CN202523148U - Mobile payment system - Google Patents
Mobile payment system Download PDFInfo
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- CN202523148U CN202523148U CN2011204186783U CN201120418678U CN202523148U CN 202523148 U CN202523148 U CN 202523148U CN 2011204186783 U CN2011204186783 U CN 2011204186783U CN 201120418678 U CN201120418678 U CN 201120418678U CN 202523148 U CN202523148 U CN 202523148U
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- card device
- mobile
- random number
- brushing card
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Abstract
The utility model provides a mobile payment system, being suitable for the payment field and comprising a mobile card-swiping device and a mobile terminal, wherein the mobile card-swiping device is connected with the mobile terminal through a headset jack; the mobile card-swiping device comprises a card-swiping component, a decoding module and an encryption module; the card-swiping component is connected with the decoding module; the decoding module is connected with the encryption module; and the encryption module is connected with the mobile terminal through the headset jack. The mobile payment system has high security.
Description
Technical field
The utility model belongs to the E-Payment field, relates in particular to a kind of mobile-payment system.
Background technology
Along with development of science and technology with rapid changepl. never-ending changes and improvements, bank POS becomes an indispensable part in people's consumer field, and it has promoted the development of national economy, has reduced the burden of people's payments; But security also becomes the focus that people pay close attention to most; Existing P OS machine exists serious drawback, and is high like cost, safeguards inconvenience, and these have all had a strong impact on the development of POS machine.Recently this new model of mobile payment has appearred in the financial field, its feature be cost low, easy to use, be convenient to promote.
Existing P OS terminal system is made up of three parts: magnetic stripe card information reading terminals, PIN code keypad entry terminal, message information computer processing terminal.
In the process that realizes the utility model, find that there is following problem in the technical scheme of prior art:
POS terminal system encryption of the prior art is provided with relatively poor, so its security is not high.
The utility model content
The purpose of the utility model embodiment is to provide a kind of mobile-payment system, is intended to solve the not high problem of existing technical scheme security.
The utility model embodiment is achieved in that the utility model provides a kind of mobile-payment system on the one hand, and said system comprises: move brushing card device and portable terminal, wherein, this moves brushing card device and is connected through earphone jack with portable terminal;
In addition: this moves brushing card device and specifically comprises:
Swipe the card parts, decoder module, encrypting module, wherein, the parts of swiping the card are connected with the decoder module input end, and the decoder module output terminal is connected with the encrypting module input end; This encrypting module output terminal is connected with portable terminal through earphone jack.
Optional, said mobile brushing card device also comprises: secure verification module, wherein this secure verification module also is connected with portable terminal through earphone jack.
Optional, specifically the comprising of said portable terminal:
Random number module and identification module;
Wherein, this random number module is specially: can generate one group of random number at random and this random number is sent to the random number module that moves brushing card device through receiver J-Horner;
This identification module is specially: the identification module that can discern this handover brushing card device according to the random number that mobile brushing card device returns.
In the utility model embodiment, the technical scheme that the utility model provides increases encrypting module in brushing card device, all carries out encryption so that all pass to the data of portable terminal, so it has the advantage that improves security.
Description of drawings
Fig. 1 is the structural drawing of the mobile-payment system that provides of the utility model;
Fig. 2 is the structural drawing of a kind of mobile brushing card device of providing of the utility model;
Fig. 3 is the structural drawing of the portable terminal that provides of the utility model.
Embodiment
For the purpose, technical scheme and the advantage that make the utility model is clearer,, the utility model is further elaborated below in conjunction with accompanying drawing and embodiment.Should be appreciated that specific embodiment described herein only in order to explanation the utility model, and be not used in qualification the utility model.
