WO2016082673A1 - 电子现金交易中验证终端真实性的方法 - Google Patents

电子现金交易中验证终端真实性的方法 Download PDF

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WO2016082673A1
WO2016082673A1 PCT/CN2015/093892 CN2015093892W WO2016082673A1 WO 2016082673 A1 WO2016082673 A1 WO 2016082673A1 CN 2015093892 W CN2015093892 W CN 2015093892W WO 2016082673 A1 WO2016082673 A1 WO 2016082673A1
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terminal
information
transaction
electronic cash
authenticity
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French (fr)
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陈成钱
郭伟
周钰
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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

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  • the present invention relates to the field of electronic commerce technology, and more particularly to a method for verifying the authenticity of a terminal in an electronic cash transaction.
  • payment cards in the form of financial IC cards have been widely used. People generally use payment cards to conduct transactions among various types of merchants, which makes people's transactions safer and more convenient.
  • the storage unit in the payment card records the electronic cash in the user account, and the electronic cash exists in the form of digital information and is circulated through the Internet.
  • the simplest form of electronic cash transactions is the data interaction between three entities (merchants, users, banks).
  • the present invention provides a technical solution as follows:
  • a method for verifying the authenticity of a terminal in an electronic cash transaction wherein the terminal is arranged by the acquiring institution in the merchant, and the acquiring institution sets the terminal authenticity information in the terminal, the method comprising the following steps: between the terminal initiating and the payment card Electronic cash transaction, and the terminal sends the terminal authenticity information to the payment card; the payment card receives and records the terminal authenticity information and the transaction information of the electronic cash transaction; the payment card sends the transaction information and the terminal authenticity information to the card issuing institution; the card issuing institution The terminal authenticity information is forwarded to the acquiring institution, and the acquiring institution verifies the terminal authenticity information.
  • the method further includes the following steps: e), the acquiring institution determines whether the terminal is a pseudo terminal based on the authenticity information of the terminal, and returns a judgment result to the card issuing institution; f), if the judgment result indicates that the terminal is a pseudo Terminal, the card issuer initiates the cancellation of the electronic cash transaction.
  • each electronic cash transaction generates unique transaction information each.
  • the payment card records at least one piece of transaction information and at least one piece of terminal authenticity information, wherein each terminal authenticity information corresponds to at least one piece of transaction information.
  • the method for verifying the authenticity of the terminal in the electronic cash transaction provided by the invention not only can effectively protect the electronic cash from being stolen, protect the security of the user's property, enhance the user experience of the electronic cash transaction, but also the existing electronic cash.
  • the transaction process has been changed less and the time required for the transaction has been significantly reduced.
  • this method provides great flexibility and scalability for future upgrades of terminal certification.
  • FIG. 1 is a schematic flow chart of a method for verifying the authenticity of a terminal in an electronic cash transaction according to a first embodiment of the present invention.
  • FIG. 2 is a schematic diagram of a data interaction process between a payment card and an issuer and an acquirer.
  • a terminal for example, a POS machine
  • the acquirer sets terminal authenticity information in the terminal
  • the payment card is issued by the card issuer to the user, and the payment is made.
  • the card has a storage unit in which the user's account information (including at least electronic cash balance information) is recorded, and the user uses the payment card for electronic cash transactions in the merchant.
  • the acquiring institution and the issuing institution may be the same bank or different banks.
  • the present invention provides a method for verifying the authenticity of a terminal in an electronic cash transaction, which includes the following steps:
  • Step S10 The terminal initiates an electronic cash transaction with the payment card, and the terminal sends the terminal authenticity information to the payment card.
  • an application that provides an electronic cash transaction service is first enabled on the terminal, and then an electronic cash transaction can be performed with the payment card.
  • the terminal may send the terminal authenticity information to the payment card immediately after the application is enabled, or may be sent to the payment card after the activation, in the course of the electronic cash transaction, for example, together with the transaction authorization amount information.
  • the terminal sends the transaction authorization amount information together with the terminal authenticity information to the payment card, thereby reducing the number of data interactions in the electronic cash transaction process.
  • the acquirer sets unique terminal authenticity information for each terminal to distinguish them from each other and prevent forgery of the terminal.
  • the terminal authenticity information may include, for example, information such as an identification of the acquiring institution, an identification of the terminal, and an identification of the merchant.
  • the acquiring institution protects the authenticity information of the terminal to ensure its authenticity, confidentiality, integrity and unforgeability.
  • the specific protection mode is determined by the acquiring institution. For example, a random number, a payment card key, a card issuing institution key for encryption, and an electronic signature may be used.
  • Step S20 The payment card receives and records the terminal authenticity information and the transaction information of the electronic cash transaction.
  • the payment card receives the terminal authenticity information and the transaction information of the electronic cash transaction from the terminal, and records the two together in the storage unit of the payment card.
  • the transaction can be rejected.
  • the transaction information of the electronic cash transaction may include, for example, transaction authorization amount information, transaction time, transaction serial number, and the like.
  • each electronic cash transaction generates unique transaction information, and each transaction information corresponds to a terminal authenticity information.
  • the payment card held by the user After a plurality of electronic cash transactions, the payment card held by the user records a plurality of pieces of transaction information and at least one terminal authenticity information, wherein each terminal authenticity information corresponds to at least one piece of transaction information.
  • the recorded terminal authenticity information and the transaction information may have a one-to-many relationship, that is, the terminal authenticity information corresponding to the plurality of transaction information is the same, indicating that the user performs in the same merchant. Multiple transactions; it may also be a one-to-one relationship, that is, a transaction information corresponds to The only terminal authenticity information indicates that the user has only conducted one transaction within a certain merchant.
  • Step S30 The payment card sends the transaction information and the terminal authenticity information to the card issuing institution.
  • FIG. 2 shows the data interaction process between the payment card and the issuing bank and the acquiring institution.
  • the payment card sends unprocessed real information records of all terminals to the card issuer, and the card issuer processes each transaction separately to continue the flow of electronic cash according to the actual transaction.
  • terminal real information record includes terminal authenticity information, transaction information, and the correspondence between the two.
  • Step S40 The card issuing institution forwards the terminal authenticity information to the acquiring institution, and the acquiring institution verifies the terminal authenticity information.
  • the terminal authenticity information records the identity of the acquiring institution, and the card issuing institution forwards the terminal authenticity information to the acquiring institution according to the identifier.
  • the card issuer can set up a transfer center to transmit a lot of terminal authenticity information in a centralized and unified distribution manner.
  • the card issuer may be a different bank from the acquirer or a different business unit of the same bank.
  • the terminal is arranged by the acquirer, and the acquirer sets unique terminal authenticity information for each terminal and protects it; therefore, the acquirer can verify the authenticity information of the terminal to determine the origin of the electronic The authenticity of the terminal of the cash transaction.
  • step S40 the following two steps may also be included:
  • the acquiring institution determines whether the terminal is a pseudo terminal based on the authenticity information of the terminal, and returns a judgment result to the card issuing institution;
  • the card issuer initiates cancellation of the electronic cash transaction.
  • the acquiring institution initiates the cancellation behavior, that is, notifying the card issuing institution to resume.
  • the amount of electronic cash on the payment card for example, using the electronic cash refill process, or setting up a dedicated electronic cash amount recovery process; after the recovery is completed, the card issuer clears all records of the transaction information involving the pseudo terminal on the payment card, You can prompt the user, take security measures, etc.
  • the method for verifying the authenticity of the terminal in the electronic cash transaction provided by the above embodiment can effectively protect the electronic cash stolen, protect the user's property security, enhance the user experience of the electronic cash transaction, and also the existing electronic cash.
  • the transaction process has been changed less and the time required for the transaction has been significantly reduced.
  • this method provides great flexibility and scalability for future upgrades of terminal certification and is suitable for promotion in the field.

