CN104200359A - Application method of payment encryption hardware applied to mobile equipment - Google Patents
Application method of payment encryption hardware applied to mobile equipment Download PDFInfo
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- CN104200359A CN104200359A CN201410439737.3A CN201410439737A CN104200359A CN 104200359 A CN104200359 A CN 104200359A CN 201410439737 A CN201410439737 A CN 201410439737A CN 104200359 A CN104200359 A CN 104200359A
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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
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
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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
- G06Q20/30—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]
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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
- G06Q20/30—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
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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Abstract
The invention provides an application method of payment encryption hardware applied to mobile equipment and belongs to an encrypted cellphone payment mode. The payment encryption hardware comprises a chip which is provided with a mobile equipment communication interface, information of a bank card corresponding to a user and password information of the bank card are stored in the chip and encrypted,g and the chip is connected with a communication interface on the mobile equipment through the mobile equipment communication interface and accesses the Internet through the mobile equipment for online transactions. The application method is safe, reliable and convenient in operation, and inputting of a lot of information is not needed, so that transaction time is saved greatly, and the transactions are free of limitation; the payment encryption hardware is convenient to carry.
Description
Technical field
The invention provides a kind of application process that is applied to the payment encryption hardware of mobile device, belong to a kind of mobile-phone payment mode of encryption.
Background technology
The existing cell phone network modes of payments for submitting order on corresponding web page or third party software, submitted to after order, on webpage or on third party software, select corresponding bank, then select fast to pay or be linked into the Internet bank interface of corresponding bank, select quick payment can require to bind corresponding bank card, input payment cipher can pay, its backstage be by software to password encryption, and send to bank's background system to verify; And selection is linked into the Internet bank interface of corresponding bank, enter behind Internet bank interface, need to input account, at input password, after account is confirmed, enter again another interface, the general amount of money and the target account information of producing that shows in interface, then clicks and can allow insertions " U " shield after confirming, after insertion " U " shield, password at input " U " shield, can pay; Also have a kind of Credit Card Payments, after entering credit card network bank interface, can allow and input the information on a large amount of card faces, and obtain and confirm short-message verification code, then click completes transaction after confirming.
Currently available technology defect is:
One, fast pay bank card binding in third-party account, and use encryption software to be encrypted payment cipher, this cipher mode is very dangerous, once encryption software is acquired and cracks, account can arbitrarily be brushed away the amount of money by people, has affected greatly user security and the market safety of existing move transaction.
Its two, use and to be linked into Internet bank interface, and coordinate " U " shield, although can ensure account safety, but operating process is very tediously long, for the slower the elderly of ability to accept with frequently carry out the amount of money and proceed to the electric business that produces or the personnel of speculation in stocks, operate very inconvenient.
Its three, use short-message verification also very inconvenient, if mobile phone not at one's side, cannot be concluded the business, and need a large amount of card of input surface informations, make transaction there is certain limitation.
Summary of the invention
The object of the invention is to provide a kind of application process that is applied to the payment encryption hardware of mobile device, safe and reliable, easy to operate, does not need to input bulk information, has saved greatly exchange hour, and transaction does not have limitation, easy to carry.
The application process that is applied to the payment encryption hardware of mobile device of the present invention, comprise chip, chip is provided with mobile device communication interface, information and the encrypted message thereof of the corresponding bank card of user in chip, have been stored, and the information of the corresponding bank card of user and encrypted message thereof are through encryption, chip is connected with the communication interface on mobile device by mobile device communication interface, and carries out online transaction by mobile device accessing Internet.
