CN2377554Y - Payment cipher device - Google Patents
Payment cipher device Download PDFInfo
- Publication number
- CN2377554Y CN2377554Y CN 99211516 CN99211516U CN2377554Y CN 2377554 Y CN2377554 Y CN 2377554Y CN 99211516 CN99211516 CN 99211516 CN 99211516 U CN99211516 U CN 99211516U CN 2377554 Y CN2377554 Y CN 2377554Y
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- CN
- China
- Prior art keywords
- card
- payment cipher
- key
- payment
- authorization identifying
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- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Expired - Lifetime
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Abstract
The utility model relates to a payment cipher device, which can be used for a universal payment cipher system for banks. The payment cipher device comprises a display component, a keyboard, an IC card read-write opening, a memory, a communication port, a printing opening, an authorization certification card, a payment cipher card and an electronic bill card, wherein, the authorization certification card is an IC card which is issued by the human main bank and can be used for certificating the identity of payment people and payment behavior and controlling the use of the payment cipher device. The payment cipher card is an IC card for a guest room to sign bills. The electronic bill card is an IC card for storing signed electronic bills. The connection mode of the three kinds of cards with the payment cipher device is inserted connection. The utility model can accelerate fund settlement speed and enhance the safety of bill funds.
Description
The payment cipher that the utility model is related is the general purpose terminal equipment that electronic bill is signed and issued and checked and accepted that is used for of a kind of financial industry city payment and settlement system use.
At present, one of main mode of the financial industry capital settlement of China is the debit bill clearing, and the foundation of debit ticket payment is the unit's of affixing a seal to official seal and legal representative's name chapter.The gathering row must be submitted original document to paying bank, and it is right to carry out the artificial nucleus by paying bank, after confirming errorless and paying the bill, collects account and is of use.This artificial nucleus not only can not handle the debit bill in real time, and difficulty distinguishes the seal true and false to the mode of official seal, name chapter, often causes the generation of the cheated incident of fund.Thereby, in the last few years, begin one's study both at home and abroad and use the payment cipher technology, in China, the payment cipher that use various places roughly has three kinds of patterns, more representational is 1. Changsha pattern: the client buys a payment cipher after bank's registration, with key elements such as the amount of money, date input scrambler, the password that produces is filled on the check when drawing a cheque, bank is calculated with same method, as conform to then payment.2. Qingdao pattern: the client reserves business entity, financial and accountancy personnel's password in bank earlier, when purchasing check, after bank's password check is errorless, once print the payment cipher of corresponding whole check, the client fills in corresponding password by the printed password list of bank when drawing a cheque.3. Anshan pattern: the client posts the magnetic check of magnetic stripe in advance in banker's buying rate payment cipher and nominal value lower end, when drawing a cheque, check is streaked at the payment cipher paddle-tumble, information is recorded on the check magnetic stripe, beneficiary and bank carry out verification by scrambler to check.4. Dongguan pattern: adopt the IC-card mode, establish and be responsible for card, accounting card and purchasing agent's card, have three's password in the card, confirm its identity by card, thus the authenticity of indirect acknowledgment bill and validity.The problem that above-mentioned several modes exists is: 1, the cipher core parts do not separate with utensil, cryptographic algorithm leaves in the lower chip of security, and can't separate with support, the payment cipher complete machine is provided by manufacturer, bank and client worry, 2, the standard disunity, technology is lack of standardization, a cover does separately to the public affairs system that circulates in each bank, the scrambler that each row is determined can't use by interdepartmental system, makes constituent parts have to open a bank account at Duo Jia, and buys a plurality of scramblers, be unfavorable for that financial and accountancy personnel operate and increase the weight of business burden, 3, the pseudo-close control parts of not setting up defences can't keep out that counterfeit and shoddy goods are sneaked into and hacker attacks, and 4, a little less than the adaptability, when " with no paper at all " is the electronic transaction transition, this utensil can only be scrapped.
The utility model be intended to invent a kind of security good, have antiforge function, and can unify to be used in the payment cipher of city payment and settlement system.
The composition of this payment cipher comprises display unit, keyboard, built-in and external IC-card access hole, communication interface, printing interface, also comprises authorization identifying card, payment cipher card, electronic bill card.The authorization identifying card is the IC-card that is used for the basic clearing key element of disburser's identity and payment behavior is authenticated and controls the payment cipher use that people head office allots, the payment cipher card is the IC-card that the client is used to note signing and has computing function, the electronic bill card is an IC-card of depositing the electronic bill of signing and issuing, and the connected mode of these three kinds of cards and payment cipher is for pegging graft.
