WO2017193837A1

WO2017193837A1 - Future communication payment system based on signaling network

Info

Publication number: WO2017193837A1
Application number: PCT/CN2017/082686
Authority: WO
Inventors: 王根平; 杨帆; 朱旗
Original assignee: 深圳市欧乐在线技术发展有限公司
Priority date: 2016-05-13
Filing date: 2017-05-02
Publication date: 2017-11-16
Also published as: CN106022755A

Abstract

Disclosed in the present invention is a future communication payment system based on a signaling network. The system comprises: an intelligent contact management module, a Bluetooth module, an intelligent magnetic stripe module, a 7816 interface, a near field communication module, a virtual SIM module, and a power supply module. The intelligent contact management module provides a secure communication channel for signaling transmission. The Bluetooth module is connected to and communicates with an intelligent mobile terminal. The intelligent magnetic stripe module acquires communication data on the intelligent contact management module and converts a magnetic stripe signal into a serial peripheral interface signal and transmits the same to a point-of-sale terminal. The 7816 interface is used to connect to a device for inserting a banking card. The near field communication module enables contactless communication transmission with a point-of-sale terminal. The power supply module supplies power to the intelligent contact management module, the Bluetooth module, and the near field communication module. By employing the intelligent magnetic stripe module, the present invention enables all UnionPay cards of users to support multi-card applications with a magnetic stripe, enhances security properties of magnetic stripe cards, and facilitates application of the eSIM technology to all UnionPay cards, thus creating novel telecommunication modes.

Description

Title of Invention: A Future Communication Payment System Based on Signaling Network

[0001] The present invention relates to a sales terminal payment system, and in particular to a future communication payment system based on a signaling network.

Background technique

[0002] With the development of science and technology, more and more payment methods have become an indispensable tool for people to purchase, transfer and other transactions. The emergence of sales terminals makes it possible to conduct transactions by means of swiping during the transaction process. Direct cash transactions avoid the need to carry large amounts of cash during shopping or trading, and improve safe travel.

[0003] In the process of using a conventional magnetic stripe card, from the user's point of view, there are the following problems:

[0004] Security has a huge hidden danger, and traditional magnetic stripe bank cards are very easy to copy.

[0005] The traditional magnetic stripe bank card can only store the information of a single card, and it is necessary to accept and manage countless such cards in the user's life, which brings many inconveniences.

[0006] The magnetic stripe card can only be used on the specified Pos to obtain the information on the card, such as checking the balance, consumption, etc., which is a one-way communication tool, and the user cannot take the initiative to obtain the information of the card.

[0007] Due to the exposure of magnetic stripe cards, smart IC cards have been introduced in the financial card industry to address this security issue. Most bank cards issued by banks now belong to such cards, but users still have the following problems during use:

[0008] Each smart IC card only stores one bank's card application and data, and the user faces many card management problems.

[0009] Smart IC cards can only be used on designated Pos to obtain information on cards, such as checking balances, spending, etc.

, is a one-way communication tool, users can not take the initiative to get the information of their own cards.

[0010] Compatible with the magnetic stripe function, but also fully integrated magnetic stripe card defects;

[0011] All applications of smart IC cards must be pre-made before being released, and cannot be modified later.

[0012] In the field of telecommunications, the SIM card used is generally built in a mobile phone or plugged in. This method has existed for more than ten years. The following problems exist in user use and operation of the operator: [0013] Each time a carrier develops a user, a SIM card must be customized for it, and all data is pre-made.

[0014] From 2G to 3G, and then from 3G to 4G, operators must re-issue new physical SIM cards for users.

Allowing users to switch, or even replace the mobile phone, imposes a huge burden on the operator's operating costs, and the user also causes a lot of inconvenience to the user;

[0015] When the user replaces the mobile phone number, the SIM card must be replaced, and all the address records must be manually imported and exported by the user, or even the user's information is lost;

[0016] The user needs to use multiple mobile phone numbers, and has to go to the telecom operator's business hall to purchase multiple SIM cards, and then use dual card dual standby, or even multiple mobile phones.

technical problem

[0017] According to the above problems in the prior art, the present invention provides a future communication payment system based on a signaling network, which provides security guarantee for payment and protects transaction security.

