CN108960808A - One kind being based on HCE all-purpose card safety of payment Verification System - Google Patents
One kind being based on HCE all-purpose card safety of payment Verification System Download PDFInfo
- Publication number
- CN108960808A CN108960808A CN201811098396.2A CN201811098396A CN108960808A CN 108960808 A CN108960808 A CN 108960808A CN 201811098396 A CN201811098396 A CN 201811098396A CN 108960808 A CN108960808 A CN 108960808A
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- CN
- China
- Prior art keywords
- mobile phone
- hce
- payment
- cloud
- card
- 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.)
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- 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
- G06Q20/22—Payment schemes or models
- G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- 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
- G06Q20/4014—Identity check for transactions
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/12—Cash registers electronically operated
Abstract
The invention discloses one kind to be based on HCE all-purpose card safety of payment Verification System, including mobile phone cloud, mobile phone HCE, POS machine, all-purpose card backstage, cloud database, payment background system, NFC module, route system, intelligent card reader, embedded system module, control processing center and transmitting module.The beneficial effects of the present invention are: structure of the invention mobile phone cloud includes cloud database and payment background system, access cloud database, determine that the identity of disburser is consistent with card holder's identity, pay the process of background system management Third-party payment, submit order, authorizing after payment background system cross-check information can just pay, ensure the safety of account, after the Certificate Authority of mobile phone cloud, access mobile phone HCE, mobile phone HCE includes NFC module and route system, NFC module is modeled into a card, it is only by dynamic response in the radiofrequency field that other equipment issue, it is read, write information.
Description
Technical field
The present invention relates to a kind of all-purpose cards, specially a kind of to be based on HCE all-purpose card safety of payment Verification System, belong to electric power
Apparatus field.
Background technique
With the fast development of electronics technology, all-purpose card become people's current consumption selection payment a kind of tool, one
Cartoon is exactly that the intelligent management of a variety of different function is realized on the same card.It is substantially a set of by card, utensil and upper
The specific information management system that management software is constituted.Its core content is realized using this specific physical media of card
From the standardization and automation of generation, the management of information resources for acquiring, being transferred to Macro or mass analysis of business datum.
But traditional all-purpose card means of payment need to carry bank card or need mobile phone sweep two dimensional code with squeeze into it is specified
The mode of transferring accounts of account, payment need that operating process is more and safety is not high, and inconvenient for operation.
Summary of the invention
The object of the invention is that provide a kind of based on the certification of HCE all-purpose card safety of payment to solve the above-mentioned problems
System, it is only necessary to which carrying mobile phone can be operated close to POS machine, easy to operate, quick and highly-safe.
The present invention is achieved through the following technical solutions above-mentioned purpose, and one kind is based on HCE all-purpose card safety of payment certification system
System, including mobile phone cloud, mobile phone HCE, POS machine, all-purpose card backstage, cloud database, payment background system, NFC module, routing
System, intelligent card reader, embedded system module, control processing center and transmitting module, the mobile phone cloud and the cloud
Database, payment background system connection, the mobile phone cloud connect with the mobile phone HCE, the mobile phone HCE with it is described
NFC module is connect with the route system, and the mobile phone HCE is connect with the POS machine, the POS machine and the intelligent card-reading
Device is connect with the embedded system module, and the POS machine connect with all-purpose card backstage, the all-purpose card from the background with it is described
Control processing center is connect with the transmitting module.
Preferably, in order to which payment safety is higher, the mobile phone cloud and the mobile phone HCE are described by network connection
Cloud database and the multi-thread network connection of the payment background system.
Preferably, in order to which card reading is convenient, the mobile phone HCE and the POS machine are wirelessly connected, the intelligent card reader and institute
State the communication connection of embedded system module.
Preferably, in order to which information transmission is accurate, the POS machine and the all-in-one card platform are connected to the network, at the control
Reason center and the transmitting module are electrically connected.