The application process of the described payment encryption hardware that is applied to mobile device, mobile device refers to mobile phone and PAD etc. can be by the intelligent terminal of WLAN or GPRS data access network, and on it with can communication and mobile device on distinctive communication interface, information in chip is all by encryption, its manner of decryption Jin You bank is exclusive, even by various means by the Information Read-Out in chip, resulting information is also mess code, the security of user profile and the security of password in chip have been guaranteed greatly, and information is in chip independently, chip is connected with mobile device by mobile device communication interface, chip can carry out communication by the background system of mobile phone accessing Internet Bing Yu bank, and conclude the business, after mobile device communication interface and mobile device disconnect, the background system of bank can stop any transaction of the corresponding account of this chip at once, improved greatly security, for account safety provides the second heavily protection, in safety problem, with respect to present software cryptography mode, improved greatly security, in having brought in safety issue breakthrough, secondly, chip internal has stored bank card information, after being connected with mobile device by mobile device communication interface, can be directly by the account place bank of order link, and definite Send only Account, the trading password that only need to input chip can complete transaction, very convenient, compared to U shield, shortened greatly process of exchange, do not need to input any data, make the very easy of operating process change, and extremely save time, the volume of chip is also very small and exquisite, very convenient carrying.
The application process of the described payment encryption hardware that is applied to mobile device, comprise chip, chip has stored information and the encrypted message thereof of the corresponding bank card of user, chip is provided with CPU, rom, ram and mobile device communication interface, ram is used for carrying out intermediate data buffer memory, rom is used for storing the corresponding bank card information of user of carrying out public-key encryption through PKI key code system, public-key encryption program and the response key of trading password, and rom information can only write and can not read, guaranteed the confidentiality of data in rom, CPU is after receiving the random data of bank's background system transmission, the random data that bank's background system is sent coordinates the response key data of storing in rom to carry out the computing of individual event hash, and operation result is sent it back to bank backstage by mobile device communication interface and internet, and send transaction request information to its corresponding bank's background system, mobile phone is directly after webpage is submitted order to or submitted to by third party software order, communication interface is docked with the communication interface of mobile phone, CPU can be automatically by the transaction platform orientation of required payment to its corresponding bank's background system transmission transaction request information, bank's background system is after receiving transaction request information, can send random data to CPU, CPU carries out random data and response key data after uni-directional hash computing, operation result is sent it back to bank's background system, and the bank card information of carrying out public-key encryption storing in rom is sent to bank's background system simultaneously, bank's background system is after checking operation result is correct, can use the private cipher key matching with public keys to crack, obtain bank card information, order interface does not need to select bank and input card number simultaneously, directly link enters the input payment cipher interface of corresponding bank, on interface, can show payment and geld object account, at the direct key feeding cipher in input payment cipher place click, determine, after click is determined, CPU can pass through public-key encryption by the password of input, and send to bank's background system, bank's background system is used corresponding private cipher key decode and contrast with the encrypted message in database, if correctly conclude the business, whole payment process can complete, ZiCPUXiang bank background system sends after transaction request information, bank's background system can continually send random data to CPU, CPU can continually reply operation result to bank's background system, communication interface on mobile device communication interface and mobile phone disconnects, bank's background system cannot be received operation result, can be considered as closing the transaction, third party software or other programs cannot re-use corresponding account and carry out any transaction.Solved the problem of process of exchange complexity, at chip, not only can carry out public encryption letter to trading password, also store the public encryption information of the proper account of proper account, be that this chip can be regarded a bank card as, after this chip is docked by mobile device communication interface, CPU can carry out information interaction with bank's background system, directly the corresponding account of addition circuit board and target account are set up to pay and dock, avoided selection bank, after jumping to bank network bank interface, input the tediously long operations such as bank's card number and login password, after being docked with mobile phone, this chip can input payment cipher, inputted and confirm after directly can complete transaction, very convenient, the tediously long operation that has overcome existing safe network trading mode, to the personnel that accept the old man of ability and frequently conclude the business on network, provide convenience, and this process guarantee its security bright spot be, what use is double-encryption, be that trading password is encrypted, and trading password is carried out to public-key encryption, fool proof reliable, even if the enciphered data in ROM is read out, also cannot crack, that can see only only has mess code, avoided the external world to obtain its internal information, its the most firm one heavily protection be, from carrying out unilateral array computing by mobile device communication interface with the random data that can constantly bank's background system be sent after communication interface on mobile phone docks, and operation result is beamed back to bank and verify, if mobile device communication interface is extracted, bank's background system can not receive operation result, can be considered as transaction interrupts, be similar to bank card is spued from ATM, bank's background system can not receive operation result just can not carry out any transaction again, transaction is interrupted completely, very reliable and safety, its multiple safety protection mode has guaranteed the security of account greatly, also guaranteed the security in financial market simultaneously, overturned in theory the cryptoguard of any form of software, dual security protection form can guarantee safety when chip is connected with mobile device, safer after extracting, and during user's the encrypted processing of bank card information, and without third party software or transaction webpage, directly dock with bank background system, improved greatly the security of user profile.