Problem solution

Technical solution

[0018] In order to solve the above problems, the technical solution adopted by the present invention is:

[0019] A future communication payment system based on a signaling network, comprising: an intelligent contact management module, a Bluetooth module, an intelligent magnetic stripe module, a 7816 interface, a near field communication module, a virtual SIM module, and a power module, the intelligent contact management The module provides a secure communication channel for signaling transmission, the Bluetooth module is connected to the mobile intelligent terminal, and the intelligent magnetic strip module acquires communication data on the intelligent contact management module and converts the magnetic stripe signal into a serial peripheral interface signal transmission. For the sales terminal, the 7816 interface is used for connecting with the bank card insertion device, and the near field communication module and the sales terminal realize contactless communication transmission; the power supply module supplies power to the intelligent contact management module Bluetooth module and the near field communication module. The Bluetooth module, the intelligent magnetic strip module, the 7816 interface, the near field communication module, and the virtual SIM module are connected to the intelligent contact management module.

[0020] A further technical solution in the foregoing solution is: the intelligent contact management module includes a signaling communication module, a security module, and a big data module, wherein the signaling communication module, the security module, and the big data module are interconnected, and the Bluetooth module Connected to the signaling communication module, the smart magnetic stripe module, the 7816 interface, and the near field communication module are connected to the security module.

[0021] A further technical solution in the above solution is: the intelligent contact management module provides security for signaling transmission The communication channel specifically includes:

[0022] The security module and the sales terminal submit identity certificates, and respectively authenticate the identity certificates;

[0023] the security module and the sales terminal use a random number method to verify the identity of the other party;

[0024] the security module negotiates a communication password with the sales terminal to establish a secure communication channel;

[0025] the security module exchanges data with the sales terminal in a secure communication channel;

[0026] A further technical solution in the foregoing solution is: the near field communication module and the sales terminal implement non-contact communication transmission; the specific steps include:

[0027] the sales terminal sends a magnetic stripe data request;

[0028] The near field communication module performs signal conversion on the received magnetic stripe data request, and sends the magnetic stripe request SE data to the security module;

[0029] the security module requests the SE data in response to the magnetic stripe and returns the responded SE data to the near field communication module;

[0030] The near field communication module performs signal conversion on the responding SE data and transmits the return magnetic stripe data to the sales terminal.

[0031] A further technical solution in the foregoing solution is: the big data module adopts an 8G storage module.

[0032] A further technical solution in the foregoing solution is: further comprising: a wake-up module, where the wake-up module is connected to the signaling communication module.

[0033] Preferably, the wake-up module is a G-sensor.

[0034] Preferably, the wake-up module is a button.

[0035] A further technical solution in the foregoing solution is: the power module is a rechargeable power module.

[0036] A further technical solution in the foregoing solution is: further comprising: a multi-state indicator light, wherein the multi-state indicator light is connected to the signaling communication module.

Advantageous effects of the invention

Beneficial effect

[0037] Advantageous Effects of the Invention:

[0038] The present invention provides a future communication payment system based on a signaling network, which adopts an application of an intelligent magnetic stripe module, which allows a user to use a UnionPay full card to support a multi-card application on a magnetic strip; in the application of an intelligent magnetic stripe The introduction of the certification certificate strengthens the security features of the magnetic stripe card; the large data module is used to support the application of 1000 cards, allowing users to get rid of many cards; the application of the empty space-filling technology of the card application allows Users are more convenient and safe to consume, eSIM technology in the UnionPay full card application, create new telecommunications Mode.

Brief description of the drawing

DRAWINGS

1 is a structural diagram of a future communication payment system based on a signaling network according to the present invention;

2 is a flow chart of communication of a future communication payment system based on a signaling network according to the present invention.

BEST MODE FOR CARRYING OUT THE INVENTION

[0041] The present invention will be further described below in conjunction with the accompanying drawings.

[0042] Referring to FIG. 1, a structure diagram of a future communication payment system based on a signaling network is proposed.

[0043] As shown in FIG. 1, a future communication payment system based on a signaling network includes: an intelligent contact management module, a Bluetooth module, an intelligent magnetic stripe module, a 7816 interface, a near field communication module, a virtual SIM module, and a power module. The intelligent contact management module provides a secure communication channel for signaling transmission, the Bluetooth module is connected to the mobile intelligent terminal, and the intelligent magnetic strip module acquires communication data on the intelligent contact management module and converts the magnetic stripe signal into a string. The SPI (Serial Peripheral Interface) signal is transmitted to the sales terminal, and the 7816 interface is used for connecting with the bank card card device, and the near field communication module and the sales terminal realize contactless communication transmission; The smart communication management module Bluetooth module and the near field communication module are powered; the Bluetooth module, the intelligent magnetic strip module, the 7816 interface, the near field communication module, and the virtual SIM module are connected to the intelligent contact management module.

