WO2015180578A1 - Procédé de paiement sécurisé pour carte financière visuelle - Google Patents

Procédé de paiement sécurisé pour carte financière visuelle Download PDF

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Publication number
WO2015180578A1
WO2015180578A1 PCT/CN2015/079284 CN2015079284W WO2015180578A1 WO 2015180578 A1 WO2015180578 A1 WO 2015180578A1 CN 2015079284 W CN2015079284 W CN 2015079284W WO 2015180578 A1 WO2015180578 A1 WO 2015180578A1
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WIPO (PCT)
Prior art keywords
card
pos
transaction
information
terminal
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PCT/CN2015/079284
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English (en)
Chinese (zh)
Inventor
刘劲彤
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刘劲彤
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Application filed by 刘劲彤 filed Critical 刘劲彤
Publication of WO2015180578A1 publication Critical patent/WO2015180578A1/fr

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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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/356—Aspects of software for card payments
    • 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
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners

Definitions

  • the invention relates to a secure payment method for a visual financial card, belonging to the fields of smart card, secure payment, data communication and electronic payment.
  • the payment scenario of the existing financial IC card requires the cardholder to interact with the terminal device (typically POS) of the payee.
  • the existing payment process is: the user first inputs a PIN code or password at the terminal (POS). Then, the terminal submits the service data to the financial IC card, and the financial IC card encrypts or signs the data by using the built-in private key, and returns the data to the terminal, and the terminal then sends the transaction information to the card issuing institution, and the card issuing institution judges according to the public key of the financial IC card. The cardholder confirms the transaction and completes the payment process. during this process:
  • Both contact and non-contact financial IC cards are passive devices according to EMV (Europay, MasterCard, VISA) or PBOC (China Standard) specifications. In the payment process, especially in large payments, it is necessary to rely on collection.
  • the party device typically is a POS machine
  • a display card which is characterized by a touch keyboard and a display
  • the visual financial card only uses the display history function, although it provides users with The query is convenient, but the keyboard and display do not participate in the payment process, and the transaction security is not improved.
  • the object of the present invention is to provide a secure payment method for a visual financial card, which can well solve the problem of forging transaction information, inputting a PIN code or paying a password.
  • the visual financial card includes a display screen and a keyboard, it can complete the transaction data display, the function of inputting a password, and it also includes the NFC communication capability, combining these capabilities with existing financial card specifications, enabling a more secure payment method. .
  • the invention adds a card POS software to the visual financial card, uses the keyboard and the display on the card to perform menu selection and information input, calls the financial card application according to the financial card specification, and authenticates the user identity when needed (PIN Or the input of the relevant password); communicate with the external terminal through NFC, the external terminal acts as the communication agent, establishes a communication link between the POS and its affiliated institution, and completes the communication of the transaction information.
  • the financial card application adds cache to the transaction data, allows the visible finance to leave the POS in the transaction, displays the main information of the transaction (such as the transaction amount), and allows the cardholder to reconnect the POS after entering the PIN or payment password on the card. Seal the deal.
  • a secure payment method for a visual financial card which can be visualized by a built-in card POS program of a financial card, the steps of which are:
  • the in-card POS program provides the external terminal with the information of the card application or account participating in the transaction, and the external terminal provides the capability information of the card to the in-card POS; when the external terminal initiates the transaction, the transaction of the terminal is provided to the in-card POS. information;
  • the POS in the card verifies the external terminal capability, and when it is confirmed that the transaction requirement is met, the POS in the card invokes the card application to perform payment, and then encapsulates the return result of the card application into payment request information, and forwards the payment request information to the card through the external terminal.
  • the institution affiliated with the card POS the institution affiliated with the POS in the card submits to the institution to which the card application belongs for transaction processing;
  • the POS affiliate of the card and the card issuer of the card application forward the processing result information to the POS in the card through the external terminal.
  • the in-card POS provides a menu for the cardholder to first select a card application participating in the transaction.
  • the in-card POS after confirming that the transaction requirement is met, the in-card POS generates a transaction verification request for the transaction information, and then forwards the request to the POS affiliate institution of the card through the external terminal; After the transaction verification request verifies the transaction information, the transaction information and the verification information are returned to the POS in the card through the external terminal; the POS in the card verifies the transaction by using a preset certificate of the POS affiliate institution of the card.
  • the information and verification information are displayed, and the transaction information and the verification information are displayed to the cardholder; after the cardholder confirms, the POS in the card invokes the card application for payment.
  • the cardholder confirms the PIN code or payment password entered by the keyboard of the visual financial card.
