CN108764912A - A kind of method of payment and device based on short message verification code - Google Patents
A kind of method of payment and device based on short message verification code Download PDFInfo
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- CN108764912A CN108764912A CN201810644270.4A CN201810644270A CN108764912A CN 108764912 A CN108764912 A CN 108764912A CN 201810644270 A CN201810644270 A CN 201810644270A CN 108764912 A CN108764912 A CN 108764912A
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- China
- Prior art keywords
- short message
- verification code
- message verification
- server
- client
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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
- G06Q20/3825—Use of electronic signatures
-
- 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
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
-
- 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
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
- H04L63/0428—Network 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
- H04L63/0442—Network 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 wherein the sending and receiving network entities apply asymmetric encryption, i.e. different keys for encryption and decryption
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
- H04L63/0838—Network architectures or network communication protocols for network security for authentication of entities using passwords using one-time-passwords
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/18—Network architectures or network communication protocols for network security using different networks or channels, e.g. using out of band channels
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
- H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3247—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving digital signatures
Abstract
The invention discloses the methods of payment based on short message verification code, this method is after the payment request for receiving client transmission, just corresponding short message verification code is generated according to payment request, after encryption short message verification code and signature short message identifying code, short message verification code ciphertext and identifying code signature are sent to client, so that client, which signs to identifying code, carries out sign test, after sign test passes through, short message verification code ciphertext is decrypted, short message verification code is obtained, delivery operation is completed after allowing user to input.Whole process is realized encryption sign test of the short message verification code in transmission process, has been ensured the safety of short message verification code using no close short message verification code of CertPubKey password label；Meanwhile no CertPubKey password is not related to certificate management and cipher key management considerations, simplifies the processing procedure of short message verification code, has saved cost.Correspondingly, payment mechanism, equipment and readable storage medium storing program for executing disclosed by the invention based on short message verification code, similarly have above-mentioned technique effect.
Description
Technical field
The present invention relates to eCommerce transaction technique fields, more specifically to a kind of branch based on short message verification code
Pay method, apparatus, equipment and readable storage medium storing program for executing.
Background technology
With the continuous fusion development of computer technology, Internet technology and e-commerce technology, e-commerce has become
The indispensable transaction of today's society, consumer both save the time of client and enterprise by shopping at network and payment
And space, also improve trading efficiency.
Currently, when being paid based on e-commerce, generally pass through the side such as short message verification code, dynamic password, digital certificate
Formula carries out safety certification, wherein safety verification is carried out by the way of short message verification code, cost is relatively low and easy to implement.But
It is that, since short message verification code is transmitted with clear-text way, safety is relatively low, and if being based on the centers CA and key escrow encryption short message
Identifying code, since there are cipher key management considerations, it will keep transaction payment process relatively complicated, reduce treatment effeciency, correspondingly
Also increase technical costs.
Therefore, how cipher key management considerations to be avoided, to simplify the encryption process of short message verification code, save technology at
This, and the safety of short message verification code is improved, it is those skilled in the art's problem to be solved.
Invention content
The purpose of the present invention is to provide a kind of method of payment, device, equipment and readable storage based on short message verification code
Medium simplifies the encryption process of short message verification code to avoid cipher key management considerations, saves technical costs, and improve short message
The safety of identifying code.
To achieve the above object, an embodiment of the present invention provides following technical solutions：
A kind of method of payment based on short message verification code is based on server-side, including：
The payment request that client is sent is received, and corresponding short message verification code is generated according to the payment request；
Using short message verification code described in server-side private key signature, it is verified code signature, and encrypt using client public key
The short message verification code obtains short message verification code ciphertext；
Identifying code signature and the short message verification code ciphertext are sent to the client, so that the client is sharp
Sign test is carried out to identifying code signature with server-side public key, after sign test passes through, the short message is decrypted using client private key
Identifying code ciphertext obtains the short message verification code；
It obtains the short message verification code input by user of the client and completes delivery operation；
Wherein, the server-side private key and the client private key are generated by the part private key of random number and registration phase；
The server-side public key is generated by the part public key of the server-side private key and registration phase, and opposite with the server-side private key
It answers；The client public key is generated by the part public key of the client private key and registration phase, and with the client private key
It is corresponding.
Wherein, the registration phase includes：
The user information that the client is sent is received, the user information includes at least：PAN codes, user name, password and
Cell-phone number；
Judge to whether there is the PAN codes in preset database；
If so, generating user identity information using the term of validity of the user information and the user information and depositing
Storage generates the part private key using random number and the user identity information and the corresponding part of the part private key is public
Key carries out exclusive or processing to the part private key, exclusive or treated part private key and the part public key is transmitted to described
Client.
Wherein, the short message verification code input by user for obtaining the client and delivery operation is completed, including：
Obtain the short message verification code input by user of the client；
Judge the short message verification code input by user and the short message verification code that is generated according to the payment request whether one
It causes；
If so, completing delivery operation.