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  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
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Abstract

本发明涉及一种电子现金交易中验证终端真实性的方法，包括如下步骤：终端发起与支付卡之间的电子现金交易，并且终端向支付卡发送终端真实性信息；支付卡接收并记录终端真实性信息以及电子现金交易的交易信息；支付卡向发卡机构发送交易信息和终端真实性信息；发卡机构将终端真实性信息转发至收单机构，收单机构验证终端真实性信息。其有效地防护电子现金被盗刷、保护用户的财产安全，并为将来进一步的终端认证的升级提供了非常大的灵活性和可扩展性。

Description

电子现金交易中验证终端真实性的方法 技术领域
本发明涉及电子商务技术领域，更具体地说，涉及一种电子现金交易中验证终端真实性的方法。
背景技术
当前，金融IC卡形式的支付卡得到了广泛应用，人们普遍使用支付卡在各类商户中进行交易，其使得人们的交易更安全、生活更便利。支付卡内的存储单元记录有用户帐户内的电子现金，电子现金以数字信息形式存在，并通过互联网流通。电子现金交易最简单的形式表现为三个主体(商户、用户、银行)之间的数据交互。
在电子商务领域，用户持有的电子现金的安全性问题是至关重要的，在任何情况下，都是优先考虑的因素。为了防止伪终端发起电子现金交易而盗刷用户的电子现金，现有的方案主要是在支付卡和终端(例如，POS机)之间进行双向认证，如在中国银联的增强性电子现金应用规范中就使用了这一方式。但是，此种方案存在以下几点不足：
一、增加交易时间：支付卡需要与终端进行证书传输和相应的加/解密、电子签名验证的数据交互流程，这毫无疑问将增加处理时间，这对注重交易时间的脱机交易来说，会使得用户体验明显降低。
二、灵活性不足：该方案中，支付卡和终端之间的认证方式需固定下来，一旦由于技术进步，终端采用不同的认证方式或者增加对其他终端的新认证方式，都将需要对支付卡进行相应的软件改动，这对于已发行的卡片来说，是非常不便的。
因此，本领域技术人员期望获得一种安全并高效的、电子现金交易中验证终端真实性的方法。
发明内容
本发明的目的在于提供一种安全并高效的、电子现金交易中验证终端真实性的方法。
为实现上述目的，本发明提供一种技术方案如下：
一种电子现金交易中验证终端真实性的方法，其中，终端由收单机构布置于商户内，收单机构在终端内设置终端真实性信息，该方法包括如下步骤：终端发起与支付卡之间的电子现金交易，并且终端向支付卡发送终端真实性信息；支付卡接收并记录终端真实性信息以及电子现金交易的交易信息内；支付卡向发卡机构发送交易信息和终端真实性信息；发卡机构将终端真实性信息转发至收单机构，收单机构验证终端真实性信息。
优选地，在步骤d)之后还包括如下步骤：e)、收单机构基于终端真实性信息，判断终端是否为伪终端，并向发卡机构返回判断结果；f)、若判断结果指示终端为伪终端，发卡机构发起对电子现金交易的取消行为。
优选地，每次电子现金交易分别生成唯一的交易信息。
优选地，支付卡记录至少一条交易信息和至少一条终端真实性信息，其中每一终端真实性信息对应于至少一条交易信息。
本发明所提供的电子现金交易中验证终端真实性的方法，除了可以有效地防护电子现金被盗刷、保护用户的财产安全、增强电子现金交易的用户体验之外，还对现有的电子现金交易流程改动较少、其交易所需时间也明显降低，此外，该方法为将来进一步的终端认证的升级提供了非常大的灵活性和可扩展性。
附图说明
图1是本发明第一实施例提供的电子现金交易中验证终端真实性的方法的流程示意图。
图2是支付卡与发卡行、收单机构之间数据交互过程示意图。
具体实施方式
需要说明的是，在本发明各实施例中，终端(例如POS机)由收单机构布置于商户内，收单机构在终端内设置终端真实性信息，支付卡由发卡机构发行给用户，支付卡具有存储单元，其中记录有用户的帐户信息(至少包括电子现金余额信息)，用户在商户中使用支付卡进行电子现金交易。收单机构、发卡机构可以为同一家银行，也可以为不同银行。
