CN103136881B - Method of payment and payment system - Google Patents
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- CN103136881B CN103136881B CN201110377072.4A CN201110377072A CN103136881B CN 103136881 B CN103136881 B CN 103136881B CN 201110377072 A CN201110377072 A CN 201110377072A CN 103136881 B CN103136881 B CN 103136881B
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- 238000012011 method of payment Methods 0.000 title abstract 3
- 238000000034 method Methods 0.000 claims description 17
- 238000004364 calculation method Methods 0.000 claims description 10
- 238000012795 verification Methods 0.000 claims description 5
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- 101000934888 Homo sapiens Succinate dehydrogenase cytochrome b560 subunit, mitochondrial Proteins 0.000 description 1
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Abstract
Disclosure method of payment and payment system, generate dynamic password based on smart card and substitute the reservation number method of payment without card as the payment authentication factor。It is higher that dynamic password adopts reliable hardware to generate safety。The solution of the present invention adds Transaction Information when dynamic password generates so that tolerable mobile terminal and certificate server end time error increase but risk is not corresponding increases。The solution of the present invention avoid by with pay backstage and be connected and obtain dynamic password, it is possible to shortening waiting time and prevent connection from makeing mistakes, improve payment speed and success rate。
Description
Technical Field
The present invention relates to mobile payment technology, and more particularly, to a payment method and a payment system for a smart card based on a mobile terminal.
Background
At present, a mobile phone reservation card-free payment scheme adopts a service mode of reservation before payment, and the service mode uses a reservation code as a dynamic authentication code. In one prior art scheme, a user uses mobile phone client software to select a bank card account and input a reserved amount when making a reservation, and connects a payment background to obtain a reservation code of generally 6 bits; and then, payment operation is carried out by inputting payment amount, mobile phone number, reservation code and payment password on the POS terminal.
However, the above solutions have some disadvantages. For example, the subscription number needs to be obtained after being connected to the payment backend. Due to the difference of data network signals, the acquisition of the subscription number usually requires several tens of seconds or even several minutes of waiting time, and is not suitable for the process of making the subscription operation at the time of payment or wishing to complete the payment operation as soon as possible. For another example, where the mobile network quality is poor, the latency of obtaining the subscription code in connection with the payment backend may be long and the success rate is not high. As another example, there is a certain security risk in acquiring the subscription code through a web or short message mode, and the subscription code may leak from the channel. For another example, the subscription mode requires binding a mobile phone number, and when the mobile phone number is changed, the binding is required again.
Disclosure of Invention
To solve one or more of the above problems, the present invention provides a payment system, comprising: the system comprises a smart card, a mobile terminal, an authentication terminal and an authentication server, wherein the smart card is electrically coupled with the mobile terminal, and the authentication terminal is connected with the authentication server through a network;
the smart card is configured to generate a first dynamic code based on a first authentication factor according to instructions from the mobile terminal,
the authentication terminal is configured to transmit the first dynamic code to the authentication server,
the authentication server is configured to generate a second dynamic code based on a second authentication factor and, from the first dynamic code and the second dynamic code, determine whether to perform a payment operation,
wherein the first authentication factor and the second authentication factor both comprise transaction information.
Optionally, the mobile terminal is configured to display the first dynamic code generated by the smart card or to transmit the first dynamic code to the authentication terminal.
Optionally, the first authentication factor further includes a smart card unique key and a current time of the mobile terminal, and the second authentication factor further includes a smart card unique key and a current time of the authentication server.
Optionally, the smart card stores a smart card number and a payment account number, the smart card being configured to associate the smart card number with one or more payment account numbers.
Optionally, the smart card is configured to perform a digest calculation from the smart card number and the payment account number to obtain the unique code.
Optionally, the mobile terminal is configured to display the unique code generated by the smart card or to transmit the unique code to the authentication terminal.
Optionally, the authentication terminal is further configured to transmit the unique code to the authentication server.
Optionally, the authentication server stores a unique code obtained by digest calculation based on the smart card number and the payment account number, association information of the smart card number and the smart card unique key, and association information of the smart card number and the payment account number, the authentication server being configured to determine the smart card number and the payment account number based on the unique code received from the authentication terminal and determine the smart card unique key and/or the payment account number based on the smart card number.