The application process of the described payment encryption hardware that is applied to mobile device, when matching with mobile phone bank platform is used, mobile device communication interface is connected with the communication interface on mobile phone, CPU also can be used aforesaid way and bank's background system to carry out the mutual of information, bank's background system is after being used corresponding privately owned secret key pair public key to decode, can the information that store corresponding bank card in ROM be sent to Mobile banking's platform by internet, and requirement input password, the password of input, the password of input is used public key to be encrypted to send to bank's background system to carry out privately owned secret key by CPU and decodes, after being verified, background system Hui Xiang Mobile banking of bank platform sends the information that is proved to be successful, the direct redirect of Mobile banking's platform enters corresponding operation interface, can transfer accounts and inquire about Transaction Information operation and not need other proving programs, when bank's background system is received after the transaction request information of CPU, can continually to CPU, send random data, CPU can continually reply operation result to bank's background system, communication interface on mobile device communication interface and mobile phone disconnects, bank's background system cannot be received operation result, can be considered as closing the transaction, bank's background system is no matter receive that any transaction request is all off the docket again, and to Mobile banking, send exit instruction simultaneously, Mobile banking can directly exit corresponding operating interface.Can make Mobile banking's platform on mobile phone as the platform of the similar ATM ATM (automatic teller machine) business such as transfer accounts and pay the fees, in use, only need to when entering operation interface, input one time password, enter after operation pages, other operations do not need key feeding cipher again, avoided every operation once to key in password one time, make operating process very convenient, and quick, in safety problem, bank's background system can be by the uninterrupted random data that sends, and the operation result of proofing chip is confirmed the security of account, guaranteed greatly security, and after disconnecting the connection of mobile device communication interface, bank's background system can be shut the book, Bing Shi Mobile banking platform exits operation interface, even if there is virus to continue analogue mobile phone bank platform, send Transaction Information, bank's background system is also off the docket without exception, guaranteed greatly security.
The application process of the described payment encryption hardware that is applied to mobile device, chip is provided with bank card magnetic stripe scanister, when matching with mobile phone bank platform is used, when Mobile banking's platform enters after operation interface, can select gathering functions, and key in collection amount, and after confirming, Mobile banking's platform can be pointed out and be swiped the card, bank card is scanned on bank card entry scanister, and key in the trading password of this bank card, platform Hui Xiang bank of Mobile banking background system sends Transaction Information authentication password, after password authentification is passed through, bank's background system can carry out corresponding business processing, the corresponding account of bank card can be proceeded to collection amount to the corresponding account of the information recording in ROM, if use the function of transferring accounts, key entry is produced after the amount of money, the magnetic stripe that uses the surface sweeping of bank card magnetic stripe scanister need proceed to bank card can obtain card number, directly confirmation can forward the amount of money of setting need proceed to bank to, when bank's background system is received after the transaction request information of CPU, can continually to CPU, send random data, CPU can continually reply operation result to bank's background system, communication interface on mobile device communication interface and mobile phone disconnects, bank's background system cannot be received operation result, can be considered as closing the transaction, bank's background system is no matter receive that any transaction request is all off the docket again, and to Mobile banking, send exit instruction simultaneously, Mobile banking can directly exit corresponding operating interface.Make the process of exchange between bank account, can directly in mobile phone, complete, enter after the operation interface of mobile phone transaction platform, can directly set collection amount, by bank card entry scanister, simulation brushing card device, scanning bank card magnetic stripe, because chip is by the continuous unilateral array computing of random data and send it back bank's background system, Lai Yu bank constantly confirms annexation, set like this after collection amount, direct scanning magnetic strip, after obtaining bank card information, send bank's background system to, bank's background system can be set up transaction, after the trading password of input bank card, after bank's background system checking bank card business dealing password is errorless, the collection amount setting can be given to the corresponding account of chip, very efficient and convenient, only need to choose corresponding operating and set the amount of money, hold bank card side after scanning magnetic strip, key feeding cipher can complete transaction, very efficient and convenient, the chip institute corresponding account amount of money is given to the corresponding account of bank card of scanning, for anti-process, convenience very, as long as hold mobile phone, can carry out financial transaction with the bank card that can scan, saved greatly business people's time, and this process chip is real-time and bank's background system is set up communication link, guaranteed the security of account.
