment of the invention and is shown in fig. 1-2, the payment system comprises internet equipment, an internet of things equipment management platform, an internet of things base station, a payment platform and an internet of things payment card, the internet equipment can be various computing equipment, such as a mobile phone, a PAD and other mobile terminals or computers, the internet of things equipment management platform and the payment platform can be computing equipment or software running on the computing equipment, the internet of things base station and the internet of things payment card realize communication based on the internet of things, the structure of the internet of things payment card is shown in fig. 2, the payment card comprises an internet of things network antenna 2, an internet of things communication chip 3, a main control chip 4, a safe storage chip 5 and a transaction key 6, wherein the internet of things communication device consisting of the internet of things network antenna 2 and the internet of things communication chip 3 is used for realizing data interaction between the internet of things payment card and the payment platform based on the internet of things, the internet of things payment card and the payment platform based on-of things payment card are received and sent by the main control chip 4 through the internet of things communication device, the safe storage chip 5 stores own safe information, and the.
In the embodiment, a user selects and purchases commodities from a shopping mall of the internet device, an order payment request is formed in a payment platform, meanwhile, the payment platform sends a transaction authentication request to the internet of things payment card, the user determines whether to approve the transaction by operating a transaction key 6 in the internet of things payment card, a transaction authentication request result is formed by a safety storage chip 5 through self operation according to the selection of the user and is fed back to the payment platform through a main control chip 4, and the payment platform finally determines whether to carry out the transaction according to the received transaction authentication request result.
The communication between the payment card of the internet of things and the payment platform is completed through the internet of things, specifically, the payment platform sends data needing interaction to the equipment management platform of the internet of things, the equipment management platform of the internet of things receives the data needing interaction and sends the data needing interaction to the base station of the internet of things, the base station of the internet of things finally sends the data needing interaction to the payment card of the internet of things, and the payment card of the internet of things is internally integrated with the internet of things network antenna 2 and the communication chip 3 of the internet of things.
Example two
The working method of the internet of things payment system is described below, namely, the online card payment method of the internet of things payment card specifically comprises the following steps:
step S01: goods are purchased from an internet shopping mall on the internet device and a payment order request is initiated to the payment platform. The internet equipment and the payment platform are in information transmission through the internet. Those skilled in the art will appreciate that the payment platform may be a third party payment platform with payment functionality or a bank's own payment platform that supports paypal and wechat.
Step S02: and the payment platform receives the payment order request and feeds back a transaction authentication request to the Internet equipment.
Step S03: the internet device receives and presents the transaction authentication request to the user.
Through the three steps, the commodities selected by the user form a transaction authentication request, and in the traditional payment process, the transaction can be completed only by inputting the transaction password of the payment platform, obviously, the anti-counterfeiting authentication function of the entity bank card is completely abandoned without the participation of the entity bank card in the traditional online transaction process, so that the safety performance of the user account is reduced.
Step S04: and the user inputs the related information of the payment card of the internet of things in the internet equipment according to the transaction authentication request displayed by the internet equipment. Specifically, the related information of the payment card of the internet of things comprises information which can represent the payment card of the internet of things, such as a card number, a security code, a validity period and the like. The technical personnel in the field can understand that the relevant information of the payment card of the internet of things can be stored in the payment platform and can be directly called out when the payment card is needed to be used next time, so that the time of a user can be saved.
Step S05: and the internet equipment sends the related information of the internet of things payment card to the payment platform.
Step S06: the payment platform receives the related information of the payment card of the internet of things sent by the equipment of the internet of things, and establishes wireless connection based on communication of the internet of things with the payment card of the internet of things.
The payment platform receives the networking information containing the characteristics of the payment card of the internet of things and the related information of the payment card of the internet of things sent by the equipment of the internet of things, and matches the information of the networking information and the related information of the payment card of the internet of things, when the matching is successful, the communication connection based on the internet of things between the payment card of the internet of things and the payment card of the internet of things is established, namely an information interaction channel is established between the payment platform and the payment card of the internet of things, and the accuracy and the single of the information interaction channel established in the way can be ensured, so , the payment platform can accurately send a transaction request to the payment card of the internet of things.
As shown in fig. 3, the online card payment method for internet of things payment includes: step S1: and the payment platform sends a transaction authentication request to the payment card of the Internet of things.
