CN115249155A - Payment method, payment system and related equipment based on rich media communication message - Google Patents

Payment method, payment system and related equipment based on rich media communication message Download PDF

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Publication number
CN115249155A
CN115249155A CN202110466303.2A CN202110466303A CN115249155A CN 115249155 A CN115249155 A CN 115249155A CN 202110466303 A CN202110466303 A CN 202110466303A CN 115249155 A CN115249155 A CN 115249155A
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China
Prior art keywords
digital currency
payment
maap
user equipment
string
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CN202110466303.2A
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Chinese (zh)
Inventor
郭建昌
贾聿庸
何峣
鄢欢
欧亮
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China Telecom Corp Ltd
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China Telecom Corp Ltd
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Priority to CN202110466303.2A priority Critical patent/CN115249155A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • 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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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The disclosure provides a payment method, a payment system and related equipment based on rich media communication messages, and relates to the technical field of wireless communication technology and information security. The payment method comprises the following steps: the method comprises the steps that user equipment responds to an operation of purchasing an article, executed by a user based on a rich media communication message article card, calls digital currency payment, generates a transaction signature corresponding to payment information by using a signature technology, forms a digital currency string by the payment information and the corresponding transaction signature, sends the digital currency string to a message platform MaaP service platform, and receives a payment result returned by the MaaP service platform when the received digital currency string is verified to be true; and the MaaP business platform receives the digital currency string, verifies the authenticity of the received digital currency string by using signature verification technology, returns a payment result to the user equipment when verifying that the received digital currency string is authentic, and then carries out asynchronous settlement of the transaction with the digital currency platform. Therefore, the payment efficiency is improved, and the user experience is improved.

Description

Payment method, payment system and related equipment based on rich media communication message
Technical Field
The present disclosure relates to the field of wireless communication technologies and information security technologies, and in particular, to a payment method, a payment system, and a related device based on rich media communication messages.
Background
In some related payment technologies, a user equipment may implement mobile payment based on a MaaP (Messaging as a platform) service platform and a payment platform of a payment application (e.g., wechat, etc.). The payment process comprises the following steps: the method comprises the steps that user equipment sends a request for purchasing goods to a MaaP service platform based on a shopping page, the MaaP service platform and a payment platform of a payment application interactively jump to the payment page of the payment application, the user equipment and the payment platform of the payment application are interacted, the payment platform of the payment application is requested to process a payment request, and the payment condition of the payment platform of the payment application is informed to the user equipment through the MaaP service platform.
In the related payment technology, the user equipment and the platform (the MaaP service platform and the payment platform of the payment application) need to interact many times, the page jumps many times, the payment efficiency is very low, and the user experience is poor.
Disclosure of Invention
One technical problem to be solved by the embodiments of the present disclosure is: the payment efficiency is improved, and the user experience is improved.
According to the embodiment of the invention, when in payment, the user equipment can obtain the payment result only by interacting with the MaaP service platform and not by interacting with the payment platform, and then the MaaP service platform and the digital currency platform perform asynchronous settlement of the transaction.
Some embodiments of the present disclosure provide a payment method based on a rich media communication message, including:
the method comprises the steps that user equipment responds to an operation of purchasing an article, executed by a user based on a rich media communication message article card, calls digital currency payment, generates a transaction signature corresponding to payment information by using a signature technology, forms a digital currency string by the payment information and the corresponding transaction signature, sends the digital currency string to a message platform MaaP service platform, and receives a payment result returned by the MaaP service platform when the received digital currency string is verified to be true;
the MaaP business platform receives the digital currency string, verifies the authenticity of the received digital currency string by using signature verification technology, returns a payment result to the user equipment when verifying that the received digital currency string is authentic, and then carries out asynchronous settlement of the transaction with the digital currency platform.
In some embodiments, invoking, by the user device, a digital currency payment in response to the user performing an operation to purchase the item based on the rich media communication message item card comprises: the rich media communication message application module in the user equipment responds to the operation of purchasing the goods executed by the user based on the rich media communication message goods card, calls the digital currency module in the user equipment according to the digital currency module in the user equipment appointed by the URL address of the uniform resource locator skipped by the purchasing operation carried by the rich media communication message goods card, requests to use the digital currency for payment, and transmits payment information.