The application process of the described payment encryption hardware that is applied to mobile device, ATM ATM (automatic teller machine) is provided with the communication interface on mobile phone, mobile device communication interface is connected with the communication interface in ATM ATM (automatic teller machine), the background system of ATM ATM (automatic teller machine) is implanted into private cipher key and uni-directional hash mathematical algorithm, CPU carries out with the background system of ATM ATM (automatic teller machine) the information interaction mode that HeCPUYu bank background system is identical, the background system of ATM ATM (automatic teller machine) cracks out the corresponding bank card information of storing in ROM by corresponding private cipher key, and directly confirm account according to bank card information, and requirement is fade-in trading password, after input trading password, can enter the operation interface of ATM ATM (automatic teller machine), carry out the operations of ATM (automatic teller machine), when the background system of ATM ATM (automatic teller machine) is received after the transaction request information of CPU, can continually to CPU, send random data, CPU can reply operation result by the continual background system to ATM ATM (automatic teller machine), communication interface on mobile device communication interface and mobile phone disconnects, the background system of ATM ATM (automatic teller machine) cannot be received operation result, can be considered as closing the transaction, ATM automatic drawing chance directly exits operation interface.Because ATM belongs to bank inside, so it is fool proof that it is implanted into private cipher key, when needs cash, mobile device communication interface can be connected to the interface in ATM ATM (automatic teller machine), ATM automatic drawing chance is decoded and confirms the bank account information of recording in chip by private cipher key, after ATM ATM (automatic teller machine) is confirmed, only need key feeding cipher, can enter the operation pages of ATM automatic drawing, carry out the operations such as enchashment, very convenient, both can on mobile phone, conclude the business, also can use in the enterprising enforcement of ATM, can cover all functions of bank card completely, and when network trading, do not need the mediation devices such as La Kala, very convenient, and fool proof reliable, after mobile device communication interface disconnects, disconnect all banking.
The present invention compared with prior art beneficial effect is:
The application process of the described payment encryption hardware that is applied to mobile device, mobile device refers to mobile phone and PAD etc. can be by the intelligent terminal of WLAN or GPRS data access network, and on it with can communication and mobile device on distinctive communication interface, information in chip is all by encryption, its manner of decryption Jin You bank is exclusive, even by various means by the Information Read-Out in chip, resulting information is also mess code, the security of user profile and the security of password in chip have been guaranteed greatly, and information is in chip independently, chip is connected with mobile device by mobile device communication interface, chip can carry out communication by the background system of mobile phone accessing Internet Bing Yu bank, and conclude the business, after mobile device communication interface and mobile device disconnect, the background system of bank can stop any transaction of the corresponding account of this chip at once, improved greatly security, for account safety provides the second heavily protection, in safety problem, with respect to present software cryptography mode, improved greatly security, in having brought in safety issue breakthrough, secondly, chip internal has stored bank card information, after being connected with mobile device by mobile device communication interface, can be directly by the account place bank of order link, and definite Send only Account, the trading password that only need to input chip can complete transaction, very convenient, compared to U shield, shortened greatly process of exchange, do not need to input any data, make the very easy of operating process change, and extremely save time, the volume of chip is also very small and exquisite, very convenient carrying.
