CN103903367B - A kind of financial IC card air storage method being embedded into mobile terminal and system - Google Patents
A kind of financial IC card air storage method being embedded into mobile terminal and system Download PDFInfo
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- CN103903367B CN103903367B CN201210585046.5A CN201210585046A CN103903367B CN 103903367 B CN103903367 B CN 103903367B CN 201210585046 A CN201210585046 A CN 201210585046A CN 103903367 B CN103903367 B CN 103903367B
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- card
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Abstract
The present invention relates to a kind of financial IC card air storage method being embedded into mobile terminal and system, belong to mobile payment field.Method of the present invention accesses bank's existing system in POS terminal mode；Carry out registering by space transference server and short message center platform and existing banking system, sign-out by the way of obtain that circle deposits PIN in flow process turn encipherment protection key and communication message MAC computation key；Timing performs sign-out and registers, and makes working key dynamically update when registering every time.Use method and system of the present invention to solve and need not increase or transform the existing any system of bank and service newly, can realize the financial IC card being embedded into mobile terminal is enclosed the problem deposited, both the implantation transformation of mobile terminal had not been relied on, eliminate again bank to the transformation of original system and upgrading, ensure that the high security of financial IC card transaction simultaneously.
Description
Technical field
The invention belongs to mobile payment, IC-card, financial field, be specifically related to one and be embedded into mobile whole
The financial IC card air storage method of end and system.
Background technology
Mobile payment in recent years quickly grows, and market has occurred some mobile payment products with aerial
Circle deposit system.Mobile payment is also referred to as mobile-phone payment, it is simply that allow user to use its mobile terminal (generally
It is mobile phone) commodity consumed or service are carried out a kind of method of service of account payment.Unit or individual
By mobile device, internet or closely sensing directly or indirectly send to bank finance mechanism
Pay instruction and produce currency Zhi Fuyu fund displacement behavior, thus realize mobile payment function.Mobile payment
Terminal device, internet, application provider and financial institution are blended, provides the user currency
The financial business such as payment, payment.Mobile payment is broadly divided near field and pays and remote payment two kinds, institute
Meaning near field pay, it is simply that with the mode of mobile phone card-brushing by bus, do shopping, the most convenient.Remote payment
Refer to: by sending payment instruction (such as Net silver, telephone bank, mobile-phone payment etc.) or by paying work
The means of payment that tool (as by mailing, remittance) is carried out, as paid electricity business in the palm released, in the palm in the palm
Supplementing with money, in the palm, video etc. belong to remote payment.Space transference refers to by operating handset UTK/STK(SIM
Tool Kit, STK) menu or cell-phone customer terminal, use OTA or BIP
Communicate Deng wireless mode and backstage payment system, complete wallet in mobile phone intelligent card is supplemented with money,
The functions such as inquiry, consumption.Be through for popular mobile phone make a phone call, note, OTA menu or fixed
The modes such as the relevant mobile phone client software of inhibition and generation carry out circle and deposit, and are immediately transferred by the bank card account amount of money
Process to Mobile phone card wallet.
At present, major part mobile payment is electronic wallet/electronic passbook product, and operator is electricity the most mostly
Letter operator and city one-card company.Migration along with China's Financial IC-card, it will have more gold
Melt IC-card (Integrated Circuit, integrated circuit) and be implanted in mobile terminal as electronics existing
Gold uses, existing mobile small amount payment function, has again and borrows/credit card function.Bank's aspect, use
Electronic cash realizes space transference, needs to transform existed system, and the movement of current bank is propped up
Pay product be mostly software application based on intelligent terminal or the module of mobile terminal is transformed, be to borrow
Mobile terminal is helped to realize enclosing and deposit function.
Summary of the invention
For defect present in prior art, it is an object of the invention to provide one be embedded into mobile eventually
The financial IC card air storage method of end and system.The method and system can solve the problem that and need not increase newly or change
Make the existing any system of bank and service, the financial IC card to being embedded into mobile terminal can be realized and carry out
The problem that circle is deposited, had not both relied on the implantation transformation of mobile terminal, had eliminated again bank to original system
Any transformation and upgrading, ensure that the high security of financial IC card transaction simultaneously.
For reaching object above, the technical solution used in the present invention is: a kind of be embedded into mobile terminal
Financial IC card air storage method, comprises the following steps:
Bank's existing system is accessed in POS terminal mode；
Carry out with existing banking system registering by space transference server and short message center platform, sign-out
Mode obtain that circle deposits PIN in flow process turn encipherment protection key and communication message MAC computation key；
Timing performs sign-out and registers, and makes working key dynamically update when registering every time.
