CN109583856A - A kind of certificate chain payment gateway system and its application method - Google Patents
A kind of certificate chain payment gateway system and its application method Download PDFInfo
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- CN109583856A CN109583856A CN201811330954.3A CN201811330954A CN109583856A CN 109583856 A CN109583856 A CN 109583856A CN 201811330954 A CN201811330954 A CN 201811330954A CN 109583856 A CN109583856 A CN 109583856A
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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
- G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
-
- 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
- G06Q20/322—Aspects of commerce using mobile devices [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
- G06Q20/40145—Biometric identity checks
Abstract
The present invention relates to on-line payment technical fields, more specifically, it is related to a kind of certificate chain payment gateway system and its application method, user initiates payment request in payment terminal, it is verified by identity information of the payment gateway service device to user, payment gateway service device initiates checking request to multicenter authentication module；Multicenter authentication module includes identity authenticating unit, biometric verification unit and certificate verification unit；Multicenter memory module storage verifying record；Payment gateway handles received payment request, and bank of deposit's title of user, the electronic ID card ID of user, Bank Account Number and life assemblage feature are bound, unique electronic bank accounts are generated.Payment gateway will realize the transaction between trade company and the electronic bank accounts of user, and store transaction records.Banking supervision department is responsible for each transaction data of real-time oversight, and save transaction record by setting up audit server.
Description
Technical field
The present invention relates to on-line payment technical fields, more specifically, be related to a kind of certificate chain payment gateway system and its
Application method.
Background technique
When on-line payment refers to that the seller and buyer are traded by the e-commerce website on internet, bank and other
Third party provides online capital settlement tool for it.Payment gateway (Payment Gateway) be bank finance network system and
Interface between Internet network is being converted to the data transmitted on Internet inside financial institution by bank operations
One group of server apparatus of data, or the third party by assigning handle the payment instruction of merchant payment information and customer.
With the development of internet technology, on-line payment is applied to more and more in various electric business platforms.Difference
The payment process under traditional wire, on-line payment have the advantages that more convenient, more efficiently, are widely used for people.However, electric business is flat
Platform needs during in face of access channel of disbursement based on the considerations of factors such as access difficulty, audient, manpower and financial resources, and
One or more channel of disbursement are selected in conjunction with own situation.When a variety of channel of disbursement of electric business platform selecting, for example connect simultaneously
Enter Alipay, financial logical, Unionpay, since each provides different access interfaces, electric business platform must be for each branch
Channel investment learning cost and cost of access are paid, the waste to manpower financial capacity is formed, and each channel of disbursement is generated
Transaction can not carry out centralized management；From operation angle analysis, different channel of disbursement brings different reconciliation systems, undoubtedly
Also it will increase the operation cost of electric business platform.
In addition, existing on-line payment method carries out payment there are security risk with traditional bank account and password, one
Denier account information leakage, it will cause account amount of money stolen, there are security risks；Existing payment platform by with net connection, silver
Connection connection is traded, and bank can not achieve the function to Third-party payment platform insider transaction supervision.
Summary of the invention
In the presence of overcoming the shortcomings of the prior art, the present invention provides a kind of certificate chain payment gateway system, solves
The operation cost, security breaches of electric business platform and bank cannot realize insider transaction prison to Third-party payment platform in the prior art
Pipe problem realizes online unified payment.
In order to solve the above-mentioned technical problem, the technical scheme adopted by the invention is as follows:
A kind of certificate chain payment gateway system, the system include payment terminal, payment gateway and payment gateway service device, the branch
It pays terminal and is provided with information acquisition module, multicenter authentication module and multicenter memory module；The payment terminal and payment net
It closes and is wirelessly connected, the payment gateway and payment gateway service device are wirelessly connected；
For the payment terminal for collecting user information and issuing transaction request to payment gateway, the payment terminal is provided with letter
Breath acquisition module is for obtaining subscriber identity information and biological information；
The information acquisition module is connected with identity information acquisition device, biomedical information acquisition device and certificate-information acquiring device, described
Information acquisition module carries out identity letter for controlling identity information acquisition device, biomedical information acquisition device and certificate-information acquiring device
The acquisition of breath, biological information and certificate information；The biomedical information acquisition device include face acquisition unit, fingerprint collecting unit and
Iris capturing unit；
The multicenter authentication module includes identity authenticating unit, biometric verification unit, certificate verification unit, the authentication
Comparison of the unit for the identity information of identity information acquisition device acquisition and the face information of biomedical information acquisition device acquisition, it is described
Biometric verification unit is for the finger print information of biomedical information acquisition device acquisition, iris information and the fingerprint for being reserved in biological information library
The comparison of information, iris information, the audit for enterprise's license that the certificate verification unit is used to acquire certificate-information acquiring device；
The payment gateway is used to receive the payment request of payment terminal, by bank of deposit's title of user, the electronic identity of user
Card ID, Bank Account Number and life assemblage feature are bound, and unique electronic bank accounts are generated, and realize trade company and user
Transaction between electronic bank accounts, and store transaction records；The payment gateway is connect with bank interface, banking supervision department
Audit server real-time oversight transaction data, save transaction record；
The payment gateway service device includes multicenter authentication module and multicenter memory module, and the multicenter authentication module is used
In verifying user information, the multicenter memory module is used to store the verifying record of multicenter authentication module.