A kind of payment mechanism based on short message verification code is based on server-side, including：
Server-side receiving module, the payment request for receiving client transmission, and according to payment request generation pair
The short message verification code answered；
Encrypted signature module, for using short message verification code described in server-side private key signature, being verified code signature, and profit
The short message verification code is encrypted with client public key, obtains short message verification code ciphertext；
Transmission module, for identifying code signature and the short message verification code ciphertext to be sent to the client, with
So that the client is signed to the identifying code using server-side public key and carry out sign test, after sign test passes through, utilizes client private
Key decrypts the short message verification code ciphertext, obtains the short message verification code；
Server-side payment module, the short message verification code input by user for obtaining the client simultaneously complete payment behaviour
Make；
Wherein, the server-side private key and the client private key are generated by the part private key of random number and registration phase；
The server-side public key is generated by the part public key of the server-side private key and registration phase, and opposite with the server-side private key
It answers；The client public key is generated by the part public key of the client private key and registration phase, and with the client private key
It is corresponding.
A kind of method of payment based on short message verification code is based on client, including：
Payment request is sent to server-side, so that the server-side generates corresponding short-message verification according to the payment request
Code is verified code signature using short message verification code described in server-side private key signature, and the short message is encrypted using client public key
Identifying code obtains short message verification code ciphertext, sends the identifying code signature and the short message verification code ciphertext；
Receive the identifying code signature and the short message verification code ciphertext；
Sign test is carried out to identifying code signature using server-side public key and utilizes client private key solution after sign test passes through
The close short message verification code ciphertext, obtains the short message verification code；
Short message verification code input by user is sent to the server-side, so that the server-side obtains user's input
Short message verification code and complete delivery operation；
Wherein, the server-side private key and the client private key are generated by the part private key of random number and registration phase；
The server-side public key is generated by the part public key of the server-side private key and registration phase, and opposite with the server-side private key
It answers；The client public key is generated by the part public key of the client private key and registration phase, and with the client private key
It is corresponding.
Wherein, the registration phase includes：
User information is sent to the server-side, so that the server-side judges in preset database with the presence or absence of described
PAN codes；If so, generate user identity information using the term of validity of the user information and the user information and store,
The part private key and the corresponding part public key of the part private key are generated using random number and the user identity information,
Exclusive or processing is carried out to the part private key, and sends exclusive or treated part private key and the part public key；The user
Information includes at least：PAN codes, user name, password and cell-phone number；
Receive the exclusive or that the server-side is sent treated part private key and the part public key.
Wherein, described that short message verification code input by user is sent to the server-side, so that the server-side obtains institute
It states short message verification code input by user and completes delivery operation, including：
Obtain the short message verification code input by user；
Using the client private key signature short message verification code input by user, user's signature is obtained, and utilize institute
Short message verification code input by user described in server-side public key encryption is stated, user's checking code ciphertext is obtained；
The user's checking code ciphertext and the user's signature are sent to the server-side, so that the server-side obtains
The user's checking code ciphertext and the user's signature carry out sign test using the client public key to the user's signature, when
After sign test passes through, the user's checking code ciphertext is decrypted using the server-side private key, the short message input by user is obtained and tests
Demonstrate,prove code, and judge the short message verification code input by user and the short message verification code that is generated according to the payment request whether one
It causes；If so, completing delivery operation.
A kind of payment mechanism based on short message verification code is based on client, including：
Sending module, for sending payment request to server-side, so that the server-side is generated according to the payment request
Corresponding short message verification code is verified code signature using short message verification code described in server-side private key signature, utilizes client public affairs
Key encrypts the short message verification code, obtains short message verification code ciphertext, sends the identifying code signature and the short message verification code is close
Text；
Client receiving module, for receiving the identifying code signature and the short message verification code ciphertext；
Sign test deciphering module carries out sign test for signing to the identifying code using server-side public key, after sign test passes through,
The short message verification code ciphertext is decrypted using client private key, obtains the short message verification code；
Client payment module, for short message verification code input by user to be sent to the server-side, so that the clothes
Business end obtains the short message verification code input by user and completes delivery operation；
Wherein, the server-side private key and the client private key are generated by the part private key of random number and registration phase；
The server-side public key is generated by the part public key of the server-side private key and registration phase, and opposite with the server-side private key
It answers；The client public key is generated by the part public key of the client private key and registration phase, and with the client private key
It is corresponding.
A kind of payment devices based on short message verification code, including：
Memory, for storing computer program；
Processor, realized when for executing the computer program described in above-mentioned any one based on short message verification code
The step of method of payment.
A kind of readable storage medium storing program for executing is stored with computer program, the computer program quilt on the readable storage medium storing program for executing
The step of processor realizes the method for payment based on short message verification code described in above-mentioned any one when executing.
