CN101567110A - Consumer socialization zero-cash payment method and system - Google Patents
Consumer socialization zero-cash payment method and system Download PDFInfo
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- CN101567110A CN101567110A CNA2009101039436A CN200910103943A CN101567110A CN 101567110 A CN101567110 A CN 101567110A CN A2009101039436 A CNA2009101039436 A CN A2009101039436A CN 200910103943 A CN200910103943 A CN 200910103943A CN 101567110 A CN101567110 A CN 101567110A
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Abstract
The invention relates to a consumer socialization zero-cash payment method and system, comprising the following steps: mounting a client-end, disposing a server, sending the payment request, transmitting the payment request, backing the payment result, transmitting the payment response. The system comprises a consumer device, a merchant device, a relay device contacting with the consumer device and the merchant device, a payment device contacting with the relay device, wherein the payment device is the bank inside payment platform. The method is capable of performing the socialization large-scale zero-cash consumption payment deal and covering all payment environments and very suitable for wide low-cost social consumption payment group; effectively screening the hacker risk, reducing the consumer use-cost, not disclosing the account information of the consumer for performing the consumption and payment, reducing the payment dealing risk, not changing the feature of the bank inside payment platform with short development period.
Description
Technical field
The present invention relates to a kind of method of consumer socialization zero-cash payment and the system of this method of realization.
Technical background
Growing and rapid popularizing along with PSTN (public switch telephone network), INTERNET (Internet), WAP (WAP (wireless application protocol)), GPRS (GPRS), SMS (Short Message Service) technology, consumer's channel of disbursement has also progressively experienced the mode of POS (point of sale) terminal, telephone bank, Web bank, Mobile banking, though they can expand payment of bank card colony to a certain extent, have the following disadvantages:
(1) cost of access of POS terminal is higher, cause that the consumer only limits in the supermarket, megastore, star hotel hotel, top grade entertainment place, concentrate wholesale market, large-scale service industry and medium-sized retail owner etc. to possess fixed-site, the business environment of being ready to digest cost of access is paid transaction, and the embarrassment that has the bank card demagnetization to bring to the consumer, the risk of leaking bank's card number and password in addition;
(2) telephone bank's voice menu is numerous, makes payment transaction button complexity, complex operation;
The global sharing feature of the singularity of its financial transaction and INTERNET makes it to become the target of attack of network hacker first-selection, and bank is very high in the cost of its secure context investment;
(4) WAP of Mobile banking and GPRS mode just utilize the method for protocol conversion (HTTP (HTML (Hypertext Markup Language)) changes WAP into) and parallel access the (not influencing the transmission of voice during the GPRS online) to allow the consumer finally realize the payment mode of Web bank on mobile phone, and access fee is used usually above fixed broadband and surfed the Net;
(5) STK of Mobile banking (high capacity, multi-functional client identification module) card mode is the intelligent chip that delegated network operator of bank produces the integrated payment module, the consumer not only need change original SIM (client identification module) card with compensation when application is authorized, and the subsequent upgrade of bank paying module is difficult to realize! In addition, owing to bound Virtual network operator, the consumer group of bank is difficult to be extended to the client of other Virtual network operators;
(6) the normal short message mode of Mobile banking needs the consumer to use the payment instruction of the short message receiving-transmitting interface edit bank specified format that mobile phone carries to send to the Short Message Service Gateway of bank, the store-and-forward mechanism of note can cause the vestige of payment transaction to be stored in the server of mobile phone, base station and Virtual network operator, this makes that the security risk of this modes of payments is very big, and can repel not can the keyboard input and the consumer of typewriting.
Summary of the invention
The invention provides a kind of method of consumer socialization zero-cash payment, under the prerequisite that does not change the inner payment platform of existing bank, can guarantee that consumer and trade company carry out the safe, reliable, efficient zero transaction of paying in cash in all consumer environments.The present invention also provides the system of this method of realization.
The method of a kind of consumer socialization zero-cash payment of the present invention may further comprise the steps:
The first step, client is installed: the receiver module of the payment module of consumer's operation and trade company's monitoring is written as the independently software of consumer's client and the software of trade company's client respectively, is installed to the wireless communication terminal that consumer and trade company can carry out legal operation by bank's authorization;
Second step, deploying servers: can receive Payment Request from consumer's client, send payment response and call the forwarding module that payment interface finishes payment transaction at the inner payment platform of bank to consumer's client and trade company's client and be written as the independently software of server, and be arranged under the security clearance of bank on the wireless forwarding server that bank can carry out safety control;
In the 3rd step, send Payment Request: the consumer sends Payment Request in operation consumer client on the wireless communication terminal to the server that resides on the wireless forwarding server;
In the 4th step, transmit Payment Request: server is transmitted to payment interface with the Payment Request that receives;
In the 5th step, return payment result: payment interface is finished payment transaction, and payment result is returned to server;
In the 6th step, transmit payment response: the transaction results that server returns according to payment interface, distribute different payment response synchronously and give consumer's client and trade company's client.