Further, the payment terminal includes processor, memory, and the information acquisition module, multicenter verify mould
Block and the storage of multicenter memory module on a memory, and can be run in the processor.
Further, the identity information acquisition device, biomedical information acquisition device and certificate-information acquiring device are logical with terminal
The component crossing the specific installation of electrical connection or being integrated into a whole with payment terminal equipment.
A kind of application method of certificate chain payment gateway system, activating method, payment gateway including payment gateway system
The transfer account method of the cashing method of system, the mode of payment of payment gateway system and payment gateway system.
Further, the payment gateway activating method the following steps are included:
S1, open payment gateway service: the administrator of personal, trade company or business licenses enters payment terminal, and payment is opened in application
Gateway service opens gateway requests to the initiation of payment gateway service device by payment gateway；
S2, the verifying of machine consistency on messaging: payment terminal obtains the cell-phone number and cell phone apparatus IMEI code of user, compares machine number letter
Whether breath is consistent, if unanimously, saving and comparing record, carries out authentication and biometric authentication to user；
S3, authentication and biometric authentication: pass through the information acquisition module of payment terminal successively typing face information, finger print information
Biological information is obtained with iris information, and obtains identity information；Payment gateway service device is verified with multicenter by wireless communication
Module is connected, and initiates checking request, the people that the identity authenticating unit of multicenter authentication module will acquire to multicenter authentication module
Face photo is compared with the human face photo on identity card in identity information, saves and compares record, finger print information and iris information
It is verified in mobile phone terminal, saves verifying record；
Payment gateway service is opened if it is the administrator of business licenses, then the certificate verification unit of multicenter authentication module will be right
The certificate information of enterprise is verified, and license validity is audited, and saves verifying record；By machine number verifying record, authentication note
Record and biometric authentication record pass through multicenter memory module distributed storage；
S4, electronic bank accounts are generated: opens payment gateway service if it is personal or trade company, then payment gateway service device receives
To multicenter authentication module return be verified as a result, the user that payment gateway will acquire electronic ID card ID code, use
Bank Account Number, bank of deposit's title and the life assemblage feature of user of family binding generate unique personal electricity by Encryption Algorithm
Sub- bank account, Encryption Algorithm are symmetric encipherment algorithms using the world Encryption Algorithm AES, AES, and encryption key and decruption key are
It is identical；
Payment gateway service is opened if it is enterprise, then the bank that payment gateway binds the electronics license ID code of enterprise, enterprise
The life assemblage feature of the administrator of account, bank of deposit's title and business licenses generates unique business-electronic bank account；
S5, individual, trade company or enterprise open payment gateway completion.
Further, the payment gateway cashing method the following steps are included:
S1, trade company enter payment gateway system, provide payment terminal and collect money；
S2, trade company pass through the biomedical information acquisition device of payment terminal successively typing face information, finger print information and iris information
Biological information initiates gathering request to payment gateway service device；
S3, payment gateway service device initiate checking request to multicenter authentication module by wireless communication；Multicenter authentication module
The human face photo that will acquire of identity authenticating unit be compared with the human face photo on identity card in identity information, save and compare
Record；Biometric verification unit will verify finger print information and iris information, save verifying record；If biometric information verification
Pass through, then verifying record is stored by multicenter memory module, verification result is returned into payment gateway service device and branch
Pay terminal；
S4, payment gateway service device will be handled the payment request received, generate code of collecting money, and be sent to trade company；
S5, trade company show code of collecting money in payment terminal, and user obtains a yard information of collecting money, the code that will collect money letter by scanning code of collecting money
Breath is sent to payment gateway service device by Encryption Algorithm；Payment gateway service device returns to the information that code of collecting money corresponds to user；
S6, user initiate transfer request to payment gateway service device in payment terminal typing payment amount；
S7, user pass through biomedical information acquisition device successively typing face information, finger print information and iris information in payment terminal, lead to
It crosses payment gateway service device and initiates biometric authentication request to multicenter authentication module；The identity authenticating unit of multicenter authentication module
The face information that will acquire is compared with the human face photo on identity card in identity information, saves and compares record；Biometric authentication
Unit will verify finger print information and iris information, save verifying record；
If S8, biometric authentication pass through, payment gateway service device receives transfer request, the e-bank's account bound using user
It pays the bill at family；Payment gateway service device will notify payment gateway to transfer accounts, and record transfer information, while the record that will transfer accounts
Backup to audit server；Transfer feedback information is returned to user, trade company and payment gateway service device by payment gateway；Trade company exists
Payment terminal receives gathering and successfully reminds, then success of collecting money.
