CN110414982A - A kind of all-purpose card method of commerce and system - Google Patents
A kind of all-purpose card method of commerce and system Download PDFInfo
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- CN110414982A CN110414982A CN201910621936.9A CN201910621936A CN110414982A CN 110414982 A CN110414982 A CN 110414982A CN 201910621936 A CN201910621936 A CN 201910621936A CN 110414982 A CN110414982 A CN 110414982A
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- purpose card
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- token
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- 238000000034 method Methods 0.000 title claims abstract description 34
- 238000012795 verification Methods 0.000 claims abstract description 11
- 238000013475 authorization Methods 0.000 claims abstract description 8
- 230000008569 process Effects 0.000 claims description 12
- 238000012550 audit Methods 0.000 claims description 4
- 238000012384 transportation and delivery Methods 0.000 abstract description 3
- 230000006872 improvement Effects 0.000 description 10
- 238000007726 management method Methods 0.000 description 6
- 238000012545 processing Methods 0.000 description 5
- 238000010586 diagram Methods 0.000 description 4
- 238000005516 engineering process Methods 0.000 description 3
- 230000005540 biological transmission Effects 0.000 description 2
- 238000012423 maintenance Methods 0.000 description 2
- 230000004044 response Effects 0.000 description 2
- 238000012360 testing method Methods 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000008859 change Effects 0.000 description 1
- 238000004891 communication Methods 0.000 description 1
- 230000007547 defect Effects 0.000 description 1
- 235000013399 edible fruits Nutrition 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 238000009472 formulation Methods 0.000 description 1
- 239000003550 marker Substances 0.000 description 1
- 239000000203 mixture Substances 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000012544 monitoring process Methods 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
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
- G06Q20/38—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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/409—Device specific authentication in transaction processing
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
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- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of all-purpose card method of commerce and systems, wherein user sends Token registration information and Token registration request to registrar by all-purpose card payment terminal；User receives the registration Token sent after registrar verifying；User provides the registration Token to businessman；Businessman clears the validity that Token is registered described in port authorization by all-purpose card, and verification information and payment information are sent to payment server；The information exchange between port is cleared by all-purpose card payment terminal, registrar, payment server and all-purpose card, and the delivery of registrar, payment server and external financial system, realize that the payment transaction of user and businessman are realized in the registration of Token and Token.
Description
Technical field
The invention belongs to PCB to be laid out field, and in particular to a kind of all-purpose card method of commerce and system.
Background technique
As smart phone and the comprehensive of mobile Internet are popularized, this cashless payment mode of mobile payment is gradually wide
The big masses receive and like, two dimensional code and NFC are then the most important two ways of current mobile payment.Two dimensional code payment victory is in letter
Single quick, NFC payment is then even better in terms of safety.The present invention is then that one kind is sharp on the basis of marking payment technology
All-purpose card method for authenticating and system are realized with two dimensional code or NFC.
Payment marking technology is that formally issued by international chip card standardization body EMVCo in 2014 one is newest
Technology, principle is to replace bank's card number to carry out transaction verification by payment label (Token), so that card number information be avoided to reveal
Bring risk.Paying marking is that the process of traditional bank card primary account number is substituted using a unique numerical value, simultaneously
Ensure that the application of the value is limited at specific trade company, channel or an equipment.Payment label can be used in bank card business dealing
Links, as the existing transaction based on bank's card number, can in the industry inter-bank use, have versatility.
Tong Ka company is generally paid using IC card at present, and two dimensional code or the only simple of NFC payment is used to call
Alipay, wechat payment or own wallet interface complete payment field of traffic
The disadvantages of master, there are real names easy to be lost, easy to damage, non-.
Summary of the invention
Aiming at the above defects or improvement requirements of the prior art, the present invention provides a kind of all-purpose card method of commerce and it is
System clears the information exchange between port by all-purpose card payment terminal, registrar, payment server and all-purpose card, with
And the delivery of registrar, payment server and external financial system, realize that user is realized in the registration of Token and Token
With the payment transaction of businessman.