Consumer's client in the first step possesses past server and sends transaction request and receive transaction results from server, and the function of complete monitoring transaction track, the friendly interface that also possesses the full screen menu operation, function choosing-item comprise consumption and payment, query the balance, revise password;
Trade company's client possesses from server reception transaction results, and the function of complete monitoring transaction details, also possesses the friendly interface of full screen menu operation, and function choosing-item comprises trade company's monitoring;
The professional input item of consumption and payment comprises trade company's numbering, payment, payment account, payment cipher;
The professional input item that queries the balance comprises payment account, password for inquiry;
Revising the professional input item of password comprises payment account, old payment cipher, new payment cipher, confirms new payment cipher;
Trade company's monitoring business output item comprises exchange hour, trade company's numbering, payment account, payment, payment Currency Type, remarks explanation;
Trade company numbering is enterprise or individual at the bankbook number of authorized bank, debit card number, credit card number, credit number, to public account number, virtual account number (bank is in order to improve Account Security or to satisfy the demand of inter-bank account transfer, unique account's sign that true account number mapping is formed);
Payment account is the consumer at the bankbook number of authorized bank, debit card number, credit card number, credit number, to public account number, virtual account number;
All kinds of payment ciphers are bank regulation and payment account funds transaction passwords one to one;
Password for inquiry is bank's regulation and the non-one to one funds transaction password of payment account;
All kinds of passwords are the person identification authority of forms such as literal, fingerprint, voice or cornea;
Exchange hour is accurate to nanosecond, and form is: YYYY-MM-DD hh:mm:ss.uuuuuu is the time that bank carries out the payment account true sale;
The remarks explanation is the extra explanation of bank to this payment transaction, (consumer sends the time of Payment Request for transaction city area code, consumption and payment timestamp, be accurate to nanosecond, form is: YYYY-MM-DDhh:mm:ss.uuuuuu) or the additional information of transaction feature such as consumer's client unique identification, be generally sky;
Bank's authorization is that sales counter is signatory, Net silver download, bluetooth communication, Infrared Transmission, medium copy or wireless communication terminal dispatch from the factory prepackage;
The communication apparatus of wireless communication terminal is SIM card, note cat or note cat pond;
After consumer's user end to server sent out the Payment Request bag, through the overtime payment response bag that does not also receive the server transmission, at this moment system was judged:
A. if inquiry business, consumer's user end to server is retransmitted same Payment Request bag, if the SMS network does not also recover normal communication when retransmitting number of times automatically and being zero, consumer's client is just abandoned this payment transaction;
If b. be non-inquiry business, consumer's client sends towards positive request package from the trend server, if the SMS network does not also recover normal communication when being zero towards positive number of times automatically, consumer's client is just abandoned this payment transaction, other modes of payments that the prompting consumer may use are concluded the business, if dash positive success, the Payment Request bag of consumer's user end to server transmission Shang incomplete transaction;
All inputoutput datas of consumer's client all are kept in the internal memory of dynamic assignment, delete automatically when finishing payment transaction or quitting a program, and do not preserve all data in this locality;
All input data of trade company's client all are kept at local monopolizing in the temporary file, delete automatically when quitting a program, and forever do not preserve all data in this locality.
Server in second step possesses in consumer's client and trade company's client to be distributed the payment response bag synchronously, calls the inner payment platform of payment interface indication bank and finish payment transaction, and the function of complete monitoring, record communication daily record;
Payment Request is that consumer's client is obtained the consumer after the payment transaction key element of importing on the wireless communication terminal of its legal operation, forms the packet of high safety by MD5 (md5-challenge) coding, DES (data encryption standards) encryption, CRC32 (32 CRC) verification and PACK (group bag) compression;
Payment response is after server obtains the result that payment interface returns, and by MD5 coding, des encryption, CRC32 verification and PACK compression, forms the packet of high safety;
Payment interface be server the developer by but be not limited to the mode software specifications that the legal business function that obtains calls from the bank aspect with bank signature confidentiality agreement, it must make consumer's client of describing in the first step and all business functions of trade company's client all realize legally;
The communication apparatus of wireless forwarding server is SIM card, note cat or note cat pond;
Server is after consumer's client sends out the payment response bag, and through the overtime information of sending to that does not also receive client, at this moment system is judged:
A. if inquiry business then abandons this payment response bag;
If b. be non-inquiry business, server can be put into the payment response bag unusual transaction and block formation, up to system manager's artificial treatment or receive consumer's client send carry out success towards positive request package and just dash after, just block payment response bag deletion the formation that this transaction is corresponding from unusual transaction;
All inputoutput datas of server all are kept in the internal memory of dynamic assignment, set and after finishing every payment transaction or in the task scheduling at night every day, to be saved in synchronously or asynchronously automatically on the dump device (dump device is magnetic tape station, CD writer or disk array) that is connected with wireless forwarding server according to the keeper, in this locality preservation transaction cycle all data greater than 24 hours.
