CN107392588A - A kind of payment mechanism and its implementation based on signaling network - Google Patents

A kind of payment mechanism and its implementation based on signaling network Download PDF

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Publication number
CN107392588A
CN107392588A CN201710474328.0A CN201710474328A CN107392588A CN 107392588 A CN107392588 A CN 107392588A CN 201710474328 A CN201710474328 A CN 201710474328A CN 107392588 A CN107392588 A CN 107392588A
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CN
China
Prior art keywords
data
module
signaling
communication
secure
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201710474328.0A
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Chinese (zh)
Inventor
朱旗
王根平
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Shenzhen Happy Online Technology Development Co Ltd
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Shenzhen Happy Online Technology Development Co Ltd
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Filing date
Publication date
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Priority to CN201710474328.0A priority Critical patent/CN107392588A/en
Publication of CN107392588A publication Critical patent/CN107392588A/en
Pending legal-status Critical Current

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/206Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/202Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/04Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0428Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/08Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0823Network architectures or network communication protocols for network security for authentication of entities using certificates
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/08Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
    • H04L9/0816Key establishment, i.e. cryptographic processes or cryptographic protocols whereby a shared secret becomes available to two or more parties, for subsequent use
    • H04L9/0819Key transport or distribution, i.e. key establishment techniques where one party creates or otherwise obtains a secret value, and securely transfers it to the other(s)
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/08Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
    • H04L9/0816Key establishment, i.e. cryptographic processes or cryptographic protocols whereby a shared secret becomes available to two or more parties, for subsequent use
    • H04L9/0819Key transport or distribution, i.e. key establishment techniques where one party creates or otherwise obtains a secret value, and securely transfers it to the other(s)
    • H04L9/0822Key transport or distribution, i.e. key establishment techniques where one party creates or otherwise obtains a secret value, and securely transfers it to the other(s) using key encryption key
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W12/00Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/02Protecting privacy or anonymity, e.g. protecting personally identifiable information [PII]
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W76/00Connection management
    • H04W76/10Connection setup
    • H04W76/14Direct-mode setup

Abstract

The invention discloses a kind of payment mechanism based on signaling network, it is characterised in that including:Signalling module, interacted for carrying out signaling data with backstage;Communication module, for obtaining the signaling data on backstage;Secure payment module, the signaling data for being received to communication module carry out data safe processing and form Secure data information, carry out corresponding delivery operation.The present invention also provides a kind of implementation method of the payment mechanism based on signaling network.The present invention realizes the safe transmission of transaction data, and after the real-time authentication of user and businessman both sides, user and businessman establish escape way pipeline, ensure process of exchange safety.