Preferably, in order to easy to operate quick, the cloud database, the payment background system, control processing
Same communication network is accessed between center, and the cloud database, the payment background system, the control processing center are simultaneously
Connection connection.
The beneficial effects of the present invention are: mobile phone cloud of the invention includes cloud database and payment background system, access
Cloud database determines that the identity of disburser is consistent with card holder's identity, the process of payment background system management Third-party payment,
Order is submitted, authorizing after payment background system cross-check information can just pay, it is ensured that the safety of account, the certification of mobile phone cloud
After authorization, mobile phone HCE is accessed, mobile phone HCE includes NFC module and route system, and NFC module is modeled into a card, it only exists
By dynamic response in the radiofrequency field that other equipment issue, by read/write information, allow to carry out between electronic equipment contactless point-to-point
Data transmission exchange data, since near-field communication has natural safety, so payment safety is high, route system is for warp
The each data frame for crossing router finds an optimal transmission paths, and the data are effectively transmitted to purpose website, then makes
Payment is rapidly completed, and then accesses POS machine, and POS machine includes intelligent card reader and embedded system module, accesses intelligent card-reading
Device, is arranged a radio-frequency unit inside intelligent card reader, and intelligent card reader forms magnetic field, card reader by magnetic field to merging wherein
Card read magnetic information, then coding obtains digital information, and embedded system module is will to execute instruction to weave into code implantation
Inside POS machine, the series of instructions of POS machine are executed, are the Small-sized C PU of POS machine, after POS machine emits APDU instruction, select a card
Logical application, mobile phone HCE receive the radiofrequency signal of POS machine transmitting, then return to token, and authorization POS machine brushes mobile phone HCE
Card operation, then all-purpose card backstage is accessed, all-purpose card backstage includes control processing center and transmitting module, and control processing center is connecing
By the information that POS machine is transmitted, processing verification is carried out, then access transmitting module, after verification determines, emits a signal to POS machine
POS machine completes swiping card.
Detailed description of the invention
Fig. 1 is module connection figure of the present invention；
Fig. 2 is work flow diagram of the invention.
In figure: 1, mobile phone cloud, 2, mobile phone HCE, 3, POS machine, 4, all-purpose card backstage, 5, cloud database, 6, payment after
Platform system, 7, NFC module, 8, route system, 9, intelligent card reader, 10, embedded system module, 11, control processing center,
12, transmitting module.
Specific embodiment
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 description, 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.
It please refers to shown in Fig. 1-2, one kind being based on HCE all-purpose card safety of payment Verification System, including mobile phone cloud 1, mobile phone
HCE2, POS machine 3, all-purpose card backstage 4, cloud database 5, payment background system 6, NFC module 7, route system 8, intelligent card-reading
Device 9, embedded system module 10, control processing center 11 and transmitting module 12, the mobile phone cloud 1 and the cloud database
5, the payment background system 6 connects, and the mobile phone cloud 1 is connect with the mobile phone HCE2, the mobile phone HCE2 and the NFC
Module 7 is connect with the route system 8, and the mobile phone HCE2 is connect with the POS machine 3, the POS machine 3 and the intelligent reading
Card device 9 is connect with the embedded system module 10, and the POS machine 3 is connect with the all-purpose card backstage 4, after the all-purpose card
Platform 4 is connect with the control processing center 11 with the transmitting module 12.
As a kind of technical optimization scheme of the invention, the mobile phone cloud 1 and mobile phone HCE2 passes through network connection,
The cloud database 5 and the multi-thread network connection of the payment background system 6.
As a kind of technical optimization scheme of the invention, the mobile phone HCE2 and the POS machine 3 are wirelessly connected, the intelligence
It can card reader 9 and the embedded system module 10 communication connection.
As a kind of technical optimization scheme of the invention, the POS machine 3 is connected to the network with the all-in-one card platform, described
It controls processing center 11 and the transmitting module 12 is electrically connected.