By above scheme it is found that a kind of method of payment based on short message verification code provided in an embodiment of the present invention, is based on
Server-side, including：The payment request that client is sent is received, and corresponding short message verification code is generated according to the payment request；
Using short message verification code described in server-side private key signature, it is verified code signature, and the short message is encrypted using client public key
Identifying code obtains short message verification code ciphertext；Identifying code signature and the short message verification code ciphertext are sent to the client
End, so that the client carries out sign test using server-side public key to identifying code signature utilizes client after sign test passes through
It holds private key to decrypt the short message verification code ciphertext, obtains the short message verification code；Obtain the input by user short of the client
Letter identifying code simultaneously completes delivery operation；Wherein, the server-side private key and the client private key are by random number and registration phase
Part private key generate；The server-side public key is generated by the part public key of the server-side private key and registration phase, and with institute
It is corresponding to state server-side private key；The client public key is generated by the part public key of the client private key and registration phase, and
It is corresponding with the client private key.
As it can be seen that the method after the payment request for receiving client transmission, is just generated according to payment request corresponding
Short message verification code, after simultaneously signature short message identifying code is encrypted to short message verification code, by short message verification code ciphertext and verification
Code signature is sent to client and signs first to identifying code after client receives short message verification code ciphertext and identifying code signature
Sign test is carried out, after sign test passes through, decrypts short message verification code ciphertext, to obtain short message verification code, branch is completed after allowing user to input
Pay operation.This method realizes short message verification code in transmission process by no close short message verification code of CertPubKey password label
Sign test is encrypted, after sign test passes through, short message verification code ciphertext is just decrypted, has ensured the safety of short message verification code；Meanwhile no certificate
Public key cryptography is not related to certificate management and cipher key management considerations, simplifies the encryption process of short message verification code, improves place
Efficiency is managed, cost is also saved.
Correspondingly, a kind of payment mechanism, equipment and readable storage based on short message verification code provided in an embodiment of the present invention
Medium similarly has above-mentioned technique effect.
Description of the drawings
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technology description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
Obtain other attached drawings according to these attached drawings.
Fig. 1 is a kind of method of payment flow chart based on short message verification code disclosed by the embodiments of the present invention；
Fig. 2 is another method of payment flow chart based on short message verification code disclosed by the embodiments of the present invention；
Fig. 3 is a kind of payment mechanism schematic diagram based on short message verification code disclosed by the embodiments of the present invention；
Fig. 4 is another payment mechanism schematic diagram based on short message verification code disclosed by the embodiments of the present invention；
Fig. 5 is the payment process schematic diagram disclosed by the embodiments of the present invention based on short message verification code；
Fig. 6 is a kind of payment devices schematic diagram based on short message verification code disclosed by the embodiments of the present invention.
Specific implementation mode
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation describes, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
The embodiment of the invention discloses a kind of method of payment, device, equipment and readable storage medium based on short message verification code
Matter simplifies the encryption process of short message verification code to avoid cipher key management considerations, saves technical costs, and improve short message and test
Demonstrate,prove the safety of code.
Referring to Fig. 1, a kind of method of payment based on short message verification code provided in an embodiment of the present invention is based on server-side, packet
It includes：
S101, the payment request that client is sent is received, and corresponding short message verification code is generated according to payment request；
The present embodiment is described based on server-side, and server-side generates after receiving payment request according to payment request
Corresponding short message verification code.
S102, using server-side private key signature short message verification code, be verified code signature, and encrypt using client public key
Short message verification code obtains short message verification code ciphertext；
In order to ensure the safety of short message verification code, server-side is before sending short message verification code, first by short message verification code
It is encrypted, the present embodiment can be asked according to no CertPubKey encryption method Encrypted short message identifying code to avoid key management
Topic.
Wherein, it should be noted that client and server-side are respectively provided with different public private key pairs, and sender is sending number
According to when for the ease of recipient's ciphertext data, generally pass through the public key encryption data of other side；And in order to ensure the safety of signature, one
As signature operation carried out by the private key of sender.
S103, identifying code signature and short message verification code ciphertext are sent to client, so that client is public using server-side
Key signs to identifying code and carries out sign test, after sign test passes through, decrypts short message verification code ciphertext using client private key, obtains short message
Identifying code；
Wherein, server-side private key and client private key are generated by the part private key of random number and registration phase；Server-side is public
Key is generated by the part public key of server-side private key and registration phase, and corresponding with server-side private key；Client public key is by client
The part public key of private key and registration phase is held to generate, and corresponding with client private key.
S104, the short message verification code input by user for obtaining client simultaneously complete delivery operation.
Specifically, after client obtains short message verification code, need user by short message verification code input delivery operation interface
And submit, after server-side obtains short message verification code input by user, just complete delivery operation.