In some embodiments, the generating, by the user device, the transaction signature corresponding to the payment information using the signature technique includes: a digital currency module in the user equipment calls an SIM card hard wallet in the user equipment and transmits payment information; and the SIM card hard wallet in the user equipment signs the incoming payment information by using the private key to generate a corresponding transaction signature.
In some embodiments, the step of the user device forming the payment information and the corresponding transaction signature into a digital currency string and sending the digital currency string to the message platform MaaP service platform comprises:
the SIM card hard wallet in the user equipment forms the payment information and the corresponding transaction signature into a digital currency string and returns the digital currency string to a rich media communication message application module in the user equipment;
and the rich media communication message application module in the user equipment sends the digital currency string to the corresponding MaaP service platform according to the URL address of the MaaP service platform, wherein the URL address of the MaaP service platform is preset in the user equipment or carried by a rich media communication message article card.
In some embodiments, the MaaP service platform verifying the authenticity of the received digital currency string using signature verification techniques includes: and the MaaP service platform decrypts the transaction signature in the received digital currency string by using the public key certificate issued by the digital currency platform, compares the payment information obtained by decryption with the payment information in the received digital currency string, and if the comparison result is consistent, the received digital currency string is true.
In some embodiments, the asynchronous settlement of the transaction between the MaaP service platform and the digital currency platform includes:
the MaaP business platform sends the digital currency string of the transaction to the digital currency platform for asynchronous settlement;
and the digital currency platform verifies the authenticity of the received digital currency string by using a signature verification technology, and when the received digital currency string is verified to be authentic, the digital currency platform settles the account for the user according to the payment information in the digital currency string and returns a settlement result to the MaaP service platform.
In some embodiments, the rich media communication message comprises a 5G message.
In some embodiments, the payment information includes a collection wallet address, a payment wallet address, a transaction time, a serial number, an amount.
Some embodiments of the present disclosure provide a user equipment, including:
the rich media communication message application module is configured to respond to an operation of a user for purchasing an article, which is executed based on a rich media communication message article card, call a digital currency module in the user equipment, which is specified by a Uniform Resource Locator (URL) address and jumped according to the purchase operation carried by the rich media communication message article card, call the digital currency module in the user equipment, request for payment by using digital currency and transmit payment information, send a digital currency string generated by a SIM card hard wallet to a corresponding MaaP service platform, and receive a payment result returned by the MaaP service platform when the received digital currency string is verified to be true;
the digital currency module is configured to respond to the calling of the rich media communication message application module, call a SIM card hard wallet in the user equipment and transmit payment information;
and the SIM card hard wallet is configured to respond to the calling of the digital currency module, sign the incoming payment information by using the private key to generate a corresponding transaction signature, and form the payment information and the corresponding transaction signature into a digital currency string and return the digital currency string to the rich media communication message application module in the user equipment.
In some embodiments, the rich media communication message application module is configured to send the digital currency string to a corresponding MaaP service platform according to a URL address of the MaaP service platform, where the URL address of the MaaP service platform is preset in the user equipment or carried by a rich media communication message item card.
Some embodiments of the present disclosure provide a MaaP service platform, including:
the verification module is configured to receive the digital currency string sent by the user equipment, verify the authenticity of the received digital currency string by using signature verification technology, and return a payment result to the user equipment when the received digital currency string is verified to be authentic;
and the asynchronous settlement module is configured to perform asynchronous settlement of the transaction with the digital currency platform after a payment result is returned to the user equipment.
In some embodiments, the verification module is configured to receive a digital currency string sent by the user equipment, decrypt a transaction signature in the received digital currency string by using a public key certificate issued by the digital currency platform, compare the decrypted payment information with payment information in the received digital currency string, and if a comparison result is consistent, indicate that the received digital currency string is true, return a payment result to the user equipment.