Further, the payment gateway mode of payment the following steps are included:
S1, user enter payment terminal, pay on application by payment gateway system；
S2, user pass through the biomedical information acquisition device of payment terminal successively typing face information, finger print information and iris information
Biological information initiates payment request to payment gateway service device；
S3, payment gateway service device initiate checking request to multicenter authentication module by wireless communication；Multicenter authentication module
The human face photo that will acquire of identity authenticating unit be compared with the human face photo on identity card in identity information, save and compare
Record；Biometric information verification unit will verify finger print information and iris information, save verifying record；If biological information
It is verified, then verifying record is stored by multicenter memory module, verification result is returned into payment gateway service device
And payment terminal；
S4, payment gateway service device will be handled the payment request received, generate payment code, and be sent to user；
S5, user show payment code in payment terminal, and trade company passes through the NFC inducing function of payment terminal, obtain payment code information,
Payment gateway service device is sent by Encryption Algorithm by payment code information；Payment gateway service device returns to payment code and corresponds to trade company
Information；
S6, trade company input payment amount in payment terminal, and the order that payment is generated returns to payment terminal, and takes to payment gateway
Business device initiates transfer request；
S7, user click confirmation payment in payment terminal, and payment gateway service device receives transfer request, are bound using user
Electronic bank accounts are paid the bill；Payment gateway service device will notify payment gateway to transfer accounts, and record transfer information, simultaneously
The record that will transfer accounts backups to audit server；Transfer feedback information is returned to user, trade company and payment gateway and taken by payment gateway
Business device；User receives the prompting of successful payment in payment terminal, then successful payment.
Further, the payment gateway transfer account method the following steps are included:
S1, transfer request, the Instant Messenger that the administrator that user or business entity authorize passes through payment terminal are initiated in payment terminal
News application selects the good friend to be transferred accounts, while initiating transfer request to payment gateway service device by payment gateway；Payment gateway
Server will inquire the information of good friend in the database, and returning to other side is the user information that can transfer accounts；
S2, in payment terminal typing identity information and biological information: user or administrator input transfer amounts in payment terminal,
By information acquisition module successively typing face information, finger print information and iris information, and obtain identity information；To payment gateway
Server initiates transfer request；
S3, payment gateway service device will carry out authentication and biometric authentication: initiate checking request to multicenter authentication module；
Face in S4, the face information that will acquire of identity authenticating unit of multicenter authentication module and identity information on identity card
Photo is compared, and saves and compares record；Biometric verification unit will verify finger print information and iris information, save verifying
Record stores verifying record by multicenter memory module；
It transfers accounts if it is the administrator of business entity's authorization, then the certificate verification unit of multicenter authentication module will be to enterprise
License is verified, and verifying record is saved；
S5, payment gateway carry out transfer operation: if identity information and biometric information verification pass through, payment gateway service device is logical
It crosses wireless communication and issues notice of transferring accounts to payment gateway；Payment gateway receives transfer request, e-bank's account that user is bound
Family carries out transfer operation, and saves record of transferring accounts, and transfer data is backuped to audit server simultaneously, and audit server will be real
When supervise each transaction data；
Transfer result is returned to payment terminal and payment gateway service device by S6, payment gateway, and user receives in payment terminal to be turned
The successful message of account, then success of transferring accounts.
Further, the multicenter memory module using distributed storage mode store acquisition information, verification information and
Transaction Information.
Compared with prior art, the advantageous effect of present invention is that:
The present invention provides a kind of certificate chain payment gateway system and its application methods, initiate payment request in payment terminal, lead to
It crosses payment gateway service device to verify the identity information of user, payment gateway service device is tested to the initiation of multicenter authentication module
Card request；Multicenter authentication module includes identity authenticating unit, biometric verification unit and certificate verification unit；Multicenter stores mould
Block storage verifying record；Payment gateway handles received payment request, by bank of deposit's title of user, the electronics of user
Identity card ID, Bank Account Number and life assemblage feature are bound, and unique electronic bank accounts are generated, and payment gateway will be realized
Transaction between trade company and the electronic bank accounts of user, and store transaction records.Banking supervision department is by setting up audit
Server is responsible for each transaction data of real-time oversight, and saves transaction record.