As a kind of technical optimization scheme of the invention, the cloud database 5, the payment background system 6, the control
Same communication network, and the cloud database 5, the payment background system 6, the control are accessed between processing center 11 processed
Processing center 11 is connected in parallel.
In the use of the present invention, accessing mobile phone cloud 1 first, mobile phone cloud 1 includes cloud database 5 and payment backstage is
System 6 accesses cloud database 5, determines that the identity of disburser is consistent with card holder's identity, and payment background system 6 manages third party
The process of payment submits order, and authorizing after payment 6 cross-check information of background system can just pay, it is ensured that the safety of account,
After 1 Certificate Authority of mobile phone cloud, mobile phone HCE2 is accessed, mobile phone HCE2 includes NFC module 7 and route system 8, and NFC module 7 is by mould
Intend into a card, it is only allowed between electronic equipment by dynamic response by read/write information in the radiofrequency field that other equipment issue
Contactless Point-to-Point Data Transmission exchange data are carried out, since near-field communication has natural safety, so safety of payment
Property it is high, route system 8 is to find an optimal transmission paths by each data frame of router, and effectively by the data
Be transmitted to purpose website, then make payment be rapidly completed, then access POS machine 3, POS machine 3 include intelligent card reader 9 with it is embedded
System module 10 accesses intelligent card reader 9, a radio-frequency unit is arranged inside intelligent card reader 9, and intelligent card reader 9 forms magnetic
, card reader reads magnetic information to card therein is placed in by magnetic field, and then coding obtains digital information, embedded system mould
Block 10 is will to execute instruction to weave into inside code implantation POS machine 3, executes the series of instructions of POS machine 3, is the small-sized of POS machine 3
CPU after POS machine 3 emits APDU instruction, selects all-purpose card application, and mobile phone HCE2 receives the radiofrequency signal of the transmitting of POS machine 3, then
Token is returned to, authorization POS machine 3 carries out swiping card to mobile phone HCE2, finally accesses all-purpose card backstage 4, and all-purpose card backstage 4 is wrapped
Control processing center 11 and transmitting module 12 are included, control processing center 11 carries out processing core in the information for receiving the transmission of POS machine 3
It is right, then transmitting module 12 is accessed, after verification determines, emits a signal to POS machine 3POS machine 3 and complete swiping card.
It is obvious to a person skilled in the art that invention is not limited to the details of the above exemplary embodiments, Er Qie
In the case where without departing substantially from spirit or essential attributes of the invention, the present invention can be realized in other specific forms.Therefore, no matter
From the point of view of which point, the present embodiments are to be considered as illustrative and not restrictive, and the scope of the present invention is by appended power
Benefit requires rather than above description limits, it is intended that all by what is fallen within the meaning and scope of the equivalent elements of the claims
Variation is included within the present invention.Any reference signs in the claims should not be construed as limiting the involved claims.
In addition, it should be understood that although this specification is described in terms of embodiments, but not each embodiment is only wrapped
Containing an independent technical solution, this description of the specification is merely for the sake of clarity, and those skilled in the art should
It considers the specification as a whole, the technical solutions in the various embodiments may also be suitably combined, forms those skilled in the art
The other embodiments being understood that.
Claims (5)
1. one kind is based on HCE all-purpose card safety of payment Verification System, it is characterised in that: including mobile phone cloud (1), mobile phone HCE
(2), POS machine (3), all-purpose card backstage (4), cloud database (5), payment background system (6), NFC module (7), route system
(8), intelligent card reader (9), embedded system module (10), control processing center (11) and transmitting module (12), the mobile phone
Cloud (1) is connect with the cloud database (5), the payment background system (6), the mobile phone cloud (1) and the mobile phone
HCE(2) connect, the mobile phone HCE(2) connect with the NFC module (7) with the route system (8), the mobile phone HCE(2)
It is connect with the POS machine (3), the POS machine (3) and the intelligent card reader (9) and the embedded system module (10) are even
It connects, the POS machine (3) connect with the all-purpose card backstage (4), the all-purpose card backstage (4) and the control processing center
(11) it is connect with the transmitting module (12).
