CN113450110A - Secure payment system - Google Patents
Secure payment system Download PDFInfo
- Publication number
- CN113450110A CN113450110A CN202010224525.9A CN202010224525A CN113450110A CN 113450110 A CN113450110 A CN 113450110A CN 202010224525 A CN202010224525 A CN 202010224525A CN 113450110 A CN113450110 A CN 113450110A
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- encryption unit
- encryption
- card reader
- pos terminal
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- 230000002159 abnormal effect Effects 0.000 claims abstract description 24
- 238000004891 communication Methods 0.000 claims description 10
- 238000001514 detection method Methods 0.000 claims description 5
- 230000005540 biological transmission Effects 0.000 claims description 4
- 230000007613 environmental effect Effects 0.000 claims description 4
- 238000013461 design Methods 0.000 abstract description 4
- 238000010586 diagram Methods 0.000 description 8
- 238000000034 method Methods 0.000 description 6
- 238000005516 engineering process Methods 0.000 description 2
- 238000011161 development Methods 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000012545 processing Methods 0.000 description 1
- 230000001960 triggered effect Effects 0.000 description 1
- 208000008918 voyeurism Diseases 0.000 description 1
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/602—Providing cryptographic facilities or services
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
- H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
- H04L63/0442—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload wherein the sending and receiving network entities apply asymmetric encryption, i.e. different keys for encryption and decryption
Abstract
The invention provides a secure payment system, comprising: a card reader, the card reader comprising: a reading unit to read account information of the read payment card; the first encryption unit is coupled with the reading unit and used for encrypting the account information to obtain an account information ciphertext; a POS terminal in data connection with the card reader, the POS terminal comprising: the input unit is used for receiving a PIN code input by a user; the second encryption unit is coupled with the input unit and used for encrypting the PIN code to obtain a PIN code ciphertext; the second encryption unit is further configured to detect an abnormal condition of the POS terminal, and if the second encryption unit detects that the abnormal condition exists in the POS terminal, the second encryption unit and the first encryption unit synchronously delete the encryption key, thereby deleting the entire key system. Therefore, the invention not only has low design cost, but also can ensure the safety performance.
Description
Technical Field
The invention relates to the technical field of financial payment, in particular to a secure payment system.
Background
With the rapid development of the electronic payment industry, bank card payment and industry card payment are more and more popular with people due to the characteristics of rapidness and convenience. To secure the cardholder account, the cardholder typically enters a Personal Identification Number (PIN) through a secure POS terminal and is then transmitted by the POS to a payment terminal, which authenticates the cardholder's identity. The POS terminal must pass EMV authentication and PCI authentication to enable it to pay by credit card; in order to prevent the PIN code from being leaked or cracked and protect the property safety of a cardholder, the PIN code must be encrypted and protected in the whole payment process, and the PIN code is prevented from appearing in a plaintext form. Therefore, secure transmission of the PIN code has been an important ring in the payment process. How to transmit the PIN code to the payment terminal securely, there are several ways in general at present:
the first method is as follows: the EMV module is built in the POS terminal, so that a PIN code is input through an input module in the POS terminal, namely the PIN code is input on a code keypad (PIN PAD) of the POS terminal, and then the PIN code is encrypted by the POS terminal and directly transmitted to the payment terminal through a communication module of the POS terminal. However, this method requires the EMV module to be separately developed and designed according to the form of the POS terminal, which results in an increase in the cost of the POS terminal.
The second method comprises the following steps: keyboard equipment such as a mobile phone or a tablet is externally connected with the POS terminal, PIN codes are input and transmitted by the equipment, and the PIN codes are encrypted by the keyboard equipment and then transmitted to the payment terminal; however, general devices such as mobile phones and tablet computers are not financial devices which are used exclusively and subjected to strict security detection, and PIN encryption keys stored on such devices are easy to steal and even replace, so that the PIN encryption is unsafe.
Disclosure of Invention
The invention aims to provide a safe payment system which is low in design cost and can ensure safety performance.