Further, described register/sign-out step is to be initiated by space transference server and and banking system
Communicate.
Described working asynchronously between space transference server and banking system of having registered, the completeest
Becoming data syn-chronization work, synchrodata includes: working key, batch number, trade date, during transaction
Between wait important information.
Described sign-out completion system from normal operating conditions to the conversion of the most sign-out state, sign-out after system
System needs again to register and could work, and space transference server moment morning every day performs sign-out automatically
Register again, dynamically change the information such as working key, batch number by registering so every time, it is ensured that
The high security of transaction.
Further, during space transference startup of server, will automatically start flow process of registering, if registered
Unsuccessful, space transference server continues later with execution and registers task, until registering successfully；
Situations below space transference server can be registered again, when again registering, first carries out sign-out operation,
Perform again to register:
1) it is that PIN form is wrong or MAC verification mistake from banking system returned packet response code value；
2) space transference server verification bank response message MAC value is made mistakes.
Further, circle is deposited in flow process, and user selects the STK menu of correspondence, input circle at mobile terminal
Deposit the PIN code of the bank account of the amount of money and binding, send circle with short message mode and deposit request, a circle
Depositing transaction and comprising three short message interactings of IC-card and space transference server altogether, space transference server with
Data communication of banking system.
Further, circle deposit in flow process, when space transference server receive card circle deposit confirmation note time,
Issuing confirmation response, closing the transaction deposited by circle；If card execution result is in the confirmation note sent out on card
Failure, space transference server also needs that to banking system, respective transaction is initiated punching and just operates, and bank connects
Receive punching just ask after, the circle withholdd is deposited the amount of money and return back in user account, it is ensured that user's fund
Safety.
A kind of financial IC card space transference system being embedded into mobile terminal, including following device:
It is embedded into contactless payment financial IC card and STK applying unit thereof that mobile terminal uses: be used for
Initiate space transference request from STK menu, verification circle deposits response credit card issuer response data and to hair fastener
Travel far and wide and be originally authenticated；
Short message center platform: be used for reception and the forwarding providing wireless air network to complete note；
Space transference server: for accessing banking system in POS terminal mode, receive card terminal
The upper request sent out, finishing service mutual with banking system processes, and completes to register, sign-out, circle is deposited and rushed
Just operate；
Banking system: IC-card request data is authenticated and is verified, is carried out with space transference server
Alternately, complete to register, sign-out, circle is deposited, rushes the business such as just, is also that the fund of whole circle deposit system is come
Source side.
Effect of the invention is that: use method and system of the present invention, solve and need not increase newly
Or transform the existing any system of bank and service, can realize the financial IC being embedded into mobile terminal
Card carries out enclosing the problem deposited, and had not both relied on the implantation transformation of mobile terminal, and had eliminated again bank to former
Systematic any transformation and upgrading, ensure that the high security of financial IC card transaction simultaneously.
Accompanying drawing explanation
The structure chart of system described in Fig. 1 specific embodiment of the invention；
Fig. 2 is the space transference system mode transition diagram in the specific embodiment of the invention；
Described in Fig. 3 specific embodiment of the invention, the detail flowchart of step deposited by the circle of method.
Detailed description of the invention
The invention will be further described with detailed description of the invention below in conjunction with the accompanying drawings.
As it is shown in figure 1, a kind of financial IC card space transference being embedded into mobile terminal of the present invention
System, including following device:
It is embedded into contactless payment financial IC card and STK applying unit thereof that mobile terminal uses: be used for
Initiate space transference request from STK menu, verification circle deposits response credit card issuer response data and to hair fastener
Travel far and wide and be originally authenticated；
Short message center platform: provide wireless air network to complete reception and the forwarding of note；
Space transference server: with POS(Point Of Sale) terminal mode access banking system,
Receiving the request sent out in card terminal, finishing service mutual with banking system processes, and completes to register, sign
Move back, enclose to deposit and rush and just operate；
Banking system: IC-card request data is authenticated and is verified, is carried out with space transference server
Alternately, complete to register, sign-out, circle is deposited, rushes the business such as just, is also that the fund of whole circle deposit system is come
Source side.
A kind of financial IC card air storage method being embedded into mobile terminal, comprises the following steps:
Bank's existing system is accessed in POS terminal mode；
Carry out with existing banking system registering by space transference server and short message center platform, sign-out
Mode obtain circle and deposit PIN(Personal Identification Number, Ge Renshi in flow process
Other code) turn encipherment protection key and communication message MAC computation key；
Timing performs sign-out and registers, and makes working key dynamically update when registering every time.