Some embodiments of the present disclosure provide a payment system based on rich media communication messages, including: the user equipment, the MaaP service platform, and the digital currency platform are configured to receive the digital currency string sent by the MaaP service platform, verify authenticity of the received digital currency string by using a signature verification technique, settle a payment for the user according to payment information in the digital currency string when verifying that the received digital currency string is authentic, and return a settlement result to the MaaP service platform.
Some embodiments of the present disclosure provide a non-transitory computer readable storage medium having stored thereon a computer program that, when executed by a processor, performs the steps of a rich media communication message-based payment method.
Drawings
The drawings that will be used in the description of the embodiments or the related art will be briefly described below. The present disclosure will be more clearly understood from the following detailed description, which proceeds with reference to the accompanying drawings.
It is to be understood that the drawings in the following description are merely exemplary of the disclosure, and that other drawings may be derived from those drawings by one of ordinary skill in the art without undue inventive faculty.
Fig. 1 illustrates a schematic diagram of a rich media communication message based payment system (short payment system) in some embodiments of the present disclosure.
Fig. 2 illustrates a schematic diagram of a rich media communication message-based payment method (or simply payment method) according to some embodiments of the present disclosure.
Fig. 3 shows a schematic diagram of a user equipment of some embodiments of the present disclosure.
Fig. 4 shows a schematic diagram of a MaaP business platform of some embodiments of the present disclosure.
Fig. 5 is a schematic diagram of a rich media communication message-based payment method (or simply a payment method) according to further embodiments of the disclosure.
Detailed Description
The technical solutions in the embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in the embodiments of the present disclosure.
The words in this disclosure are explained below.
Rich media Communication Services & Suite (RCS) messages are a Communication method proposed by GSMA (global system for Mobile communications Association). The rich media communication message integrates communication services such as voice, message, status bar, location service and the like, and is used for enriching the customer experience of native applications of mobile phones such as conversation, short message, contact and the like. Through the rich media communication message on the mobile phone, not only can characters, pictures or videos be sent, but also an interactive function is achieved.
The rich media communication message is, for example, a "5G message". The '5G message' refers to brand-new upgrade of a message service based on GSMA RCS technical standard by means of a 5G network, the media service capability and the interactive service capability of the message are improved, and the interaction with chatbot (chat robot) industrial messages is realized by introducing a MaaP service platform. The '5G message' brings a brand-new man-machine interaction mode, a user can complete one-stop business experience of service searching, discovery, interaction, payment and the like in a message window, and a brand-new social and information service entrance is established.
The digital currency is a novel payment mode, is based on the concept of 'transaction settlement as soon as possible', does not need to wait for the settlement checking process of a payment platform, and greatly improves the payment efficiency; meanwhile, the system is based on a high-security SIM (Subscriber Identity Module) card wallet, and can provide better user experience and scene coverage for 5G message services.
Fig. 1 illustrates a schematic diagram of a rich media communication message based payment system (short payment system) in some embodiments of the present disclosure.
As shown in fig. 1, the payment system of this embodiment includes: the user devices 110, the maap services platform 120, and the digital currency platform 130, may also include a chat robot 140.
The user equipment 110, which provides rich media communication message (such as 5G message) service, such as one-stop service of RCS search, discovery, interaction, payment, etc.; functions of accessing a hard wallet and a soft wallet of the SIM card, controlling security access and the like are provided; the functions of transaction, signature, key management, digital currency management and the like of the digital currency are realized.
The MaaP service platform 120, a rich media communication message (e.g., 5G message) capability open service platform, provides authentication, chatbot service, message service, resource service, interface gateway, digital currency validation, and the like.
The digital currency platform 130 provides digital currency signature verification certificate management, digital currency transaction settlement, and the like.
The chat robot 140 provides enterprise application-side services such as rich media communication message interaction, rich media communication message item card information generation, user interaction, and the like.
The following describes a payment system based rich media communication message based payment method.
Fig. 2 illustrates a schematic diagram of a rich media communication message-based payment method (or simply payment method) according to some embodiments of the present disclosure.
As shown in fig. 2, the payment method of this embodiment includes: 210-240.
In step 210, the chat robot issues rich media communication message item cards to the user equipment through the MaaP service platform.
