WO2008034347A1 - Procédé de mise en oeuvre d'affectation de fonds sans fil, et dispositif correspondant - Google Patents

Procédé de mise en oeuvre d'affectation de fonds sans fil, et dispositif correspondant Download PDF

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Publication number
WO2008034347A1
WO2008034347A1 PCT/CN2007/002683 CN2007002683W WO2008034347A1 WO 2008034347 A1 WO2008034347 A1 WO 2008034347A1 CN 2007002683 W CN2007002683 W CN 2007002683W WO 2008034347 A1 WO2008034347 A1 WO 2008034347A1
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WO
WIPO (PCT)
Prior art keywords
card
server
module
transaction
storage
Prior art date
Application number
PCT/CN2007/002683
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English (en)
Chinese (zh)
Inventor
Bo Zhou
Hongwei Zang
Original Assignee
Beijing Watch Data System Co, Ltd.
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by Beijing Watch Data System Co, Ltd. filed Critical Beijing Watch Data System Co, Ltd.
Publication of WO2008034347A1 publication Critical patent/WO2008034347A1/fr

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • 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
    • G06Q20/326—Payment applications installed on the mobile devices
    • 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
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements
    • H04W4/14—Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]

Definitions

  • the present invention relates to a method for performing aerial storage using a mobile communication device such as a mobile phone, and also relates to a key device for implementing the aerial storage method, and an identification card supporting the storage service, which belongs to the field of financial electronic technology.
  • Digital Money refers to the ability to repeatedly store or prepay, the holder pays the traditional currency to the bank, and the issuer converts the information of the equivalent cash value into a digital signal stored in electrical, magnetic or optical form. On the holder's storage medium, it is the general term for various electronic payment payment methods.
  • the trading process of electronic money is to first deposit a sum of money in a bank account as electronic money, and transfer it from a bank account to an electronic money account. In the future, the transaction does not have to go through the bank, and the transaction can be directly made with electronic money.
  • storage media as an electronic money carrier are mainly various smart cards, such as public transportation IC cards, campus cards, and dedicated PB0C electronic passbooks/electronic wallets cards. It is convenient, time-saving and safe to use the smart card to swipe for trading activities such as consumption.
  • smart cards such as public transportation IC cards, campus cards, and dedicated PB0C electronic passbooks/electronic wallets cards.
  • PB0C electronic passbooks/electronic wallets cards
  • Mobile phones have gradually become mobile information terminals that everyone carries with them.
  • the SIM card inside the mobile phone is used as a smart card and can be used directly for user identification. Therefore, future electronic money can be integrated with mobile communication devices such as mobile phones or personal digital assistants (PDAs) to solve the future cash flow problem of mobile e-commerce. In this way, users can go out shopping and carry out various transactions with a mobile phone or PDA, which will be more secure and convenient.
  • mobile communication devices such as mobile phones have not been able to realize the basic electronic money function of directly performing air-to-air storage.
  • the method can safely and accurately implement the operation of the air storage, and lays the role as an electronic money tool for mobile communication devices such as mobile phones. Foundation.
  • Another object of the present invention is to provide an identification card that can support a deposit service.
  • the mobile phone identification card is a key device to ensure the security of the air storage method.
  • An identification card for realizing air circulation characterized in that:
  • the identity card has an identity recognition module for telecommunication services and a payment system environment module for electronic money services;
  • the payment system environment module includes a payment system environment directory module and at least one application definition module, wherein the application definition module configures a basic file related to the application, and the information of the application definition module is stored in the payment system environment directory module. in.
  • the identity identification card has a contact interface and a non-contact interface
  • the identity recognition module for the telecommunication service performs telecommunication service communication through the contact interface
  • the payment system environment module performs the electronic money service through the non-contact interface. Class communication.
  • the application definition module includes at least one application definition module for the electronic wallet/electronic passbook service.
  • the identity recognition module for the telecommunication service is provided with a user identification application development tool function.
  • SIM card any of the SIM card, UIM card, ⁇ ⁇ card or USIM card.
  • the identity recognition module communicates with the payment system environment module through a user identification application development tool.
  • a method for implementing an aerial inventory, implemented by using the above identification card, the identification card being installed in a mobile communication terminal, comprising an identity recognition module for a telecommunication service and a payment system environment module for a financial service ; is characterized by:
  • the holder of the mobile communication terminal initiates a storage operation, inputs the transaction amount, and sends a initialization instruction to the card operating system through the user identification application development tool, and after the card operating system returns the corresponding data, the user identifies the application development tool to The server sends a queue request message;
  • the server After receiving the buffer request message, the server deducts the circle deposit item from the corresponding account, and sends a execution order command message to the identity card;
  • the user identification application development tool After the identification card receives the execution of the storage command, the user identification application development tool sends a storage instruction to the card operating system, and after the card operating system is verified, the money is added to the electronic wallet, and the corresponding data is returned to the user identification.