Specifically, the payment platform sends a transaction authentication request to the internet of things equipment management platform, the internet of things equipment management platform receives the transaction authentication request and sends the transaction authentication request to the internet of things base station, and the internet of things base station receives the transaction authentication request and sends the transaction authentication request to the internet of things payment card. Therefore, the payment platform completes the process of sending the transaction authentication request to the payment card of the internet of things through the internet of things.
Step S2: and the payment card of the Internet of things receives the transaction authentication request sent by the payment platform.
Step S3: and confirming whether the transaction needs to be accepted or not according to the transaction authentication request received on the payment card of the Internet of things, and forming a transaction authentication request result.
Specifically, the user needs to operate the internet of things payment card, finally determines whether the transaction information is correct, determines whether to receive the transaction, and generates a transaction authentication request result by using the internet of things payment card according to the selection or input of the user and the operation of the security anti-counterfeiting function of the user. Those skilled in the art can understand that the payment card of the internet of things further comprises a display screen capable of displaying transaction information, the display screen can display related information such as transaction amount, and a user can check the related transaction information such as the transaction amount to ensure the accuracy of the transaction. Meanwhile, a transaction key for confirming or canceling the transaction is further arranged in the payment card of the internet of things and used for selecting whether the transaction is carried out or not for the user. In the process, the payment card of the internet of things participates in the online payment process, so that the anti-counterfeiting authentication function of the payment card of the internet of things can be used, and the safety guarantee of a user account is improved.
Step S4: and the Internet of things payment card feeds back the transaction authentication request result to the payment platform.
Specifically, the payment card of the internet of things sends a transaction authentication request result to the base station of the internet of things; the base station of the Internet of things receives the transaction authentication request result and sends the transaction authentication request result to the equipment management platform of the Internet of things; and the Internet of things equipment management platform receives the transaction authentication result and sends the transaction authentication result to the payment platform.
Step S5: and the payment platform receives the transaction authentication request result and confirms whether to carry out transaction according to the transaction authentication request result.
Specifically, the payment platform judges whether the transaction request authentication result is correct or not, if so, the transaction is carried out and the transaction completion information is displayed on the Internet equipment; and if not, displaying error information on the Internet equipment. Those skilled in the art can understand that when the result of the transaction request is judged to be correct, the transaction is carried out, namely, the user finishes shopping from the internet mall, and when the result of the transaction request is judged to be incorrect, the user can modify or directly finish the transaction according to the error prompt displayed by the internet equipment.
In this embodiment, when the user uses the internet of things payment card to pay online, compare with the online payment of traditional bank card, the biggest difference is that the internet of things payment card is required to participate in the whole payment process, and because the bank card has set up self security anti-counterfeiting authentication function when leaving the factory, and in order to guarantee the safety of user's account, the security level of this security anti-counterfeiting authentication function is very high, consequently in the online payment process of traditional bank card, give up the security anti-counterfeiting authentication function of bank card self, be equivalent to the security level that has reduced user's account to a great extent. The internet of things payment card in the embodiment needs to participate in the online payment process, so that the security anti-counterfeiting authentication function of the internet of things payment card can be used, the security level of a user account is improved, and the situation that the fund in the card is stolen and swiped on the body of the bank card is avoided.
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 (10)
1, online card payment methods of internet of things payment cards, comprising:
step S1: the payment platform sends a transaction authentication request to the payment card of the Internet of things;
step S2: the payment card of the Internet of things receives a transaction authentication request sent by a payment platform;
step S3: confirming whether the transaction needs to be accepted or not according to a transaction authentication request received on the payment card of the Internet of things, displaying the transaction authentication request for checking through a display screen of the payment card of the Internet of things, and confirming whether the transaction is continued or not through a transaction key of the payment card of the Internet of things after checking; after confirming that the transaction is continued, generating a transaction authentication request result by using the self security anti-counterfeiting function operation of the payment card of the Internet of things;
step S4: the Internet of things payment card feeds back the transaction authentication request result to the payment platform;
step S5: and the payment platform receives the transaction authentication request result and confirms whether to carry out transaction according to the transaction authentication request result.
2. The online card payment method for the payment card of the internet of things of claim 1, further comprising, before step S1:
step S01: shopping commodities from an internet shopping mall on internet equipment, and initiating a payment order request to a payment platform;
step S02: the payment platform receives the payment order request and feeds back a transaction authentication request to the Internet equipment;
step S03: the internet equipment receives and displays the transaction authentication request to the user;
step S04: the user inputs related information of the payment card of the internet of things in the internet equipment according to the transaction authentication request displayed by the internet equipment;
step S05: the internet equipment sends related information of the internet of things payment card to the payment platform;
step S06: the payment platform receives the related information of the payment card of the internet of things sent by the equipment of the internet of things, and establishes wireless connection based on communication of the internet of things with the payment card of the internet of things.