Description

A kind of payment mechanism and its implementation based on signaling network
Technical field
The present invention relates to pay applied technical field, and in particular to a kind of payment mechanism and its realization based on signaling network Method.
Background technology
With the development of science and technology, the increasing means of payment is essential as people's transaction such as do shopping, transfer accounts Instrument, the appearance of POS so that in process of exchange, be traded by way of swiping the card, it is not necessary to direct using cash Transaction, avoid needs to carry buckets of cash in shopping or process of exchange, improves safety trip.
And there is potential safety hazard and also become increasingly conspicuous in widely using with POS, POS:Used in traditional POS During, from user perspective, problems be present:1st, whole transactional operation is completed on the POS that businessman provides, particularly defeated Access customer cryptographic processes are also completed on the businessman POS, if illegal businessman provides illegal POS, Unionpay just occur very much The problems such as full card;2nd, the bankcard consumption on traditional POS, card belongs to offline product entirely for the Unionpay of user, can not be carried in time for user For detailed consumption information.
With the development of mobile phone technique, barcode scanning pays and pays most important side under the processing line for also turning into major Third-party payment Formula, but many problems be present in which:1st, Quick Response Code can be replicated, and cause user to pay the businessman of mistake;2nd, it is two-dimentional Code belongs to unilateral authentication, only user authentication businessman, and businessman belongs to off-line state in payment process.3rd, belong to a kind of pure mutual Networking is paid, and the problem of many practical inconvenient be present.
The content of the invention
In view of the above-mentioned deficiencies in the prior art, the technical problem to be solved by the present invention is that providing one kind is based on signaling The payment mechanism and its implementation of network.
In order to achieve the above object, the present invention is achieved using following technical scheme:
A kind of payment mechanism based on signaling network, it is characterised in that including:
Signalling module, interacted for carrying out signaling data with backstage;
Communication module, for obtaining the signaling data on backstage;
Secure payment module, the signaling data for being received to communication module carry out data safe processing and form secure data Information, carry out corresponding delivery operation.
Further, in addition to:
Display module, the signaling data on the backstage got for showing communication module;
Input module, for inputting respective pay operation information to secure payment module.
Further, the signaling data includes:Dynamic password, device certificate, service certificate, communication key, safe machine Data processed, signaling table.
Further, in addition to memory module, the memory module are connected with secure payment module, to carrying out data safety Secure data information after processing is stored.
Further, the communication module is using wireless communication modes such as NFC, BLE, zigbee, wifi, 5.8G.
A kind of implementation method of the payment mechanism based on signaling network, comprises the following steps:
Create secure communication channel;
Carry out service application interaction.
Further, also include before the establishment secure communication channel:
Communication link application is called, the calling communication link application specifically includes:
Read the certificate of the communication link application transferred;
The legitimacy of the Application Certificate of the reading, judge the legitimacy of the application;
After judging that the application is legal, secure communication channel is created, performs the communication encryption of correlation.
Further, the establishment secure communication channel, it is specially:
Data channel is established by communication module and backstage, carrying out signaling data with backstage by signalling module interacts, and Safe handling is carried out to signaling data by secure payment module.
Further, the signaling data includes:Dynamic password data, service authentication data, device authentication data, communication Key data, security mechanism data, identification authentication data, service interaction management data, service data.
Further, the communication module uses NFC, BLE, zigbee, wifi, 5.8G wireless communication mode.
Present invention has the advantages that:
The backstage of the present invention is business authentication, the processing center of authentication, and interactive service data is managed and deposited Storage, there is provided sig data information, send service interaction request to processing terminal, service interaction is established after confirming by processing terminal Processing terminal, is now connected by link with payment mechanism, by carrying out operating finishing service interaction, processing terminal to payment mechanism Business processing data are transferred to backstage in real time while being interacted with payment mechanism, so for backstage trade company and front-end customer Service interaction information can be understood in real time, improve the security of information exchange;Signalling exchange information passes through processing caused by backstage The Signalling exchange module of terminal carries out secure data processing and carries out information protection to it, further improves the safety of information transfer Property;Reach the safe transmission for realizing transaction data, after the real-time authentication of user and businessman both sides, user and businessman establish peace Full tunnel pipeline, ensure process of exchange safety.
Brief description of the drawings
Fig. 1 is a kind of payment mechanism structure chart based on signaling network proposed by the present invention;
Fig. 2 is a kind of implementation method flow chart of the payment mechanism based on signaling network proposed by the present invention.
Embodiment
Below in conjunction with the accompanying drawings and embodiment describes the specific embodiment of the invention:
It is a kind of payment mechanism structure chart based on signaling network proposed by the present invention referring to Fig. 1.
A kind of as shown in figure 1, payment mechanism based on signaling network, it is characterised in that including:
Signalling module 101, interacted for carrying out signaling data with backstage;
Communication module 102, for obtaining the signaling data on backstage;
Secure payment module 103, the signaling data for being received to communication module carry out data safe processing and form safety Data message, carry out corresponding delivery operation.
In the embodiment of the present invention, signaling data is carried out with backstage by signalling module and interacted, by communication module by signaling Data send secure payment module to, and secure payment module controls payment module to be propped up accordingly according to the signaling data of acquisition Pay operation.
Further, in addition to:Display module 104, the signaling data on the backstage got for showing communication module;With
Input module 105, for inputting respective pay operation information to secure payment module.