The rich media communication message article card carries a money receiving wallet address and a Uniform Resource Locator (URL) address of a purchase operation jump, and the URL address information (namely, address information of a digital money module) designated as the digital money address information in the user equipment can also carry information such as money amount.
In step 220, the user device responds to the operation of purchasing the article executed by the user based on the rich media communication message article card, calls digital currency payment, generates a transaction signature corresponding to the payment information by using a signature technology, and forms a digital currency string by the payment information and the corresponding transaction signature and sends the digital currency string to the message platform MaaP service platform. Step 230 is then performed.
Invoking, by the user device, a digital currency payment in response to the user performing an operation to purchase the item based on the rich media communication message item card comprises: the user equipment responds to the operation of purchasing the goods executed by the user based on the rich media communication message goods card, and requests to pay by using the digital currency according to the digital currency address information in the user equipment specified by the URL address jumped by the purchasing operation carried by the rich media communication message goods card.
The user equipment generates a transaction signature corresponding to the payment information by using a signature technology, and the transaction signature comprises the following steps: the user equipment signs the incoming payment information by using the private key to generate a corresponding transaction signature.
The user equipment forms a digital currency string by the payment information and the corresponding transaction signature and sends the digital currency string to the message platform MaaP business platform, and the method comprises the following steps: the user equipment forms the payment information and the corresponding transaction signature into a digital currency string, and the digital currency string is sent to the corresponding MaaP business platform according to the URL address of the MaaP business platform, wherein the URL address of the MaaP business platform is preset in the user equipment or carried by a rich media communication message article card.
The payment information includes the receiving wallet address, the payment wallet address, the transaction time, serial number, and amount. The digital currency string includes payment information and a corresponding transaction signature.
In step 230, the MaaP service platform receives the digital currency string, verifies the authenticity of the received digital currency string using signature verification technology, and returns a payment result to the user device when the received digital currency string is verified to be authentic. Step 240 is then performed.
The MaaP service platform verifies the authenticity of the received digital currency string by using a signature verification technology, and the verification comprises the following steps: the MaaP service platform decrypts the transaction signature in the received digital currency string by using the public key certificate issued by the digital currency platform, compares the payment information obtained by decryption with the payment information in the received digital currency string, and if the comparison result is consistent, the received digital currency string is true.
In step 240, the maap business platform and the digital currency platform perform asynchronous settlement of the transaction.
The asynchronous settlement of the transaction between the MaaP business platform and the digital currency platform comprises the following steps: the MaaP business platform sends the digital currency string of the transaction to the digital currency platform for asynchronous settlement; and the digital currency platform verifies the authenticity of the received digital currency string by using a signature verification technology, and when the received digital currency string is verified to be authentic, the digital currency platform settles the account for the user according to the payment information in the digital currency string and returns a settlement result to the MaaP service platform.
The digital currency platform verifies the authenticity of the received digital currency string by using signature verification technology, and the verification comprises the following steps: and the digital currency platform decrypts the transaction signature in the received digital currency string by using the public key certificate, compares the payment information obtained by decryption with the payment information in the received digital currency string, and if the comparison result is consistent, the received digital currency string is true.
According to the embodiment, when in payment, the user equipment can obtain the payment result only by interacting with the MaaP service platform and not by interacting with the payment platform, and then the MaaP service platform and the digital currency platform perform asynchronous settlement of the transaction. In addition, through signature and verification thereof, repudiation and tampering can be prevented; replay attacks can be prevented by streaming numbers.
Fig. 3 shows a schematic diagram of a user equipment of some embodiments of the present disclosure.
As shown in fig. 3, the user equipment 110 of this embodiment includes: modules 111-113.
