CN106779682A - The intelligent SD card and its method of mobile payment of a kind of mobile payment - Google Patents
The intelligent SD card and its method of mobile payment of a kind of mobile payment Download PDFInfo
- Publication number
- CN106779682A CN106779682A CN201611084282.3A CN201611084282A CN106779682A CN 106779682 A CN106779682 A CN 106779682A CN 201611084282 A CN201611084282 A CN 201611084282A CN 106779682 A CN106779682 A CN 106779682A
- Authority
- CN
- China
- Prior art keywords
- unit
- payment
- controller unit
- identifying code
- secure storage
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
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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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
-
- 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
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention is the intelligent SD card and its method of mobile payment of a kind of mobile payment, belongs to communication technical field.A kind of intelligent SD card of mobile payment of the invention, it is characterised in that：Including communication unit, payment unit, controller unit, cipher key unit and secure storage unit, the communication unit carries out data interaction with mobile terminal；The payment unit is used to process the payment instruction transmitted from communication unit；The controller unit is used to receive the payment request of the mobile terminal passed back by communication unit, generate the random number A of 8 byte lengths, the Character mother plate prestored in random number A and secure storage unit generates the identifying code image of this transaction verification code, and sends secure storage unit preservation to；The cipher key unit is used to storing and managing digital certificate, carry out encryption and decryption to data and data are signed and signature is verified；Character mother plate and the identifying code image of random generation that the secure storage unit storage prestores.The present invention uses double verification, makes payment safer.
Description
Technical field
The present invention relates to communication technical field, and in particular to a kind of intelligent SD card of mobile payment and its mobile payment side
Method.
Background technology
Mobile payment, also known as mobile-phone payment, exactly allow user using its mobile terminal to the commodity consumed or service into
A kind of method of service that row account pays.Whole mobile payment process is related to mobile operator, payment services business, using offer
Business, equipment supplier, system integrator, businessman and terminal user.Current mobile payment service mostly using 13.56MHz and
2.4GHz standards.
At present when being paid by mobile terminal, for the safety guaranteed payment, user can be defeated by mobile terminal
Enter payment cipher, then payment cipher is transferred to carrier server by mobile terminal again, and carrier server will pay close again
During code is transferred to payment verification server, payment cipher may be captured by illegal user so that illegal user can be with profit
Paid by the checking of payment verification server with the payment cipher.This method of payment is very dangerous, it is easy to be hacked
Visitor attacks and causes economic loss.
The content of the invention
In order to solve problems of the prior art, it is an object of the invention to provide a kind of safer mobile payment
Method.
The technical scheme for realizing the object of the invention is：
A kind of intelligent SD card of mobile payment, including communication unit, payment unit, controller unit, cipher key unit and safety are deposited
Storage unit,
The communication unit carries out data interaction with mobile terminal；
The payment unit is used to process the payment instruction transmitted from communication unit；
The controller unit is used to receive the payment request of the mobile terminal passed back by communication unit, 8 byte lengths of generation
The Character mother plate prestored in random number A, random number A and secure storage unit generates the identifying code image of this transaction verification code,
And send secure storage unit preservation to；
The cipher key unit is used for storage and managing digital certificate, data is carried out with encryption and decryption and data are signed and tested
Signed certificate name；
Character mother plate and the identifying code image of random generation that the secure storage unit storage prestores.
A kind of method of mobile payment, comprises the following steps：
Mobile terminal is submitted to and pays request to intelligent SD card；
The communication unit of intelligent SD card is set up with mobile terminal and is connected；
Communication unit is sent to controller unit by request is paid, and controller unit analysis request data send this transaction and test
Card code image is to mobile terminal；
Controller unit is sent to by communication unit after mobile terminal input validation code image；
Decide whether to start key authentication after controller unit parsing identifying code image；
When key authentication is started, controller unit is sent to cipher key unit by request is paid, and carries out key authentication；
Controller unit decides whether to start payment unit according to the result；
When the result is correct, controller unit sends pay warrant to payment unit.