In the embodiment of the present invention, signaling data includes:Dynamic password, device certificate, service certificate, communication key, safety Mechanism data, signaling table.Secure payment module is used for dynamic password data, the business authentication number got to the communication module According to, device authentication data, communication key data, security mechanism data, identification authentication data, service interaction management data, service Data etc. carry out data safe processing;And handed over according to the service authentication data after safe handling, identification authentication data, business Mutually management data, service data etc., carry out communication interactive controlling input module progress be corresponding to input with payment module, according to this The corresponding input control payment module that input module is carried out carries out corresponding delivery operation etc..
Further, in addition to memory module 106, the memory module 106 is connected with secure payment module 103, to entering Secure data information after row data safe processing is stored.
Memory module is used for the control according to secure payment module, stores and carries out data safe processing through secure payment module Dynamic password data afterwards, service authentication data, device authentication data, communication key data, security mechanism data, authentication A kind of data or a variety of data in data, service interaction management data, service data etc..
Secure payment module is additionally operable to control memory module to store dynamic password data, the industry after data safe processing Business authentication data, device authentication data, communication key data, security mechanism data, identification authentication data, service interaction management number According to a kind of data in, service data etc. or a variety of data.Memory module can be independent module or be integrated in peace Functional module in full payment module.
A kind of payment mechanism based on signaling network provided by the invention, can be to realize to account charging, account transaction The terminal of the functions such as information inquiry, such as the electric terminal such as mobile phone, tablet personal computer, desktop computer or notebook computer;Can be with It is the payment terminal equipments such as Unionpay cellphones, POS;Safe handling is carried out to the signaling data of background transfer by signalling module, Communication key, encryption mechanism and signaling table are wherein set inside signalling module, pass through communication key, encryption mechanism and signaling table pair Interaction data is encrypted.Payment mechanism can be card structure, or other as square, circular, rectangles or Irregular shape;It can also be secure payment module, can be that secure payment bracelet etc. can be entered by card reading manner again Row service interaction, it can also be attached by wireless communication mode;Communication module carries out data communication interactive mode with backstage Using wireless communication modes such as NFC, BLE, zigbee, wifi, 5.8G so that more easily it is connected with payment mechanism from the background, and And communication data is encrypted by communication key, prevent communication data is stolen from causing damage.
Fig. 2 is a kind of implementation method flow chart of the payment mechanism based on signaling network proposed by the present invention.
Referring to Fig. 2, a kind of implementation method of the payment mechanism based on signaling network, comprise the following steps:
Step 201, secure communication channel is created;
Step 202, service application interaction is carried out.
Further, also include before the establishment secure communication channel:
Communication link application is called, the calling communication link application specifically includes:
Read the certificate of the communication link application transferred;
The legitimacy of the Application Certificate of the reading, judge the legitimacy of the application;
After judging that the application is legal, secure communication channel is created, performs the communication encryption of correlation.
Further, the establishment secure communication channel, it is specially:
Data channel is established by communication module and backstage, carrying out signaling data with backstage by signalling module interacts, and Safe handling is carried out to signaling data by secure payment module.
Further, the signaling data includes:Dynamic password data, service authentication data, device authentication data, communication Key data, security mechanism data, identification authentication data, service interaction management data, service data.
Further, the communication module uses NFC, BLE, zigbee, wifi, 5.8G wireless communication mode.
When need carry out service interaction realize pay when, first backstage according to interactive service produce service authentication data, with Identification authentication data caused by interactive payment mechanism, and the service authentication data and identification authentication data are stored and managed Reason, after establishing communication link with payment mechanism from the background, authentication is carried out, certification sends industry to payment mechanism from the background by rear Business request, payment mechanism are authenticated to service interaction again, and finishing service pays interaction.
Payment mechanism can be to realize to the terminals of the functions such as account charging, account transaction information inquiry, such as mobile phone, flat The electric terminals such as plate computer, desktop computer or notebook computer;It can also be the payment terminal equipments such as Unionpay cellphones, POS;It is logical Cross signalling module and safe handling is carried out to the signaling data of background transfer, communication key, encryption are wherein set inside signalling module Mechanism and signaling table, interaction data is encrypted by communication key, encryption mechanism and signaling table.Payment mechanism is card knot During structure, service interaction can be carried out by card reading manner, the business of realization can also be attached by wireless communication mode Interaction.
Communication module carries out data communication interactive mode with backstage and uses NFC, BLE, zigbee, wifi, 5.8G etc. wireless Communication modes.Pass through wireless communication mode so that more easily it is connected with payment mechanism from the background, and by communication key to logical News data are encrypted, and prevent communication data is stolen from causing damage.
The preferred embodiment for the present invention is explained in detail above in conjunction with accompanying drawing, but the invention is not restricted to above-mentioned implementation Mode, can also be on the premise of present inventive concept not be departed from those of ordinary skill in the art's possessed knowledge Make a variety of changes, these changes are related to correlation technique well-known to those skilled in the art, and these both fall within patent of the present invention Protection domain.
Many other changes and remodeling can be made by not departing from the spirit and scope of the present invention.It should be appreciated that the present invention is not It is limited to specific embodiment, the scope of the present invention is defined by the following claims.