  • An application development tool wherein the user identification application development tool sends a buffer result message to the server; (4) After receiving the buffer result message, the server verifies and saves the verification information.
  • the manual request resends the request message to ensure that the server can receive the message.
  • the user identification application development tool adds the last information stored in the data to the server to confirm the last transaction result when sending the storage request short message.
  • the last circled information includes any one of the last inventory result, the last online transaction serial number, the last transaction date and time, the last transaction old balance, and the last transaction authentication information.
  • the server does not receive the confirmation of the mobile communication terminal within a predetermined time, the execution of the execution order command short message is automatically re-transmitted.
  • the server detects whether the transaction status of the transaction indicated in the re-package is completed, and if not, re-sends the storage command message, otherwise Ignore this heavy package.
  • the server receives an error message, the user takes a backoff measure and replenishes the deducted amount.
  • the write operation to the non-volatile memory is either all the write operation succeeds, or all the original values are maintained.
  • the identification card performs the air storage operation
  • the contactless transaction may be performed, and the non-contact is performed.
  • the air circulation process is aborted.
  • the MAC verification code is calculated according to the uplink/downstream short message content and the corresponding key, and the MAC verification code is added after the short message content and sent together.
  • the air storage method implemented by the mobile communication device such as a mobile phone provided by the invention can perform the operation of the circle through the functions of the user identification application development tool (STK) of the mobile phone, and does not need to be like the traditional electronic passbook/e-wallet card. Special financial equipment such as storage machines need to be used at specific locations, which greatly facilitates people's use.
  • STK user identification application development tool
  • FIG. 1 is a schematic diagram showing the basic structure of a dual interface telecommunication smart card with a payment function used in the present invention.
  • FIG. 2 is a schematic structural diagram of another implementation form of the dual interface telecommunication smart card shown in FIG. 1.
  • Figure 3 is a basic flow chart of the air circulation transaction process.
  • Figure 4 is a schematic diagram of the communication protection mechanism used in the above-mentioned air storage transaction process.
  • the mobile communication device as an electronic money tool needs to be modified from two aspects.
  • One is to strengthen its security to meet the high requirements for the financial security of the mobile communication device to directly use the mobile communication device;
  • Features simplify the related operations, so that users can realize the air storage business through limited operations.
  • the SIM card used is a dual interface telecommunication smart card with a payment function.
  • the dual interface telecommunication smart card with payment function is a key device for implementing the air storage service of the present invention. It has two user interfaces, a contact interface and a non-contact interface, and the two interfaces are connected by electrical signals through antennas or contacts.
  • the contact interface may be installed with a SIM card used by an existing ordinary mobile phone to implement a mobile communication service including a User Identification Application Development Tool (STK), and the non-contact interface may be provided with a functional unit supporting the electronic money function, so that Mobile phones can realize financial transactions such as mobile wallets and mobile phone passbooks.
  • STK User Identification Application Development Tool
  • the dual interface telecommunication smart card adds a payment system environment module to the existing SIM card for telecommunication service.
  • the payment system environment module is the functional unit supporting the electronic money function mentioned above, and the non-contact interface automatically selects the function unit upon power-on.
  • the payment system environment module is separate from the MF (main file) module for telecommunications services. Communication between them is possible through the User Identification Application Development Tool (STK).
  • STK User Identification Application Development Tool
  • the payment system environment module there is a payment system environment directory module and several ADF (application definition) modules.
  • the payment system environment directory module specifies which payment applications the payment system environment module can support.
  • an ADF module is configured for each specific payment application, and various EFs (basic files) related to the payment application are configured in each ADF module.
  • Each ADF module is configured in the payment system environment module, and its information is stored in the payment system environment directory module.
  • the payment system environment module is integrated with the MF (main file) module.
  • the payment system environment directory module and the ADF (application definition) module are respectively connected to the payment system environment module.
  • the present invention is configured in accordance with the requirements of the PB0C electronic wallet/electronic passbook standard issued by the People's Bank of China.
  • the corresponding ADF module meets the special provisions of the specification for implementing an e-wallet/electronic passbook on a smart card.
  • the dual interface telecommunication smart card with payment function can realize electronic money service by means of contactless transaction or data short message.
  • the non-contact terminal In the contactless transaction mode, the non-contact terminal first accesses the card through the non-contact interface on the card, and after the card is powered on, it is automatically transferred to the payment system environment module DDF.
  • the terminal can also select the payment system environment by sending a Select command. Module.
  • the terminal can determine the application supported by the card by reading the payment system environment directory module, and then select the ADF of the different application by using the Select command.
  • the application can be selected by selecting the e-wallet/electronic passbook ADF module. After selecting the application, the e-wallet/electronic passbook transaction can be carried out, and the specific transaction process is the same as the above PB0C e-wallet/electronic passbook standard.