To achieve the above object, the present invention provides a secure payment system, comprising: a card reader, the card reader comprising: a reading unit for reading account information of the payment card; the first encryption unit is coupled with the reading unit and used for encrypting the account information to obtain an account information ciphertext; a point-of-sale terminal (POS terminal) communicatively coupled to the card reader, the POS terminal comprising: an input unit to receive a personal identification number (PIN code) input by a user; the second encryption unit is coupled with the input unit and used for encrypting the PIN code to obtain a PIN code ciphertext; the second encryption unit is further configured to detect an abnormal condition of the POS terminal, and if the second encryption unit detects that the abnormal condition exists in the POS terminal, the second encryption unit and the first encryption unit delete the key respectively.
Preferably, the first encryption unit is further configured to detect an abnormal condition of the card reader, and if the first encryption unit detects that the abnormal condition exists in the card reader, the first encryption unit and the second encryption unit respectively encrypt keys.
Preferably, the first encryption unit and the second encryption unit use the same encryption key for encryption or decryption, so that the card reader and/or the POS terminal can perform data transmission through the encryption key.
Preferably, the input unit includes one or a combination of a keypad and a touch panel.
Preferably, the second encryption unit is coupled to the input unit, so that the second encryption unit detects whether the input unit and the input data received and transmitted by the input unit have abnormal conditions; wherein, the input data comprises the PIN code ciphertext.
Preferably, the POS terminal further includes: the terminal main board is coupled with the input unit and the second encryption unit so that the second encryption unit can simultaneously detect the input unit, the input data received and sent by the input unit and the serial data received and sent by the terminal main board and the terminal main board; the input data comprises the PIN code ciphertext, and the serial data comprises the account information ciphertext and the PIN code ciphertext.
Preferably, the POS terminal further includes a display unit for displaying the operation interface, and a communication unit for communicating with the payment terminal.
Preferably, the card reader provides the account information cryptogram to the POS, and the POS terminal provides the PIN code cryptogram to the card reader.
Preferably, the card reader is in data connection with the POS terminal via an external connector.
Preferably, the exception condition includes: disassembly, circuit tampering, signal detection, environmental conditions, and changes in operating conditions.
Compared with the prior art, the safe payment system provided by the invention can integrate the POS terminal and the card reader into a whole, the POS terminal does not need to be re-developed according to the structure of the card reader, and meanwhile, the PIN code does not need to be input through an external keyboard device. In addition, the card reader and the POS terminal are respectively provided with a first encryption unit and a second encryption unit, when the second encryption unit detects an abnormal condition, the first encryption unit and the second encryption unit synchronously delete the key, namely delete the whole key system, thereby ensuring the safety of the whole safe payment system. The invention has low design cost and can ensure the safety performance.
Drawings
Fig. 1 is a block diagram of a secure payment system provided by an embodiment of the present invention;
FIG. 2 is a block diagram of a secure payment system according to another embodiment of the present invention;
fig. 3 is a schematic application diagram of a secure payment system provided in an embodiment of the present invention;
fig. 4 is a schematic application diagram of a secure payment system according to another embodiment of the present invention.
Detailed Description
In order to further understand the objects, structures, features and functions of the present invention, the following embodiments are described in detail.
Certain terms are used throughout the description and following claims to refer to particular components. As one of ordinary skill in the art will appreciate, manufacturers may refer to a component by different names. The present specification and claims do not intend to distinguish between components that differ in name but not function. In the following description and in the claims, the terms "include" and "comprise" are used in an open-ended fashion, and thus should be interpreted to mean "include, but not limited to.
Referring to fig. 1 to 4, fig. 1 is a block diagram of a secure payment system according to an embodiment of the present invention, fig. 2 is a block diagram of a secure payment system according to another embodiment of the present invention, fig. 3 is an application diagram of a secure payment system according to an embodiment of the present invention, and fig. 4 is an application diagram of a secure payment system according to another embodiment of the present invention.