" transmissions " in the 3rd step is meant that consumer's client utilizes SMS that Virtual network operator provides to serve Payment Request is sent to server;
Virtual network operator is China Mobile, CHINAUNICOM, China Telecom or China Netcom.
" receptions " in the 4th step is meant that SMS that the server by utilizing Virtual network operator provides serves and obtains Payment Request from consumer's client; After " forwarding " was meant that server passes through UNPACK (unpacking) decompress(ion), CRC32 verification, DES deciphering and MD5 coding and is reduced into the Payment Request packet that obtains expressly, the correlation function that calls payment interface again carried out the transaction processing of related service.
" finishing payment transaction " in the 5th step is meant that payment interface calls according to the correlation function of server, and the inner payment platform of indication bank is handled related service by existing service logic; " return to server " and be meant that the transaction results that payment interface is handled related service with the inner payment platform of bank sends server to.
" forwarding " in the 6th step comprises following logic realization:
(1) after server obtains the transaction results that payment interface returns, its packing is formed payment response by MD5 coding, CRC32 verification, des encryption and PACK compression;
(2) if right and wrong " consumption and payment " are concluded the business, the SMS service that the server by utilizing Virtual network operator provides transmits the payment response of non-" consumption and payment " transaction and gives consumer's client;
(3) if " consumption and payment " of failure concludes the business, the SMS service that the server by utilizing Virtual network operator provides transmits the payment response of " consumption and payment " Fail Transaction and gives consumer's client;
(4) if " consumption and payment " of success concludes the business, the payment response of SMS service synchronization distribution " consumption and payment " Transaction Success that the server by utilizing Virtual network operator provides is given consumer's client and trade company's client.
Adopted technical scheme of the present invention, bank can make the consumer carry out the zero transaction of paying in cash in all payment environment, because at present mobile phone in Chinese cities and towns one one of staff almost, so the consumption place has not only comprised traditional supermarket, megastore, the star hotel hotel, top grade entertainment place, concentrate the wholesale market, large-scale service industry and medium-sized retail owner's business environment, and the most important thing is that this system has expanded to government with the consumption and payment field, medical treatment, insurance, the charge mechanism of industries such as education and huge individual business operator, for example: food and drink, clothes, newsstand, the cigarette stand, mom-and-pop store, the family shop, the orchard worker, the vegetable grower, the dairy farmer, the rural migrant worker, the professional, or the like.
The system of a kind of consumer socialization zero-cash payment of the present invention, the relay that comprises consumer devices, trade company's device, gets in touch with consumer devices and trade company's device, the payment mechanism of getting in touch with relay, described payment mechanism is the inner payment platform of bank, which is provided with payment interface, is bank's on-line operation, safe and reliable, mature and stable payment system; It is characterized in that:
Described consumer devices is a wireless communication terminal, which is provided with consumer's client and communication apparatus; The consumer uses this device to initiate consumption and payment and receives the success of this consumption and payment or the execution result of failure.
Described trade company device is a wireless communication terminal also, which is provided with trade company's client and communication apparatus, and trade company uses the consumer devices of this device reception server distribution synchronously that oneself is initiated the execution result of the success of consumption and payment.
Described relay is wireless forwarding server, which is provided with server, communication apparatus and dump device.
Wireless communication terminal be the consumer or/and trade company can legal operation hardware device, be mobile phone, Personal Handyphone System, palm PC, portable computer, PC or computer server system, and every other hand-held, vehicle-mounted and EMBEDDED AVIONICS;
Wireless forwarding server is the hardware device that is arranged in the bank network environment;
Communication apparatus is the SMS equipment that carries out data transmission between wireless communication terminal and the unlimited forwarding server, be SIM card, note cat or note cat pond, and all can receive and dispatch the wireless telecommunications hardware of note;
Dump device is to be arranged in to carry out in the bank network environment synchronously or the memory device of async backup server communication daily record, is magnetic tape station, CD writer or disk array.