  • the dual-interface telecom smart card with payment function can also support the function of the user identification application development tool (STK) of the mobile phone and the data short message method for air transaction. the way.
  • STK user identification application development tool
  • the following is an example of using aerial storage as an example to specify the specific steps for realizing air storage transactions by means of data short message using a dual interface telecommunication smart card with payment function.
  • the mobile phone holder initiates a ring operation in the mobile phone, and inputs a user password.
  • the user inputs the transaction amount, and organizes the relevant data through the user identification application development tool (STK) to initialize the card operating system.
  • the command (Initialize for Load APDU) is used to initiate a circle process.
  • the user identification application development tool (STK) organizes the relevant data and sends a circle request to the server. This is the first message.
  • the user feels that the waiting time is too long, the user can manually resend this message to the server.
  • the server After receiving the first short message sent by the dual interface telecommunication smart card with payment function, the server verifies MAC1 with the corresponding data, generates MAC2 and deducts the circle deposit item from the corresponding account, and sends the execution circle to the dual interface telecommunication smart card with payment function. Save, this is the second text message.
  • the above MAC verification code is calculated based on the uplink and downlink short message content and the related key, and the verification code is added after the data short message body to ensure the correctness and integrity of the entire data short message content. If the content of the SMS needs to be kept secret, you can also add corresponding encryption processing to each SMS.
  • the server After a certain period of time, if the server does not receive the confirmation of the mobile phone, you can send it several times (the specific number can be set as needed). There is a problem here, because the first one may be sent multiple times, so the server is likely to receive the repacking within the storage time allowed by the SMS center (such as three days).
  • the server should store each card according to the application serial number. Store the transaction SMS record, encounter the same transaction SMS, that is, it is recognized as a heavy package. At this time, the server will check whether the transaction status of the transaction is completed. If not, the second message will be resent. Otherwise, this will be re-issued. Heavy packets are ignored.
  • the dual interface telecommunication smart card After receiving the second short message, the dual interface telecommunication smart card organizes the corresponding data by the user identification application development tool (STK), sends a credit for load APDU to the card operating system, and the card operating system is responsible for verifying the MAC2, the online transaction serial number. Plus 1, the e-wallet adds money, updates the air transaction details, and generates transaction authentication information.
  • the operating system returns the corresponding data and status words to the User Identification Application Development Tool (STK), which organizes the relevant data by the User Identification Application Development Tool (STK) to send the results to the terminal.
  • STK User Identification Application Development Tool
  • the User Identification Application Development Tool can add the last stored result to the data in the first SMS ringing request for each transaction, the last online transaction serial number, The date and time of the last transaction, the old balance of the last transaction, the last transaction authentication information, of course, some adjustments can be made to the above-mentioned last inventory result information, so that the server can confirm the last transaction result.
  • the server After receiving the third SMS, the server verifies and saves the transaction authentication information. If an error status word is received, the server will take the appropriate rollback action and replenish the deducted amount.
  • the dual-interface telecommunications smart card can also perform contactless transactions during the period before the handset holder initiates the inventory operation to the dual-interface telecommunications smart card execution queue command. At this point, the air circulation transaction process will be aborted and the server will be notified the next time the circle is initiated.
  • the communication protection mechanism mainly includes:
  • the server will automatically resend it several times if it does not receive the confirmation within a certain period of time.
  • the power-off protection mechanism is enabled, that is, the write operation to the non-volatile memory (such as EEPR0M) in this instruction is performed.
  • the write operation to the non-volatile memory such as EEPR0M
  • STK User Identification Application Development Tool
  • STK is only responsible for the organization of data and the sending and receiving of data messages. Such a setting can solve the problem that the mobile phone may be shut down or the battery is dead during the air storage process, and the air circulation transaction will be terminated in this case.
  • the server performs successfully, deducts the corresponding amount, and sends the execution.
  • Circle the memory after receiving the second message (the instruction sent by the server), the card operating system judges that the transaction process is not in progress, the error status word and related information (online transaction serial number, transaction date) With the time, the transaction balance) is stored in the last record in the air transaction record, returning the error status, the User Identification Application Development Tool (STK) sends the error status word and the transaction record to the server, and the server uses the error status word and transaction. If the record determines that the transaction on the dual-interface telecom smart card with payment function is unsuccessful, the previous payment deduction is cancelled.
  • the dual interface telecommunication smart card having the payment function is implemented based on the basic architecture of the SIM card.
  • the present invention is not limited to this.
  • the UIM card used in the CDMA system, the PIM card of the PHS, and the USIM card used in the future 3G, etc., after adding the payment system environment module of the present invention, the method provided by the present invention can be used to implement the aerial storage operation. .