As shown in fig. 1, the secure payment system 10 provided by the present invention includes: a card reader 10 and a POS terminal 200; the card reader 10 includes a reading unit 101 and a first encryption unit 102, the reading unit 101 is used for reading account information of a read payment card, the first encryption unit 102 is coupled to the reading unit 101, and the first encryption unit 102 is used for encrypting the account information; a point of sale (POS) terminal 200 is in communication connection with the card reader 10, the POS terminal 200 includes an input unit 201 and a second encryption unit 202, the input unit 201 is configured to receive a Personal Identification Number (PIN code) input by a user, the second encryption unit 202 is coupled to the input unit 201, and the second encryption unit 202 is configured to encrypt the PIN code; the second encryption unit 202 is further configured to detect an abnormal condition in the POS terminal 200, and if the second encryption unit 202 detects the abnormal condition, the second encryption unit 202 and the first encryption unit 102 delete the encryption key synchronously, so as to delete the entire key hierarchy.
In practical applications, the payment card may be an EMV chip payment card (debit card or credit card), and the card reader 10 may be an EMV card reader 10, and specifically, the payment card is an EMV contact smart card, which may have a security chip conforming to EMV standards, and the security chip may include data with limited access, which requires a password or encrypted messages. The EMV chip card can be authenticated by inserting the EMV card reader 10, thereby completing the message exchange of security information between the card, the reader and the payment terminal to verify whether the card is authorized for debiting. The first encryption unit 102 and the second encryption unit 202 may encrypt the acquired information (PIN code or account information). The first encryption unit 102 and the second encryption unit 202 may be respectively provided with asymmetric encryption chips, so that the obtained information may be encrypted by using the asymmetric encryption chips. For example, the abnormal condition of the POS terminal 200 may include an attack such as a disconnection, a circuit tampering, a signal detection, a change in environmental conditions and working conditions, and the second encryption unit 202 monitors the POS terminal 200 through a security circuit for tampering attempts in terms of both hardware and software. Preferably, when it detects an abnormal condition, the first encryption unit 102 and the second encryption unit 202 synchronously erase all stored encrypted files (including encryption keys), so as to delete the whole key system, and make the two unable to work normally.
In an embodiment, the card reader 10 of the present invention includes a reading unit 101 and a first encryption unit 102, and the card reader 10 may include one or a combination of a Near Field Communication (NFC) sensor, a Magnetic Stripe Reader (MSR), and an IC card reader. The nfc sensor, the magnetic stripe card reader and the IC card reader in the card reader 10 are all coupled to the first encryption unit 102 to be taken over by the first encryption unit 102, so as to ensure the security of payment.
Preferably, the card reader 10 includes a circuit for supplying power to the payment card and a processing unit such as a security chip in the payment card, so that the payment card can be authenticated with the card reader, for example, the card reader 10 can read account information of a user of the payment card, where the account information may include a name of a card holder, a card number, transaction information, and the like. After the card reader 10 receives the account information, the first encryption unit 102 encrypts the account information in real time to obtain an account information ciphertext, and transmits the account information ciphertext to the POS terminal 200.
Furthermore, the first encryption unit 102 can also detect an abnormal condition in the card reader 10, and if the first encryption unit 102 detects that the abnormal condition exists in the card reader 10, the first encryption unit 102 and the second encryption unit 202 synchronously delete the encryption key, so as to delete the whole key system.
Specifically, the first encryption unit 102 and the second encryption unit 202 may respectively include a first security circuit and a second security circuit, which are respectively used to detect abnormal conditions in the respective modules. For example, when the POS terminal 200 is attacked by a power-off, a circuit tampering, a signal detection, a change in environmental conditions and working conditions, etc., the second security circuit is triggered, and the second security circuit receives the signal and then immediately sends the signal to the first security circuit, so that the first security circuit and the second security circuit respectively control the first encryption unit 102 and the second encryption unit 202 to synchronously delete all encrypted files in the storage area.
In an embodiment, the POS terminal 200 of the invention includes an input unit 201 and a second encryption unit 202, where the input unit 201 may be one or a combination of a keypad and a touch panel, that is, the input unit 201 may only include a keypad for inputting a PIN code, may also simultaneously implement input and display functions through the touch panel, or may also implement a combination of the keypad and the touch panel, and the invention is not limited thereto.