Claims (10)

  1. A kind of 1. payment mechanism based on signaling network, it is characterised in that including:
    Signalling module, interacted for carrying out signaling data with backstage;
    Communication module, for obtaining the signaling data on backstage;
    Secure payment module, the signaling data for being received to communication module carry out data safe processing and form secure data letter Breath, carries out corresponding delivery operation.
  2. 2. a kind of payment mechanism based on signaling network according to claim 1, it is characterised in that also include:
    Display module, the signaling data on the backstage got for showing communication module;
    Input module, for inputting respective pay operation information to secure payment module.
  3. A kind of 3. payment mechanism based on signaling network according to claim 1, it is characterised in that the signaling data bag Include:Dynamic password, device certificate, service certificate, communication key, security mechanism data, signaling table.
  4. A kind of 4. payment mechanism based on signaling network according to claim 1, it is characterised in that also including memory module, The memory module is connected with secure payment module, and the Secure data information after progress data safe processing is stored.
  5. 5. a kind of payment mechanism based on signaling network according to claim 1, it is characterised in that the communication module uses The wireless communication modes such as NFC, BLE, zigbee, wifi, 5.8G.
  6. 6. a kind of implementation method of the payment mechanism based on signaling network, specifically includes following steps:
    Create secure communication channel;
    Carry out service application interaction.
  7. A kind of 7. implementation method of payment mechanism based on signaling network according to claim 6, it is characterised in that the wound Also include before building secure communication channel:
    Communication link application is called, the calling communication link application specifically includes:
    Read the certificate of the communication link application transferred;
    The legitimacy of the Application Certificate of the reading, judge the legitimacy of the application;
    After judging that the application is legal, secure communication channel is created, performs the communication encryption of correlation.
  8. A kind of 8. implementation method of payment mechanism based on signaling network according to claim 6, it is characterised in that the wound Secure communication channel is built, is specially:
    Data channel is established by communication module and backstage, carrying out signaling data with backstage by signalling module interacts, and passes through Secure payment module carries out safe handling to signaling data.
  9. A kind of 9. implementation method of payment mechanism based on signaling network according to claim 8, it is characterised in that the letter Data are made to include:Dynamic password data, service authentication data, device authentication data, communication key data, security mechanism data, Identification authentication data, service interaction management data, service data.
  10. 10. the implementation method of a kind of payment mechanism based on signaling network according to claim 8, it is characterised in that described Communication module uses NFC, BLE, zigbee, wifi, 5.8G wireless communication mode.
CN201710474328.0A 2017-06-21 2017-06-21 A kind of payment mechanism and its implementation based on signaling network Pending CN107392588A (en)

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Cited By (1)

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WO2019233204A1 (en) * 2018-06-06 2019-12-12 腾讯科技(深圳)有限公司 Method, apparatus and system for key management, storage medium, and computer device

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CN104104673A (en) * 2014-06-30 2014-10-15 重庆智韬信息技术中心 Method for realizing security payment through third party unified dynamic authorization code
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CN104348610A (en) * 2013-07-31 2015-02-11 中国银联股份有限公司 Method and system for securely transmitting transaction sensitive data based on cloud POS
CN105184556A (en) * 2015-08-12 2015-12-23 珠海保税区星汉智能卡股份有限公司 Bluetooth-based mobile payment system and payment method
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CN104348610A (en) * 2013-07-31 2015-02-11 中国银联股份有限公司 Method and system for securely transmitting transaction sensitive data based on cloud POS
CN104104673A (en) * 2014-06-30 2014-10-15 重庆智韬信息技术中心 Method for realizing security payment through third party unified dynamic authorization code
CN104158882A (en) * 2014-08-20 2014-11-19 信雅达系统工程股份有限公司 POS (Point Of Sale) system based on cloud middleware
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Publication number Priority date Publication date Assignee Title
WO2019233204A1 (en) * 2018-06-06 2019-12-12 腾讯科技(深圳)有限公司 Method, apparatus and system for key management, storage medium, and computer device
US11516020B2 (en) 2018-06-06 2022-11-29 Tencent Technology (Shenzhen) Company Limited Key management method, apparatus, and system, storage medium, and computer device

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Application publication date: 20171124