In the described authorization identifying card there be essential information: be used for single key algorithm of authorization identifying, instruction, card number, the distribution of information of authorizing master key, the open key signature algorithm that calculates payment cipher being confirmed and differentiating,
In the described payment cipher card there being essential information: is used for single key algorithm of authorization identifying, open key signature algorithm, the algorithm of certifying signature, authorization identifying sub-key, the bank outlets of calculating payment cipher authenticate sub-key, user password sub-key, bank outlets' Personal Unlocking Key, payment cipher secret keys, the open key information of liquidation center of People's Bank of China, card number, distribution of information, client's essential information
Essential information in the described electronic bill card has: single key cryptographic algorithm of authorization identifying, authorization identifying sub-key, bank outlets authenticate sub-key, user password key, bank outlets' password Personal Unlocking Key, card number, customer information, ticket document, receipt file
Authorization identifying card, payment cipher card, electronic bill card are the CPU cards that has coprocessor.
The basic transaction process of bank paying cryptographic system is such, and system relates to three kinds of IC-cards, promptly to payment cipher rise authentication role the authorization identifying card, be equivalent to digital signature the payment cipher card, be equivalent to the electronic bill card of eCheck.At first, generate the mandate master key of three kinds of cards at head office of the People's Bank (hereinafter to be referred as people head office) authorization identifying center, the authentication sub-key also produces card number, after the client obtains three kinds of cards by the card issuance system of people head office, during use, earlier the authorization identifying card is inserted the payment cipher of its purchase, wait to obtain authentication back (payment cipher of unauthenticated does not allow to use) in system, in the payment cipher good sign ticket card of generating electricity, and direct and city liquidation center of the People's Bank of China clearing by payment cipher, perhaps payment cipher and the city liquidation center of People's Bank of China by bank outlets settles accounts.Because payment cipher just can use after inserting the authorization identifying card, the authorization identifying card is issued by people head office again, therefore, and can be effectively false proof.In addition, payment cipher adopts single key, conbined public or double key and usefulness, and single key is used for authorization identifying, and trade management is strengthened in the behavior of standard manufacturer.Conbined public or double key is used for digital signature, corresponding a pair of open key of each client and secret keys, and bank only grasps open key, and the client grasps secret keys, has improved security.Core component authorization identifying card, payment cipher card and the electronic bill card of payment cipher and payment cipher body are pegged graft, and can separate, and production firm only is responsible for the payment cipher bare machine is provided, in case divulge a secret, can distinguish responsibility.
Fig. 1 universal payment coding system for bank synoptic diagram
Fig. 2 payment cipher composition frame chart
Fig. 3 authorization identifying card verification process synoptic diagram
Fig. 4 issue of bill process synoptic diagram
Fig. 5 bill course of receiving synoptic diagram
Referring to Fig. 1, banking network system is set up by various places People's Bank of China, and the clearance software systems are developed and put the new function that blacking partly provides for universal payment coding system for bank (applying for patent of invention simultaneously) into operation.The payment cipher that the utility model relates to is a common apparatus that has people head office authorization identifying card, and the client carries out signing and issuing and checking and accepting of electronic bill with it.Sign and issue and check and accept the online and two kinds of patterns of off line of branch.
The bill that the online mode client uses payment cipher to sign and issue or to check and accept directly sends to the bill reception service routine of city liquidation center of People's Bank of China by dialing, receive service routine by bill and directly submit clearance to, the clearance of payment cipher wait liquidation center is receipt as a result, verify and receipt is recorded in the electronic bill card, on-line mode can be considered as directly initiating bill clearing by the client.
During the offline mode issuance of a note, the client uses payment cipher that the bill of signing and issuing is deposited in the electronic bill card, taking the electronic bill card goes out shopping or handles payment to bank outlets, when checking and accepting bill, if beneficiary does not have payment cipher, beneficiary can play bank outlets with paying party one and handle payment, if beneficiary has payment cipher, beneficiary is checked and accepted the bill of paying party by payment cipher, and the bill of checking and accepting write in the electronic bill card of beneficiary, handle payment or submit to bank outlets afterwards and clear by payment cipher.
The composition of payment cipher is seen Fig. 2, payment cipher card 1 and electronic bill card 2 are pegged graft by external IC-card access hole 3 and payment cipher, authorization identifying card 5 is pegged graft by built-in IC-card access hole 6 and payment cipher, storer 4 is equipped with specific program, display unit 7 is Chinese character LCD, payment cipher has been equipped with modulator-demodular unit 9, with the communication of city liquidation center of People's Bank of China, print drive 8 drives the printer prints information needed, when client's issuance of a note, need on keyboard 10, to knock in corresponding information.Payment cipher has functions such as authorization identifying, issue of bill, bill examination, bill inquiry, bill submission, auxiliary management.