Further, when the input unit 201 includes a touch panel, the cardholder can directly input the PIN code on the touch panel, and the PIN code is input by using a secure random keyboard, and in addition, the touch panel is connected to the first encryption unit 102, and when the cardholder is in a PIN code input state, the input PIN code is encrypted by the first encryption unit 102 into a PIN code ciphertext, and meanwhile, the touch panel does not display the plaintext, but uses a special symbol such as a type (#) bag body to prevent peeping by others, and if the input is not a PIN code input operation but another operation input to the POS terminal 200, the encryption operation by the first encryption unit 102 is not required.
Preferably, the first encryption unit 102 and the second encryption unit 202 use the same encryption key for encryption or decryption, so that the card reader 10 and the POS terminal 200 perform data transmission by using the encryption key.
As shown in fig. 3, the second encryption unit 202 is coupled to the input unit 201, so that the second encryption unit 202 can detect whether there is an abnormal condition in the input data received and transmitted by the input unit 201 and the input unit 201, and it can be understood that the input data includes a PIN code ciphertext. Preferably, the second encryption unit 202 and the input unit 201 are integrated on the same control board, so that the second encryption unit 202 can detect the abnormal condition in the input unit 201 in real time. That is, in this embodiment, the second encryption unit 202 is configured to detect the first protection area 1001, and the first protection area 1001 may include a control board of the input unit 201.
As shown in fig. 2 to 4, the POS terminal 200 further includes a terminal main board 203, which is configured to provide an Android operating system or a Windows operating system, so as to add any application program and add more value added services, for example, add application programs such as airline reservation and online shopping in the POS terminal 200, so that the application is flexible and the payment is diversified. As mentioned in the above embodiment, after receiving the PIN code, the input unit 201 is encrypted by the second encryption unit 202 to obtain a PIN code ciphertext, and then the PIN code ciphertext is transmitted to the card reader 10, and then the card reader 10 integrates the account information ciphertext and the PIN code ciphertext into serial data to be sent to the terminal motherboard 203, and finally the serial data is uploaded to the payment terminal (i.e. the payment processing center) by the terminal motherboard 203 to complete the payment transaction. In this embodiment, the second encryption unit 202 is coupled to the input unit 201 and the second encryption unit 202 respectively to detect the input data sent and received by the input unit 201 and the serial data sent and received by the terminal main board 203 and the terminal main board 203 at the same time, that is, the detecting of the second protection area 1002 by the second encryption unit 202 may include: a control board of the input unit 201 and a CPU unit of the terminal main board 203.
In an embodiment, the POS terminal 200 may further include a display unit 204 for displaying an operation interface, as mentioned in the above embodiment, when the input unit 201 includes a touch panel, the POS terminal 200 may directly display the operation interface through the touch panel, in addition, the POS terminal 200 further includes a communication unit 205 for communicating with the payment terminal, the communication unit 205 may be in communication connection with the payment terminal through a WLAN technology, or in communication connection with the payment terminal through a WWAN technology, which is not limited by the present invention.
In one embodiment, the card reader 10 and the POS terminal 200 can be connected by an external connector, so that the card reader 10 and the POS terminal 200 can be electrically and data connected by the external connector. The external connector may be a pogo pin connector. However, the card reader 10 and the POS terminal 200 may be connected by other connection methods, and the invention is not limited thereto.
In summary, the present invention provides a secure payment system 10 that can integrate a POS terminal 200 and a card reader 10 into one, without redeveloping the POS terminal 200 according to the structure of the card reader 10, and without inputting a PIN code through an external keyboard device. In addition, the card reader 10 and the POS terminal 200 of the present invention are respectively provided with the first encryption unit 102 and the second encryption unit 202, and the first encryption unit 102 and the second encryption unit 202 simultaneously detect an abnormal condition, and when any encryption unit detects an abnormal condition, the first encryption unit 102 and the second encryption unit 202 delete the key synchronously, that is, delete the whole key system, thereby ensuring the security of the whole secure payment system 10. The invention has low design cost and can ensure the safety performance.
The present invention has been described in relation to the above embodiments, which are only exemplary of the implementation of the present invention. It should be noted that the disclosed embodiments do not limit the scope of the invention. Rather, it is intended that all such modifications and variations be included within the spirit and scope of this invention.