One, register/sign-out flow process
As in figure 2 it is shown, Fig. 2 is the state transition diagram showing space transference system, system is only
Place can process circle in normal operation and deposit request.Register/sign-out flow process is to be taken by space transference
The flow process communicated with banking system that business device is initiated.
Register working asynchronously between space transference server and banking system, mainly completed data
Synchronous working, the weights such as synchrodata includes: working key, batch number, trade date, exchange hour
Want information.
Sign-out completion system is from normal operating conditions to the conversion of the most sign-out state, and sign-out rear system needs
Again registering and could work, space transference server moment morning every day automatically performs sign-out and signs
Arrive, dynamically change the information such as working key, batch number by registering, it is ensured that transaction so every time
High security.
During space transference startup of server, will automatically start flow process of registering, if it is unsuccessful to register,
Space transference server continues later with execution and registers task, until registering successfully.
Situations below space transference server can be registered again, when again registering, first carries out sign-out operation,
Perform again to register:
1) it is that PIN form is wrong or MAC(Message from banking system returned packet response code value
Authentication Code, message authority's code) verification mistake；
2) space transference server verification bank response message MAC value is made mistakes.
Two, flow process deposited by circle
The mistake being the fund in user's bank account to be transferred in mobile terminal in financial IC card deposited by circle
Journey.User selects the STK menu of correspondence, input circle to deposit bank's account of the amount of money and binding at mobile terminal
The PIN code at family, sends circle with short message mode and deposits request, and a circle is deposited transaction and comprised IC-card altogether with empty
Centre circle deposits three short message interactings of server, and space transference server leads to a secondary data of banking system
Letter.
As it is shown on figure 3, the completeest by IC-card and STK applying unit thereof and space transference server
The circle becoming IC-card wallet based on debt-credit note application is deposited, and in the present embodiment, each node in flow process deposited by circle
Mutual detailed step is as follows:
1) user initiates SELECT from STK menu setecting application catalogue, STK application to card bottom
PPSE(Proximity Payment Systems Environment, closely pays system
System environment) instruction；
2) STK application sends selection application AID(Application to card bottom
Identifier, application identities accord with) instruction, card bottom by debt-credit note specify lattice
Formula responds；
3) card sends circle to space transference server and deposits preparation uplink short message, applies for concrete PDOL
Data (Processing Options Data Object List, Treatment Options data
List object)；
4) space transference server returns PDOL data to card, PDOL according to short message communication agreement
Data comprise trade date, the exchange hour etc. obtained from banking system in response of registering
Information；
5) card application initialization operation.In application initialization processes, STK application sends GET
PROCESSING OPTIONS order starts to card announcement card trading processing.In life
In order, terminal is supplied to card request in Treatment Options data object list (PDOL)
Data element.Order corresponding information includes: AIP and AFL, AIP(Application
Interchange Profile, applies interaction feature) list transaction in processing procedure
The function of middle execution；AFL(Application File Locator, application file is fixed
Position device) list transaction need read data deposit short file identifier, recording mechanism,
The deposit position of the static signature data that record number and offline data certification need；
6) data (Read Record instruction) are read in STK application；
7) STK application carries out offline data certification, produces ARQC(Authorization Request
Cryptogram, authorization requests ciphertext), represent log-in mandate；
8) card tissue circle is deposited and is asked uplink short message to mail to space transference server；
9) space transference server is under working key is protected, and tissue is based on PBOC(People ' s
Bank of China, People's Bank of China) debt-credit note small amount payment circle deposit request report
Banking system given in literary composition, and banking system completes to withhold, and issues ARPC(Authorization
Response Cryptogram, authorization response ciphertext)；
10) after card receives downlink short message, ARPC carrying out external authentication, once transaction only carries out
External authentication；
11) (Generate AC instruction is once being handed in card execution Article 2 Generate AC instruction
At most perform twice in Yi), this time perform, the application cryptogram type of generation is transaction
Certificate (TC, Transaction Certificate), represents approval transaction；
12) STK application sends remaining sum in PUT DATA instruction modification card；
13) on card, headband deposits confirmation note, and the result of announcement card is to space transference server；
14) under space transference server, headband deposits confirmation response note, and closing the transaction deposited by a circle.
Three, positive flow process is rushed
Circle is deposited in flow process, when space transference server receive card circle deposit confirmation note time, issue really
Recognizing response, closing the transaction deposited by circle；If in the confirmation note sent out on card, card performs result is unsuccessfully,
Space transference server also needs that to banking system, respective transaction is initiated punching and just operates, and bank receives punching
After just asking, the circle withholdd is deposited the amount of money and return back in user account, it is ensured that user's fund security.