The application process of the described payment encryption hardware that is applied to mobile device, solved the problem of process of exchange complexity, at chip, not only can carry out public encryption letter to trading password, also store the public encryption information of the proper account of proper account, be that this chip can be regarded a bank card as, after this chip is docked by mobile device communication interface, CPU can carry out information interaction with bank's background system, directly the corresponding account of addition circuit board and target account are set up to pay and dock, avoided selection bank, after jumping to bank network bank interface, input the tediously long operations such as bank's card number and login password, after being docked with mobile phone, this chip can input payment cipher, inputted and confirm after directly can complete transaction, very convenient, the tediously long operation that has overcome existing safe network trading mode, to the personnel that accept the old man of ability and frequently conclude the business on network, provide convenience, and this process guarantee its security bright spot be, what use is double-encryption, be that trading password is encrypted, and trading password is carried out to public-key encryption, fool proof reliable, even if the enciphered data in ROM is read out, also cannot crack, that can see only only has mess code, avoided the external world to obtain its internal information, its the most firm one heavily protection be, from carrying out unilateral array computing by mobile device communication interface with the random data that can constantly bank's background system be sent after communication interface on mobile phone docks, and operation result is beamed back to bank and verify, if mobile device communication interface is extracted, bank's background system can not receive operation result, can be considered as transaction interrupts, be similar to bank card is spued from ATM, bank's background system can not receive operation result just can not carry out any transaction again, transaction is interrupted completely, very reliable and safety, its multiple safety protection mode has guaranteed the security of account greatly, also guaranteed the security in financial market simultaneously, overturned in theory the cryptoguard of any form of software, dual security protection form can guarantee safety when chip is connected with mobile device, safer after extracting, and during user's the encrypted processing of bank card information, and without third party software or transaction webpage, directly dock with bank background system, improved greatly the security of user profile.
The application process of the described payment encryption hardware that is applied to mobile device, can make Mobile banking's platform on mobile phone as the platform of the similar ATM ATM (automatic teller machine) business such as transfer accounts and pay the fees, in use, only need to when entering operation interface, input one time password, enter after operation pages, other operations do not need key feeding cipher again, avoided every operation once to key in password one time, make operating process very convenient, and quick, in safety problem, bank's background system can be by the uninterrupted random data that sends, and the operation result of proofing chip is confirmed the security of account, guaranteed greatly security, and after disconnecting the connection of mobile device communication interface, bank's background system can be shut the book, Bing Shi Mobile banking platform exits operation interface, even if there is virus to continue analogue mobile phone bank platform, send Transaction Information, bank's background system is also off the docket without exception, guaranteed greatly security.
The application process of the described payment encryption hardware that is applied to mobile device, make the process of exchange between bank account, can directly in mobile phone, complete, enter after the operation interface of mobile phone transaction platform, can directly set collection amount, by bank card entry scanister, simulation brushing card device, scanning bank card magnetic stripe, because chip is by the continuous unilateral array computing of random data and send it back bank's background system, Lai Yu bank constantly confirms annexation, set like this after collection amount, direct scanning magnetic strip, after obtaining bank card information, send bank's background system to, bank's background system can be set up transaction, after the trading password of input bank card, after bank's background system checking bank card business dealing password is errorless, the collection amount setting can be given to the corresponding account of chip, very efficient and convenient, only need to choose corresponding operating and set the amount of money, hold bank card side after scanning magnetic strip, key feeding cipher can complete transaction, very efficient and convenient, the chip institute corresponding account amount of money is given to the corresponding account of bank card of scanning, for anti-process, convenience very, as long as hold mobile phone, can carry out financial transaction with the bank card that can scan, saved greatly business people's time, and this process chip is real-time and bank's background system is set up communication link, guaranteed the security of account.
The application process of the described payment encryption hardware that is applied to mobile device, because ATM belongs to bank inside, so it is fool proof that it is implanted into private cipher key, when needs cash, mobile device communication interface can be connected to the interface in ATM ATM (automatic teller machine), ATM automatic drawing chance is decoded and confirms the bank account information of recording in chip by private cipher key, after ATM ATM (automatic teller machine) is confirmed, only need key feeding cipher, can enter the operation pages of ATM automatic drawing, carry out the operations such as enchashment, very convenient, both can on mobile phone, conclude the business, also can use in the enterprising enforcement of ATM, can cover all functions of bank card completely, and when network trading, do not need the mediation devices such as La Kala, very convenient, and fool proof reliable, after mobile device communication interface disconnects, disconnect all banking.