To achieve the above object, according to one aspect of the present invention, a kind of all-purpose card method of commerce is provided, including following
Step:
User sends Token registration information and Token registration request to registrar by all-purpose card payment terminal；
User receives the registration Token sent after registrar verifying；
User provides registration Token to businessman；
Businessman clears the validity that Token is registered in port authorization by all-purpose card, and verification information and payment information are sent out
Payment server is given, to realize the payment transaction of user and businessman.
As a further improvement of the present invention, Token registration information includes the payment account information and validity period letter of user
Breath.
As a further improvement of the present invention, the means of payment of all-purpose card payment terminal includes that all-purpose card has wallet branch by oneself
The payment terminal payment and external third party for paying, having financial payment licence plate withhold bill payment.
As a further improvement of the present invention, the verification process of registrar includes: to receive from all-purpose card payment terminals
The registration information of mouth simultaneously carries out payment account information audit；Payment account information after the approval, is distributed unique all-purpose card and is connect
Inbound port ID gives all-purpose card payment terminal, while recording corresponding tag field control parameter.
As a further improvement of the present invention, registration Token include all-purpose card ciphertext, current time stamp encrypted cipher text and from
Data ciphertext is defined, all-purpose card ciphertext includes using symmetrically or non-symmetrically algorithm for encryption all-purpose card payment terminal ID, ciphertext are effective
Phase, cipher-text versions, Token type and spending amount limitation；
Current time stamp encrypted cipher text includes the timestamp of asymmetric arithmetic encryption all-purpose card access interface；
Customized ciphertext includes the self-defining data of all-purpose card access interface.
As a further improvement of the present invention, businessman clears the validity that Token is registered in port authorization by all-purpose card and has
Body process is,
Whether the character string head of verifying registration Token is with specified character start of string；
All-purpose card ciphertext is decrypted, decryption failure is then refused to trade, and prompts registration Token invalid；
The validity period of corresponding all-purpose card access interface ID and all ciphertexts are got, ciphertext is expired if it exists, refuses to hand over
Easily, prompt Token is out of date.
As a further improvement of the present invention, payment information includes electronic certificate information corresponding with registration Token.
As a further improvement of the present invention, the payment transaction of user and businessman include:
The validity for verifying registration Token corresponding with payment information verifies invalid refusal transaction；
The data check all-purpose card access interface ID corresponding with payment information stored using registrar signature library, no
Matching is then refused to trade；
The corresponding transaction domain control element of data check payment information stored using registrar signature library is mismatched then
Refusal transaction；
Registrar verifies transaction data according to type of transaction.
To achieve the above object, other side according to the invention provides a kind of all-purpose card transaction system comprising
All-purpose card payment terminal, registrar, payment server and all-purpose card clear port, hand over for realizing above-mentioned all-purpose card
Easy method.
As a further improvement of the present invention, all-purpose card payment terminal, registrar, payment server and all-purpose card are clear
It calculates port to be sequentially connected, registrar connects external financial system with payment server.
In general, through the invention it is contemplated above technical scheme is compared with the prior art, have below beneficial to effect
Fruit:
A kind of all-purpose card method of commerce of the invention and system pass through all-purpose card payment terminal, registrar, payment clothes
The information exchange and registrar, payment server and external financial system being engaged between device and all-purpose card clearance port
Delivery, realize Token registration and Token realize user and businessman payment transaction, using token instead of traditional IC card
Piece is traded, and improves transaction convenience, at the same to the transaction message in process of exchange using national secret algorithm SM2 SM3 SM4
It is encrypted etc. multiple safety has been carried out, it is ensured that the safety of transaction.
Detailed description of the invention
Fig. 1 is a kind of Token legitimacy verifies flow diagram of all-purpose card method of commerce of the embodiment of the present invention；
Fig. 2 is a kind of structural schematic diagram of all-purpose card transaction system of the embodiment of the present invention.
Specific embodiment
In order to make the objectives, technical solutions, and advantages of the present invention clearer, with reference to the accompanying drawings and embodiments, right
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
In addition, as long as technical characteristic involved in the various embodiments of the present invention described below is each other not
Constituting conflict can be combined with each other.The present invention is described in more detail With reference to embodiment.