Preferably, controller unit is sent to by request is paid in communication unit, during controller unit analysis request data,
Controller unit generates the random number A of 8 bytes at random, and identifying code is sent with secure storage unit, generates identifying code image.
Preferably, controller unit generates the random number A of 8 bytes at random, 32 bytes sent with secure storage unit
Identifying code random replacement 8 byte character therein, generate identifying code image.
Method of mobile payment of the invention verifies and key authentication that double verification makes payment transaction more pacify using identifying code
Entirely.
Brief description of the drawings
Fig. 1 is the structural representation of SD card of the present invention；
Fig. 2 is the schematic flow sheet of method of mobile payment of the present invention.
Specific embodiment
A kind of intelligent SD card 100 of mobile payment, including communication unit 110, payment unit 120, controller unit 130,
Cipher key unit 140 and secure storage unit 150,
The communication unit carries out data interaction with mobile terminal；
The payment unit is used to process the payment instruction transmitted from communication unit；
The controller unit is used to receive the payment request of the mobile terminal passed back by communication unit, 8 byte lengths of generation
The Character mother plate prestored in random number A, random number A and secure storage unit generates the identifying code image of this transaction verification code,
And send secure storage unit preservation to；
The cipher key unit is used for storage and managing digital certificate, data is carried out with encryption and decryption and data are signed and tested
Signed certificate name；
Character mother plate and the identifying code image of random generation that the secure storage unit storage prestores.
A kind of method of mobile payment, comprises the following steps：
S1 mobile terminals such as mobile phone, ipad etc. are submitted to and pay request to intelligent SD card；
The communication unit 110 of S2 intelligent SD cards is set up with mobile terminal and is connected；
S3 communication units will pay request and be sent to controller unit 130, and the analysis request data of controller unit 130 send this
Secondary transaction verification code image is to mobile terminal；
Controller unit 130 is sent to by communication unit 110 after mobile terminal input validation code image；
Decide whether to start key authentication after the parsing identifying code image of S4 controller units 130；
When the result is incorrect, payment behavior terminates；
When key authentication is started, controller unit 130 is sent to cipher key unit 140 to S5 by request is paid, and carries out key authentication；
S6 controller units decide whether to start payment unit 120 according to the result；
When the result is incorrect, payment behavior terminates；
When the result is correct, controller unit 130 sends pay warrant to S7 to payment unit 120, and payment unit 120 is carried out
Pay.
Controller unit is sent to by request is paid in communication unit, during controller unit analysis request data, controller
Unit generates the random number A of 8 bytes at random, and identifying code is sent with secure storage unit, generates identifying code image.
Controller unit generates the random number A of 8 bytes, the identifying code of 32 bytes sent with secure storage unit at random
Random replacement 8 byte character therein, generates identifying code image, and the random number A of 8 bytes can replace secure storage unit transmission
No matter first 8 byte character, second 8 byte character, the 3rd 8 byte characters or the 4th 8 byte characters for coming, replace
Which 8 byte character is all random, makes safety of verification code higher.
Method of mobile payment of the invention verifies and key authentication that double verification makes payment transaction more pacify using identifying code
Entirely.
Above-described embodiment is only the specific embodiment of the invention, but is not limited to embodiment, all not depart from present inventive concept
In the case of, equivalent modification and the prior art addition done according to the application are accordingly to be regarded as the technology of the present invention category.
Claims (4)
1. a kind of intelligent SD card of mobile payment, it is characterised in that：Including communication unit, payment unit, controller unit, key
Unit and secure storage unit,
The communication unit carries out data interaction with mobile terminal；
The payment unit is used to process the payment instruction transmitted from communication unit；
The controller unit is used to receive the payment request of the mobile terminal passed back by communication unit, 8 byte lengths of generation
The Character mother plate prestored in random number A, random number A and secure storage unit generates the identifying code image of this transaction verification code,
And send secure storage unit preservation to；
The cipher key unit is used for storage and managing digital certificate, data is carried out with encryption and decryption and data are signed and tested
Signed certificate name；
Character mother plate and the identifying code image of random generation that the secure storage unit storage prestores.