Embodiment
Below in conjunction with the present invention, the embodiment of the present invention is described further:
Embodiment 1: the application process that is applied to the payment encryption hardware of mobile device of the present invention, comprise chip, chip is provided with mobile device communication interface, information and the encrypted message thereof of the corresponding bank card of user in chip, have been stored, and the information of the corresponding bank card of user and encrypted message thereof are through encryption, chip is connected with the communication interface on mobile device by mobile device communication interface, and carries out online transaction by mobile device accessing Internet.
Embodiment 2: on the architecture basics described in embodiment 1, comprise chip, chip has stored information and the encrypted message thereof of the corresponding bank card of user, chip is provided with CPU, rom, ram and mobile device communication interface, ram is used for carrying out intermediate data buffer memory, rom is used for storing the corresponding bank card information of user of carrying out public-key encryption through PKI key code system, public-key encryption program and the response key of trading password, and rom information can only write and can not read, guaranteed the confidentiality of data in rom, CPU is after receiving the random data of bank's background system transmission, the random data that bank's background system is sent coordinates the response key data of storing in rom to carry out the computing of individual event hash, and operation result is sent it back to bank backstage by mobile device communication interface and internet, and send transaction request information to its corresponding bank's background system, mobile phone is directly after webpage is submitted order to or submitted to by third party software order, communication interface is docked with the communication interface of mobile phone, CPU can be automatically by the transaction platform orientation of required payment to its corresponding bank's background system transmission transaction request information, bank's background system is after receiving transaction request information, can send random data to CPU, CPU carries out random data and response key data after uni-directional hash computing, operation result is sent it back to bank's background system, and the bank card information of carrying out public-key encryption storing in rom is sent to bank's background system simultaneously, bank's background system is after checking operation result is correct, can use the private cipher key matching with public keys to crack, obtain bank card information, order interface does not need to select bank and input card number simultaneously, directly link enters the input payment cipher interface of corresponding bank, on interface, can show payment and geld object account, at the direct key feeding cipher in input payment cipher place click, determine, after click is determined, CPU can pass through public-key encryption by the password of input, and send to bank's background system, bank's background system is used corresponding private cipher key decode and contrast with the encrypted message in database, if correctly conclude the business, whole payment process can complete, ZiCPUXiang bank background system sends after transaction request information, bank's background system can continually send random data to CPU, CPU can continually reply operation result to bank's background system, communication interface on mobile device communication interface and mobile phone disconnects, bank's background system cannot be received operation result, can be considered as closing the transaction, third party software or other programs cannot re-use corresponding account and carry out any transaction.
Embodiment 3: on the architecture basics described in embodiment 2, when matching with mobile phone bank platform is used, mobile device communication interface is connected with the communication interface on mobile phone, CPU also can be used aforesaid way and bank's background system to carry out the mutual of information, bank's background system is after being used corresponding privately owned secret key pair public key to decode, can the information that store corresponding bank card in ROM be sent to Mobile banking's platform by internet, and requirement input password, the password of input, the password of input is used public key to be encrypted to send to bank's background system to carry out privately owned secret key by CPU and decodes, after being verified, background system Hui Xiang Mobile banking of bank platform sends the information that is proved to be successful, the direct redirect of Mobile banking's platform enters corresponding operation interface, can transfer accounts and inquire about Transaction Information operation and not need other proving programs, when bank's background system is received after the transaction request information of CPU, can continually to CPU, send random data, CPU can continually reply operation result to bank's background system, communication interface on mobile device communication interface and mobile phone disconnects, bank's background system cannot be received operation result, can be considered as closing the transaction, bank's background system is no matter receive that any transaction request is all off the docket again, and to Mobile banking, send exit instruction simultaneously, Mobile banking can directly exit corresponding operating interface.