The present invention has following beneficial effect:
(1) can carry out the large-scale consumption and payment of socialization transaction and crown all the payment environment, because the transaction cost of wireless communication terminal very low (for example only needing a mobile phone or Personal Handyphone System to utilize the function of its transmitting-receiving note), and at present domestic cellphone subscriber is that unit calculates with hundred million, considerably beyond holding bank card and the number of users that can login INTERNET;
(2) the generous proper full screen menu of interface display, simple and clear button are or/and touch manner, make the consumer needn't use traditional short message receiving-transmitting interface, more need not input or spell a letter or Chinese character, the one-handed performance custom that meets mobile phone and Personal Handyphone System consumer is fit to vast low-cost social consumption and pays colony's use very much;
(3) the SMS service price that provides of Virtual network operator is cheap (sends 0.10 a yuan/bar (in the net), 0.15 unit/bar (net is outer)), the consumer finishes each consumption and payment only need send two (do not comprise just dashing and conclude the business with repeating transmission) notes (after forming industrial scale, this expense can be digested by bank and trade company), and trade company is just in the first stage of construction investment buying (after forming industrial scale, this expense can be digested by bank) or the existing wireless communication terminal that reuses, in office what is the need the expense need not initiatively to send any note in the payment transaction, operation cost is zero, and the socialization that is fit to very much system is popularized;
(4) need not to insert INTERNET, effectively shield hacker's risk, reduce consumer's use cost;
(5) need not with the unique identification of wireless communication terminal (as mobile phone SIM card number, mobile phone IMSI (SIM card string number) number, mobile phone IMEI (international mobile identity recognition number) number, CPU (central processing unit) sequence number, HARDDISK (hard disk) sequence number, NETCARD (network interface card) physical address etc.) binds and puts on record, even the consumer has lost wireless communication terminal, its account information that is used for consumption and payment also can not be revealed;
(6) the SMS service that provides of Virtual network operator is the point-to-point short reliable transmission that connects, and the hacker is almost nil by the possibility of intercepting and capturing the note data bag and crack! Significantly reduced the data transmission risk;
(7) be used for that MD5 coding, DES encryption and decryption, CRC32 verification and PACK, UNPACK Compress softwares use obscure sign indicating number, key, check matrix and compression algorithm all actual pay conclude the business before by server dynamically, disposable generation and send client to, the hacker get access to correct communication data packets by illegal means and the possibility that cracks almost nil! Significantly reduced the payment transaction risk;
(8) the automatic retransmission mechanism of consumer's client and automatic unusual transaction obstruction formation towards positive mechanism and server, guaranteed that every payment transaction that same consumer's client initiates can be carried out by order reliably and inverted sequence is cancelled, significantly improved accuracy, the reliability and stability of system;
(9) C/S (client/server) framework of system's employing makes that whole transaction flow is simple, clear logic, and the Payment Request access way of point-to-point answer-mode, has significantly improved the transaction handling capacity of system;
(10) system does not change the feature of the inner payment platform of existing bank, and the layout that makes bank can finish system in the short as far as possible construction cycle is gone into operation.
Description of drawings
Fig. 1 is a structural representation of the present invention.
Fig. 2 is the transaction flow figure of consumer socialization zero-cash payment.
Fig. 3 is the process flow diagram of consumer's client software.
Fig. 4 is the process flow diagram of trade company's client software.
Fig. 5 is the process flow diagram of server software.
Fig. 6 is the process flow diagram of payment interface.
Embodiment
Referring to shown in Figure 1, the system of a kind of consumer socialization zero-cash payment of the present invention, the relay 003 that comprises consumer devices 001, trade company's device 002, gets in touch with consumer devices and trade company's device, the payment mechanism 004 of getting in touch with relay, described payment mechanism is the inner payment platform 109 of bank, which is provided with payment interface 108, is bank's on-line operation, safe and reliable, mature and stable payment system;
Described consumer devices 001 is a wireless communication terminal 101, which is provided with consumer's client 105 and communication apparatus 103; The consumer uses this device to initiate consumption and payment and receives the success of this consumption and payment or the execution result of failure.
Described trade company device 002 also is a wireless communication terminal 101, which is provided with trade company's client 106 and communication apparatus 103, trade company uses 001 pair of the consumer devices of this device reception server 107 distribution synchronously oneself to initiate the execution result of the success of consumption and payment.
Described relay 003 is wireless forwarding server 102, which is provided with server 107, communication apparatus 103 and dump device 104.
Wireless communication terminal 101 are consumers or/and trade company can legal operation hardware device, be mobile phone, Personal Handyphone System, palm PC, portable computer, PC or computer server system, and every other hand-held, vehicle-mounted and EMBEDDED AVIONICS;
Wireless forwarding server 102 is the hardware devices that are arranged in the bank network environment;
Communication apparatus 103 is the SMS equipment that carries out data transmission between wireless communication terminal 101 and the unlimited forwarding server 102, be SIM card, note cat or note cat pond, and all can receive and dispatch the wireless telecommunications hardware of note;
Dump device 104 is to be arranged in to carry out in the bank network environment synchronously or the memory device of async backup server 107 communication daily records, is magnetic tape station, CD writer or disk array.
Referring to Fig. 3 and Fig. 4, consumer's client 105 and trade company's client 106 are mounted in 101 li of wireless communication terminals makes can normally pay transaction and trade company of consumer can normally monitor the software systems of the payment transaction of oneself accepting;
Referring to Fig. 5, server 107 be mounted in 102 li of wireless forwarding servers make communication data packets safety, stable, efficiently between consumer's client 105 and payment interface 108 transmission and can be synchronously to the software systems of the payment response of consumer's client 105 and trade company's client 106 distribution " consumption and payment " Transaction Success;
Referring to Fig. 6, payment interface 108 is that open one group of payment transaction function of calling the inner payment platform 109 of bank for server 107 is authorized by bank.