Fig. 1 is a kind of Token legitimacy verifies flow diagram of all-purpose card method of commerce of the embodiment of the present invention.Such as figure
Shown in 1, this method comprises the following steps:
User sends Token registration information and Token registration request to registrar by all-purpose card payment terminal；
Specifically, Token registration information includes the identity information and tag field control information of all-purpose card payment terminal；Tag field
Controlling information includes payment account information, and all-purpose card payment terminal can be provided by all-purpose card APP, public platform or small routine, is belonged to
Product is had by oneself in all-purpose card, all-purpose card be can be used to have wallet by oneself and is paid；All-purpose card payment terminal can also be by wechat, payment
Treasured, Unionpay, business bank or operator provide, itself have financial payment licence plate, can be used own payment terminal into
Row payment；Other ports that all-purpose card payment terminal can not also have payment licence plate provide, such as comment, Meituan etc., can be with
The payment to realize bill is withheld by own wallet balances or external third party；
User receives the registration Token sent after registrar verifying；
Specifically, it receives the registration information from all-purpose card payment terminal and carries out payment account information audit；Branch is paid a bill
After family signal auditing passes through, unique all-purpose card access interface ID (TRID) is distributed to all-purpose card payment terminal, while being recorded pair
The corresponding tag field control parameter of all-purpose card access interface ID is used for subsequent transaction verification, wherein payment account information audit
Including interacting the validity to confirm payment account information with external banking network port.
As a preferred scheme, all-purpose card payment terminal can also propose to nullify application to registrar.Such as one
Cartoon payment terminal, which exists, violates the case where registrar management requires, and registrar has the right to give all-purpose card payment terminal
With kick out；After cancellation, registrar recycles TRID, and the registration Token of the all-purpose card payment terminal and its application is done
Crash handling, the timely informing business related side of all-purpose card payment terminal, and all relevant informations stored in system should be carried out
DecryptDecryption is destroyed.
As a preferred scheme, registrar has following functions:
The continuous service of signature library and maintenance；The generation and publication of Token；Token life cycle management, including attribute is more
New and condition managing etc.；Marking is gone to handle；Judge whether Token state is normal, correct response affiliated party request；Security application
And control, guarantee the safety of information storage, transmission and processing；Domain control processing, including transaction amount, transaction channel, trade company's model
It encloses；The management of all-purpose card access interface, including all-purpose card access interface legitimate verification, registration, cancellation, business risk notice
Deng；Establish and manage the data-interface with all-purpose card access interface, business demand side；Fraud information is shared, registrar with
Fraud information is shared between PA publisher (payment account counterparty, that is, external financial system), other registrar.
Registering Token includes all-purpose card ciphertext, current time stamp encrypted cipher text and self-defining data cipher-text information, wherein
All-purpose card ciphertext designated length and packet header is fixed, as an example, packet header are started with similar ykttoken；
All-purpose card ciphertext, the certification for all-purpose card for each all-purpose card access interface, when all-purpose card access interface to
When all-purpose card application ciphertext, according to the number of all-purpose card access interface, all-purpose card side encrypts port using symmetrical/asymmetric arithmetic
The information such as number and ciphertext validity period, cipher-text versions, TOKEN type (public transport, subway etc.), spending amount limitation return to one
Cartoon access interface；
Current time stamp encrypted cipher text, the timestamp including asymmetric arithmetic encryption all-purpose card access interface, part master
After will be convenient for gate end decryption all-purpose card ciphertext, according to corresponding port numbering, be decrypted using the asymmetric arithmetic of corresponding ports
All-purpose card access interface timestamp, for judging whether the timestamp is expired, not excessive interferes with all-purpose card access interface
Other ciphertext data；
Self-defining data ciphertext, the ciphertext are supplied to the self-defining data of all-purpose card access interface, when gate normal authentication
After port identities, registrar, which remains untouched the self-defining data, is pushed to switching clearance side, for clearance root of transferring
It carries out user according to ciphertext data to deduct fees, the functions such as user reminding.The part ciphertext length can be customized, preferred as one
Scheme, of length no more than 200 bytes.