Detailed description of the invention
Fig. 1 is a kind of flow diagram of the activating method of certificate chain payment gateway system of the present invention；
Fig. 2 is a kind of flow diagram of the trade company of certificate chain payment gateway system of the present invention to the cashing method of user；
Fig. 3 is a kind of flow diagram of the user of certificate chain payment gateway system of the present invention to the mode of payment of trade company；
Fig. 4 is a kind of flow diagram of the transfer account method of certificate chain payment gateway system of the present invention.
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.
A kind of certificate chain payment gateway system, the system include payment terminal, payment gateway and payment gateway service device, institute
It states payment terminal and is provided with information acquisition module, multicenter authentication module and multicenter memory module；The payment terminal and branch
It pays gateway to be wirelessly connected, the payment gateway and payment gateway service device are wirelessly connected；
For the payment terminal for collecting user information and issuing transaction request to payment gateway, the payment terminal is provided with letter
Breath acquisition module is for obtaining subscriber identity information and biological information；
The information acquisition module is connected with identity information acquisition device, biomedical information acquisition device and certificate-information acquiring device, described
Information acquisition module carries out identity letter for controlling identity information acquisition device, biomedical information acquisition device and certificate-information acquiring device
The acquisition of breath, biological information and certificate information；The biomedical information acquisition device include face acquisition unit, fingerprint collecting unit and
Iris capturing unit；
The multicenter authentication module includes identity authenticating unit, biometric verification unit, certificate verification unit, the authentication
Comparison of the unit for the identity information of identity information acquisition device acquisition and the face information of biomedical information acquisition device acquisition, it is described
Biometric verification unit is for the finger print information of biomedical information acquisition device acquisition, iris information and the fingerprint for being reserved in biological information library
The comparison of information, iris information, the audit for enterprise's license that the certificate verification unit is used to acquire certificate-information acquiring device；
The payment gateway is used to receive the payment request of payment terminal, by bank of deposit's title of user, the electronic identity of user
Card ID, Bank Account Number and life assemblage feature are bound, and unique electronic bank accounts are generated, and realize trade company and user
Transaction between electronic bank accounts, and store transaction records；The payment gateway is connect with bank interface, banking supervision department
Audit server real-time oversight transaction data, save transaction record；
The payment gateway service device includes multicenter authentication module and multicenter memory module, and the multicenter authentication module is used
In verifying user information, the multicenter memory module is used to store the verifying record of multicenter authentication module.
In the present embodiment, the payment terminal includes processor, memory, and the information acquisition module, multicenter are tested
It demonstrate,proves module and the storage of multicenter memory module on a memory, and can be run in the processor.
The terminal, including processor, memory and be stored on the memory and can run on the processor
Computer program, wherein one or more can be used in processor and memory, and program is stored in memory, and by
Be configured to be executed by processor, when processor executes the program, realize payment gateway system application method the step of.
Computer program can be divided into one or more modules, and one or more of modules are stored in described
It in memory, and is executed by the processor, to complete the present invention.One or more of modules can be can complete it is specific
The series of computation machine program instruction section of function, the instruction segment is for describing the computer program in the electronic tax bill
Implementation procedure in terminal device.For example, the computer program can be divided into information acquisition module, multicenter verifying mould
Block and multicenter memory module.
The payment terminal equipment can be portable telephone terminal, desktop PC, notebook, palm PC and cloud
Server etc. is held to calculate equipment.The payment terminal terminal device may include, but be not limited only to, processor, memory, such as institute
Stating electronic tax bill terminal device can also include input-output equipment, network access equipment, bus etc..
Alleged processor can be central processing unit (Central Processing Unit, CPU), can also be it
His general processor, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic device
Part, discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processing
Device etc., the processor are the control centres of the payment terminal equipment, entirely pay net using various interfaces and connection
The various pieces of end equipment.
The memory can be used for storing the module, and the processor is stored in the memory by operation or execution
Interior module, and the data being stored in memory are called, realize the various functions of the electronic tax bill terminal device.
The memory can mainly include storing program area and storage data area, wherein storing program area can storage program area, at least
Application program needed for one function (such as fingerprint recognition, fingerprint authentication etc.) etc.；Storage data area can be stored according to mobile phone
Use created data (such as finger print information, electronics certificate information etc.) etc..In addition, memory may include that high speed is deposited at random
Access to memory can also include nonvolatile memory, such as hard disk, memory, plug-in type hard disk, intelligent memory card (Smart
Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card), at least one magnetic
Disk storage device, flush memory device or other volatile solid-state parts.
In the present embodiment, the identity information acquisition device, biomedical information acquisition device and certificate-information acquiring device are existing
Equipment or module, the identity information acquisition device, biomedical information acquisition device and certificate-information acquiring device and payment gateway terminal knot
Be integrated equipment.