如图1所示，本发明提供一种电子现金交易中验证终端真实性的方法，其包括如下步骤：
步骤S10、终端发起与支付卡之间的电子现金交易，并且终端向支付卡发送终端真实性信息。
具体地，先在终端上启用提供电子现金交易服务的应用程序，随后即可与支付卡进行一次电子现金交易。终端可在启用该应用程序之后立即向支付卡发送终端真实性信息，也可在启用之后、在进行电子现金交易的过程中，例如，与交易授权金额信息一起向支付卡发送。
优选情况下，终端将交易授权金额信息与终端真实性信息一起向支付卡发送，从而可以减少电子现金交易过程中数据交互的次数。
收单机构为每个终端设置唯一的终端真实性信息，以使其相互区别，并防止伪造终端。
终端真实性信息例如可包括收单机构的标识、终端的标识、商户的标识等信息。
进一步地，收单机构对终端真实性信息进行保护，确保其真实性、机密性、完整性和不可伪造性。具体保护方式由收单机构确定，例如可采用随机数、对支付卡密钥和发卡机构密钥进行加密、电子签名等保护方式。
步骤S20、支付卡接收并记录终端真实性信息以及电子现金交易的交易信息。
该步骤中，支付卡从终端接收终端真实性信息、该次电子现金交易的交易信息，将两者一起记录在支付卡的存储单元内。
支付卡若发现没有收到终端真实性信息，则可拒绝该次交易。
电子现金交易的交易信息例如可包括：交易授权金额信息、交易时间、交易流水号等。
其中，每次电子现金交易分别生成唯一的交易信息，每一交易信息对应于一条终端真实性信息。
经过多次电子现金交易之后，用户持有的支付卡记录多条交易信息和至少一条终端真实性信息，其中每一终端真实性信息对应于至少一条交易信息。
可以理解，在支付卡的存储单元内，所记录的终端真实性信息与交易信息可能为一对多的关系，即多条交易信息对应的终端真实性信息相同，表明用户在同一家商户内进行了多次交易；也可能为一对一的关系，即，某一交易信息对应 于唯一一条终端真实性信息，表明用户在某一商户内只进行了一次交易。
步骤S30、支付卡向发卡机构发送交易信息和终端真实性信息。
该步骤发生在用户将支付卡联网时，例如在联网以充值电子现金时。图2示出支付卡与发卡行、收单机构之间数据交互过程。
优选情况下，支付卡会将未处理的所有终端真实信息记录发送给发卡机构，发卡机构对每笔交易分别进行处理，以根据真实交易情况继续进行电子现金的流通。
本文所指的“终端真实信息记录”包含终端真实性信息、交易信息以及该两者之间的对应关系。
步骤S40、发卡机构将终端真实性信息转发至收单机构，收单机构验证终端真实性信息。
终端真实性信息记录有收单机构的标识，发卡机构依据该标识将终端真实性信息转发至收单机构。为了提高效率，发卡机构可设置一个转送中心，采用集中统一分发的方式传送许多条终端真实性信息。
具体地，发卡机构可能与收单机构为不同银行，或为同一银行的不同业务部门。如上所述，终端由收单机构布置，收单机构为每个终端设置唯一的终端真实性信息，并对其进行保护；因而，收单机构可验证终端真实性信息，以判断发起该次电子现金交易的终端的真伪。
根据本发明进一步改进的实施例，在步骤S40之后，还可以包括如下两个步骤：
收单机构基于终端真实性信息，判断终端是否为伪终端，并向发卡机构返回判断结果；
若判断结果指示终端为伪终端，发卡机构发起对电子现金交易的取消行为。
具体地，若判断结果指示终端为真实终端，则不需特别处理，电子现金按正常交易模式进行流转；若判断结果指示终端为伪终端，则收单机构发起取消行为，即：通知发卡机构恢复支付卡上的电子现金金额，例如，采用电子现金充值流程，或者，设置专用的电子现金金额恢复流程；在恢复完成后，发卡机构清除支付卡上所有涉及伪终端的、交易信息的记录，还可就此提示用户、采取安全措施等。
以上实施例提供的电子现金交易中验证终端真实性的方法，除了可以有效地防护电子现金被盗刷、保护用户的财产安全、增强电子现金交易的用户体验之外，还对现有的电子现金交易流程改动较少、其交易所需时间也明显降低，此外，该方法为将来进一步的终端认证的升级提供了非常大的灵活性和可扩展性，适合在本领域进行推广。
上述说明仅针对于本发明的优选实施例，并不在于限制本发明的保护范围。基于本发明的思想，本领域技术人员可作出各种变形设计，而不脱离本发明的思想及附随的权利要求。