The rich media communication message application module 111 provides rich media communication message (e.g., 5G message) services such as one-stop services of search, discovery, interaction, payment, etc. of RCS. Specifically, the rich media communication message application module 111 is configured to respond to an operation of a user for purchasing an article, which is executed based on a rich media communication message article card, call a digital currency module in the user equipment, which is specified by a uniform resource locator URL address jumped according to the purchase operation carried by the rich media communication message article card, call the digital currency module in the user equipment, request payment using digital currency, and transmit payment information, send a digital currency string generated by a SIM card hard wallet to a corresponding MaaP service platform, and receive a payment result returned by the MaaP service platform when the received digital currency string is verified to be true;
the digital currency module 112 provides access to SIM card hard wallets, soft wallets, security access control, and the like. Specifically, the digital currency module 112 is configured to respond to the call of the rich media communication message application module, call a SIM card hard wallet in the user equipment, and transmit payment information;
the SIM card hard wallet 113 implements functions of transaction, signature, key management, digital money management, and the like of digital money. Specifically, the SIM card wallet 113 is configured to sign incoming payment information with a private key in response to a call by the digital currency module to generate a corresponding transaction signature, and to form a digital currency string from the payment information and the corresponding transaction signature and return the digital currency string to the rich media communication message application module in the user equipment.
In some embodiments, the rich media communication message application module 111 is configured to send the digital currency string to the corresponding MaaP service platform according to a URL address of the MaaP service platform, where the URL address of the MaaP service platform is preset in the user equipment or carried by a rich media communication message item card.
Fig. 4 shows a schematic diagram of a MaaP business platform of some embodiments of the present disclosure.
As shown in fig. 4, the MaaP service platform 120 of this embodiment includes:
a verification module 121 configured to receive the digital currency string sent by the user equipment, verify authenticity of the received digital currency string by using signature verification technology, and return a payment result to the user equipment when verifying authenticity of the received digital currency string;
and the asynchronous settlement module 122 is configured to perform asynchronous settlement of the transaction with the digital currency platform after the payment result is returned to the user equipment.
In some embodiments, the verification module 121 is configured to receive a digital currency string sent by the user device, decrypt a transaction signature in the received digital currency string by using a public key certificate issued by the digital currency platform, compare the decrypted payment information with the payment information in the received digital currency string, and if the comparison result is consistent, indicate that the received digital currency string is true, return the payment result to the user device.
Fig. 5 is a schematic diagram of a rich media communication message-based payment method (or simply a payment method) according to further embodiments of the disclosure.
As shown in fig. 5, the payment method of this embodiment includes: 510-590.
In step 510, the chat robot issues a rich media communication message item card to the user equipment through the MaaP service platform.
The rich media communication message item card carries a money receiving wallet address and a Uniform Resource Locator (URL) address for a purchase operation jump, which is designated as digital currency address information (i.e. address information of a digital currency module) in the user equipment and may also carry information such as money amount.
In step 520, the user performs an operation of purchasing an item based on the rich media communication message item card, the rich media communication message application module in the user equipment responds to the operation of purchasing the item performed by the user based on the rich media communication message item card, calls the digital currency module in the user equipment according to the digital currency module in the user equipment specified by the URL address of the purchase operation jump carried by the rich media communication message item card, requests payment by using digital currency, and transmits payment information.
The rich media communication message application module in the user equipment calls the digital currency module in the user equipment through deeplink.
The payment information comprises information such as a collection wallet address, a payment wallet address, transaction time, serial number and amount. The serial number may prevent replay attacks.
At step 530, the digital currency module in the user device invokes the SIM card wallet in the user device and passes in payment information.
The digital currency module in the user equipment calls the SIM card hard wallet in the user equipment through the secure authentication and OMA (Open Mobile Api) interface.
In step 540a, the SIM card wallet in the user device signs the incoming payment information with the private key to generate a corresponding transaction signature, and the payment information and the corresponding transaction signature are combined into a digital currency string.
At step 540b, the SIM card wallet in the user device returns the digital currency string to the rich media communication message application module in the user device.
In step 550, the rich media communication message application module in the user equipment sends the digital currency string to the corresponding MaaP service platform according to the URL address (set as notifyURL) of the MaaP service platform, where the URL address of the MaaP service platform is preset in the user equipment or carried by the rich media communication message item card.
In step 560, the verification module in the maap service platform decrypts the transaction signature in the received digital currency string using the public key certificate issued by the digital currency platform, compares the decrypted payment information with the payment information in the received digital currency string, and if the comparison result is consistent, it indicates that the received digital currency string is authentic.