According to above-described embodiment, it can be seen that the present inventionAchieveBoth planting of mobile terminal had not been relied on
Enter transformation, eliminate again bank to any transformation of original system and upgrading, ensure that finance IC simultaneously
The high security of card transaction.Therefore, the present invention makes user to be the gold in mobile terminal whenever and wherever possible
Melt IC-card to supplement with money, it is to avoid go to business hall or supplement the trouble of POS site with money；The present invention can be seamless
Access existing banking system, it is not necessary to upgrading and transforming existing banking system to realize mobile payment,
The financial IC card development in mobile payment industry will be promoted.
It will be understood by those skilled in the art that method and system of the present invention is not limited to concrete reality
Executing the embodiment described in mode, specific descriptions above are intended merely to explain the purpose of the present invention, and
Non-for limiting the present invention.Those skilled in the art draw other reality according to technical scheme
Executing mode, also belong to the technological innovation scope of the present invention, protection scope of the present invention is by claim
And equivalent limits.
Claims (8)
1. it is embedded into a financial IC card air storage method for mobile terminal, comprises the following steps:
Bank's existing system is accessed in POS terminal mode；
Carry out registering by space transference server and short message center platform and existing banking system, sign-out by the way of obtain that circle deposits PIN in flow process turn encipherment protection key and communication message MAC computation key；
Timing performs sign-out and registers, and makes working key dynamically update when registering every time；
Described register/sign-out step is to be initiated by space transference server and communicated with banking system；
Described sign-out completion system from normal operating conditions to the conversion of the most sign-out state, sign-out rear system needs again to register and could work, space transference server moment morning every day automatically performs sign-out and registers, dynamically change working key, batch number by registering, it is ensured that the high security of transaction so every time.
A kind of financial IC card air storage method being embedded into mobile terminal, it is characterized in that: described working asynchronously between space transference server and banking system of having registered, mainly complete data syn-chronization work, synchrodata includes: working key, batch number, trade date, exchange hour.
A kind of financial IC card air storage method being embedded into mobile terminal, it is characterized in that: during space transference startup of server, will automatically start flow process of registering, if it is unsuccessful to register, space transference server continues later with execution and registers task, until registering successfully；
Situations below space transference server can be registered again, when again registering, first carries out sign-out operation, then performs to register:
1) it is that PIN form is wrong or MAC verification mistake from banking system returned packet response code value；
2) space transference server verification bank response message MAC value is made mistakes.
A kind of financial IC card air storage method being embedded into mobile terminal, it is characterized in that: circle is deposited in flow process, user selects the STK menu of correspondence, input to enclose the PIN code of the bank account depositing the amount of money and binding at mobile terminal, send circle with short message mode and deposit request, one circle is deposited transaction and is comprised a data communication of three short message interactings of IC-card and space transference server, space transference server and banking system altogether.
A kind of financial IC card air storage method being embedded into mobile terminal, it is characterized in that, circle is deposited in flow process, being deposited by the circle completing IC-card wallet based on debt-credit note application alternately of IC-card and STK applying unit thereof with space transference server, the mutual method of each node comprises the steps:
1) user initiates SELECT PPSE instruction from STK menu setecting application catalogue, STK application to card bottom；
2) STK application sends the instruction selecting application AID to card bottom, and card bottom is by the form response of debt-credit note regulation；
3) card sends circle to space transference server and deposits preparation uplink short message, applies for concrete PDOL data；
4) space transference server is according to short message communication agreement return PDOL data to card, comprising trade date, the exchange hour information obtained from banking system in response of registering in described PDOL data；
5) card application initialization operation；
6) data are read in STK application；
7) STK application carries out offline data certification, produces authorization requests ciphertext, represents log-in mandate；
8) card tissue circle is deposited and is asked uplink short message to mail to space transference server；
9) space transference server is under working key is protected, and small amount payment circle deposits request message to banking system organize debt-credit based on PBOC to remember, banking system completes to withhold, and issues authorization response ciphertext；
10), after card receives downlink short message, ARPC is carried out external authentication, once transaction Exactly-once external authentication；
11) card performs Article 2 Generate AC instruction, this time performs, and the application cryptogram type of generation is certificate of fair, represents that approval transaction, Generate AC instruction perform twice in once transaction；
12) STK application sends remaining sum in PUT DATA instruction modification card；
13) on card, headband deposits confirmation note, and the result of announcement card is to space transference server；
14) under space transference server, headband deposits confirmation response note, and closing the transaction deposited by a circle.