Wireless forwarding server 102, communication apparatus 103, server 107 and dump device 104 have been formed the relay 003 that comes the transmission back transaction data package in the system between consumer's client 105, trade company's client 106 and payment interface 108.
Wherein, the Payment Request that the consumer uploads is used this relay to be transferred to payment interface 108 and is carried out real process of exchange, and the payment response that payment interface passes for 108 times uses this relay to be transferred in consumer devices 001 and the trade company's device 002.This relay can be saved in the dump device 104 of self after finishing every payment transaction or in the task scheduling at night every day automatically synchronously or asynchronously according to keeper's setting.
The inner payment platform 109 of payment interface 108 and bank has been formed the payment mechanism 004 in the system.
Wherein, payment interface 108 is the inner payment platform 109 open one group of payment transaction function of giving relay 003 of bank, comprises consumption and payment, inquiry into balance and modification password.The result that the funcall that payment interface 108 is imported into according to relay 003, the inner payment platform 109 of indication bank carry out the corresponding business operation and the inner payment platform 109 of bank is carried out transaction spreads out of to relay 003.
The method of a kind of consumer socialization zero-cash payment of the present invention may further comprise the steps:
The first step, client is installed: the receiver module of the payment module of consumer's operation and trade company's monitoring is written as the independently software of consumer's client 105 and the software of trade company's client 106 respectively, is installed to the wireless communication terminal 101 that consumer and trade company can carry out legal operation by bank's authorization;
Second step, deploying servers: can receive Payment Request from consumer's client 105, send payment response and call the forwarding module that payment interface 108 finishes payment transaction at the inner payment platform 109 of bank to consumer's client and trade company's client and be written as the independently software of server 107, and be arranged under the security clearance of bank on the wireless forwarding server 102 that bank can carry out safety control;
In the 3rd step, send Payment Request: the consumer sends Payment Request in operation consumer client 105 on the wireless communication terminal 101 to the server 107 that resides on the wireless forwarding server 102;
In the 4th step, transmit Payment Request: server 107 is transmitted to payment interface 108 with the Payment Request that receives;
In the 5th step, return payment result: payment interface 108 is finished payment transaction, and payment result is returned to server 107;
In the 6th step, transmit payment response: the transaction results that server 107 returns according to payment interface 108, distribute different payment response synchronously and give consumer's client 105 and trade company's client 106.
Consumer's client 105 in the first step possesses past server 107 and sends transaction request and receive transaction results from server 107, and the function of complete monitoring transaction track, the friendly interface that also possesses the full screen menu operation, function choosing-item comprise consumption and payment, query the balance, revise password;
Trade company's client 106 possesses from server 107 reception transaction results, and the function of complete monitoring transaction details, also possesses the friendly interface of full screen menu operation, and function choosing-item comprises trade company's monitoring;
The professional input item of consumption and payment comprises trade company's numbering, payment, payment account, payment cipher;
The professional input item that queries the balance comprises payment account, password for inquiry;
Revising the professional input item of password comprises payment account, old payment cipher, new payment cipher, confirms new payment cipher;
Trade company's monitoring business output item comprises exchange hour, trade company's numbering, payment account, payment, payment Currency Type, remarks explanation;
Trade company numbering is enterprise or individual at the bankbook number of authorized bank, debit card number, credit card number, credit number, to public account number, virtual account number (bank is in order to improve Account Security or to satisfy the demand of inter-bank account transfer, unique account's sign that true account number mapping is formed);
Payment account is the consumer at the bankbook number of authorized bank, debit card number, credit card number, credit number, to public account number, virtual account number;
All kinds of payment ciphers are bank regulation and payment account funds transaction passwords one to one;
Password for inquiry is bank's regulation and the non-one to one funds transaction password of payment account;
All kinds of passwords are the person identification authority of forms such as literal, fingerprint, voice or cornea;
Exchange hour is accurate to nanosecond, and form is: YYYY-MM-DD hh:mm:ss.uuuuuu is the time that bank carries out the payment account true sale;
The remarks explanation is the extra explanation of bank to this payment transaction, (consumer sends the time of Payment Request for transaction city area code, consumption and payment timestamp, be accurate to nanosecond, form is: YYYY-MM-DDhh:mm:ss.uuuuuu) or the additional information of transaction feature such as consumer's client unique identification, be generally sky;
Bank's authorization is that sales counter is signatory, Net silver download, bluetooth communication, Infrared Transmission, medium copy or wireless communication terminal dispatch from the factory prepackage;
The communication apparatus 103 of wireless communication terminal is SIM card, note cat or note cat pond;
Consumer's client 105 is after server 107 sends out the Payment Request bag, and through the overtime payment response bag that does not also receive the server transmission, at this moment system is judged:
A. if inquiry business, consumer's client 105 is retransmitted same Payment Request bag to server 107, if the SMS network does not also recover normal communication when retransmitting number of times automatically and being zero, consumer's client 105 is just abandoned this payment transaction;
If b. be non-inquiry business, consumer's client 105 sends towards positive request package from trend server 107, if the SMS network does not also recover normal communication when being zero towards positive number of times automatically, consumer's client 105 is just abandoned this payment transaction, other modes of payments that the prompting consumer may use are concluded the business, if dash positive success, consumer's client 105 is to the Payment Request bag of server transmission Shang incomplete transaction;
All inputoutput datas of consumer's client 105 all are kept in the internal memory of dynamic assignment, delete automatically when finishing payment transaction or quitting a program, and do not preserve all data in this locality;
All input data of trade company's client 106 all are kept at local monopolizing in the temporary file, delete automatically when quitting a program, and forever do not preserve all data in this locality.