2. a kind of method of mobile payment, it is characterised in that：Comprise the following steps：
Mobile terminal is submitted to and pays request to intelligent SD card；
The communication unit of intelligent SD card is set up with mobile terminal and is connected；
Communication unit is sent to controller unit by request is paid, and controller unit analysis request data send this transaction and test
Card code image is to mobile terminal；
Controller unit is sent to by communication unit after mobile terminal input validation code image；
Decide whether to start key authentication after controller unit parsing identifying code image；
When key authentication is started, controller unit is sent to cipher key unit by request is paid, and carries out key authentication；
Controller unit decides whether to start payment unit according to the result；
When the result is correct, controller unit sends pay warrant to payment unit.
3. method of mobile payment according to claim 2, it is characterised in that：In communication unit control is sent to by request is paid
Device unit processed, during controller unit analysis request data, controller unit generates the random number A of 8 bytes at random, is stored with safety
Unit sends identifying code, generates identifying code image.
4. method of mobile payment according to claim 3, it is characterised in that：Controller unit at random generation 8 bytes with
Machine number A, identifying code random replacement 8 byte character therein of 32 bytes sent with secure storage unit generates identifying code
Image.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611084282.3A CN106779682A (en) | 2016-11-30 | 2016-11-30 | The intelligent SD card and its method of mobile payment of a kind of mobile payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611084282.3A CN106779682A (en) | 2016-11-30 | 2016-11-30 | The intelligent SD card and its method of mobile payment of a kind of mobile payment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106779682A true CN106779682A (en) | 2017-05-31 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611084282.3A Pending CN106779682A (en) | 2016-11-30 | 2016-11-30 | The intelligent SD card and its method of mobile payment of a kind of mobile payment |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111163082A (en) * | 2019-12-27 | 2020-05-15 | 咪咕文化科技有限公司 | A verification code generation, verification method, electronic device and storage medium |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101916388A (en) * | 2010-07-27 | 2010-12-15 | 武汉天喻信息产业股份有限公司 | Smart SD card and method of using the smart SD for mobile payment |
| CN201936334U (en) * | 2011-01-14 | 2011-08-17 | 中国工商银行股份有限公司 | Mobile payment data secure digital card |
| CN102542453A (en) * | 2011-12-27 | 2012-07-04 | 大唐微电子技术有限公司 | Mobile payment identity verification method |
| CN103366103A (en) * | 2013-06-13 | 2013-10-23 | 广东岭南通股份有限公司 | Application encipherment protection method of card reader |
| US20130294602A1 (en) * | 2012-05-02 | 2013-11-07 | Horatio Nelson Huxham | Small Form-Factor Cryptographic Expansion Device |
-
2016
- 2016-11-30 CN CN201611084282.3A patent/CN106779682A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101916388A (en) * | 2010-07-27 | 2010-12-15 | 武汉天喻信息产业股份有限公司 | Smart SD card and method of using the smart SD for mobile payment |
| CN201936334U (en) * | 2011-01-14 | 2011-08-17 | 中国工商银行股份有限公司 | Mobile payment data secure digital card |
| CN102542453A (en) * | 2011-12-27 | 2012-07-04 | 大唐微电子技术有限公司 | Mobile payment identity verification method |
| US20130294602A1 (en) * | 2012-05-02 | 2013-11-07 | Horatio Nelson Huxham | Small Form-Factor Cryptographic Expansion Device |
| CN103366103A (en) * | 2013-06-13 | 2013-10-23 | 广东岭南通股份有限公司 | Application encipherment protection method of card reader |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111163082A (en) * | 2019-12-27 | 2020-05-15 | 咪咕文化科技有限公司 | A verification code generation, verification method, electronic device and storage medium |
| CN111163082B (en) * | 2019-12-27 | 2022-03-25 | 咪咕文化科技有限公司 | Verification code generation method, verification method, electronic equipment and storage medium |
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Application publication date: 20170531 |