Optionally, the first authentication factor and the second authentication factor further comprise a smart card number and/or a unique code generated from the smart card number and the payment account number, respectively.
Optionally, the mobile terminal is further configured to invoke the smart card to generate said first dynamic code in dependence on the entered smart card PIN code.
Optionally, the mobile terminal is further configured to generate a menu on the screen to let the user select a payment account number associated with the smart card number.
Optionally, the authentication server is further configured to be able to set a verification-enabled offset time of the current time of the mobile terminal and the current time of the authentication server.
Optionally, the offset time is in the range of 5 minutes to 10 minutes.
Alternatively, the smart card is an SD card, a TF card, or an MMC card.
Optionally, the authentication terminal is a POS terminal.
Optionally, the transaction information is a payment amount.
The invention also provides a payment method, which is characterized by comprising the following steps:
step A: generating a first dynamic code based on a first authentication factor using a smart card;
and B: displaying the first dynamic code generated by the smart card by using a mobile terminal;
and C: sending the first dynamic code to an authentication server through an authentication terminal;
step D: generating a second dynamic code with the authentication server based on the second authentication factor,
step E: determining, by an authentication server, whether to perform a payment operation based on the first dynamic code and the second dynamic code,
wherein the first authentication factor and the second authentication factor both comprise transaction information.
Optionally, the first authentication factor further includes a smart card unique key, a current time of the mobile terminal;
the second authentication factor comprises the unique key of the intelligent card and the current time of the authentication server.
Optionally, in step a, a unique code is generated by the smart card based on the smart card number and the payment account number;
in step B, the unique code generated by the smart card is also displayed by the mobile terminal;
in step C, the unique code is sent to an authentication server by using an authentication terminal;
in step D, the authentication server determines the unique key of the smart card according to the unique code.
Optionally, the method further comprises the step of setting a deviation time of the current time of the mobile terminal and the current time of the authentication server, which can pass the verification.
Optionally, step a further includes the step of having the user select a payment account number associated with the smart card number.
Optionally, step B further comprises the step of invoking the smart card to generate said first dynamic code based on the entered smart card PIN code.
The invention provides a card-free payment method which is based on a smart card to generate a dynamic password to replace a reservation number as a payment authentication means. The dynamic password is valid only for a period of time and therefore is highly secure. Further, the invention has the advantages that the transaction information is added as the authentication parameter when the dynamic password is generated, so that the tolerable time error between the mobile terminal and the authentication server is increased, but the risk is not correspondingly increased. Furthermore, the scheme of the invention avoids acquiring the dynamic password by connecting with the payment background, can shorten the waiting time and prevent connection errors, and improves the payment speed and the payment success rate. Furthermore, the scheme of the invention generates the dynamic password based on the smart card, does not depend on the mobile terminal, and avoids the process of binding again.
Drawings
The various aspects of the present invention will become more apparent to those of ordinary skill in the art after reading the detailed description of the invention in light of the accompanying drawings. It should be understood by those skilled in the art that the drawings are designed solely for purposes of illustrating the subject technology in connection with the detailed description thereof and are not intended as a definition of the limits of the invention. Wherein,
fig. 1 is a schematic diagram of a payment system according to an embodiment of the present invention.
Fig. 2 is a flow chart diagram of a payment method according to a preferred embodiment of the present invention.
Detailed Description
Embodiments of the present invention will be described in further detail below with reference to the accompanying drawings.
As shown in fig. 1, a payment system 10 according to an embodiment of the present invention includes a smart card 11, a mobile terminal 12, an authentication terminal 13, and an authentication server 14. The smart card 11 and the mobile terminal 12 are electrically coupled, and the authentication terminal 13 and the authentication server 14 are connected via a network. Here, the smart card 11 is a card that can be an SD card, a TF card, or an MMC, and is connected to and transfers data with the mobile terminal 12 through a standard interface (e.g., an SD interface, an SDHC interface, or an MMC interface). The mobile terminal 12 may be a mobile telephone or any other mobile electronic device compatible with the smart card described above.