A kind of mobile-payment system that the utility model provides, this system is as shown in Figure 1, comprises moving brushing card device 11 and portable terminal 12, and wherein, this moves brushing card device 11 and is connected through earphone jack with portable terminal;
In addition: it is as shown in Figure 2 that this moves brushing card device 11 concrete structures, comprising:
Swipe the card parts 111, decoder module 112, encrypting module 113, wherein, the parts 111 of swiping the card are connected with decoder module 112, and decoder module 112 is connected with encrypting module 113; This encrypting module 113 is connected with portable terminal 12 through earphone jack.
The utility model increases encrypting module 113 on mobile brushing card device 11, it just sends to portable terminal after all data are all passed through encryption, so it has safe advantage.
Optional, above-mentioned mobile brushing card device 11 can also comprise: secure verification module 114, wherein this secure verification module 114 also is connected with portable terminal 12 through earphone jack.
Optional, the concrete structure of above-mentioned portable terminal 12 is as shown in Figure 3, can comprise:
Random number module 121 and identification module 122;
Wherein, this random number module 121 specifically can for: can generate one group of random number at random and this random number is sent to the random number module 121 that moves brushing card device 11 through receiver J-Horner;
This identification module 122 specifically can for: can be according to the identification module 122 that moves this handover brushing card device 11 of random number identification that brushing card device 11 returns.
The mobile-payment system that the utility model provides is that the center is set up with mobile phone (portable terminal) mainly, and it is made up of two parts: move brushing card device, cell-phone customer terminal.Wherein the effect of mobile brushing card device is, reads magnetic stripe card information, decodes then, encrypts, and sends the card information ciphertext to cell-phone customer terminal at last.The effect of cell-phone customer terminal is, carries out exchanges data with the backstage with the form of 8583 messages, and the platform of an input transaction data, content is provided to the user.And the input of PIN payment password has dual mode, the one, and at cell-phone customer terminal, the one, move on the brushing card device and import.Following in the concrete safety practice that adopts:
On the safety of bank card information, what increased rsa encryption technique and employing is the full detail on bank card two magnetic tracks.Full detail is made up of bank's card number and the credit card issuer authorization information of hiding on two magnetic tracks, so on mobile payment device, only know that card number information can not transact business.So just reduced the card number leakage, the Transaction Disputes that causes.Increase rsa encryption technique, also stopped leakage, being stolen in mobile phone of magnetic track information in transmission.Even be stolen, can not decipher.With regard to present technology, traditional 3DES encrypts and can crack, and rsa encryption does not crack.
In the input of PIN payment password, adopted the random number series soft keyboard technology, adopt rsa encryption.Use the random number series soft keyboard, just make that the array of each password soft keyboard is all different, so just avoided adopting key position to judge the method for stealing of peeping of input password figure.Employing can further improve than the more difficult cipher mode that cracks of 3DES, and what the PIN password was stolen in transmission maybe.
Exchange with the cell-phone customer terminal data at mobile brushing card device, adopted frame identification, data validity identification, data integrity identification.Frame identification is meant the operational order that cell-phone customer terminal sends at every turn, all can carry an operation sequence number, and the data that mobile brushing card device returns also will be with same operation sequence number (being random number).If it is inconsistent that sequence number of returning and client are sent, then return wrong.Data validity identification is meant the order that cell-phone customer terminal sends, and can carry one group of random number, and the data that mobile brushing card device returns also will be with same random number.Increased after the random number, will cause same operation, same magnetic track information, because the random number of band is different, the order of at every turn sending, the data of returning are all different, and effectively row is just for once for the transaction data stream that transmits on the circuit.Avoided flowing the possibility of carrying out pseudo-operation with the transaction data of stealing.The integrality of data is meant, moves the exchanges data between brushing card device and the cell-phone customer terminal, has adopted MAC algorithm and HASH algorithm.If have the people to replace the partial data in the data stream (like the change dealing money) in the transmission, when receiving end carries out MAC and HASH checking, will report an error so.