3. The online card payment method for the payment card of the internet of things of claim 2, wherein the step S06 specifically comprises:
step S061: the method comprises the steps that an internet of things payment card sends network access information containing information of the internet of things payment card to an internet of things base station;
step S062: the Internet of things base station receives the network access information and sends the network access information to an Internet of things equipment management platform;
step S063: the Internet of things equipment management platform receives the network access information and sends the network access information to the payment platform;
step S064: the payment platform receives the network access information;
step S065: the payment platform receives related information of the payment card of the internet of things sent by the internet of things equipment, matches the received networking information, and establishes communication connection with the payment card of the internet of things corresponding to the networking information which is successfully matched.
4. The online card payment method for the payment card of the internet of things of claim 1, wherein the step S1 specifically comprises:
step S11: the payment platform sends a transaction authentication request to the Internet of things equipment management platform;
step S12: the Internet of things equipment management platform receives the transaction authentication request and sends the transaction authentication request to the Internet of things base station;
step S13: and the base station of the Internet of things receives the transaction authentication request and sends the transaction authentication request to the payment card of the Internet of things.
5. The online card payment method for the payment card of the internet of things of claim 1, wherein the step S4 specifically comprises:
step S41: the payment card of the Internet of things sends the transaction authentication request result to the base station of the Internet of things;
step S42: the base station of the Internet of things receives the transaction authentication request result and sends the transaction authentication request result to the equipment management platform of the Internet of things;
step S43: and the Internet of things equipment management platform receives the transaction authentication result and sends the transaction authentication result to the payment platform.
6, kind of thing networking payment card have card payment system on line, its characterized in that includes:
the payment platform is used for sending a transaction authentication request, receiving a transaction authentication request result and confirming whether to perform transaction;
the payment card of the internet of things is used for receiving the transaction authentication request sent by the payment platform, confirming the transaction authentication request, displaying the transaction authentication request through a display screen of the payment card of the internet of things for checking, and confirming whether to continue to perform transaction through a transaction key of the payment card of the internet of things after checking; after confirming that the transaction is continued, generating the transaction by using the self security anti-counterfeiting function operation of the payment card of the Internet of things; and generating a transaction authentication request result by using the self security anti-counterfeiting function operation of the payment card of the Internet of things, and feeding the transaction authentication request result back to the payment platform.
7. The on-line card payment system of an internet of things payment card of claim 6, wherein the internet of things payment card comprises an internet of things antenna integrated inside the card, and the internet of things payment card communicates with the payment platform through the internet of things antenna.
8. The internet-of-things payment card online card payment system of claim 6, further comprising:
the system comprises an Internet device, a payment platform and a payment server, wherein a user purchases commodities from an Internet shopping mall on the Internet device and initiates a payment order request to the payment platform;
the payment platform receives the payment order request and feeds back a transaction authentication request to the Internet equipment;
the internet equipment receives and displays the transaction authentication request to the user;
the user inputs related information of the payment card of the internet of things in the internet equipment according to the transaction authentication request displayed by the internet equipment;
the internet equipment sends related information of the internet of things payment card to the payment platform;
the payment platform receives the related information of the payment card of the internet of things sent by the equipment of the internet of things, and establishes wireless connection based on communication of the internet of things with the payment card of the internet of things.
9. The on-line card payment system of the payment card of the internet of things of claim 8, wherein the payment card of the internet of things sends network access information containing information of the payment card of the internet of things to a base station of the internet of things;
the Internet of things base station receives the network access information and sends the network access information to an Internet of things equipment management platform;
the Internet of things equipment management platform receives the network access information and sends the network access information to the payment platform;
the payment platform receives the network access information;
the payment platform receives related information of the payment card of the internet of things sent by the internet of things equipment, matches the received network access information, and establishes communication connection with the payment card of the internet of things corresponding to the network access information which is successfully matched.
10. The internet-of-things payment card online card payment system of claim 8, wherein the sending of the transaction authentication request to the internet-of-things payment card by the payment platform specifically comprises:
and the payment platform sends a transaction authentication request to the payment card of the Internet of things through the equipment management platform of the Internet of things and the base station of the Internet of things.
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