A kind of application method of certificate chain payment gateway system, activating method, payment gateway including payment gateway system
The transfer account method of the cashing method of system, the mode of payment of payment gateway system and payment gateway system.
As shown in Figure 1, the activating method of the payment gateway the following steps are included:
S1, open payment gateway service: the administrator of personal, trade company or business licenses enters payment terminal, and payment is opened in application
Gateway service opens gateway requests to the initiation of payment gateway service device by payment gateway；
S2, the verifying of machine consistency on messaging: payment terminal obtains the cell-phone number and cell phone apparatus IMEI code of user, compares machine number letter
Whether breath is consistent, if unanimously, saving and comparing record, carries out authentication and biometric authentication to user；
S3, authentication and biometric authentication: pass through the information acquisition module of payment terminal successively typing face information, finger print information
Biological information is obtained with iris information, and obtains identity information；Payment gateway service device is verified with multicenter by wireless communication
Module is connected, and initiates checking request to multicenter authentication module,
S4, multicenter authentication module the identity authenticating unit human face photo and identity information that will acquire in face on identity card
Photo is compared, and saves and compares record, and finger print information and iris information are verified in mobile phone terminal, saves verifying record；
Payment gateway service is opened if it is the administrator of business licenses, then the certificate verification unit of multicenter authentication module will be right
The certificate information of enterprise is verified, and license validity is audited, and saves verifying record；By machine number verifying record, authentication note
Record and biometric authentication record pass through multicenter memory module distributed storage；
S5, electronic bank accounts are generated: opens payment gateway service if it is personal or trade company, then payment gateway service device receives
To multicenter authentication module return be verified as a result, the user that payment gateway will acquire electronic ID card ID code, use
Bank Account Number, bank of deposit's title and the life assemblage feature of user of family binding generate unique personal electricity by Encryption Algorithm
Sub- bank account, Encryption Algorithm use AES symmetric encipherment algorithm；
Payment gateway service is opened if it is enterprise, then the bank that payment gateway binds the electronics license ID code of enterprise, enterprise
The life assemblage feature of the administrator of account, bank of deposit's title and business licenses generates unique enterprise's electricity by Encryption Algorithm
Sub- bank account；
S6, individual, trade company or enterprise open payment gateway completion.
As shown in Fig. 2, the cashing method of the payment gateway the following steps are included:
S1, trade company enter payment gateway system, provide payment terminal and collect money；
S2, trade company information acquisition module successively typing face information, finger print information and the iris information of payment terminal biology
Information initiates gathering request to payment gateway service device；
S3, payment gateway service device initiate checking request to multicenter authentication module by wireless communication；Multicenter authentication module
The human face photo that will acquire of identity authenticating unit be compared with the human face photo on identity card in identity information, save and compare
Record；Biometric verification unit will verify finger print information and iris information, save verifying record；If biometric information verification
Pass through, then verifying record is stored by multicenter memory module, verification result is returned into payment gateway service device and branch
Pay terminal；
S4, payment gateway service device will be handled the payment request received, generate code of collecting money, and be sent to trade company；
S5, trade company show code of collecting money in payment terminal, and user obtains a yard information of collecting money, the code that will collect money letter by scanning code of collecting money
Breath is sent to payment gateway service device by Encryption Algorithm；Payment gateway service device returns to the information that code of collecting money corresponds to user；
S6, user initiate transfer request to payment gateway service device in payment terminal typing payment amount；
S7, user pass through biomedical information acquisition module successively typing face information, finger print information and iris information in payment terminal,
Biometric authentication request is initiated to multicenter authentication module by payment gateway service device；The authentication list of multicenter authentication module
The face information that member will acquire is compared with the human face photo on identity card in identity information, saves and compares record；Biology is tested
Card unit will verify finger print information and iris information, save verifying record；
If S8, biometric authentication pass through, payment gateway service device receives transfer request, the e-bank's account bound using user
It pays the bill at family；Payment gateway service device will notify payment gateway to transfer accounts, and record transfer information, while the record that will transfer accounts
Backup to audit server；Transfer feedback information is returned to user, trade company and payment gateway service device by payment gateway；Trade company exists
Payment terminal receives gathering and successfully reminds, then success of collecting money.