Claims (6)

  1. 一种电子现金交易中验证终端真实性的方法，其中，所述终端由收单机构布置于商户内，所述收单机构在所述终端内设置终端真实性信息，所述方法包括如下步骤：
    a)、所述终端发起与支付卡之间的电子现金交易，并且所述终端向所述支付卡发送所述终端真实性信息；
    b)、所述支付卡接收并记录所述终端真实性信息以及所述电子现金交易的交易信息；
    c)、所述支付卡向发卡机构发送所述交易信息和所述终端真实性信息；
    d)、所述发卡机构将所述终端真实性信息转发至所述收单机构，所述收单机构验证所述终端真实性信息。
  2. 根据权利要求1所述的方法，其特征在于，在所述步骤d)之后还包括如下步骤：
    e)、所述收单机构基于所述终端真实性信息，判断所述终端是否为伪终端，并向所述发卡机构返回判断结果；
    f)、若所述判断结果指示所述终端为伪终端，所述发卡机构发起对所述电子现金交易的取消行为。
  3. 根据权利要求1所述的方法，其特征在于，所述终端真实性信息包括所述收单机构的标识、所述终端的标识和所述商户的标识。
  4. 根据权利要求1所述的方法，其特征在于，所述收单机构对所述终端真实性信息进行保护。
  5. 根据权利要求1所述的方法，其特征在于，每次所述电子现金交易分别生成唯一的所述交易信息。
  6. 根据权利要求1所述的方法，其特征在于，所述支付卡记录至少一条所述交易信息和至少一条所述终端真实性信息，其中每一所述终端真实性信息对应于至少一条所述交易信息。
PCT/CN2015/093892 2014-11-26 2015-11-05 电子现金交易中验证终端真实性的方法 Ceased WO2016082673A1 (zh)

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