The smart card 11 may generate a first dynamic code according to a first authentication factor to be described below based on a predetermined algorithm according to a smart card application configured thereon. In one embodiment, the first authentication factor may be a smart card unique key K, a mobile terminal current time T1, and transaction information X. Where the smart card unique key K is stored in the smart card 11, the mobile terminal current time T1 is available from the mobile terminal 12, and the transaction information X is obtained at the consuming site. Various dynamic password standard algorithms, such as OATH standard algorithm, China's cryptographic algorithm SM3 and the like, can be adopted, the unique key K of the smart card, the current time T1 of the mobile terminal and the transaction information X are used as parameters to be input, and the first dynamic code Token1 is generated. As shown in the following formula:
Token1＝F(K，T1，X)
the smart card 11 may also store a smart card number and a payment account number, and may be able to associate the smart card number with one or more payment account numbers. The smart card number described herein is associated one-to-one with the smart card unique key described above. In addition, the smart card 11 may obtain a unique code by performing a digest calculation from the smart card number and a payment account number (e.g., a bank card account number) according to the smart card application configured thereon. Summary calculation is a method for mapping data blocks of an arbitrary length to a data string of a specified length, and the calculation formula is, for example, MAC ═ F (smart card number payment account), F is a known summary algorithm, such as MD5, HMAC, and the like. The unique code is used as a parameter to increase safety and convenience in transmission. It will also be appreciated by those skilled in the art that other means of communicating the smart card number and payment account number to the authentication server may be used.
In one embodiment, the mobile terminal 12 may be configured to display the first dynamic code and/or the unique code generated by the smart card 11. The user may enter the first dynamic code and/or the unique code displayed on the mobile terminal 12 into the authentication terminal 13. It will be appreciated by those skilled in the art that the first dynamic code and/or the unique code may also be transmitted to the authentication terminal 13 by other means, for example by bluetooth or infrared transmission. It will be appreciated by those skilled in the art that the smart card number and the payment account number may also be entered as direct parameters into the authentication terminal 13.
The authentication terminal 13 may be configured to transmit the above-mentioned unique code (or the smart card number and the payment account number as direct parameters), the first dynamic code, and the above-mentioned transaction information as first dynamic code generation parameters to the authentication server 14 via the network. As will be described below, the first dynamic code and the transaction information described above as parameters for generation of the first dynamic code will be used by the authentication server 14 for verification of the first dynamic code. In one embodiment, the authentication terminal 13 is a POS terminal.
The unique code obtained by performing digest calculation based on the smart card number and the payment account number, the association information between the smart card number and the smart card unique key, and the association information between the smart card number and the payment account number may be stored at the authentication server 14, so that the smart card number and the payment account number may be determined based on the unique code received from the authentication terminal 13 and the smart card unique key and/or the payment account number may be determined based on the smart card number. The authentication server 14 may be configured to generate a second dynamic code according to a second authentication factor based on the predetermined algorithm described above. The second authentication factor may include the smart card unique key K, the authentication server current time T2, and the transaction information X. Here, the smart card unique key K may be obtained by associating the determined smart card number, the authentication server current time T2 is obtained from the authentication server 14, and the above-mentioned transaction information X is transmitted from the authentication terminal. The second dynamic code Token2 is generated as shown in the following formula:
Token2＝F(K，T2，X)
the authentication server 14 may be further configured to determine whether to perform the payment operation according to the first dynamic code and the second dynamic code, for example, the authentication server 14 may compare the generated second dynamic code with the first dynamic code, and if the generated second dynamic code is the same as the first dynamic code, verify the second dynamic code, and determine to perform the payment operation. In an embodiment of the present invention, the time interval of T1 and T2 may be longer than the time error that can be tolerated between the server side and the mobile terminal in conventional solutions. That is, even if the errors of T1 and T2 are large, the present invention can round the current time by a large time interval (e.g., 10 minutes) to obtain a consistent first dynamic code and second dynamic code, thereby passing the verification. This is because the transaction information as a parameter can increase the discrimination between legitimate and malicious/illegitimate users when making payments. The transaction information may be, for example, a payment amount, a payment order number, a payment merchant, etc. In the technical solution of generating the dynamic password only by the time parameter, a large time error between the server and the mobile terminal is not allowed, because it is difficult to distinguish the second transaction of the legitimate user from the repeated use of the malicious user if a large time interval is adopted. The time interval for generating the dynamic password in the prior art is generally limited to about 1 minute, which otherwise would greatly increase the risk.