A kind of financial IC card air storage method being embedded into mobile terminal, it is characterized in that: step 5) in, in card application initialization processes, STK application sends GET PROCESSING OPTIONS order and starts to card announcement card trading processing, in order, terminal is supplied to the data element that card is asked in Treatment Options data object list, and order corresponding information includes: AIP and AFL, AIP list the function that transaction performs in processing procedure；AFL lists the deposit position of the static signature data of short file identifier, recording mechanism, record number and offline data certification needs that transaction needs the data read to deposit.
7. a kind of financial IC card air storage method being embedded into mobile terminal as described in any one of claim 1 to 6, is characterized in that: circle deposit in flow process, when space transference server receive card circle deposit confirmation note time, issue confirmation response, circle deposit closing the transaction；If in the confirmation note sent out on card, card performs result is unsuccessfully, space transference server also needs that to banking system, respective transaction is initiated punching and just operates, bank receive punching just ask after, the circle withholdd is deposited the amount of money and return back in user account, it is ensured that user's fund security.
8. it is embedded into a financial IC card space transference system for mobile terminal, including following device:
It is embedded into contactless payment financial IC card and STK applying unit thereof that mobile terminal uses: for initiating space transference request from STK menu, verification circle is deposited response credit card issuer response data and is authenticated credit card issuer script；
Short message center platform: be used for reception and the forwarding providing wireless air network to complete note；
Space transference server: for accessing banking system in POS terminal mode, receiving the request sent out in card terminal, finishing service mutual with banking system processes, completes to register, sign-out, circle is deposited and rushed and just operates；
Banking system: IC-card request data is authenticated and is verified, interacts with space transference server, completes to register, sign-out, circle is deposited, just rushed, and is also the funds source side of whole circle deposit system；
Carry out registering by space transference server and short message center platform and existing banking system, sign-out by the way of obtain that circle deposits PIN in flow process turn encipherment protection key and communication message MAC computation key；
Described register/sign-out be to be initiated by space transference server and communicated with banking system；
Described sign-out completion system from normal operating conditions to the conversion of the most sign-out state, sign-out rear system needs again to register and could work, space transference server moment morning every day automatically performs sign-out and registers, dynamically change working key, batch number by registering, it is ensured that the high security of transaction so every time.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210585046.5A CN103903367B (en) | 2012-12-28 | 2012-12-28 | A kind of financial IC card air storage method being embedded into mobile terminal and system |
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| CN201210585046.5A CN103903367B (en) | 2012-12-28 | 2012-12-28 | A kind of financial IC card air storage method being embedded into mobile terminal and system |
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| CN103903367A CN103903367A (en) | 2014-07-02 |
| CN103903367B true CN103903367B (en) | 2016-08-31 |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104506311B (en) * | 2015-01-12 | 2017-09-22 | 飞天诚信科技股份有限公司 | A kind of method for realizing function of registering |
| CN105590208A (en) * | 2015-03-24 | 2016-05-18 | 中国银联股份有限公司 | Mobile terminal having offline transaction notification function and notification method |
| CN108389127A (en) * | 2018-03-22 | 2018-08-10 | 中国银行股份有限公司 | A kind of automatic recovery method and device of expense |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| JP2008027166A (en) * | 2006-07-20 | 2008-02-07 | Nec Corp | Electronic settlement and payment system, mobile terminal, electronic money dispenser, and electronic money management server |
| CN101594589A (en) * | 2009-06-30 | 2009-12-02 | 中兴通讯股份有限公司 | Be used to protect the method and system of privacy of user |
| CN102457842B (en) * | 2010-10-22 | 2015-08-19 | 中国移动通信集团宁夏有限公司 | A kind of transaction by mobile phone, Apparatus and system |
| CN102332981A (en) * | 2011-10-12 | 2012-01-25 | 深圳市沃达通实业有限公司 | Three-layer key encryption method and bank transaction system |
| CN102426720A (en) * | 2011-11-22 | 2012-04-25 | 浙江省公众信息产业有限公司 | Mobile phone intelligent card, mobile phone terminal, system and method for electronic purse transfer in air |
| CN102819893B (en) * | 2012-08-08 | 2015-04-15 | 福建富士通信息软件有限公司 | Air storage method |
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Address after: 100102 Beijing city Chaoyang District Wangjing Lize Park No. 101 Qiming International Building 7 Patentee after: BEIJING WATCHDATA Co.,Ltd. Address before: 100102 Beijing city Chaoyang District Wangjing Lize Park No. 101 Qiming International Building 7 Patentee before: BEIJING WATCH DATA SYSTEM Co.,Ltd. |
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Granted publication date: 20160831 Termination date: 20211228 |