Embodiment 4: on the architecture basics described in embodiment 3, chip is provided with bank card magnetic stripe scanister, when matching with mobile phone bank platform is used, when Mobile banking's platform enters after operation interface, can select gathering functions, and key in collection amount, and after confirming, Mobile banking's platform can be pointed out and be swiped the card, bank card is scanned on bank card entry scanister, and key in the trading password of this bank card, platform Hui Xiang bank of Mobile banking background system sends Transaction Information authentication password, after password authentification is passed through, bank's background system can carry out corresponding business processing, the corresponding account of bank card can be proceeded to collection amount to the corresponding account of the information recording in ROM, if use the function of transferring accounts, key entry is produced after the amount of money, the magnetic stripe that uses the surface sweeping of bank card magnetic stripe scanister need proceed to bank card can obtain card number, directly confirmation can forward the amount of money of setting need proceed to bank to, when bank's background system is received after the transaction request information of CPU, can continually to CPU, send random data, CPU can continually reply operation result to bank's background system, communication interface on mobile device communication interface and mobile phone disconnects, bank's background system cannot be received operation result, can be considered as closing the transaction, bank's background system is no matter receive that any transaction request is all off the docket again, and to Mobile banking, send exit instruction simultaneously, Mobile banking can directly exit corresponding operating interface.
Embodiment 5: on the architecture basics described in embodiment 4, ATM ATM (automatic teller machine) is provided with the communication interface on mobile phone, mobile device communication interface is connected with the communication interface in ATM ATM (automatic teller machine), the background system of ATM ATM (automatic teller machine) is implanted into private cipher key and uni-directional hash mathematical algorithm, CPU carries out with the background system of ATM ATM (automatic teller machine) the information interaction mode that HeCPUYu bank background system is identical, the background system of ATM ATM (automatic teller machine) cracks out the corresponding bank card information of storing in ROM by corresponding private cipher key, and directly confirm account according to bank card information, and requirement is fade-in trading password, after input trading password, can enter the operation interface of ATM ATM (automatic teller machine), carry out the operations of ATM (automatic teller machine), when the background system of ATM ATM (automatic teller machine) is received after the transaction request information of CPU, can continually to CPU, send random data, CPU can reply operation result by the continual background system to ATM ATM (automatic teller machine), communication interface on mobile device communication interface and mobile phone disconnects, the background system of ATM ATM (automatic teller machine) cannot be received operation result, can be considered as closing the transaction, ATM automatic drawing chance directly exits operation interface.
Claims (5)
1. an application process that is applied to the payment encryption hardware of mobile device, it is characterized in that, comprise chip, chip is provided with mobile device communication interface, information and the encrypted message thereof of the corresponding bank card of user in chip, have been stored, and the information of the corresponding bank card of user and encrypted message thereof are through encryption, and chip is connected with the communication interface on mobile device by mobile device communication interface, and carries out online transaction by mobile device accessing Internet.
2. an application process that is applied to the payment encryption hardware of mobile device, it is characterized in that, comprise chip, chip has stored information and the encrypted message thereof of the corresponding bank card of user, chip is provided with CPU, rom, ram and mobile device communication interface, ram is used for carrying out intermediate data buffer memory, rom is used for storing the corresponding bank card information of user of carrying out public-key encryption through PKI key code system, public-key encryption program and the response key of trading password, and rom information can only write and can not read, guaranteed the confidentiality of data in rom, CPU is after receiving the random data of bank's background system transmission, the random data that bank's background system is sent coordinates the response key data of storing in rom to carry out the computing of individual event hash, and operation result is sent it back to bank backstage by mobile device communication interface and internet, and send transaction request information to its corresponding bank's background system, mobile phone is directly after webpage is submitted order to or submitted to by third party software order, communication interface is docked with the communication interface of mobile phone, CPU can be automatically by the transaction platform orientation of required payment to its corresponding bank's background system transmission transaction request information, bank's background system is after receiving transaction request information, can send random data to CPU, CPU carries out random data and response key data after uni-directional hash computing, operation result is sent it back to bank's background system, and the bank card information of carrying out public-key encryption storing in rom is sent to bank's background system simultaneously, bank's background system is after checking operation result is correct, can use the private cipher key matching with public keys to crack, obtain bank card information, order interface does not need to select bank and input card number simultaneously, directly link enters the input payment cipher interface of corresponding bank, on interface, can show payment and geld object account, at the direct key feeding cipher in input payment cipher place click, determine, after click is determined, CPU can pass through public-key encryption by the password of input, and send to bank's background system, bank's background system is used corresponding private cipher key decode and contrast with the encrypted message in database, if correctly conclude the business, whole payment process can complete, ZiCPUXiang bank background system sends after transaction request information, bank's background system can continually send random data to CPU, CPU can continually reply operation result to bank's background system, communication interface on mobile device communication interface and mobile phone disconnects, bank's background system cannot be received operation result, can be considered as closing the transaction, third party software or other programs cannot re-use corresponding account and carry out any transaction.