Claims (10)
1. A secure payment system, comprising:
a card reader, the card reader comprising:
a reading unit for reading account information of the payment card;
the first encryption unit is coupled with the reading unit and used for encrypting the account information to obtain an account information ciphertext;
a point-of-sale terminal (POS terminal) communicatively coupled to the card reader, the POS terminal comprising:
an input unit to receive a personal identification number (PIN code) input by a user;
the second encryption unit is coupled with the input unit and used for encrypting the PIN code to obtain a PIN code ciphertext;
the second encryption unit is further configured to detect an abnormal condition of the POS terminal, and if the second encryption unit detects that the abnormal condition exists in the POS terminal, the second encryption unit and the first encryption unit delete the key respectively.
2. The secure payment system of claim 1, wherein the first encryption unit is further configured to detect an abnormal condition of the card reader, and if the first encryption unit detects the abnormal condition in the card reader, the first encryption unit and the second encryption unit respectively encrypt keys.
3. The secure payment system of claim 1, wherein the first encryption unit and the second encryption unit use the same encryption key for encryption or decryption, so that the card reader and/or the POS terminal can perform data transmission through the encryption key.
4. The secure payment system of claim 1, wherein the input unit comprises one or a combination of a keypad and a touch panel.
5. The secure payment system of claim 1, wherein the second encryption unit is coupled to the input unit, such that the second encryption unit detects whether an abnormal condition exists in the input data received and transmitted by the input unit and the input unit;
wherein, the input data comprises the PIN code ciphertext.
6. The secure payment system of claim 1, wherein the POS terminal further comprises:
the terminal main board is coupled with the input unit and the second encryption unit so that the second encryption unit can simultaneously detect the input unit, the input data received and sent by the input unit and the serial data received and sent by the terminal main board and the terminal main board;
the input data comprises the PIN code ciphertext, and the serial data comprises the account information ciphertext and the PIN code ciphertext.
7. The secure payment system of claim 5 or 6, wherein the POS terminal further comprises a display unit for displaying an operation interface, and a communication unit for communicating with the payment terminal.
8. The secure payment system of claim 1 wherein the card reader provides the account information cryptogram to the POS and the POS terminal provides the PIN code cryptogram to the card reader.
9. A secure payment system as recited in claim 1, wherein the card reader is in data communication with the POS terminal via an external connector.
10. A secure payment system as recited in claim 1, wherein the exception condition comprises: disassembly, circuit tampering, signal detection, environmental conditions, and changes in operating conditions.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010224525.9A CN113450110A (en) | 2020-03-26 | 2020-03-26 | Secure payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010224525.9A CN113450110A (en) | 2020-03-26 | 2020-03-26 | Secure payment system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN113450110A true CN113450110A (en) | 2021-09-28 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202010224525.9A Withdrawn CN113450110A (en) | 2020-03-26 | 2020-03-26 | Secure payment system |
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| CN (1) | CN113450110A (en) |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1766920A (en) * | 2005-11-01 | 2006-05-03 | 广州好易联支付网络有限公司 | On-line safety payment system |
| CN102147662A (en) * | 2011-03-14 | 2011-08-10 | 张龙其 | Input terminal with keyboard and encryption module |
| CN103337117A (en) * | 2012-08-28 | 2013-10-02 | 上海方付通商务服务有限公司 | Mobile card-swiping terminal |
| KR20140128912A (en) * | 2014-09-30 | 2014-11-06 | 한국정보통신주식회사 | Card reader, terminal and method for processing payment information thereof |
-
2020
- 2020-03-26 CN CN202010224525.9A patent/CN113450110A/en not_active Withdrawn
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1766920A (en) * | 2005-11-01 | 2006-05-03 | 广州好易联支付网络有限公司 | On-line safety payment system |
| CN102147662A (en) * | 2011-03-14 | 2011-08-10 | 张龙其 | Input terminal with keyboard and encryption module |
| CN103337117A (en) * | 2012-08-28 | 2013-10-02 | 上海方付通商务服务有限公司 | Mobile card-swiping terminal |
| KR20140128912A (en) * | 2014-09-30 | 2014-11-06 | 한국정보통신주식회사 | Card reader, terminal and method for processing payment information thereof |
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Application publication date: 20210928 |