Server 107 in second step possess consumer's client 105 and trade company's client 106 synchronously distribution payment response bags, call the inner payment platforms 109 of payment interface 108 indication banks and finish payment transaction, and the function of complete monitoring, record communication daily record;
Payment Request is that consumer's client 105 is obtained the consumer after the payment transaction key element of input on the wireless communication terminal 101 of its legal operation, forms the packet of high safety by MD5 (md5-challenge) coding, DES (data encryption standards) encryption, CRC32 (32 CRC) verification and PACK (group bag) compression;
Payment response is after server 107 obtains the result that payment interface 108 returns, and by MD5 coding, des encryption, CRC32 verification and PACK compression, forms the packet of high safety;
Payment interface 108 be server 107 the developer by but be not limited to the mode software specifications that the legal business function that obtains calls from the bank aspect with bank signature confidentiality agreement, it must make consumer's client 105 of describing in the first step and all business functions of trade company's client 106 all realize legally;
The communication apparatus of wireless forwarding server 102 (103) is SIM card, note cat or note cat pond;
Server 107 is after consumer's client 105 sends out the payment response bag, and through the overtime information of sending to that does not also receive client, at this moment system is judged:
A. if inquiry business then abandons this payment response bag;
If b. be non-inquiry business, server can be put into the payment response bag unusual transaction and block formation, up to system manager's artificial treatment or receive consumer's client 105 send carry out success towards positive request package and just dash after, just block payment response bag deletion the formation that this transaction is corresponding from unusual transaction;
All inputoutput datas of server 107 all are kept in the internal memory of dynamic assignment, set and after finishing every payment transaction or in the task scheduling at night every day, to be saved in synchronously or asynchronously automatically on the dump device 104 (dump device is magnetic tape station, CD writer or disk array) that is connected with wireless forwarding server 102 according to the keeper, in this locality preservation transaction cycle all data greater than 24 hours.
" transmissions " in the 3rd step is meant that consumer's client 105 utilizes SMS that Virtual network operator provides to serve Payment Request is sent to server 107;
Virtual network operator is China Mobile, CHINAUNICOM, China Telecom or China Netcom.
" receptions " in the 4th step is meant that server 107 utilizes SMS that Virtual network operator provides to serve and obtains Payment Request from consumer's client 105; After " forwarding " was meant that server 107 is reduced into the Payment Request packet that obtains expressly by UNPACK (unpacking) decompress(ion), CRC32 verification, DES deciphering and MD5 coding, the correlation function that calls payment interface 108 again carried out the transaction processing of related service.
" finishing payment transaction " in the 5th step is meant that payment interface 108 calls according to the correlation function of server 107, and the inner payment platform 109 of indication bank is handled related service by existing service logic; " return to server " and be meant that the transaction results that payment interface 108 is handled related service with the inner payment platform 109 of bank sends server 107 to.
" forwarding " in the 6th step comprises following logic realization:
(1) after server 107 obtains the transaction results that payment interface 108 returns, its packing is formed payment response by MD5 coding, CRC32 verification, des encryption and PACK compression;
(2) if right and wrong " consumption and payment " are concluded the business, the SMS service that server 107 utilizes Virtual network operator to provide transmits the payment response of non-" consumption and payment " transaction and gives consumer's client 105;
(3) if " consumption and payment " of failure concludes the business, the SMS service that server 107 utilizes Virtual network operator to provide transmits the payment response of " consumption and payment " Fail Transaction and gives consumer's client 105;
(4) if " consumption and payment " of success concludes the business, the SMS service synchronization that server 107 utilizes Virtual network operator to provide is distributed the payment response of " consumption and payment " Transaction Success and is given consumer's client 105 and trade company's client 106.