  • the external terminal if the external terminal is a transaction party, the external terminal connects to the POS affiliate institution of the card through its affiliated institution, and establishes a logical communication channel; when the transaction verification request is transmitted, the external terminal belongs to The institution authenticates the external terminal; after the authentication is passed, the external terminal belongs to the transaction verification request and the external The terminal authentication information is forwarded to the POS affiliation mechanism of the card; wherein the affiliation of the external terminal and the POS affiliation mechanism of the card have a trust relationship.
  • the transaction information is generated by selecting and inputting data through the menu of the in-card POS, or the transaction is obtained by inputting the transaction information on the external terminal and transmitting it to the in-card POS. information.
  • the data connection is an NFC P2P connection.
  • a secure payment method for a visual financial card which is composed of a financial card application and a human card interaction program on a financial card, the steps of which are:
  • the visual financial card establishes a connection with the terminal, and the terminal sends the transaction data to the visible financial card for caching;
  • the human card interaction program displays the cache transaction data to the cardholder, and after receiving the confirmation information input through the visual financial card, the financial card application uses the built-in private key to complete the encryption or signature of the cached transaction data. ;
  • the terminal sends the encrypted or signed data to the card issuing institution of the visible financial card;
  • the card issuing institution verifies the encrypted or signed data by using the public key of the visible financial card, and if the verification passes, the transaction is completed and the information is returned to the terminal, otherwise the transaction is rejected and the information is returned to the terminal;
  • the terminal sends the received return information to the visual financial card
  • the visual financial card presets the public key of the card issuing institution and the private key of the visible card, and the card issuing institution saves the private key of the private key and the visible financial card.
  • the visual financial card waits for the input of the confirmation information after displaying the setting information in the transaction data on its display screen.
  • the confirmation information is a PIN password or a payment password input through a keyboard of the visual financial card.
  • step 2) after the visual financial card disconnects the data from the terminal, the confirmation information is received.
  • the authentication method can be added, and the PIN is input using the keyboard on the card.
  • the terminal When the terminal selects to complete the cardholder authentication according to the authentication method of the visual financial card, the terminal generates challenge data (random number) or transaction information.
  • the implementation method is: adding a verification program to the visual financial card, and the financial card application needs to be modified.
  • the authentication method can be added, and the PIN is input using the keyboard on the card.
  • the terminal When the terminal selects to complete the cardholder authentication according to the authentication method of the visual financial card, the terminal generates challenge data (random number) or transaction information.
  • the payee enters the amount to be paid at the POS;
  • the terminal After reading the basic information of the card, the terminal selects to send the transaction data (amount, currency, payee institution information, terminal identifier, etc.) to the visual financial card, and the visible financial card saves the data in the memory;
  • the cardholder takes the card away from the terminal and opens the power switch of the visual financial card, and confirms the status through the keyboard access transaction.
  • the cardholder checks the main information of the transaction (such as the payment amount) saved in step 3 on the visual financial card, and inputs the PIN code or payment password on the card;
  • the program of the visual financial card uses the built-in private key of the card to complete the payment information. Confirmation, complete signature or encryption in the agreed format, and save it in the built-in memory;
  • the cardholder places the visual financial card in the card state (turns off the power of the visual financial card), and inserts the card into the card reader slot or approaches the non-contact card reading area again;
  • the terminal reads the transaction information return value and obtains the payment information including the card private key signature, and sends the payment information to the card issuing institution;
  • the card issuer uses the cardholder public key certificate to verify the signature or decrypt the transaction data in the transaction data, confirms that the cardholder confirms the transaction, completes the transaction, sends the notification information to the payment terminal or its organization, and forwards it to the visible by the payment terminal.
  • Debit Card uses the cardholder public key certificate to verify the signature or decrypt the transaction data in the transaction data, confirms that the cardholder confirms the transaction, completes the transaction, sends the notification information to the payment terminal or its organization, and forwards it to the visible by the payment terminal.
  • the external terminal is a POS machine or a NFC-enabled wireless terminal (such as a mobile phone, a tablet) and a software client of a payment institution.
  • a POS machine or a NFC-enabled wireless terminal (such as a mobile phone, a tablet) and a software client of a payment institution.
  • the terminal when the terminal is the payee, it needs to connect with the card issuer through its organization, and the terminal belongs to the institution. Verify the identity of the terminal and prove the identity of the payee to the card issuer.
  • the card POS application generates a PKI key pair of the in-card POS when generating the card, and can apply for a digital certificate for it.
  • the card POS retains the private key and the card issuer retains the public key or certificate.
  • the external terminal When the external terminal is the payee, especially when the payee is not using the financial grade POS, such as the NFC mobile phone + payment institution client software, the payee must be authenticated by the payee.
  • the external terminal When the external terminal is not the party to pay, the external terminal can directly connect to the card issuer server, and only serves as the communication agent of the POS in the card.
  • the card POS relies on the communication capability and transaction capability of the terminal.