[0044] In the present invention, an intelligent magnetic strip module is introduced, and the magnetic strip becomes a communication channel of the main control. The data communicated on the magnetic stripe is derived from the UnionPay full-card built-in intelligent contact management module (Intelligent Contact).

Management, also known as ICM module), can obtain multiple card information through the magnetic stripe module, realize the problem of multi-card use on the magnetic stripe, and use the Bluetooth module of UnionPay full-card, users can also move on mobile phones, iP AD, etc. The card information is queried on the smart terminal, and then it can be queried and used conveniently.

[0045] The payment system can be connected to the bank card slot through the 7816 interface for service payment, and the near field communication module (Near Field Communication, also called NFC module) can be used for non-contact communication transmission with the sales terminal. .

[0046] In this embodiment, a point of sale (also referred to as a POS machine) is a multi-function terminal having functions of consumption, pre-authorization, and query payment list. [0047] The present invention integrates eSIM into a payment system, and can well solve these root cause problems for operators and users. Mainly reflects the following aspects:

[0048] The payment system, for example, the UnionPay full card adopts the full real name system, the built-in user's elD identification document, solves the real name problem of the SIM card application application; the SIM card application and data online application and online distribution, is stored in the UnionPay full card; The address book is stored in the user personal data center of the UnionPay full card, separated from the SIM card; the user's call records, transaction records, etc. are placed in the user's personal data center of the UnionPay full card; through the eSIM standard plug-in, the deposit in the UnionPay full card The eSIM is associated with a communication module such as a mobile phone 2G/3G/4G, allowing the user to better perform PSTN voice communication or data communication (network communication) provided by the telecommunication operator; combined with the characteristics of the eSI M, the user can use the phone in the signaling network. The number is used for file transfer, eMail, payment and other trusted services.

[0049] In the embodiment of the present invention, the intelligent contact management module includes a signaling communication module, a security module (also referred to as an SE module), and a big data module, wherein the signaling communication module, the security module, and the big data module are interconnected, The Bluetooth module is connected to the signaling communication module, and the smart magnetic strip module, the 7816 interface and the near field communication module are connected to the security module. The signaling communication module is configured to cover signaling generation, interpretation (decoding), processing, signaling pipeline establishment, and content pipeline establishment communication in the signaling network. The security module is mainly used to carry security data of the signaling network, third-party security data (bank card application and card data, etc.). The peer communicates with the magnetic strip, the 7816 interface, and the near field communication module, and the big data module uses the 8G memory module.

[0050] The intelligent contact management module provides a secure communication channel for signaling transmission, and specifically includes:

[0051] the security module and the sales terminal submit identity certificates, and respectively authenticate the identity certificates;

[0052] the security module and the sales terminal use a random number method to verify the identity of the other party;

[0053] the security module negotiates a communication password with the sales terminal to establish a secure communication channel;

[0054] The security module exchanges data with the sales terminal in a secure communication channel.

[0055] The invention adopts an intelligent magnetic stripe module, can realize multi-card support, can simultaneously store card applications and data of a plurality of banks, and adopts 8G big data module, can store 1000 card information, and passes through the security module and the sales terminal. A secure communication channel is established between the communication terminal and the sales terminal through the near field communication module, and the payment card is selected for payment, and the payment is safe and fast. A secure communication channel established by the Bluetooth module and the user's mobile phone, allowing users to query card information (balance inquiry, transaction record, etc.) on their mobile phones. And use the card for all kinds of online card payment; the intelligent magnetic stripe module allows multiple cards to be dynamically displayed on the magnetic strip, the security module is connected with the magnetic stripe card, and the data on the magnetic stripe is dynamically acquired from the SE.

[0056] Referring to FIG. 2, a flow chart of communication of a future communication payment system based on a signaling network is proposed.