At step 570, the validation module in the maap service platform returns the payment result to the rich media communication message application module in the user device upon validating the received digital currency string as authentic.
In step 580, the asynchronous settlement module in the maap service platform sends the digital currency string of the transaction to the digital currency platform for asynchronous settlement.
In step 590, the digital currency platform verifies the authenticity of the received digital currency string using signature verification technology, and when the received digital currency string is verified to be authentic, the digital currency platform settles the account for the user according to the payment information in the digital currency string and returns the settlement result to the MaaP service platform.
According to the embodiment, when in payment, the user equipment can obtain the payment result only by interacting with the MaaP business platform and not by interacting with the payment platform, and then the MaaP business platform and the digital currency platform perform asynchronous settlement of the transaction. In addition, through signature and verification thereof, repudiation and tampering can be prevented; replay attacks can be prevented by streaming numbers.
Embodiments of the present disclosure propose a non-transitory computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of a rich media communication message based payment method.
For example, the user equipment responds to the operation of purchasing an article executed by the user based on the rich media communication message article card, calls digital currency payment, generates a transaction signature corresponding to payment information by using a signature technology, forms a digital currency string by the payment information and the corresponding transaction signature and sends the digital currency string to the message platform MaaP service platform, and receives a payment result returned by the MaaP service platform when the received digital currency string is verified to be true; the MaaP business platform receives the digital currency string, verifies the authenticity of the received digital currency string by using signature verification technology, returns a payment result to the user equipment when verifying that the received digital currency string is authentic, and then carries out asynchronous settlement of the transaction with the digital currency platform. See in particular the preceding examples.
As will be appreciated by one of skill in the art, embodiments of the present disclosure may be provided as a method, system, or computer program product. Accordingly, the present disclosure may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present disclosure may take the form of a computer program product embodied on one or more non-transitory computer-readable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer program code embodied therein.
The present disclosure is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the disclosure. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above description is only exemplary of the present disclosure and is not intended to limit the present disclosure, so that any modification, equivalent replacement, or improvement made within the spirit and principle of the present disclosure should be included in the scope of the present disclosure.

Claims (13)

1. A rich media communication message-based payment method, comprising:
the method comprises the steps that user equipment responds to an operation of purchasing an article, executed by a user based on a rich media communication message article card, calls digital currency payment, generates a transaction signature corresponding to payment information by using a signature technology, forms a digital currency string by the payment information and the corresponding transaction signature, sends the digital currency string to a message platform MaaP service platform, and receives a payment result returned by the MaaP service platform when the received digital currency string is verified to be true;
the MaaP business platform receives the digital currency string, verifies the authenticity of the received digital currency string by using signature verification technology, returns a payment result to the user equipment when verifying that the received digital currency string is authentic, and then carries out asynchronous settlement of the transaction with the digital currency platform.
2. The method of claim 1, wherein invoking digital monetary payment by the user device in response to the user performing an item purchase operation based on the rich media communication message item card comprises:
the rich media communication message application module in the user equipment responds to the operation of purchasing the goods executed by the user based on the rich media communication message goods card, calls the digital currency module in the user equipment according to the digital currency module in the user equipment appointed by the URL address of the uniform resource locator skipped by the purchasing operation carried by the rich media communication message goods card, requests to use the digital currency for payment, and transmits payment information.
3. The method of claim 2, wherein generating, by the user device, a transaction signature corresponding to the payment information using a signature technique comprises:
a digital currency module in the user equipment calls an SIM card hard wallet in the user equipment and transmits payment information;
and the SIM card hard wallet in the user equipment signs the incoming payment information by using the private key to generate a corresponding transaction signature.
4. The method of claim 3, wherein the user device combining the payment information and the corresponding transaction signature into a digital currency string and sending the digital currency string to the message platform MaaP service platform comprises:
the SIM card hard wallet in the user equipment forms the payment information and the corresponding transaction signature into a digital currency string and returns the digital currency string to a rich media communication message application module in the user equipment;
and the rich media communication message application module in the user equipment sends the digital currency string to the corresponding MaaP service platform according to the URL address of the MaaP service platform, wherein the URL address of the MaaP service platform is preset in the user equipment or carried by a rich media communication message article card.