As shown in figure 3, the mode of payment of the payment gateway the following steps are included:
S1, user enter payment terminal, pay on application by payment gateway system；
S2, user pass through the biomedical information acquisition device of payment terminal successively typing face information, finger print information and iris information
Biological information initiates payment request to payment gateway service device；
S3, payment gateway service device initiate checking request to multicenter authentication module by wireless communication；Multicenter authentication module
The human face photo that will acquire of identity authenticating unit be compared with the human face photo on identity card in identity information, save and compare
Record；Biometric information verification unit will verify finger print information and iris information, save verifying record；If biological information
It is verified, then verifying record is stored by multicenter memory module, verification result is returned into payment gateway service device
And payment terminal；
S4, payment gateway service device will be handled the payment request received, generate payment code, and be sent to user；
S5, user show payment code in payment terminal, and trade company passes through the NFC inducing function of payment terminal, obtain payment code information,
Payment gateway service device is sent by Encryption Algorithm by payment code information；Payment gateway service device returns to payment code and corresponds to trade company
Information；
S6, trade company input payment amount in payment terminal, and the order that payment is generated returns to payment terminal, and takes to payment gateway
Business device initiates transfer request；
S7, user click confirmation payment in payment terminal, and payment gateway service device receives transfer request, are bound using user
Electronic bank accounts are paid the bill；Payment gateway service device will notify payment gateway to transfer accounts, and record transfer information, simultaneously
The record that will transfer accounts backups to audit server；Transfer feedback information is returned to user, trade company and payment gateway and taken by payment gateway
Business device；User receives the prompting of successful payment in payment terminal, then successful payment.
As shown in figure 4, the transfer account method of the payment gateway the following steps are included:
S1, transfer request, the Instant Messenger that the administrator that user or business entity authorize passes through payment terminal are initiated in payment terminal
News application selects the good friend to be transferred accounts, while initiating transfer request to payment gateway service device by payment gateway；Payment gateway
Server will inquire the information of good friend in the database, and returning to other side is the user information that can transfer accounts；
S2, in payment terminal typing identity information and biological information: user or administrator input transfer amounts in payment terminal,
By information acquisition module successively typing face information, finger print information and iris information, and obtain identity information；To payment gateway
Server initiates transfer request；
S3, payment gateway service device will carry out authentication and biometric authentication: initiate checking request to multicenter authentication module；
Face in S4, the face information that will acquire of identity authenticating unit of multicenter authentication module and identity information on identity card
Photo is compared, and saves and compares record；Biometric verification unit will verify finger print information and iris information, save verifying
Record stores verifying record by multicenter memory module；
It transfers accounts if it is the administrator of business entity's authorization, then the certificate verification unit of multicenter authentication module will be to enterprise
License is verified, and verifying record is saved；
S5, payment gateway carry out transfer operation: if identity information and biometric information verification pass through, payment gateway service device is logical
It crosses wireless communication and issues notice of transferring accounts to payment gateway；Payment gateway receives transfer request, e-bank's account that user is bound
Family carries out transfer operation, and saves record of transferring accounts, and transfer data is backuped to audit server simultaneously, and audit server will be real
When supervise each transaction data；
Transfer result is returned to payment terminal and payment gateway service device by S6, payment gateway, and user receives in payment terminal to be turned
The successful message of account, then success of transferring accounts.
In the present embodiment, the reserved finger print information in the biological information library and iris information are existing information.
In the present embodiment, the multicenter memory module stores information using distributed storage mode.
Only presently preferred embodiments of the present invention is explained in detail above, but the present invention is not limited to above-described embodiment,
Within the knowledge of a person skilled in the art, it can also make without departing from the purpose of the present invention each
Kind variation, various change should all be included in the protection scope of the present invention.
Claims (9)
1. a kind of certificate chain payment gateway system, it is characterised in that: the system includes payment terminal, payment gateway and payment gateway
Server, the payment terminal are provided with information acquisition module, multicenter authentication module and multicenter memory module；The payment
Terminal and payment gateway are wirelessly connected, and the payment gateway and payment gateway service device are wirelessly connected；
For the payment terminal for collecting user information and issuing transaction request to payment gateway, the payment terminal is provided with letter
Breath acquisition module is for obtaining subscriber identity information and biological information；
The information acquisition module is connected with identity information acquisition device, biomedical information acquisition device and certificate-information acquiring device, described
Information acquisition module carries out identity letter for controlling identity information acquisition device, biomedical information acquisition device and certificate-information acquiring device
The acquisition of breath, biological information and certificate information；The biomedical information acquisition device include face acquisition unit, fingerprint collecting unit and
Iris capturing unit；
The multicenter authentication module includes identity authenticating unit, biometric verification unit, certificate verification unit, the authentication
Comparison of the unit for the identity information of identity information acquisition device acquisition and the face information of biomedical information acquisition device acquisition, it is described
Biometric verification unit is for the finger print information of biomedical information acquisition device acquisition, iris information and the fingerprint for being reserved in biological information library
The comparison of information, iris information, the audit for enterprise's license that the certificate verification unit is used to acquire certificate-information acquiring device；
The payment gateway is used to receive the payment request of payment terminal, by bank of deposit's title of user, the electronic identity of user
Card ID, Bank Account Number and life assemblage feature are bound, and are generated unique electronic bank accounts by Encryption Algorithm, are realized quotient
Transaction between family and the electronic bank accounts of user, and store transaction records；The payment gateway is connect with bank interface,
The audit server real-time oversight transaction data of banking supervision department saves transaction record；
The Encryption Algorithm is using international Encryption Algorithm AES；AES is symmetric encipherment algorithm, and the key of encryption and decryption is identical
's；
The payment gateway service device includes multicenter authentication module and multicenter memory module, and the multicenter authentication module is used
In verifying user information, the multicenter memory module is used to store the verifying record of multicenter authentication module.