Authorization identifying refers to people head office authorization identifying card in the payment cipher and the authentication between client's payment cipher card and the electronic bill card; effect is to guarantee that payment cipher card and electronic bill card that the client uses must be the cards of authorizing distribution through people head office; after having only authentication to pass through; just can carry out other processing; there is the mandate master key in the authorization identifying card; every client's card (payment cipher card; the electronic bill card) all has on by authorizing master key; authorization identifying sub-key according to card number calculating; because card number is unique; authentication sub-key on every card all is different; therefore; during each the authentication; People's Bank of China authorization identifying card scene according to card number evaluation work key (being the authorization identifying sub-key) after again with card authentication; like this; what the verification process of every card used is different authenticate keys, thus the safety of key in the protection card effectively, and basic process is seen Fig. 3.
Issue of bill basic process is seen Fig. 4, and the issue of bill people must hold the payment cipher card, so that bill is signed.In signing and issuing process, each plug-in card all will be through customary verification process, can continue after authentication is passed through.The kind of bill has multiple, as: check for transfer, limited check, cash on bank etc., the typing process of bill should be a definable process, supports various places bill kind and ticket contents.
When validation of payment password card and electronic bill bayonet socket make, only allow to input by mistake continuously three times, surpass three times, card is automatically locked, and does not allow to try again, must carry out release to the site, and the disposition of card authentication password is identical in other processing procedure.
Bill is checked and accepted basic process and is seen Fig. 5, after beneficiary is received the electronic bill of paying party, can be directly check and accept and submit to liquidation center's clearance, also can will be used for paying the electronic bill card that changes oneself after the electronic bill check of this fund in the paying party electronic bill card by payment cipher by payment cipher.
The bill inquiry is used for all bills (comprising the bill of oneself signing and issuing and checking and accepting paying party) of the own electronic bill card of inquiry on payment cipher; Bill query processing process is as follows:
1, in payment cipher, inserts the electronic bill card;
2, payment cipher authentication electronic bill card;
3, payment cipher checking electronic bill bayonet socket order;
4, list the bill number of all bills in the electronic bill card;
5, the client chooses bill number;
6, payment cipher extracts the ticket contents that the client chooses and browses for the client;
7, browse finish after, withdraw from.
Bill is submitted to and is used for submitting unliquidated bill to by payment cipher, unliquidated bill is included in the bill of not submitting to liquidation center by phone dialing mode at that time in issue of bill or the examination, though and submitted to liquidation center, do not receive the bill of liquidation center's receipt owing to communication fault or other reason.
Bill to first kind of situation is submitted to, handles as follows as process:
1, in payment cipher, inserts the electronic bill card;
2, payment cipher authentication electronic bill card;
3, payment cipher checking electronic bill bayonet socket order;
4, list the bill number of effects not cleared in the electronic bill card;
5, the client chooses bill number;
6, payment cipher extracts the ticket contents that the client chooses and browses for the client;
7, payment cipher prompting client confirms to submit to clearance;
8, payment cipher is set up communication by dialing with liquidation center and is connected;
9, the bill that the client is selected sends to liquidation center;
10, wait for the receipt of liquidation center;
11, the receipt of checking liquidation center;
12, in the electronic bill card, write down receipt.
13, withdraw from
Bill for second kind of situation is submitted to, and the processing procedure of processing procedure and first kind of situation is just the same, and just the processing of liquidation center is had any different.After liquidation center receives bill, be unique key assignments retrieval clearance state repository with account number and check number at first, if there is information, then proposition information forms receipt, issues payment cipher after the signature, if there is not information, then clears by normal submission program.
Auxiliary management comprises that change payment cipher bayonet socket make, change that the electronic bill bayonet socket makes, the setting of payment cipher date, liquidation center's telephone number setting, bill arrangement etc., and it is as follows to change the process that the payment cipher bayonet socket makes:
1, in payment cipher, inserts the payment cipher card;
2, payment cipher authentication payment cipher card;
3, payment cipher validation of payment password bayonet socket order;
4, two all over enter new password;
Whether 5, check the content of twice input consistent;
6, inconsistent, the change failure is withdrawed from;
7, unanimity is sent out the password change instruction to the payment cipher card;
8, correctly return, withdraw from.