As it can be seen that present embodiments providing a kind of method of payment based on short message verification code, the method is receiving client
After holding the payment request sent, corresponding short message verification code is just generated according to payment request, place is encrypted to short message verification code
It manages and after signature short message identifying code, short message verification code ciphertext and identifying code signature is sent to client, client receives short
It after believing identifying code ciphertext and identifying code signature, signs to identifying code carry out sign test first, after sign test passes through, decrypt short-message verification
Code ciphertext completes delivery operation to obtain short message verification code after allowing user to input.This method is close by no CertPubKey password label
Short message verification code realizes encryption sign test of the short message verification code in transmission process, after sign test passes through, just decrypts short-message verification
Code ciphertext, has ensured the safety of short message verification code；Meanwhile no CertPubKey password is not related to certificate management and key management is asked
Topic, simplifies the encryption process of short message verification code, improves treatment effeciency, also save cost.
Based on above-described embodiment, it should be noted that the registration phase includes：
The user information that the client is sent is received, the user information includes at least：PAN codes, user name, password and
Cell-phone number；
Judge to whether there is the PAN codes in preset database；
If so, generating user identity information using the term of validity of the user information and the user information and depositing
Storage generates the part private key using random number and the user identity information and the corresponding part of the part private key is public
Key carries out exclusive or processing to the part private key, exclusive or treated part private key and the part public key is transmitted to described
Client.
It generates user identity information specifically, hash function may be used and stores, can so protect the basic letter of user
Breath, and the user identity information generated is corresponded with user.
Based on above-described embodiment, it should be noted that the short message verification code input by user for obtaining the client
And delivery operation is completed, including：
Obtain the short message verification code input by user of the client；
Judge the short message verification code input by user and the short message verification code that is generated according to the payment request whether one
It causes；
If so, completing delivery operation.
Specifically, after server-side gets short breath identifying code input by user, short-message verification input by user need to be judged
Whether code is consistent with the short message verification code generated according to payment request, that is, judges short message verification code and server-side life input by user
At short message verification code it is whether consistent, when short message verification code input by user is consistent with the short message verification code that server-side generated originally
When, show that short message verification code input by user is correct, you can to complete delivery operation.
The embodiment of the invention discloses method of payment of the another kind based on short message verification code, relative to a upper embodiment, originally
Embodiment has made further instruction and optimization to technical solution.
Referring to Fig. 2, method of payment of the another kind based on short message verification code provided in an embodiment of the present invention is based on client,
Including：
S201, payment request is sent to server-side, so that server-side generates corresponding short message verification code according to payment request,
Using server-side private key signature short message verification code, it is verified code signature, using client public key Encrypted short message identifying code, is obtained
Short message verification code ciphertext sends identifying code signature and short message verification code ciphertext；
The present embodiment is described based on client, and when user needs to carry out payment transaction, client sends branch first
Request is paid to server-side, server-side generates corresponding short message verification code when receiving payment request, according to payment request, utilizes
Server-side private key signature short message verification code is verified code signature, and utilizes client public key Encrypted short message identifying code, obtains short
Believe identifying code ciphertext, and then sends short message verification code ciphertext and identifying code signature.
In order to ensure the safety of short message verification code, server-side is before sending short message verification code, first by short message verification code
It is encrypted, the present embodiment can be asked according to no CertPubKey encryption method Encrypted short message identifying code to avoid key management
Topic.
S202, identifying code signature and short message verification code ciphertext are received；
S203, client private key solution is utilized after sign test passes through to identifying code signature progress sign test using server-side public key
Close short message verification code ciphertext obtains short message verification code；
Wherein, it should be noted that server-side private key and client private key by random number and registration phase part private key
It generates；Server-side public key is generated by the part public key of server-side private key and registration phase, and corresponding with server-side private key；Client
Public key is held to be generated by the part public key of client private key and registration phase, and corresponding with client private key.
Since server-side is before sending short message verification code, encryption is carried out to short message verification code, therefore client needs
Corresponding decryption processing is carried out, short message verification code is just can get.Wherein, it signs to identifying code and carries out sign test, can avoid data
It is intercepted in transmission process, Information Security thus can be improved.
S204, short message verification code input by user is sent to server-side, so that server-side obtains short message input by user
Identifying code simultaneously completes delivery operation.
Specifically, the registration phase includes：
User information is sent to the server-side, so that the server-side judges in preset database with the presence or absence of described
PAN codes；If so, generate user identity information using the term of validity of the user information and the user information and store,
The part private key and the corresponding part public key of the part private key are generated using random number and the user identity information,
Exclusive or processing is carried out to the part private key, and sends exclusive or treated part private key and the part public key；The user
Information includes at least：PAN codes, user name, password and cell-phone number；
Receive the exclusive or that the server-side is sent treated part private key and the part public key.
Specifically, retransmiting part private key after carrying out exclusive or processing to part private key, part private key can be protected not to be stolen,
If part private key is stolen by criminal, since part private key carried out exclusive or processing, so the part that criminal steals is private
Key is not true part private key, and true part private key, which need to pass through specific operation rule, to be obtained.
Such as：In preset spatial aggregationIn, randomly select a random number riIf part private key diIt indicates, portion
Divide public key RiIt indicates,
ThenWherein, P is elliptic curve
On a basic point, H1It is a hash function, IDiFor user identity information, PW is password.