User provides registration Token to businessman；
Register the generating process of Token are as follows:
It is applied for the registration of Token from all-purpose card access interface to registrar；
Registrar needs to use to external financial system (PA publisher) verifying all-purpose card when receiving label application
The identity information and Empirical likelihood at family；
Verification result is back to registrar by external financial system；
After completing account verification, registrar generates registration TOKEN, and is handed down to all-purpose card access interface.
Businessman clears the validity that Token is registered in port authorization by all-purpose card, and verification information and payment information are sent out
Payment server is given to realize the payment transaction of user and businessman.
Specifically, businessman by all-purpose card clear port authorization register the validity detailed process of Token as,
Whether the character string head of verifying registration Token is with specified character start of string, for example ykttoken；
All-purpose card ciphertext is decrypted by all-purpose card symmetric/asymmetric key, if decryption failure, refuses to trade, is prompted
It is invalid to register TOKEN；
All-purpose card ciphertext successful decryption gets the validity period of corresponding all-purpose card access interface ID and all ciphertexts, if
It is expired that there are ciphertexts, then prompts Token out of date.
Current time stamp encrypted cipher text is decrypted according to the asymmetric public key of all-purpose card access interface ID, if decryption is lost
It losing, then prompts, this code is invalid, and refusal transaction, if successful decryption, timestamp is expired, then and prompt Token out of date, refusal transaction,
Otherwise payment information is formed according to solution confidential information, carries out next step operation.
All-purpose card clears port, and by payment information, (comprising the electronic certificate information traded for identification, which is answered
The registration Token used with this payment is corresponded) it is sent to payment server, payment server sends out above-mentioned payment information
External financial system is given to complete to pay.It can initiate to go to mark by payment server or switching clearance direction in process of exchange
Noteization process.
Process of exchange is specific as follows:
It goes during marking, needs validity (validity period, flag state of registration Token corresponding to payment information
Deng) verified, if registration Token is invalid, should refuse to trade；
The all-purpose card access interface ID of payment information is verified, all-purpose card access interface (TRID) is a control data element,
It should be verified in transaction, if the payment stored in the TRID in transaction message and registrar signature library marks
When corresponding TRID is mismatched, it should refuse to trade.
Extract domain from payment information and control relevant data element, and with transaction domain control element ratio defined in registrar
It is right, if mismatching, refuse to trade；
Payment server, which according to payment information corresponds to type of transaction, to carry out transaction data authentication and (tests that magnetic, to test authorization requests close
Text etc.) operation, it is ensured that trading information safety is credible.
Fig. 2 is a kind of structural schematic diagram of all-purpose card transaction system of the embodiment of the present invention.As shown in Fig. 2, the system packet
Include sequentially connected all-purpose card payment terminal, registrar, payment server and all-purpose card clearance port, registrar and
Financial system outside payment server connection, wherein registrar is system core role, it provides account label
Application, generation, manage, go the functions such as marking, registration and management responsibility including all-purpose card access interface.According to different
Business scenario, the matched personalizing parameters of the application domain control registrar formulation for accepting channel and label and control are arranged
It applies, is finally reached marker transactions control and risk monitoring and control.All-purpose card access interface as label request entity to registration service
Device application account label.All-purpose card access interface must be registered to registrar, from registrar to all-purpose card incoming end
Mouth distributes unique all-purpose card access interface ID.
The tokenized process of payment data is to register the generating process of Token, is that account is marked for a user
Change processing, need user submit account information, all-purpose card access interface be connected to registrar carry out account, validity period it is defeated
Enter, need to guarantee that all-purpose card access interface uses the safety with registrar intermediate communication link, while needing in registrar
Guarantee the storage safety of all-purpose card access interface request for data.
As a preferred scheme, registrar has following functions:
The continuous service of signature library and maintenance；The generation and publication of Token；Token life cycle management, including attribute is more
New and condition managing etc.；Marking is gone to handle；Judge whether Token state is normal, correct response affiliated party request；Security application
And control, guarantee the safety of information storage, transmission and processing；Domain control processing, including transaction amount, transaction channel, trade company's model
It encloses；The management of all-purpose card access interface, including all-purpose card access interface legitimate verification, registration, cancellation, business risk notice
Deng；Establish and manage the data-interface with all-purpose card access interface, business demand side；Fraud information is shared, registrar with
Fraud information is shared between external financial system, other registrar.
