CN201307300Y - Payment system based on mobile communication - Google Patents
Payment system based on mobile communication Download PDFInfo
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- CN201307300Y CN201307300Y CNU2008202308572U CN200820230857U CN201307300Y CN 201307300 Y CN201307300 Y CN 201307300Y CN U2008202308572 U CNU2008202308572 U CN U2008202308572U CN 200820230857 U CN200820230857 U CN 200820230857U CN 201307300 Y CN201307300 Y CN 201307300Y
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- mobile communication
- payment system
- communication terminal
- system server
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Abstract
The utility model discloses a payment system based on mobile communication, which comprises a mobile communication terminal, a payment system server and a background management platform; the mobile communication terminal is connected with the background management platform by a mobile communication network; the payment system server is connected with the background management platform; the identity code of the mobile communication terminal is stored in the payment system server; and the mobile communication terminal and the payment system server comprise encryption and decryption modules. In the payment system, because the mobile communication terminal of the user and the payment system server can communicate, when the capital account of the user is changed, notice can be sent to the user in time, and the capital account of the user is changed only after the user sends a confirmation message. In addition, because the information sent out by the mobile communication terminal and the payment system server of the user is encrypted, the payment system is safer, thereby better ensuring the interest of the user and maintaining the order of the financial market.
Description
Technical field
The utility model belongs to the earned value techniques of mobile communication, specifically relates to a kind of system that utilizes mobile communication system to pay the bill.
Background technology
For ease of consumers shopping consumption, therefore, the way of paying that adopted are paid no more than using credit card.Query but also have quite a few people that the security of swiping the card is existed, steal brush as if reducing, lose the card equivalent risk, swiping the card paying must become following leading consumption pattern.
Prevent that typically the stolen brush mode of credit card from comprising: via businessman the holder is carried out identification really and by issuing bank to holder's affirmation of swiping the card really, yet, aforesaid way all need be confirmed by artificial, so than labor intensive, easily take consumer's time simultaneously.
On the other hand, flourish along with world-wide web makes traditional entity trading environment change electronics trading environment on the virtual line into, basically, must there be rigorous planning in the credit card funded payment system to system on the line, just can guarantee online trading both sides' rights and interests, so that fair trading environment to be provided.The security of access is broadly divided into following two kinds on the line at present: first kind, adopt credit card funded payment system on the line that transmits encryption and decryption technology, promptly strengthen the network trading environmentAL safety by the cipher mode of SSL (Secure Socket Layer) or S-HTTP (Secured HyperText ' rransferProtoc01); Second kind, promptly adopt safe electronic transmission standard (Secure Electtonic Transactions; SET) so that rigorous encryption and authentication program to be provided, reach safer credit card funded payment environment by this.Yet in first kind of mode, the holder can only know just whether transaction is normal when receiving the every month buying bill that transmits from issuing bank, therefore, can not propose the request of stopping payment in real time according to abnormal transaction situation in good time; Then, if with the second way, the consumer needs in advance software by meeting the SET standard to authentication center's applying for electronic certificate, identification consumer's identity by this, but therefore the credit card funded payment system designs numerous and diverse shopping process in order to consider security on the line of this type, thereby influences consumer's shopping wish.
Because the facility that mobile communication brought, the cellie in the whole world is constantly increased, and make the contact between both sides more easy and real-time, therefore, how a kind of method and system that makes issuing bank number swipe the card and confirm the holder with wireless transmission method according to holder's mobile communication door is provided, make issuing bank or gathering businessman reduce time and manpower required when confirming, and can reduce the risk that holder's credit card is stolen brush and lost, and allow the each side of transaction all cover its benefit, and provide a kind of safety of consumer of credit card trade on conventional credit card transaction or the line, the easy credit card that prevents is stolen brush method and system, and it promptly is the effective scheme that need provide at present.
The utility model content
The purpose of this utility model provides a kind of can the payment safely and the payment system based on mobile communication of financial transaction.
For achieving the above object, the utility model is by the following technical solutions:
The utility model comprises mobile communication terminal, payment system server and back-stage management platform, mobile communication terminal is connected with the back-stage management platform by mobile communications network, the payment system server is connected with the back-stage management platform, the identify label sign indicating number that above-mentioned mobile communication terminal has, and this identify label sign indicating number is stored in the payment system server; Include the encryption and decryption module in mobile communication terminal and the payment system server.