2. according to claim 1 a kind of based on HCE all-purpose card safety of payment Verification System, it is characterised in that: the hand
Machine cloud (1) and the mobile phone HCE(2) pass through network connection, the cloud database (5) and the payment background system (6)
Multi-thread network connection.
3. according to claim 1 a kind of based on HCE all-purpose card safety of payment Verification System, it is characterised in that: the hand
Machine HCE(2) it is wirelessly connected with the POS machine (3), the intelligent card reader (9) communicates with the embedded system module (10)
Connection.
4. according to claim 1 a kind of based on HCE all-purpose card safety of payment Verification System, it is characterised in that: the POS
Machine (3) and the all-in-one card platform are connected to the network, and the control processing center (11) and the transmitting module (12) are electrically connected.
5. according to claim 1 a kind of based on HCE all-purpose card safety of payment Verification System, it is characterised in that: the cloud
Client database (5), the payment background system (6) access same communication network, and institute between the control processing center (11)
State cloud database (5), the payment background system (6), the control processing center (11) are connected in parallel.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811098396.2A CN108960808A (en) | 2018-09-20 | 2018-09-20 | One kind being based on HCE all-purpose card safety of payment Verification System |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811098396.2A CN108960808A (en) | 2018-09-20 | 2018-09-20 | One kind being based on HCE all-purpose card safety of payment Verification System |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108960808A true CN108960808A (en) | 2018-12-07 |
Family
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811098396.2A Pending CN108960808A (en) | 2018-09-20 | 2018-09-20 | One kind being based on HCE all-purpose card safety of payment Verification System |
Country Status (1)
| Country | Link |
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| CN (1) | CN108960808A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110414982A (en) * | 2019-07-10 | 2019-11-05 | 武汉城市一卡通有限公司 | A kind of all-purpose card method of commerce and system |
| CN114639209A (en) * | 2022-03-24 | 2022-06-17 | 中国银行股份有限公司 | POS machine consumption verification setting method and system based on 5G message |
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| CN106296174A (en) * | 2016-08-08 | 2017-01-04 | 东信和平科技股份有限公司 | A kind of small amount payment card device based on HCE technology and its implementation |
| CN106355004A (en) * | 2016-08-27 | 2017-01-25 | 挂号网（杭州）科技有限公司 | Resident health card based on entity card virtualization achieving method and system platform |
| CN107730243A (en) * | 2017-07-20 | 2018-02-23 | 深圳市微盾科技有限公司 | A kind of card user and POS interactive system and method |
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2018
- 2018-09-20 CN CN201811098396.2A patent/CN108960808A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106296162A (en) * | 2015-06-11 | 2017-01-04 | 上海方付通商务服务有限公司 | A kind of NFC payment system based on HCE and mobile terminal |
| CN106296174A (en) * | 2016-08-08 | 2017-01-04 | 东信和平科技股份有限公司 | A kind of small amount payment card device based on HCE technology and its implementation |
| CN106355004A (en) * | 2016-08-27 | 2017-01-25 | 挂号网（杭州）科技有限公司 | Resident health card based on entity card virtualization achieving method and system platform |
| CN107730243A (en) * | 2017-07-20 | 2018-02-23 | 深圳市微盾科技有限公司 | A kind of card user and POS interactive system and method |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110414982A (en) * | 2019-07-10 | 2019-11-05 | 武汉城市一卡通有限公司 | A kind of all-purpose card method of commerce and system |
| CN114639209A (en) * | 2022-03-24 | 2022-06-17 | 中国银行股份有限公司 | POS machine consumption verification setting method and system based on 5G message |
| CN114639209B (en) * | 2022-03-24 | 2024-02-23 | 中国银行股份有限公司 | POS machine consumption verification setting method and system based on 5G message |
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| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20181207 |
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| RJ01 | Rejection of invention patent application after publication |