  • the communication capability refers to the terminal accepting the data transmitted by the NFC, submitting the data to the designated server (in-card POS) according to the communication protocol, and forwarding the data returned by the server to the card through the NFC.
  • Internal POS communication capability also includes the communication capability between the financial institution of the terminal, and the transaction request and payment request of the POS in the card can be sent to the POS affiliate of the card, and the processing result is returned;
  • Transaction ability refers to the ability of the institution to which the terminal belongs and the POS affiliate of the card to support inter-institutional transactions.
  • the information transmission of the terminal identity authentication by the organization to which the terminal belongs is also included; the method flow of the present invention is as shown in the accompanying drawings.
  • the external terminal is the payee and the payment process is:
  • the S103 terminal inputs the payment amount in advance
  • Step S101 the card holder opens the card power supply and sets the card POS working mode through the keyboard; if there are multiple card applications or accounts in the card, the card holder can select the card application or account used in the transaction in step S102;
  • the card is close to the terminal, and the POS in the card and the terminal establish a connection of the NFC P2P;
  • step S105 the POS and the terminal interact with each other to confirm whether the payment behavior can be completed.
  • the card POS informs the terminal of the payment card information; the terminal sends the transaction information to the card POS terminal, and can dynamically change the payee according to the payment card or the account information, and select the mode of paying the minimum commission; the transaction information can be determined by the POS in the card. Menu selection and input data, can also be input on the terminal and passed to the card POS;
  • step S106 selects to perform the card issuer risk assessment
  • the POS in the card generates the complete transaction information in step S107, so that the POS private key signature is encapsulated into an authentication request sent to the POS affiliate institution, and sent to the external terminal for forwarding.
  • the POS affiliates
  • the terminal sends the transaction information to the institution to which the terminal belongs, and the collection institution completes the identity authentication of the terminal;
  • the terminal forwards the verification request to the institution of the POS in the card;
  • Step S108 The card issuing institution in the card performs security verification on the payment institution to determine whether the payment party is safe; after verification, the card issuing institution signs the transaction information and the verification result, and the step S109 is sent to the payment institution and forwarded to the terminal. And sent to the card POS through the NFC connection.
  • step S110 the POS receives the transaction information and verification information of the card issuer, and after verifying the signature of the card issuer, it will pay Easy main information and verification information are displayed to the user through the display on the card;
  • step S111 the user confirms the payment, the POS in the card calls the financial card application according to the financial card application specification, and when the PIN code needs to be input, the user inputs using the card keyboard;
  • the card may leave the terminal; when approaching the terminal again, the in-card POS and the terminal re-establish an NFC P2P connection and continue the previous working session.
  • step S112 the POS in the card returns data according to the financial card application. If the card returns the payment success authentication information or the online authentication information, the POS in the card signs or encrypts the information using the POS private key in the card, and then sends the card to the card through the external terminal. mechanism;
  • Step S113 The financial card issuing institution verifies the online authentication information of the financial card application, and completes the payment by the card issuing institution and the collecting institution according to the payment confirmation information of the financial card and the transaction information of the POS in the card.
  • the financial card issuer also generates a return script.
  • the acquiring mechanism of the card POS (technically, it is allowed to install a plurality of different financial card applications on one card, and there is a possibility that the in-card POS and the financial card application are not the same institution; generally the same as the card issuing institution of the financial card application) Forward, generate payment result information to the receiving institution.
  • step S114 the POS affiliate institution returns the payment result information to the organization to which the terminal belongs and forwards it to the terminal, and forwards it to the in-card POS.
  • the POS in the card receives the payment result and the return information, if the card script is included, the financial card specification is installed to send the script to the financial card application.
  • a method of generating a transaction by a card POS such as using a debit card to complete a transaction for repaying a credit card, the flow is as follows:
  • Step S101 the card holder opens the card power supply and sets the card POS working mode through the keyboard; if there are multiple card applications or accounts in the card, the card holder can select the card application or account used in the transaction in step S102;
  • step S103 the cardholder selects the in-card POS menu; in step 201, the cardholder selects the menu function and inputs the required data.
  • the card is close to the terminal, and the POS in the card and the terminal establish a connection of the NFC P2P;
  • Step S202 the in-card POS receives the capability information of the terminal, and determines whether the terminal supports the communication capability required for the transaction;
  • step S203 the in-card POS generates a transaction.
  • the card application when invoked, when the PIN or password is required, the cardholder can input through the keyboard on the card.
  • step S204 the POS in the card sends the data to the terminal, and the terminal submits the information to the POS affiliate institution.
  • step S205 the POS affiliate institution completes the transaction and returns data (to the terminal and returns to the in-card POS through the NFC P2P interface).
  • step S206 the in-card POS process returns information, such as: displaying the transaction result to the cardholder or calling the card application.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