2. a kind of certificate chain payment gateway system according to claim 1, it is characterised in that: the payment terminal includes place
Device, memory are managed, the information acquisition module, multicenter authentication module and multicenter memory module store on a memory, and
It can be run in the processor.
3. a kind of certificate chain payment gateway system according to claim 1, it is characterised in that: the identity information acquisition
Device, biomedical information acquisition device and certificate-information acquiring device are to pass through the specific installation or and payment terminal equipment being electrically connected with terminal
The component being integrated into a whole.
4. a kind of application method of certificate chain payment gateway system, it is characterised in that: activating method including payment gateway system,
The transfer account method of the cashing method of payment gateway system, the mode of payment of payment gateway system and payment gateway system.
5. a kind of application method of certificate chain payment gateway system according to claim 4, which is characterized in that the payment
The activating method of gateway the following steps are included:
S1, open payment gateway service: the administrator of personal, trade company or business licenses enters payment terminal, and payment is opened in application
Gateway service opens gateway requests to the initiation of payment gateway service device by payment gateway；
S2, the verifying of machine consistency on messaging: payment terminal obtains the cell-phone number and cell phone apparatus IMEI code of user, compares machine number letter
Whether breath is consistent, if unanimously, saving and comparing record, carries out authentication and biometric authentication to user；
S3, authentication and biometric authentication: pass through the information acquisition module of payment terminal successively typing face information, finger print information
Life assemblage characteristic information is obtained with iris information, and obtains identity information；Payment gateway service device by wireless communication with it is more
Central authentication module is connected, and initiates checking request to multicenter authentication module, the identity authenticating unit of multicenter authentication module will
The human face photo of acquisition is compared with the human face photo on identity card in identity information, save compare record, finger print information and
Iris information is verified in mobile phone terminal, saves verifying record；
Payment gateway service is opened if it is the administrator of business licenses, then the certificate verification unit of multicenter authentication module will be right
The certificate information of enterprise is verified, and license validity is audited, and saves verifying record；By machine number verifying record, authentication note
Record and biometric authentication record pass through multicenter memory module distributed storage；
S4, electronic bank accounts are generated: opens payment gateway service if it is personal or trade company, then payment gateway service device receives
To multicenter authentication module return be verified as a result, the user that payment gateway will acquire electronic ID card ID code, use
Bank Account Number, bank of deposit's title and the life assemblage feature of user of family binding generate unique personal electric silver by encryption
Row account；Encryption Algorithm selects symmetric encipherment algorithm AES to decrypt directly using given private key encryption using given private key,
The key of encryption and decryption is identical；
Payment gateway service is opened if it is enterprise, then the bank that payment gateway binds the electronics license ID code of enterprise, enterprise
The life assemblage feature of the administrator of account, bank of deposit's title and business licenses generates unique business-electronic bank account；
S5, individual, trade company or enterprise open payment gateway completion.
6. a kind of application method of certificate chain payment gateway system according to claim 4, which is characterized in that the payment net
The cashing method of pass the following steps are included:
S1, trade company enter payment gateway system, provide payment terminal and collect money；
S2, trade company pass through the biomedical information acquisition device of payment terminal successively typing face information, finger print information and iris information
Biological information initiates gathering request to payment gateway service device；
S3, payment gateway service device initiate checking request to multicenter authentication module by wireless communication；Multicenter authentication module
The human face photo that will acquire of identity authenticating unit be compared with the human face photo on identity card in identity information, save and compare
Record；Biometric verification unit will verify finger print information and iris information, save verifying record；If biometric information verification
Pass through, then verifying record is stored by multicenter memory module, verification result is returned into payment gateway service device and branch
Pay terminal；
S4, payment gateway service device will be handled the payment request received, generate code of collecting money, and be sent to trade company；
S5, trade company show code of collecting money in payment terminal, and user obtains a yard information of collecting money, the code that will collect money letter by scanning code of collecting money
Breath is sent to payment gateway service device by Encryption Algorithm；Payment gateway service device returns to the information that code of collecting money corresponds to user；
S6, user initiate transfer request to payment gateway service device in payment terminal typing payment amount；
S7, user pass through biomedical information acquisition device successively typing face information, finger print information and iris information in payment terminal, lead to
It crosses payment gateway service device and initiates biometric authentication request to multicenter authentication module；The identity authenticating unit of multicenter authentication module
The face information that will acquire is compared with the human face photo on identity card in identity information, saves and compares record；Biometric authentication
Unit will verify finger print information and iris information, save verifying record；
If S8, biometric authentication pass through, payment gateway service device receives transfer request, the e-bank's account bound using user
It pays the bill at family；Payment gateway service device will notify payment gateway to transfer accounts, and record transfer information, while the record that will transfer accounts
Backup to audit server；Transfer feedback information is returned to user, trade company and payment gateway service device by payment gateway；Trade company exists
Payment terminal receives gathering and successfully reminds, then success of collecting money.