Wherein, described that short message verification code input by user is sent to the server-side, so that the server-side obtains institute
It states short message verification code input by user and completes delivery operation, including：
Obtain the short message verification code input by user；
Using the client private key signature short message verification code input by user, user's signature is obtained, and utilize institute
Short message verification code input by user described in server-side public key encryption is stated, user's checking code ciphertext is obtained；
The user's checking code ciphertext and the user's signature are sent to the server-side, so that the server-side obtains
The user's checking code ciphertext and the user's signature carry out sign test using the client public key to the user's signature, when
After sign test passes through, the user's checking code ciphertext is decrypted using the server-side private key, the short message input by user is obtained and tests
Demonstrate,prove code, and judge the short message verification code input by user and the short message verification code that is generated according to the payment request whether one
It causes；If so, completing delivery operation.
As it can be seen that present embodiments providing another method of payment based on short message verification code, the method is sent out in client
After sending payment request, server-side just generates corresponding short message verification code according to payment request, and short message verification code is encrypted
It handles and after signature short message identifying code, short message verification code ciphertext and identifying code signature is sent to client, client receives
It after short message verification code ciphertext and identifying code signature, signs to identifying code carry out sign test first, after sign test passes through, decryption short message is tested
Short message verification code input by user is sent to server-side by card code ciphertext to obtain short message verification code, is used so that server-side obtains
The short message verification code of family input simultaneously completes delivery operation.This method is realized by no close short message verification code of CertPubKey password label
Encryption sign test of the short message verification code in transmission process is just decrypted short message verification code ciphertext, has been ensured short after sign test passes through
Believe the safety of identifying code；Meanwhile no CertPubKey password is not related to certificate management and cipher key management considerations, simplifies short-message verification
The encryption process of code, improves treatment effeciency, also saves cost.
Based on above-mentioned any embodiment, it should be noted that payment request is also required to be encrypted and sign test processing.Specifically
For：
When user needs to carry out payment transaction, it will pass through client and send payment request.Wherein, payment request is being sent
Before, client, which firstly generates, sends the public and private key pair that payment request needs are used, the specific steps are：In preset space
Random number is randomly selected in set as long-term private, and the log-in password used according to the long-term private and when registering generates branch
Private key is paid, the payment private key of generation is stored into sandbox；And then payment public key is generated according to payment private key, and public key will be paid
It is open.
Such as：In preset spatial aggregationIn, randomly select a random number xa, by xaAs long-term private, and according to
According to long-term private xa, registration when log-in password PW used and cell-phone number generate payment private key (xa,Da), calculation formula is：And then according to payment private key (xa,Da) generate payment public key (Xa,Ra), meter
Calculation formula is Xa=xaP, P are systematic parameter, and will payment public key (Xa,Ra) open.Wherein, it is calculated and is paid using point multiplication operation
Computational efficiency can be improved in public key.
Wherein, which includes at least：Trade company ID, payment amount and timestamp, the payment information in payment request
It can be encoded according to fixed format and length, in order to data transmission.
If payment information is indicated with M, the generating process for paying signature is as follows：In preset spatial aggregation Zq* in, with
Machine chooses a random number a, and passes through Ta=aP, h1=H1(IDb,Rb), calculate payment parameter TaWith hash function h1, Jin Ertong
Cross h=H2(Ta||IDa||M||IDb), s=a/ (xa+Da+ h) generate payment signature (h, s).If by the ciphertext C of payment request
It indicates, then hasWherein, H3For hash function, Va=a (Rb+Xb+h1P0), to pay parameter.It is sending
When payment request, payment request ciphertext C is sent, payment request ciphertext C will carry payment signature (h, s) and payment information M, altogether
It is same to be transmitted to server-side.
Wherein, the calculation formula of decryption payment request ciphertext C includes formula (1) and formula (2), specially：
h1'=H1(IDa,Ra),Vb=s (xb+Db)(Xa+Ra+P0+hP) (1)
It includes formula (3), formula (4) and formula (5) that payment signature, which carries out the calculation formula of sign test, specially：
H2(s(Ra+Xa+P0+hP)||IDa| | M)=h (3)
Wherein, if being equal to h, illustrate that payment signature is correct, otherwise, illustrate payment signature mistake.
H2(Ta||IDa| | M)=h (5)
Based on above-mentioned any embodiment, it should be noted that encryption, decryption and the sign test processing procedure of short message verification code with
Encryption, the decryption of above-mentioned payment request are similar with the processing procedure of sign test, therefore details are not described herein for this specification.
Based on above-mentioned any embodiment, it should be noted that using this disclosure based on short message verification code
Before method of payment, initialization systematic parameter is needed first, establishes system master key, and complete user's registration, registration phase please join
According to above description.
Initialize systematic parameter the specific steps are：It is systematic parameter to select 2 Big primes p, q, and wherein q is the big of p-1
Prime factor meets q | p-1.If P is the generation member that any one rank is q in the cyclic group G on elliptic curve, and selected safety
Hash function, according to hash function pre-set space set Zq*, and in spatial aggregation Zq* middle selecting system master key.