Above-mentioned encryption and decryption module is the HMAC arithmetic unit, and the HMAC arithmetic unit is the Hash computing circuit that is used for the band key of message authentication, and it mainly is made of Hash computing module and exclusive-OR operator.
Above-mentioned encryption and decryption module is for adopting the encryption and decryption module of rivest, shamir, adelman.
Include randomizer in above-mentioned mobile communication terminal and the payment system server.
Above-mentioned identity code is the cell-phone number of mobile communication terminal.
Adopt the utility model of technique scheme, owing to can communicate between user's mobile communication terminal and the payment system server, then when user's fund account changes, can in time notify the user, and have only after the user sends confirmation, the payment system server just begins to move, and user's fund account is changed.In addition, in the utility model,, ensured user's interests better, safeguarded the order in financial market because user's mobile communication terminal and information that the payment system server is sent are followed it and had security all through encryption.
Description of drawings
Fig. 1 is an one-piece construction synoptic diagram of the present utility model;
Fig. 2 is a process flow diagram of the present utility model.
Embodiment
Embodiment 1
As shown in Figure 1, the utility model comprises mobile communication terminal, payment system server and back-stage management platform, and mobile communication terminal is connected with the back-stage management platform by mobile communications network, and the payment system server is connected with the back-stage management platform.Above-mentioned payment system server can be the payment system server of bank, also can be payment system server in the market or the like.
In the utility model, the identify label sign indicating number that mobile communication terminal has, and this identify label sign indicating number is stored in the payment system server.Above-mentioned identity code can be the phone number of mobile communication terminal, also the number that can be decided through consultation for mobile communication terminal and payment system server.
Include the encryption and decryption module in mobile communication terminal and the payment system server, in the present embodiment, the encryption and decryption module is the HMAC arithmetic unit.Above-mentioned HMAC arithmetic unit is meant the Hash computing circuit of the band key that is used for message authentication, and it mainly is made of Hash computing module and exclusive-OR operator.Wherein, the output terminal of XOR device links to each other with the Hash computing module, promptly earlier message is carried out XOR, carries out the Hash computing again, and such encrypted form can guarantee the security of its communication.Above-mentioned XOR and Hash computing are technology well known to those of ordinary skill in the art.
As shown in Figure 2, workflow of the present utility model is as follows:
1. mobile communication terminal is at first set up one's own unique identity code in the payment system server.
2. when the fund on the user account that belongs to this mobile communication terminal changed, particularly when user's credit card was consumed, the payment system server can send the request confirmation to the back-stage management platform according to the variation of account.This information is at first encrypted in the encryption and decryption module of payment system server, and in the present embodiment, cryptographic algorithm adopts the above-mentioned HMAC arithmetic unit of pointing out.The transmission employing short message mode of information is determined in above-mentioned request, so the payment system server sends to the back-stage management platform by Short Message Service Gateway, the technology that said short message sends is a technology well known to those of ordinary skill in the art.
3. after the back-stage management platform is received the information that the payment system server sends, can select different communication modes at specific user, as: call voice, note, multimedia messages or the like.
4. the back-stage management platform is transmitted this information to user's mobile communication terminal, after user's mobile communication terminal is received this information, utilizes built-in encryption and decryption module to be decrypted, and obtains this information.
If 5. the user confirms this information representation, promptly confirm the variation of fund account or transfer accounts, then send confirmation to the back-stage management platform.This confirmation can be affirmation, note or a certain input password of voice, and above-mentioned affirmation information is at first encrypted in the encryption and decryption module of user's mobile communication terminal, and then is sent to the back-stage management platform; If the user holds this information and denies attitude, then can not make any action, because the payment system server is not received any information, the then not conduct of request that this user's fund account is changed, user's fund account does not change.
If after 6. the back-stage management platform can receive the affirmation information that the user sends, then be forwarded to the payment system server once more.
If 7. the payment system server can be received user's affirmation information, then continue to finish transferring accounts or POS consumption supervisor of user's fund account; If the payment system server is not received any information, the then not conduct of request that this user's fund account is changed, user's fund account does not change.
Embodiment 2
Present embodiment as different from Example 1, in the present embodiment, the encryption and decryption module is for adopting the encryption and decryption module of rivest, shamir, adelman.