The invention also increases the security of the payment system by the following means.
In one embodiment, the mobile terminal 12 is further configured to invoke the generation of said first dynamic code by the smart card 11 in accordance with the entered smart card PIN code. When entering the wrong PIN code multiple times, the smart card can be locked to prevent malicious use by others.
In one embodiment, the first authentication factor and the second authentication factor further comprise a smart card number and/or a unique code generated from the smart card number and the payment account number.
The invention also increases the convenience of the payment system by the following means.
In one embodiment, the mobile terminal 12 is further configured to generate an on-screen menu for the user to select a payment account number associated with the smart card number.
In one embodiment, the authentication server 14 is further configured to be able to set a verification-capable offset time, e.g., 5 to 10 minutes, for the mobile terminal current time T1 and the authentication server current time T2.
Fig. 2 is a flow chart illustrating a payment method according to a preferred embodiment of the present invention.
The payment method comprises the following steps:
step A: generating a first dynamic code based on a first authentication factor using a smart card;
and B: displaying the first dynamic code generated by the smart card by using a mobile terminal;
and C: sending the first dynamic code to an authentication server through an authentication terminal; in this step, transaction information such as the payment amount may also be transmitted to the authentication server through the authentication terminal. In another embodiment, the authentication terminal may be a POS terminal. For example, the cashier may select a cardless payment for consumption at the POS and enter the transaction amount as transaction information; the user can input the card number of the smart card, the payment account number, the first dynamic code and the payment password on the POS terminal.
Step D: generating a second dynamic code with the authentication server based on the second authentication factor,
step E: determining, by an authentication server, whether to perform a payment operation based on the first dynamic code and the second dynamic code,
wherein the first authentication factor and the second authentication factor both comprise transaction information.
In one embodiment, the first authentication factor further comprises a smart card unique key, a mobile terminal current time; the second authentication factor comprises the unique key of the intelligent card and the current time of the authentication server.
In one embodiment, in step a, a unique code is also generated by the smart card based on the smart card number and the payment account number; in step B, the unique code generated by the smart card is also displayed by the mobile terminal; in step C, the unique code is sent to an authentication server by using an authentication terminal; in step D, the authentication server determines the unique key of the smart card according to the unique code. In this embodiment, the user may enter the unique code, the first dynamic code, the payment passcode on the POS terminal.
In one embodiment, the method further comprises the step of setting the deviation time of the current time of the mobile terminal and the current time of the authentication server, which can pass verification.
In one embodiment, step a further includes the step of having the user select a payment account number associated with the smart card number. For example, a user can fill in personal and account information and claim a smart card through a business outlet, and after key information such as a card number, a card validity period, an identity card number and the like is input to perform user identity validity authentication, a service can be opened and the personal and account information and the smart card are bound. This binding relationship is also stored in the smart card and the authentication server. For example, the authentication server may store a data table, record the smart card number, the smart card key, the payment account number bound to the smart card number, and the unique code obtained by performing digest calculation according to the smart card number and the payment account number.
In the scheme of the invention, the transaction information is also added into the calculation of the dynamic password, a larger time threshold value is allowed, such as 30 minutes, the probability that the same user pays the same payment amount within 30 minutes is lower, and the payment can be avoided by combining and splitting bills, so that the problems of large time threshold value and high safety risk are avoided, and the problem of poor user experience caused by login failure due to the fact that the time difference between the mobile phone time and the server time is easy to cause is also avoided.
Through the above description of the embodiments, those skilled in the art will clearly understand that the present invention may be implemented by combining software and a hardware platform, and of course, may be implemented by hardware entirely. Those skilled in the art will appreciate that various modifications and substitutions can be made to the specific embodiments of the present invention without departing from the spirit and scope of the invention. Such modifications and substitutions are intended to be included within the scope of the present invention as defined by the appended claims.