As it will be easily appreciated by one skilled in the art that the foregoing is merely illustrative of the preferred embodiments of the present invention, not to
The limitation present invention, any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should all include
Within protection scope of the present invention.
Claims (10)
1. a kind of all-purpose card method of commerce, which comprises the following steps:
User sends Token registration information and Token registration request to registrar by all-purpose card payment terminal；
User receives the registration Token sent after registrar verifying；
User provides the registration Token to businessman；
Businessman clears the validity that Token is registered described in port authorization by all-purpose card, and verification information and payment information are sent out
Payment server is given, to realize the payment transaction of user and businessman.
2. a kind of all-purpose card method of commerce according to claim 1, which is characterized in that the Token registration information includes
The payment account information and validity period information of user.
3. a kind of all-purpose card method of commerce according to claim 1, which is characterized in that the branch of the all-purpose card payment terminal
Pay mode include all-purpose card have by oneself wallet payment, have financial payment licence plate payment terminal payment and external third party withhold
Bill payment.
4. a kind of all-purpose card method of commerce according to claim 1, which is characterized in that the registrar it is authenticated
Journey includes: to receive the registration information from the all-purpose card payment terminal and carry out payment account information audit；Payment account letter
Breath after the approval, distributes unique all-purpose card access interface ID and gives all-purpose card payment terminal, while recording corresponding tag field
Control parameter.
5. a kind of all-purpose card method of commerce according to claim 1, which is characterized in that the registration Token includes a card
Logical ciphertext, current time stamp encrypted cipher text and self-defining data ciphertext, the all-purpose card ciphertext include using symmetrically or non-symmetrically
Algorithm for encryption all-purpose card payment terminal ID, ciphertext validity period, cipher-text versions, Token type and spending amount limitation；
The current time stamp encrypted cipher text includes the timestamp of asymmetric arithmetic encryption all-purpose card access interface；
The customized ciphertext includes the self-defining data of all-purpose card access interface.
6. a kind of all-purpose card method of commerce according to claim 1, which is characterized in that the businessman is cleared by all-purpose card
Registered described in port authorization the validity detailed process of Token as,
The character string head of the registration Token is verified whether with specified character start of string；
All-purpose card ciphertext is decrypted, decryption failure is then refused to trade, and prompts registration Token invalid；
The validity period of corresponding all-purpose card access interface ID and all ciphertexts are got, ciphertext is expired if it exists, refuse to trade,
Prompt Token out of date.
7. a kind of all-purpose card method of commerce according to claim 1, which is characterized in that the payment information include with it is described
Register the corresponding electronic certificate information of Token.
8. a kind of all-purpose card method of commerce described in any one of -7 according to claim 1, which is characterized in that the user and quotient
Family payment transaction include:
The validity for verifying registration Token corresponding with the payment information verifies invalid refusal transaction；
The data check all-purpose card access interface ID corresponding with the payment information stored using registrar signature library, no
Matching is then refused to trade；
The corresponding transaction domain control element of payment information described in data check using the storage of registrar signature library mismatches then
Refusal transaction；
Registrar verifies transaction data according to type of transaction.
9. a kind of all-purpose card transaction system, which is characterized in that it includes all-purpose card payment terminal, registrar, payment services
Device and all-purpose card clear port, for realizing all-purpose card method of commerce of any of claims 1-8.
10. a kind of all-purpose card transaction system according to shown in claim 9, which is characterized in that the all-purpose card payment terminal, note
Volume server, payment server and all-purpose card clearance port are sequentially connected, and the registrar connects outer with payment server
The financial system in portion.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910621936.9A CN110414982A (en) | 2019-07-10 | 2019-07-10 | A kind of all-purpose card method of commerce and system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910621936.9A CN110414982A (en) | 2019-07-10 | 2019-07-10 | A kind of all-purpose card method of commerce and system |
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Family
ID=68360990
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| CN201910621936.9A Pending CN110414982A (en) | 2019-07-10 | 2019-07-10 | A kind of all-purpose card method of commerce and system |
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Application publication date: 20191105 |