A kind of payment mechanism based on short message verification code provided in an embodiment of the present invention is introduced below, is described below
It is a kind of can phase based on the payment mechanism of short message verification code and a kind of above-described method of payment based on short message verification code
Mutual reference.
Referring to Fig. 3, a kind of payment mechanism based on short message verification code provided in an embodiment of the present invention is based on server-side, packet
It includes：
Server-side receiving module 301, the payment request for receiving client transmission, and generated according to the payment request
Corresponding short message verification code；
Encrypted signature module 302, for using short message verification code described in server-side private key signature, being verified code signature,
And the short message verification code is encrypted using client public key, obtain short message verification code ciphertext；
Transmission module 303, for identifying code signature and the short message verification code ciphertext to be sent to the client,
So that the client carries out sign test using server-side public key to identifying code signature utilizes client after sign test passes through
Private key decrypts the short message verification code ciphertext, obtains the short message verification code；
Server-side payment module 304, the short message verification code input by user for obtaining the client simultaneously are completed to pay
Operation；
Wherein, the server-side private key and the client private key are generated by the part private key of random number and registration phase；
The server-side public key is generated by the part public key of the server-side private key and registration phase, and opposite with the server-side private key
It answers；The client public key is generated by the part public key of the client private key and registration phase, and with the client private key
It is corresponding.
Wherein, further include：Server-side registration module, the server-side registration module include：
Receiving unit, the user information sent for receiving the client, the user information include at least：PAN codes,
User name, password and cell-phone number；
Judging unit whether there is the PAN codes for judging in preset database；
Execution unit, for when there are when the PAN codes, utilizing the user information and described in preset database
The term of validity of user information generates user identity information and stores, and the portion is generated using random number and the user identity information
Divide private key and the corresponding part public key of the part private key, exclusive or processing is carried out to the part private key, after exclusive or is handled
Part private key and the part public key be transmitted to the client.
Wherein, the server-side payment module includes：
Acquiring unit, the short message verification code input by user for obtaining the client；
Judging unit, the short message for judging the short message verification code input by user and being generated according to the payment request
Whether identifying code is consistent；
Payment unit, for when short message verification code input by user and the short message verification code generated according to the payment request
When consistent, delivery operation is completed.
As it can be seen that present embodiments provide a kind of payment mechanism based on short message verification code, described device be based on server-side into
Row description, including：Receiving module, encrypted signature module, transmission module and server-side payment module are mutually assisted between modules
Make, work completes delivery operation.Wherein, it since the present apparatus is using no close short message verification code of CertPubKey password label, realizes
Encryption sign test of the short message verification code in transmission process, has ensured the safety of short message verification code；Meanwhile no CertPubKey password is not
It is related to certificate management and cipher key management considerations, simplifies the encryption process of short message verification code, improves treatment effeciency, also save
About cost.
Another payment mechanism based on short message verification code provided in an embodiment of the present invention is introduced below, is hereafter retouched
Another payment mechanism based on short message verification code stated and the above-described another method of payment based on short message verification code
It can be cross-referenced.
Referring to Fig. 4, payment mechanism of the another kind based on short message verification code provided in an embodiment of the present invention is based on client,
Including：
Sending module 401, for sending payment request to server-side, so that the server-side is given birth to according to the payment request
It is verified code signature, utilizes client using short message verification code described in server-side private key signature at corresponding short message verification code
Short message verification code described in public key encryption obtains short message verification code ciphertext, sends the identifying code signature and the short message verification code
Ciphertext；
Client receiving module 402, for receiving the identifying code signature and the short message verification code ciphertext；
Sign test deciphering module 403 carries out sign test, when sign test passes through for signing to the identifying code using server-side public key
Afterwards, the short message verification code ciphertext is decrypted using client private key, obtains the short message verification code；
Client payment module 404, for short message verification code input by user to be sent to the server-side, so that described
Server-side obtains the short message verification code input by user and completes delivery operation；
Wherein, the server-side private key and the client private key are generated by the part private key of random number and registration phase；
The server-side public key is generated by the part public key of the server-side private key and registration phase, and opposite with the server-side private key
It answers；The client public key is generated by the part public key of the client private key and registration phase, and with the client private key
It is corresponding.
Wherein, further include：Client registers module, the client registers module include：
Transmission unit, for sending user information to the server-side, so that the server-side judges preset database
In whether there is the PAN codes；It is marked if so, generating user using the term of validity of the user information and the user information
Know information and store, the part private key and the part private key pair are generated using random number and the user identity information
The part public key answered carries out exclusive or processing to the part private key, and sends exclusive or treated part private key and the part
Public key；The user information includes at least：PAN codes, user name, password and cell-phone number；
Receiving unit, treated for receiving the exclusive or that the server-side is sent part private key and the part public key.