5. The method of claim 1, wherein the MaaP service platform verifying the authenticity of the received digital currency string using signature verification techniques comprises:
the MaaP service platform decrypts the transaction signature in the received digital currency string by using the public key certificate issued by the digital currency platform, compares the payment information obtained by decryption with the payment information in the received digital currency string, and if the comparison result is consistent, the received digital currency string is true.
6. The method of claim 5, wherein the MaaP platform performing asynchronous settlement of the transaction with the digital currency platform comprises:
the MaaP business platform sends the digital currency string of the transaction to the digital currency platform for asynchronous settlement;
and the digital currency platform verifies the authenticity of the received digital currency string by using a signature verification technology, and when the received digital currency string is verified to be authentic, the digital currency platform settles the account for the user according to the payment information in the digital currency string and returns a settlement result to the MaaP service platform.
7. The method according to any one of claims 1 to 6,
the rich media communication message comprises a 5G message;
alternatively, the payment information includes a collection wallet address, a payment wallet address, a transaction time, a serial number, and an amount.
8. A user equipment, comprising:
the rich media communication message application module is configured to respond to an operation of a user for purchasing an article, which is executed based on a rich media communication message article card, call a digital currency module in the user equipment, which is specified by a Uniform Resource Locator (URL) address and jumped according to the purchase operation carried by the rich media communication message article card, call the digital currency module in the user equipment, request for payment by using digital currency and transmit payment information, send a digital currency string generated by a SIM card hard wallet to a corresponding MaaP service platform, and receive a payment result returned by the MaaP service platform when the received digital currency string is verified to be true;
the digital currency module is configured to respond to the calling of the rich media communication message application module, call a SIM card hard wallet in the user equipment and transmit payment information;
and the SIM card hard wallet is configured to respond to the calling of the digital currency module, sign the incoming payment information by using the private key to generate a corresponding transaction signature, and form the payment information and the corresponding transaction signature into a digital currency string and return the digital currency string to the rich media communication message application module in the user equipment.
9. The user equipment of claim 8,
the rich media communication message application module is configured to send the digital currency string to a corresponding MaaP service platform according to a URL address of the MaaP service platform, wherein the URL address of the MaaP service platform is preset in the user equipment or carried by a rich media communication message item card.
10. A MaaP business platform comprising:
the verification module is configured to receive the digital currency string sent by the user equipment, verify the authenticity of the received digital currency string by using signature verification technology, and return a payment result to the user equipment when the received digital currency string is verified to be authentic;
and the asynchronous settlement module is configured to perform asynchronous settlement of the transaction with the digital currency platform after a payment result is returned to the user equipment.
11. The MaaP service platform of claim 10,
the verification module is configured to receive the digital currency string sent by the user equipment, decrypt the transaction signature in the received digital currency string by using a public key certificate issued by the digital currency platform, compare the decrypted payment information with the payment information in the received digital currency string, and if the comparison result is consistent, indicate that the received digital currency string is true, return the payment result to the user equipment.
12. A rich media communication message-based payment system, comprising:
the user equipment of claim 8 or 9,
the MaaP business platform of claim 10 or 11, and
and the digital currency platform is configured to receive the digital currency string sent by the MaaP service platform, verify the authenticity of the received digital currency string by using signature verification technology, settle accounts for the user according to the payment information in the digital currency string when the received digital currency string is verified to be authentic, and return a settlement result to the MaaP service platform.
13. A non-transitory computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the rich media communication message based payment method of any one of claims 1-7.
CN202110466303.2A 2021-04-28 2021-04-28 Payment method, payment system and related equipment based on rich media communication message Pending CN115249155A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202110466303.2A CN115249155A (en) 2021-04-28 2021-04-28 Payment method, payment system and related equipment based on rich media communication message

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202110466303.2A CN115249155A (en) 2021-04-28 2021-04-28 Payment method, payment system and related equipment based on rich media communication message

Publications (1)

Publication Number Publication Date
CN115249155A true CN115249155A (en) 2022-10-28

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Country Link
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