7. a kind of application method of certificate chain payment gateway system according to claim 4, which is characterized in that the payment net
The mode of payment of pass the following steps are included:
S1, user enter payment terminal, pay on application by payment gateway system；
S2, user pass through the biomedical information acquisition device of payment terminal successively typing face information, finger print information and iris information
Biological information initiates payment request to payment gateway service device；
S3, payment gateway service device initiate checking request to multicenter authentication module by wireless communication；Multicenter authentication module
The human face photo that will acquire of identity authenticating unit be compared with the human face photo on identity card in identity information, save and compare
Record；Biometric information verification unit will verify finger print information and iris information, save verifying record；If biological information
It is verified, then verifying record is stored by multicenter memory module, verification result is returned into payment gateway service device
And payment terminal；
S4, payment gateway service device will be handled the payment request received, generate payment code, and be sent to user；
S5, user show payment code in payment terminal, and trade company passes through the NFC inducing function of payment terminal, obtain payment code information,
Payment gateway service device is sent by Encryption Algorithm by payment code information；Payment gateway service device returns to payment code and corresponds to trade company
Information；
S6, trade company input payment amount in payment terminal, and the order that payment is generated returns to payment terminal, and takes to payment gateway
Business device initiates transfer request；
S7, user click confirmation payment in payment terminal, and payment gateway service device receives transfer request, are bound using user
Electronic bank accounts are paid the bill；Payment gateway service device will notify payment gateway to transfer accounts, and record transfer information, simultaneously
The record that will transfer accounts backups to audit server；Transfer feedback information is returned to user, trade company and payment gateway and taken by payment gateway
Business device；User receives the prompting of successful payment in payment terminal, then successful payment.
8. a kind of application method of certificate chain payment gateway system according to claim 4, which is characterized in that the payment net
The transfer account method of pass the following steps are included:
S1, transfer request, the Instant Messenger that the administrator that user or business entity authorize passes through payment terminal are initiated in payment terminal
News application selects the good friend to be transferred accounts, while initiating transfer request to payment gateway service device by payment gateway；Payment gateway
Server will inquire the information of good friend in the database, and returning to other side is the user information that can transfer accounts；
S2, in payment terminal typing identity information and biological information: user or administrator input transfer amounts in payment terminal,
By information acquisition module successively typing face information, finger print information and iris information, and obtain identity information；To payment gateway
Server initiates transfer request；
S3, payment gateway service device will carry out authentication and biometric authentication: initiate checking request to multicenter authentication module；
Face in S4, the face information that will acquire of identity authenticating unit of multicenter authentication module and identity information on identity card
Photo is compared, and saves and compares record；Biometric verification unit will verify finger print information and iris information, save verifying
Record stores verifying record by multicenter memory module；
It transfers accounts if it is the administrator of business entity's authorization, then the certificate verification unit of multicenter authentication module will be to enterprise
License is verified, and verifying record is saved；
S5, payment gateway carry out transfer operation: if identity information and biometric information verification pass through, payment gateway service device is logical
It crosses wireless communication and issues notice of transferring accounts to payment gateway；Payment gateway receives transfer request, e-bank's account that user is bound
Family carries out transfer operation, and saves record of transferring accounts, and transfer data is backuped to audit server simultaneously, and audit server will be real
When supervise each transaction data；
Transfer result is returned to payment terminal and payment gateway service device by S6, payment gateway, and user receives in payment terminal to be turned
The successful message of account, then success of transferring accounts.
9. a kind of application method of certificate chain payment gateway system according to any one of claim 5-8 claim,
It is characterized by: the multicenter memory module stores information using distributed storage mode.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811176328 | 2018-10-10 | ||
| CN2018111763283 | 2018-10-10 |
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| Publication Number | Publication Date |
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| CN109583856A true CN109583856A (en) | 2019-04-05 |
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| Application Number | Title | Priority Date | Filing Date |
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Cited By (1)
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