Procédé de paiement sécurisé pour carte financière visuelle. Le procédé comporte les étapes suivantes: 1) une carte financière visuelle établit une connexion avec un terminal, connecte une organisation émettrice de cartes d'après des informations de base de la carte financière visuelle, et envoie des données de transaction à l'organisation émettrice de cartes; 2) l'organisation émettrice de cartes signe les données de transaction en utilisant une clé privée de l'organisation émettrice de cartes, puis envoie les données de transaction signées au terminal;3) le terminal envoie les données signées à la carte financière visuelle, la carte financière visuelle valide les informations en utilisant une clé publique de l'organisation émettrice de cartes et, si la validation réussit, la carte financière visuelle introduit des informations de confirmation, signe les données de transaction et envoie les données de transaction signées au terminal; et 4) le terminal envoie les données signées à l'organisation émettrice de cartes, et l'organisation émettrice de cartes valide les données signées en utilisant la clé publique de la carte et, si la validation réussit, l'organisation émettrice de cartes achève la transaction et renvoie des informations à la carte financière visuelle par l'intermédiaire du terminal. La sécurité d'un paiement de transaction est considérablement améliorée.
PCT/CN2015/079284 2014-05-30 2015-05-19 Procédé de paiement sécurisé pour carte financière visuelle WO2015180578A1 (fr)

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CN201410239454.4A CN104021473A (zh) 2014-05-30 2014-05-30 一种可视金融卡的安全支付方法

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