Wherein, the client payment module includes：
Acquiring unit, for obtaining the short message verification code input by user；
Encrypted signature unit, for using the client private key signature short message verification code input by user, obtaining
User's signature, and using short message verification code input by user described in the server-side public key encryption, obtain user's checking code ciphertext；
Execution unit, for the user's checking code ciphertext and the user's signature to be sent to the server-side, so that
The server-side obtains the user's checking code ciphertext and the user's signature, is signed to the user using the client public key
Name carries out sign test, after sign test passes through, decrypts the user's checking code ciphertext using the server-side private key, obtains the user
The short message verification code of input, and judge that the short message verification code input by user and the short message generated according to the payment request are tested
Whether consistent demonstrate,prove code；If so, completing delivery operation.
As it can be seen that present embodiments providing another payment mechanism based on short message verification code, described device is based on client
It is described, including：Sending module, client receiving module, sign test deciphering module and client payment module, between modules
It cooperates, work completes delivery operation.Wherein, since the present apparatus is using no close short message verification code of CertPubKey password label,
Encryption sign test of the short message verification code in transmission process is realized, has ensured the safety of short message verification code；Meanwhile no CertPubKey
Password is not related to certificate management and cipher key management considerations, simplifies the encryption process of short message verification code, improves processing effect
Rate also saves cost.
Based on above-mentioned any embodiment, it should be noted that the branch based on short message verification code according to this disclosure
The system including client and server-side can be designed by paying method or apparatus, and the payment process of the system refers to Fig. 5, and Fig. 5 is this
The payment process schematic diagram based on short message verification code that inventive embodiments provide.
A kind of payment devices based on short message verification code provided in an embodiment of the present invention are introduced below, are described below
A kind of payment devices based on short message verification code and above-described a kind of method of payment and device based on short message verification code
It can be cross-referenced.
Referring to Fig. 6, a kind of payment devices based on short message verification code provided in an embodiment of the present invention, including：
Memory 601, for storing computer program；
Processor 602 realizes being tested based on short message described in above-mentioned any embodiment when for executing the computer program
The step of demonstrate,proving the method for payment of code.
A kind of readable storage medium storing program for executing provided in an embodiment of the present invention is introduced below, one kind described below is readable to deposit
Storage media can be cross-referenced with above-described a kind of method of payment, device and equipment based on short message verification code.
A kind of readable storage medium storing program for executing is stored with computer program, the computer program quilt on the readable storage medium storing program for executing
The step of method of payment based on short message verification code as described in above-mentioned any embodiment is realized when processor executes.
Each embodiment is described by the way of progressive in this specification, the highlights of each of the examples are with other
The difference of embodiment, just to refer each other for identical similar portion between each embodiment.
The foregoing description of the disclosed embodiments enables those skilled in the art to implement or use the present invention.
Various modifications to these embodiments will be apparent to those skilled in the art, as defined herein
General Principle can be realized in other embodiments without departing from the spirit or scope of the present invention.Therefore, of the invention
It is not intended to be limited to the embodiments shown herein, and is to fit to and the principles and novel features disclosed herein phase one
The widest range caused.
Claims (10)
1. a kind of method of payment based on short message verification code, which is characterized in that it is based on server-side, including：
The payment request that client is sent is received, and corresponding short message verification code is generated according to the payment request；
Using short message verification code described in server-side private key signature, it is verified code signature, and using described in client public key encryption
Short message verification code obtains short message verification code ciphertext；
Identifying code signature and the short message verification code ciphertext are sent to the client, so that the client utilizes clothes
End public key be engaged in identifying code signature progress sign test, after sign test passes through, utilizes the client private key decryption short-message verification
Code ciphertext, obtains the short message verification code；
It obtains the short message verification code input by user of the client and completes delivery operation；
Wherein, the server-side private key and the client private key are generated by the part private key of random number and registration phase；It is described
Server-side public key is generated by the part public key of the server-side private key and registration phase, and corresponding with the server-side private key；
The client public key is generated by the part public key of the client private key and registration phase, and opposite with the client private key
It answers.
2. the method for payment according to claim 1 based on short message verification code, which is characterized in that the registration phase packet
It includes：
The user information that the client is sent is received, the user information includes at least：PAN codes, user name, password and mobile phone
Number；
Judge to whether there is the PAN codes in preset database；
If so, generate user identity information using the term of validity of the user information and the user information and store, profit
The part private key and the corresponding part public key of the part private key are generated with random number and the user identity information, it is right
The part private key carries out exclusive or processing, and exclusive or treated part private key and the part public key are transmitted to the client
End.
3. the method for payment according to claim 1 based on short message verification code, which is characterized in that described to obtain the client
The short message verification code input by user at end simultaneously completes delivery operation, including：
Obtain the short message verification code input by user of the client；
Judge whether the short message verification code input by user and the short message verification code generated according to the payment request are consistent；
If so, completing delivery operation.