[0057] As shown in FIG. 2, the near field communication module and the sales terminal implement contactless communication transmission; the specific steps include: [0058] the sales terminal sends a magnetic stripe data request;

[0059] the near field communication module performs signal conversion on the received magnetic stripe data request, and sends the magnetic stripe request SE data to the security module;

[0060] the security module requests the SE data in response to the magnetic stripe and returns the responded SE data to the near field communication module;

[0061] The near field communication module performs signal conversion on the response SE data and transmits the return magnetic stripe data to the sales terminal.

[0062] The payment system further includes: a wake-up module, where the wake-up module is connected to the signaling communication module. Used to wake up the UnionPay full card button, and in the course of the transaction, the user determines the transaction. The wake-up module is used for G-sensor for UnionPay full-card shake and wake-up, and for subsequent applications in sports health management. The invisible button is used to wake up the UnionPay full card button, and the user determines the transaction during the transaction.

[0063] The power module is a rechargeable power module, and the power module is charged by using a wireless charging method.

[0064] The payment system provided by the present invention further includes a multi-state indicator light, and the multi-state indicator light is connected to the signaling communication module. Used for UnionPad full card power alarm, charging status display, data communication display and so on.

The preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, but the present invention is not limited to the above-described embodiments, and can be made without departing from the scope of the present invention within the scope of the knowledge of those skilled in the art. Make a variety of changes. Many other changes and modifications can be made without departing from the spirit and scope of the invention. It is to be understood that the invention is not limited to the specific embodiment, and the scope of the invention is defined by the appended claims.

Claims

Claim

[Claim 1] A future communication payment system based on a signaling network, comprising: an intelligent contact management module, a Bluetooth module, an intelligent magnetic stripe module, a 7816 interface, a near field communication module, a virtual SIM module, and a power module The intelligent contact management module provides a secure communication channel for signaling transmission, the Bluetooth module is connected to the mobile intelligent terminal, and the intelligent magnetic strip module acquires communication data on the intelligent contact management module and converts the magnetic stripe signal into a string. The line peripheral interface signal is transmitted to the sales terminal, the 7816 interface is used for connecting with the bank card card device, and the near field communication module and the sales terminal realize contactless communication transmission; the power module is an intelligent contact management module bluetooth module And the near field communication module is powered; the Bluetooth module, the smart magnetic strip module, the 7816 interface, the near field communication module, and the virtual SIM module are connected to the intelligent contact management module.

[Claim 2] A signaling network-based future communication payment system according to claim 1, wherein the intelligent contact management module includes a signaling communication module, a security module, and a big data module, wherein signaling The communication module, the security module and the big data module are interconnected, and the Bluetooth module is connected to the signaling communication module, and the smart magnetic strip module, the 7816 interface and the near field communication module are connected to the security module.

[Claim 3] A signaling network-based future communication payment system according to claim 2, wherein the intelligent contact management module provides a secure communication channel for signaling transmission, and specifically includes:

The security module and the sales terminal submit the identity certificate and respectively authenticate the identity certificate; the security module and the sales terminal use the random number method to verify the identity of the other party; the security module negotiates the communication password with the sales terminal to establish a secure communication channel;

The security module exchanges data with the sales terminal in a secure communication channel.

[Claim 4] A signaling network-based future communication payment system according to claim 2, wherein the near field communication module and the sales terminal implement contactless communication transmission; the specific steps include:

The sales terminal sends a magnetic stripe data request;

The near field communication module performs signal conversion on the received magnetic stripe data request and sends the signal to the security module Sending a magnetic strip to request SE data;

The security module requests the SE data in response to the magnetic stripe and returns the responded SE data to the near field communication module;

The near field communication module performs signal conversion on the response SE data and sends back the magnetic stripe data to the sales terminal.

[Claim 5] A signaling network-based future communication payment system according to claim 2, wherein the big data module uses an 8G storage module.

[Claim 6] A signaling network-based future communication payment system according to claim 2, further comprising: a wake-up module, wherein the wake-up module is connected to the signaling communication module.

[Claim 7] A signaling network-based future communication payment system according to claim 6, wherein the wake-up module is a G-sensor.

[Claim 8] A signaling network-based future communication payment system according to claim 6, wherein the wake-up module is a button.

[Claim 9] A signaling network-based future communication payment system according to claim 1, wherein the power module is a rechargeable power module.

[Claim 10] A signaling network-based future communication payment system according to claim 2, further comprising a multi-state indicator light, wherein the multi-state indicator light is connected to the signaling communication module.