Mobile communication terminal internal memory the user contains PKI, this PKI can be the digital certificate of user to bank or market application, utilize the PKI of preserving in the terminal, adopt rivest, shamir, adelman that number of the account, password are carried out encryption, after the payment system server of bank is received cipher-text information, utilize the private key of having stored to be decrypted again.
The other technologies feature is identical with embodiment 1.
Embodiment 3
Present embodiment as different from Example 1, in the present embodiment, the encryption and decryption module is for adopting the module of symmetric encipherment algorithm: the payment system server of bank be each user's mobile communication terminal outfit 16 byte product IDs number independently, wherein 8 bytes expressly, can disclose, 8 byte random numbers can not be known, and the ID difference of each terminal; Terminal is a key with ID number, adopts symmetric encipherment algorithm that user profile is encrypted, and then ID number 8 bytes plaintext and the user profile after the encryption is sent to the banker's payment system server together; The banker's payment system server receives that the back expressly finds corresponding 16 byte ID numbers by 8 bytes of searching ID number, is secret key decryption user profile with 16 byte ID numbers then:
The other technologies feature is identical with embodiment 1.
Embodiment 4
Present embodiment as different from Example 1, in the present embodiment, include randomizer in mobile communication terminal and the payment system server, in addition, the encryption and decryption module is for adopting the module of complex encryption algorithm: produce one group of random number by randomizer, the public key encryption that adopts rivest, shamir, adelman that this random number is preserved with terminal sends to the banker's payment system server; After the banker's payment system server is received, it is deciphered, obtain random number with corresponding private key; Mobile communication terminal and banker's payment system server use this random number as key, and the contact business datum is carried out symmetric cryptography, and after business was finished, this random number was cancelled.
The other technologies feature is identical with embodiment 1.
Claims (5)
1, a kind of payment system based on mobile communication, it comprises mobile communication terminal, payment system server and back-stage management platform, described mobile communication terminal is connected with the back-stage management platform by mobile communications network, described payment system server is connected with the back-stage management platform, it is characterized in that: the identify label sign indicating number that described mobile communication terminal has, and this identify label sign indicating number is stored in the payment system server; Include the encryption and decryption module in described mobile communication terminal and the payment system server.
2, a kind of payment system according to claim 1 based on mobile communication, it is characterized in that: described encryption and decryption module is the HMAC arithmetic unit, described HMAC arithmetic unit is the Hash computing circuit that is used for the band key of message authentication, and it mainly is made of Hash computing module and exclusive-OR operator.
3, a kind of payment system based on mobile communication according to claim 1 is characterized in that: described encryption and decryption module is for adopting the encryption and decryption module of rivest, shamir, adelman.
4, according to claim 2 or 3 described a kind of payment systems, it is characterized in that: include randomizer in described mobile communication terminal and the payment system server based on mobile communication.
5, a kind of payment system based on mobile communication according to claim 1, it is characterized in that: described identity code is the cell-phone number of mobile communication terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNU2008202308572U CN201307300Y (en) | 2008-12-16 | 2008-12-16 | Payment system based on mobile communication |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNU2008202308572U CN201307300Y (en) | 2008-12-16 | 2008-12-16 | Payment system based on mobile communication |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN201307300Y true CN201307300Y (en) | 2009-09-09 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNU2008202308572U Expired - Fee Related CN201307300Y (en) | 2008-12-16 | 2008-12-16 | Payment system based on mobile communication |
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| Country | Link |
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| CN (1) | CN201307300Y (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103745338A (en) * | 2014-02-13 | 2014-04-23 | 东信和平科技股份有限公司 | Logistics service information intelligent management method |
| CN113627941A (en) * | 2021-08-31 | 2021-11-09 | 中国银行股份有限公司 | Method and device for preventing credit card from being stolen |
-
2008
- 2008-12-16 CN CNU2008202308572U patent/CN201307300Y/en not_active Expired - Fee Related
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103745338A (en) * | 2014-02-13 | 2014-04-23 | 东信和平科技股份有限公司 | Logistics service information intelligent management method |
| CN113627941A (en) * | 2021-08-31 | 2021-11-09 | 中国银行股份有限公司 | Method and device for preventing credit card from being stolen |
| CN113627941B (en) * | 2021-08-31 | 2024-05-28 | 中国银行股份有限公司 | Method and device for preventing credit card from being swiped |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| C17 | Cessation of patent right | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20090909 Termination date: 20100118 |