4. a kind of payment mechanism based on short message verification code, which is characterized in that it is based on server-side, including：
Server-side receiving module, the payment request for receiving client transmission, and it is corresponding according to payment request generation
Short message verification code；
Encrypted signature module, for using short message verification code described in server-side private key signature, being verified code signature, and utilize visitor
Short message verification code described in the public key encryption of family end, obtains short message verification code ciphertext；
Transmission module, for identifying code signature and the short message verification code ciphertext to be sent to the client, so that institute
It states client and client private key solution is utilized after sign test passes through to identifying code signature progress sign test using server-side public key
The close short message verification code ciphertext, obtains the short message verification code；
Server-side payment module, the short message verification code input by user for obtaining the client simultaneously complete delivery operation；
Wherein, the server-side private key and the client private key are generated by the part private key of random number and registration phase；It is described
Server-side public key is generated by the part public key of the server-side private key and registration phase, and corresponding with the server-side private key；
The client public key is generated by the part public key of the client private key and registration phase, and opposite with the client private key
It answers.
5. a kind of method of payment based on short message verification code, which is characterized in that it is based on client, including：
Payment request is sent to server-side, so that the server-side generates corresponding short message verification code according to the payment request,
Using short message verification code described in server-side private key signature, it is verified code signature, the short message is encrypted using client public key and tests
Code is demonstrate,proved, short message verification code ciphertext is obtained, sends the identifying code signature and the short message verification code ciphertext；
Receive the identifying code signature and the short message verification code ciphertext；
It is signed to the identifying code using server-side public key and carries out sign test, after sign test passes through, institute is decrypted using client private key
Short message verification code ciphertext is stated, the short message verification code is obtained；
Short message verification code input by user is sent to the server-side, so that server-side acquisition is described input by user short
Letter identifying code simultaneously completes delivery operation；
Wherein, the server-side private key and the client private key are generated by the part private key of random number and registration phase；It is described
Server-side public key is generated by the part public key of the server-side private key and registration phase, and corresponding with the server-side private key；
The client public key is generated by the part public key of the client private key and registration phase, and opposite with the client private key
It answers.
6. the method for payment according to claim 5 based on short message verification code, which is characterized in that the registration phase packet
It includes：
User information is sent to the server-side, so that the server-side judges to whether there is the PAN in preset database
Code；If so, generating user identity information using the term of validity of the user information and the user information and storing, utilize
Random number and the user identity information generate the part private key and the corresponding part public key of the part private key, to institute
It states part private key and carries out exclusive or processing, and send exclusive or treated part private key and the part public key；The user information
It includes at least：PAN codes, user name, password and cell-phone number；
Receive the exclusive or that the server-side is sent treated part private key and the part public key.
7. the method for payment according to claim 5 based on short message verification code, which is characterized in that it is described will be input by user
Short message verification code is sent to the server-side, so that the server-side obtains the short message verification code input by user and completes to prop up
Operation is paid, including：
Obtain the short message verification code input by user；
Using the client private key signature short message verification code input by user, user's signature is obtained, and utilize the clothes
Short message verification code input by user described in business end public key encryption, obtains user's checking code ciphertext；
The user's checking code ciphertext and the user's signature are sent to the server-side, so that described in server-side acquisition
User's checking code ciphertext and the user's signature carry out sign test to the user's signature using the client public key, work as sign test
By rear, the user's checking code ciphertext is decrypted using the server-side private key, obtains the short message verification code input by user,
And judge whether the short message verification code input by user and the short message verification code generated according to the payment request are consistent；If
It is then to complete delivery operation.
8. a kind of payment mechanism based on short message verification code, which is characterized in that it is based on client, including：
Sending module is corresponded to for sending payment request to server-side so that the server-side is generated according to the payment request
Short message verification code be verified code signature using short message verification code described in server-side private key signature, using client public key plus
The close short message verification code, obtains short message verification code ciphertext, sends the identifying code signature and the short message verification code ciphertext；
Client receiving module, for receiving the identifying code signature and the short message verification code ciphertext；
Sign test deciphering module is carried out sign test for being signed to the identifying code using server-side public key, after sign test passes through, utilized
Client private key decrypts the short message verification code ciphertext, obtains the short message verification code；
Client payment module, for short message verification code input by user to be sent to the server-side, so that the server-side
It obtains the short message verification code input by user and completes delivery operation；
Wherein, the server-side private key and the client private key are generated by the part private key of random number and registration phase；It is described
Server-side public key is generated by the part public key of the server-side private key and registration phase, and corresponding with the server-side private key；
The client public key is generated by the part public key of the client private key and registration phase, and opposite with the client private key
It answers.
9. a kind of payment devices based on short message verification code, which is characterized in that including：
Memory, for storing computer program；
Processor, when for executing the computer program realize as described in claim 1-3,5-7 any one based on short
The step of believing the method for payment of identifying code.
10. a kind of readable storage medium storing program for executing, which is characterized in that be stored with computer program, the meter on the readable storage medium storing program for executing
The payment based on short message verification code as described in claim 1-3,5-7 any one is realized when calculation machine program is executed by processor
The step of method.
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