Referring to Fig. 2, transaction flow of the present invention is as follows:
201. obtaining bank legally by various effective channels, consumer and trade company authorize;
202. consumer's client 105 is obtained server 107 dynamically, after the MD5 of disposable generation obscures sign indicating number, DES key, CRC32 check matrix and PACK compression algorithm the business function key element of oneself input is carried out safety packing processing by MD5 coding, des encryption, CRC32 verification and PACK compression, be sent to server 107;
203. server 107 according to be in 202 steps consumer's client 105 dynamically, the MD5 of disposable generation obscures sign indicating number, DES key, CRC32 check matrix and PACK compression algorithm and the Payment Request packet of reception is carried out safety unpacks processing, if find that communication data is wrong, the payment response of Returning communication mistake is given the consumer's client 105 in 202 steps, otherwise enters into step 204;
Expressly call payment interface 108 and carry out actual business processing 204. unpack the Payment Request of reduction in payment interface 108 usefulness 203 steps that server 107 is licensed according to bank, and receive the result that it returns;
205. the transaction results that the inner payment platform 109 of payment interface 108 reception banks that server 107 is licensed according to bank returns also is packaged into payment response, if Fail Transaction, the payment response of returning Fail Transaction is given the consumer's client 105 in 202 steps, otherwise enters into step 206;
206. if " consumption and payment " transaction, the payment response of returning Transaction Success is synchronously given trade company's client 106 of trade company's numbering appointment of consumer's client 105 in 202 steps and this consumer input, otherwise the payment response of only returning Transaction Success is given the consumer's client 105 in 202 steps.
Claims (10)
1, a kind of method of consumer socialization zero-cash payment may further comprise the steps:
The first step, client is installed: the receiver module of the payment module of consumer's operation and trade company's monitoring is written as the independently software of consumer's client and the software of trade company's client respectively, is installed to the wireless communication terminal that consumer and trade company can carry out legal operation by bank's authorization;
Second step, deploying servers: can receive Payment Request from consumer's client, send payment response and call the forwarding module that payment interface finishes payment transaction at the inner payment platform of bank to consumer's client and trade company's client and be written as the independently software of server, and be arranged under the security clearance of bank on the wireless forwarding server that bank can carry out safety control;
In the 3rd step, send Payment Request: the consumer sends Payment Request in operation consumer client on the wireless communication terminal to the server that resides on the wireless forwarding server;
In the 4th step, transmit Payment Request: server is transmitted to payment interface with the Payment Request that receives;
In the 5th step, return payment result: payment interface is finished payment transaction, and payment result is returned to server;
In the 6th step, transmit payment response: the transaction results that server returns according to payment interface, distribute different payment response synchronously and give consumer's client and trade company's client.
2, the method for a kind of consumer socialization zero-cash payment according to claim 1, it is characterized in that: the consumer's client in the first step possesses past server and sends transaction request and receive transaction results from server, and the function of complete monitoring transaction track, the friendly interface that also possesses the full screen menu operation, function choosing-item comprise consumption and payment, query the balance, revise password;
Trade company's client possesses from server reception transaction results, and the function of complete monitoring transaction details, also possesses the friendly interface of full screen menu operation, and function choosing-item comprises trade company's monitoring.
3, the method for a kind of consumer socialization zero-cash payment according to claim 1, it is characterized in that: the server in second step possesses in consumer's client and trade company's client to be distributed the payment response bag synchronously, calls the inner payment platform of payment interface indication bank and finish payment transaction, and the function of complete monitoring, record communication daily record.
4, the method for a kind of consumer socialization zero-cash payment according to claim 1 is characterized in that: " transmissions " in the 3rd step is meant that consumer's client utilizes SMS that Virtual network operator provides to serve Payment Request is sent to server; Virtual network operator is China Mobile, CHINAUNICOM, China Telecom or China Netcom.
5, the method for a kind of consumer socialization zero-cash payment according to claim 1 is characterized in that: " receptions " in the 4th step is meant that SMS that the server by utilizing Virtual network operator provides serves and obtains Payment Request from consumer's client; After " forwarding " was meant that server is reduced into the Payment Request packet that obtains expressly by UNPACK decompress(ion), CRC32 verification, DES deciphering and MD5 coding, the correlation function that calls payment interface again carried out the transaction processing of related service.
6, the method for a kind of consumer socialization zero-cash payment according to claim 1, it is characterized in that: " the finishing payment transaction " in the 5th step is meant that payment interface calls according to the correlation function of server, and the inner payment platform of indication bank is handled related service by existing service logic; " return to server " and be meant that the transaction results that payment interface is handled related service with the inner payment platform of bank sends server to.
7, the method for a kind of consumer socialization zero-cash payment according to claim 1 is characterized in that: " forwarding " in the 6th step comprises following logic realization:
(1) after server obtains the transaction results that payment interface returns, its packing is formed payment response by MD5 coding, CRC32 verification, des encryption and PACK compression;
(2) if right and wrong " consumption and payment " are concluded the business, the SMS service that the server by utilizing Virtual network operator provides transmits the payment response of non-" consumption and payment " transaction and gives consumer's client;
(3) if " consumption and payment " of failure concludes the business, the SMS service that the server by utilizing Virtual network operator provides transmits the payment response of " consumption and payment " Fail Transaction and gives consumer's client;
(4) if " consumption and payment " of success concludes the business, the payment response of SMS service synchronization distribution " consumption and payment " Transaction Success that the server by utilizing Virtual network operator provides is given consumer's client and trade company's client.