The process of change electronic bill bayonet socket order is as follows:
1, in payment cipher, inserts the electronic bill card;
2, payment cipher authentication electronic bill card;
3, payment cipher checking electronic bill bayonet socket order;
Whether 4, check the content of twice input consistent;
5, inconsistent, the change failure is withdrawed from;
6, unanimity is sent out the password update instruction to the electronic bill card;
7, correctly return, withdraw from.
The utility model not only is applied to the fund clearing of financial industry, also be applicable to all need in the whole nation or the unified certification management is carried out in domestic certain region business and administrative authority thereof, for example, the management of draft anti-tamper security, national stock exchange transaction management, departments such as property tax, electric power, customs, post and telecommunications, public security.
Claims (5)
1, payment cipher, comprise display unit, keyboard, the IC-card access hole, storer, communication interface, printing interface, it is characterized in that also comprising the authorization identifying card, the payment cipher card, the electronic bill card, the authorization identifying card is that people head office authenticates the basic clearing key element of disburser's identity and payment behavior being used for of allotting, and the IC-card of control payment cipher use, the payment cipher card is that the client is used to note signing, and IC-card with computing function, the electronic bill card is an IC-card of depositing the electronic bill of signing and issuing, and the connected mode of these three kinds of cards and payment cipher is for pegging graft.
2, payment cipher according to claim 1, it is characterized in that the essential information in the described authorization identifying card has: be used for single key algorithm of authorization identifying, instruction, card number, the distribution of information of authorizing master key, the open key signature algorithm that calculates payment cipher being confirmed and differentiating
3, payment cipher according to claim 2, it is characterized in that the essential information in the described payment cipher card has: be used for single key algorithm of authorization identifying, open key signature algorithm, the algorithm of certifying signature, authorization identifying sub-key, the bank outlets of calculating payment cipher authenticate sub-key, user password sub-key, bank outlets' Personal Unlocking Key, payment cipher secret keys, the open key information of liquidation center of People's Bank of China, card number, distribution of information, client's essential information
4, payment cipher according to claim 3, it is characterized in that the essential information in the described electronic bill card has: single key cryptographic algorithm of authorization identifying, authorization identifying sub-key, bank outlets authenticate sub-key, user password key, bank outlets' password Personal Unlocking Key, card number, customer information, ticket document, receipt file
5, payment cipher according to claim 4 is characterized in that described authorization identifying card, payment cipher card, electronic bill card are the CPU cards that has coprocessor.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 99211516 CN2377554Y (en) | 1999-05-31 | 1999-05-31 | Payment cipher device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 99211516 CN2377554Y (en) | 1999-05-31 | 1999-05-31 | Payment cipher device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN2377554Y true CN2377554Y (en) | 2000-05-10 |
Family
ID=34004457
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 99211516 Expired - Lifetime CN2377554Y (en) | 1999-05-31 | 1999-05-31 | Payment cipher device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN2377554Y (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100380369C (en) * | 2005-03-23 | 2008-04-09 | 蔡冠群 | Intelligent digital audio emitter and electronic identity safety certification method therefor |
| CN102194277A (en) * | 2010-03-19 | 2011-09-21 | 唐沐天 | New intensive bank electronic payment cipher device |
| CN101221641B (en) * | 2007-12-20 | 2012-12-26 | 深圳兆日科技股份有限公司 | On-line trading method and its safety affirmation equipment |
-
1999
- 1999-05-31 CN CN 99211516 patent/CN2377554Y/en not_active Expired - Lifetime
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100380369C (en) * | 2005-03-23 | 2008-04-09 | 蔡冠群 | Intelligent digital audio emitter and electronic identity safety certification method therefor |
| CN101221641B (en) * | 2007-12-20 | 2012-12-26 | 深圳兆日科技股份有限公司 | On-line trading method and its safety affirmation equipment |
| CN102194277A (en) * | 2010-03-19 | 2011-09-21 | 唐沐天 | New intensive bank electronic payment cipher device |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| C53 | Correction of patent for invention or patent application | ||
| COR | Change of bibliographic data |
Free format text: CORRECT: PATENTEE; FROM: WANG ZIZHONG; GUAN MEI TO: SHENZHEN JIABAO ELECTRONICS EQUIPMENT CO., LTD. |
|
| CP03 | Change of name, title or address |
Address after: 518028, Shenzhen Huaqiang North Road, light industrial area 3 Building 4 layer section Patentee after: Shenzhen POKA Electronic Equipment Co., Ltd. Address before: No. 62, No. 205 West Ring Road, Beijing, Beijing, Haidian District Patentee before: Wang Zizhong Patentee before: Guan Mei |
|
| C17 | Cessation of patent right | ||
| CX01 | Expiry of patent term |