3. the application process that is applied to the payment encryption hardware of mobile device according to claim 2, it is characterized in that, when matching with mobile phone bank platform is used, mobile device communication interface is connected with the communication interface on mobile phone, CPU also can be used aforesaid way and bank's background system to carry out the mutual of information, bank's background system is after being used corresponding privately owned secret key pair public key to decode, can the information that store corresponding bank card in ROM be sent to Mobile banking's platform by internet, and requirement input password, the password of input, the password of input is used public key to be encrypted to send to bank's background system to carry out privately owned secret key by CPU and decodes, after being verified, background system Hui Xiang Mobile banking of bank platform sends the information that is proved to be successful, the direct redirect of Mobile banking's platform enters corresponding operation interface, can transfer accounts and inquire about Transaction Information operation and not need other proving programs, when bank's background system is received after the transaction request information of CPU, can continually to CPU, send random data, CPU can continually reply operation result to bank's background system, communication interface on mobile device communication interface and mobile phone disconnects, bank's background system cannot be received operation result, can be considered as closing the transaction, bank's background system is no matter receive that any transaction request is all off the docket again, and to Mobile banking, send exit instruction simultaneously, Mobile banking can directly exit corresponding operating interface.
4. the application process that is applied to the payment encryption hardware of mobile device according to claim 2, it is characterized in that, chip is provided with bank card magnetic stripe scanister, when matching with mobile phone bank platform is used, when Mobile banking's platform enters after operation interface, can select gathering functions, and key in collection amount, and after confirming, Mobile banking's platform can be pointed out and be swiped the card, bank card is scanned on bank card entry scanister, and key in the trading password of this bank card, platform Hui Xiang bank of Mobile banking background system sends Transaction Information authentication password, after password authentification is passed through, bank's background system can carry out corresponding business processing, the corresponding account of bank card can be proceeded to collection amount to the corresponding account of the information recording in ROM, if use the function of transferring accounts, key entry is produced after the amount of money, the magnetic stripe that uses the surface sweeping of bank card magnetic stripe scanister need proceed to bank card can obtain card number, directly confirmation can forward the amount of money of setting need proceed to bank to, when bank's background system is received after the transaction request information of CPU, can continually to CPU, send random data, CPU can continually reply operation result to bank's background system, communication interface on mobile device communication interface and mobile phone disconnects, bank's background system cannot be received operation result, can be considered as closing the transaction, bank's background system is no matter receive that any transaction request is all off the docket again, and to Mobile banking, send exit instruction simultaneously, Mobile banking can directly exit corresponding operating interface.
5. the application process that is applied to the payment encryption hardware of mobile device according to claim 2, it is characterized in that, ATM ATM (automatic teller machine) is provided with the communication interface on mobile phone, mobile device communication interface is connected with the communication interface in ATM ATM (automatic teller machine), the background system of ATM ATM (automatic teller machine) is implanted into private cipher key and uni-directional hash mathematical algorithm, CPU carries out with the background system of ATM ATM (automatic teller machine) the information interaction mode that HeCPUYu bank background system is identical, the background system of ATM ATM (automatic teller machine) cracks out the corresponding bank card information of storing in ROM by corresponding private cipher key, and directly confirm account according to bank card information, and requirement is fade-in trading password, after input trading password, can enter the operation interface of ATM ATM (automatic teller machine), carry out the operations of ATM (automatic teller machine), when the background system of ATM ATM (automatic teller machine) is received after the transaction request information of CPU, can continually to CPU, send random data, CPU can reply operation result by the continual background system to ATM ATM (automatic teller machine), communication interface on mobile device communication interface and mobile phone disconnects, the background system of ATM ATM (automatic teller machine) cannot be received operation result, can be considered as closing the transaction, ATM automatic drawing chance directly exits operation interface.
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Application publication date: 20141210 |