8, a kind of system of consumer socialization zero-cash payment, the relay that comprises consumer devices, trade company's device, gets in touch with consumer devices and trade company's device, the payment mechanism of getting in touch with relay, described payment mechanism is the inner payment platform of bank, which is provided with payment interface, it is characterized in that:
Described consumer devices is a wireless communication terminal, which is provided with consumer's client and communication apparatus;
Described trade company device is a wireless communication terminal also, which is provided with trade company's client and communication apparatus;
Described relay is wireless forwarding server, which is provided with server, communication apparatus and dump device.
9, the system of described a kind of consumer socialization zero-cash payment according to Claim 8, it is characterized in that: described wireless communication terminal be the consumer or/and trade company can legal operation hardware device, be mobile phone, Personal Handyphone System, palm PC, portable computer, PC or computer server system, and every other hand-held, vehicle-mounted and EMBEDDED AVIONICS;
Described wireless forwarding server is the hardware device that is arranged in the bank network environment.
10, the system of described a kind of consumer socialization zero-cash payment according to Claim 8, it is characterized in that: described communication apparatus is the SMS equipment that carries out data transmission between wireless communication terminal and the unlimited forwarding server, is SIM card, note cat or note cat pond;
Described dump device is to be arranged in to carry out in the bank network environment synchronously or the memory device of async backup server communication daily record, is magnetic tape station, CD writer or disk array.
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| CNA2009101039436A CN101567110A (en) | 2009-05-26 | 2009-05-26 | Consumer socialization zero-cash payment method and system |
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| CN101730023A (en) * | 2009-12-07 | 2010-06-09 | 中信银行股份有限公司 | Method and system for payment by using short messages |
| CN102542691A (en) * | 2011-12-31 | 2012-07-04 | 武汉银讯科技发展有限公司 | Method and system for realizing bank card transaction between mobile phones in point-to-point way |
| CN102855559A (en) * | 2012-08-14 | 2013-01-02 | 广东汇卡商务服务有限公司 | Asynchronous terminal delivery transaction payment system and method |
| WO2016173056A1 (en) * | 2015-04-30 | 2016-11-03 | 深圳市银信网银科技有限公司 | Payment system based on shared funds-management server, and method, device and server therefor |
| CN106228367A (en) * | 2016-07-27 | 2016-12-14 | 北京奇虎科技有限公司 | The method and apparatus of payment verification |
| CN107369014A (en) * | 2016-05-12 | 2017-11-21 | 银联数据服务有限公司 | A kind of prepaid card method of payment, network payment platform and prepaid card systems |
| WO2018028011A1 (en) * | 2016-08-10 | 2018-02-15 | 西安艾润物联网技术服务有限责任公司 | Method for charge settlement and vehicle-mounted terminal |
| CN109102275A (en) * | 2011-02-18 | 2018-12-28 | 哈瑞克思信息科技公司 | Card settling account system and relay and its card clearing assisted method |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN101730023A (en) * | 2009-12-07 | 2010-06-09 | 中信银行股份有限公司 | Method and system for payment by using short messages |
| CN109102275A (en) * | 2011-02-18 | 2018-12-28 | 哈瑞克思信息科技公司 | Card settling account system and relay and its card clearing assisted method |
| CN102542691A (en) * | 2011-12-31 | 2012-07-04 | 武汉银讯科技发展有限公司 | Method and system for realizing bank card transaction between mobile phones in point-to-point way |
| CN102542691B (en) * | 2011-12-31 | 2013-09-18 | 武汉银讯科技发展有限公司 | Method for realizing bank card transaction between mobile phones in point-to-point way |
| CN102855559A (en) * | 2012-08-14 | 2013-01-02 | 广东汇卡商务服务有限公司 | Asynchronous terminal delivery transaction payment system and method |
| WO2016173056A1 (en) * | 2015-04-30 | 2016-11-03 | 深圳市银信网银科技有限公司 | Payment system based on shared funds-management server, and method, device and server therefor |
| CN107369014A (en) * | 2016-05-12 | 2017-11-21 | 银联数据服务有限公司 | A kind of prepaid card method of payment, network payment platform and prepaid card systems |
| CN106228367A (en) * | 2016-07-27 | 2016-12-14 | 北京奇虎科技有限公司 | The method and apparatus of payment verification |
| WO2018028011A1 (en) * | 2016-08-10 | 2018-02-15 | 西安艾润物联网技术服务有限责任公司 | Method for charge settlement and vehicle-mounted terminal |
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