In the management of moving brushing card device self, adopted the safety chip of customization that key, facility information are protected, taked to insert identification, prevented to move usurping of brushing card device.Enforcement is in access identification, on client, inserts each time and moves brushing card device, and client all will be discerned the validity of mobile brushing card device, moves brushing card device simultaneously and also will discern the validity of client.Passed through this mutual authentication, the operation of just swiping the card.
The those skilled in the art can be well understood to, for the convenience described with succinct, the concrete course of work of the system of foregoing description, device and unit can repeat no more at this with reference to the corresponding process among the preceding method embodiment.
The above is merely the preferred embodiment of the utility model; Not in order to restriction the utility model; Any modification of being done within all spirit and principles at the utility model, be equal to replacement and improvement etc., all should be included within the protection domain of the utility model.
Claims (3)
1. a mobile-payment system is characterized in that, said system comprises: move brushing card device and portable terminal, wherein, this moves brushing card device and is connected through earphone jack with portable terminal;
In addition: this moves brushing card device and specifically comprises:
Swipe the card parts, decoder module, encrypting module, wherein, the parts of swiping the card are connected with the input end of decoder module, and the decoder module output terminal is connected with the encrypting module input end; The output terminal of this encrypting module is connected with portable terminal through earphone jack.
2. system according to claim 1 is characterized in that, said mobile brushing card device also comprises: secure verification module, wherein this secure verification module also is connected with portable terminal through earphone jack.
3. system according to claim 1 is characterized in that, specifically the comprising of said portable terminal:
Random number module and identification module;
Wherein, this random number module is specially: can generate one group of random number at random and this random number is sent to the random number module that moves brushing card device through receiver J-Horner;
This identification module is specially: the identification module that can discern this handover brushing card device according to the random number that mobile brushing card device returns.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011204186783U CN202523148U (en) | 2011-10-28 | 2011-10-28 | Mobile payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011204186783U CN202523148U (en) | 2011-10-28 | 2011-10-28 | Mobile payment system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN202523148U true CN202523148U (en) | 2012-11-07 |
Family
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2011204186783U Expired - Lifetime CN202523148U (en) | 2011-10-28 | 2011-10-28 | Mobile payment system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN202523148U (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103345799A (en) * | 2013-06-08 | 2013-10-09 | 钱袋网（北京）信息技术有限公司 | Card swiping device and method for encrypting information of bank card in card swiping device |
| CN104156855A (en) * | 2014-08-18 | 2014-11-19 | 齐亚斌 | Payment method and system |
| CN104182875A (en) * | 2014-08-22 | 2014-12-03 | 齐亚斌 | Payment method and payment system |
-
2011
- 2011-10-28 CN CN2011204186783U patent/CN202523148U/en not_active Expired - Lifetime
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103345799A (en) * | 2013-06-08 | 2013-10-09 | 钱袋网（北京）信息技术有限公司 | Card swiping device and method for encrypting information of bank card in card swiping device |
| CN103345799B (en) * | 2013-06-08 | 2015-08-05 | 北京钱袋宝支付技术有限公司 | Bank card information encryption method and swiping card equipment in swiping card equipment |
| CN104156855A (en) * | 2014-08-18 | 2014-11-19 | 齐亚斌 | Payment method and system |
| CN104182875A (en) * | 2014-08-22 | 2014-12-03 | 齐亚斌 | Payment method and payment system |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CP03 | Change of name, title or address | ||
| CP03 | Change of name, title or address |
Address after: Guangdong Nanshan District street of Shenzhen city in Guangdong province 518000 software industry base in Shenzhen, fifth building room 505 Patentee after: Shenzhen box Mdt InfoTech Ltd Address before: 518000 Guangdong Shenzhen city Futian District Huaqiang North Road deep spinning building B1005 Patentee before: Shenzhen Iboxpay Information Technology Co.,Ltd. |
|
| CX01 | Expiry of patent term | ||
| CX01 | Expiry of patent term |
Granted publication date: 20121107 |