Abstract

L'invention concerne la mise en oeuvre d'affectation de fonds sans fil et le dispositif correspondant. Le dispositif est une carte à puce de télécommunication à double interface, à fonction de paiement, installée dans un téléphone mobile. Le détenteur du téléphone mobile initie l'opération d'affectation de fonds, introduit le montant de la transaction et envoie la commande d'initialisation d'affectation de fonds au système de fonctionnement de la carte par STK. Une fois que le système de fonctionnement de la carte a renvoyé les données correspondantes, le STK émet le message court de la demande d'affectation de fonds au serveur; après réception du message court de demande d'affectation, le serveur déduit le fonds affecté du montant correspondant après la validation et envoie le message court d'exécution de la commande d'affectation de fonds; la carte à puce de télécommunication double interface transmet la commande d'affectation au système de fonctionnement de la carte, après réception de l'ordre d'exécution de l'affectation de fonds; après validation, la bourse électronique ajoute l'argent et renvoie les données correspondantes au STK, et le STK envoie le message court du résultat de l'affectation de fonds au serveur.
PCT/CN2007/002683 2006-08-08 2007-09-11 Procédé de mise en oeuvre d'affectation de fonds sans fil, et dispositif correspondant WO2008034347A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN200610089196.1 2006-08-08
CN200610089196.1A CN1904923B (zh) 2006-08-08 2006-08-08 用于实现空中圈存的方法及其设备

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WO2008034347A1 true WO2008034347A1 (fr) 2008-03-27

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CN1904923A (zh) * 2006-08-08 2007-01-31 北京握奇数据系统有限公司 用于实现空中圈存的方法及其设备

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CN102708484A (zh) * 2012-04-25 2012-10-03 北京银达润和科技发展有限公司 一种实现空中圈存的方法及系统
CN103108277A (zh) * 2012-12-29 2013-05-15 深圳市康索特软件有限公司 基于手机客户端的空中业务实现方法及系统
CN103108277B (zh) * 2012-12-29 2016-03-09 深圳市康索特软件有限公司 基于手机客户端的空中业务实现方法及系统

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