Claims (20)
1. A payment system, comprising:
the system comprises a smart card, a mobile terminal, an authentication terminal and an authentication server, wherein the smart card is electrically coupled with the mobile terminal, and the authentication terminal is connected with the authentication server through a network;
the smart card is configured to generate a first dynamic code based on a first authentication factor according to instructions from the mobile terminal,
the authentication terminal is configured to transmit the first dynamic code to the authentication server,
the authentication server configured to generate a second dynamic code based on a second authentication factor and determine whether to perform a payment operation based on the first dynamic code and the second dynamic code, wherein the first authentication factor and the second authentication factor both include transaction information,
the first authentication factor also comprises a unique key of the intelligent card and the current time of the mobile terminal, the second authentication factor also comprises a unique key of the intelligent card and the current time of the authentication server,
wherein the smart card generates the first dynamic code according to the first authentication factor based on a predetermined algorithm according to a smart card application configured thereon.
2. The system of claim 1, wherein the mobile terminal is configured to display the first dynamic code generated by the smart card or to transmit the first dynamic code to the authentication terminal.
3. The system of claim 1, wherein the smart card stores a smart card number and a payment account number, the smart card configured to associate the smart card number with one or more payment account numbers.
4. The system of claim 3, wherein the smart card is configured to obtain the unique code from a digest calculation of the smart card number and the payment account number.
5. The system of claim 4, wherein the mobile terminal is configured to display the unique code generated by the smart card or to transmit the unique code to the authentication terminal.
6. The system of claim 5, wherein the authentication terminal is further configured to transmit the unique code to the authentication server.
7. The system of claim 6, wherein the authentication server stores a unique code obtained by digest calculation from the smart card number and the payment account number, association information of the smart card number and the smart card unique key, and association information of the smart card number and the payment account number, the authentication server being configured to determine the smart card number and the payment account number from the unique code received from the authentication terminal and to determine the smart card unique key and/or the payment account number from the smart card number.
8. The system of claim 4, wherein the first authentication factor and the second authentication factor further comprise a smart card number and/or a unique code generated from the smart card number and the payment account number, respectively.
9. The system of claim 1, wherein the mobile terminal is further configured to invoke the smart card to generate the first dynamic code based on an entered smart card PIN code.
10. The system of claim 3, wherein the mobile terminal is further configured to generate a menu on the screen for the user to select a payment account number associated with the smart card number.
11. The system of claim 3, wherein the authentication server is further configured to enable setting a verifiable offset time for the mobile terminal current time and the authentication server current time.
12. The system of claim 11, wherein the offset time is in a range of 5 minutes to 10 minutes.
13. The system of claim 1, wherein the smart card is an SD card, a TF card, or an MMC card.
14. The system of claim 1, wherein the authentication terminal is a POS terminal.
15. The system of claim 1, wherein the transaction information is a payment amount.
16. A payment method, comprising the steps of:
step A: generating a first dynamic code based on a first authentication factor using a smart card;
and B: displaying the first dynamic code generated by the smart card by using a mobile terminal;
and C: sending the first dynamic code to an authentication server through an authentication terminal;
step D: generating a second dynamic code with the authentication server based on the second authentication factor,
step E: determining, by an authentication server, whether to perform a payment operation based on the first dynamic code and the second dynamic code,
wherein the first authentication factor and the second authentication factor both include transaction information,
wherein the first authentication factor further comprises a unique key of the smart card and the current time of the mobile terminal, the second authentication factor further comprises a unique key of the smart card and the current time of the authentication server,
wherein the smart card generates the first dynamic code according to the first authentication factor based on a predetermined algorithm according to a smart card application configured thereon.
17. The method of claim 16,
in the step A, generating a unique code by using the smart card based on the smart card number and the payment account number;
in step B, the unique code generated by the smart card is also displayed by the mobile terminal;
in step C, the unique code is sent to an authentication server by using an authentication terminal;
in step D, the authentication server determines the unique key of the smart card according to the unique code.
18. The method of claim 16, further comprising the step of setting a deviation time of the current time of the mobile terminal and the current time of the authentication server that can pass the verification.
19. The method of claim 16 wherein step a further comprises the step of having the user select a payment account number associated with the smart card number.
20. The method of claim 16, wherein step B further comprises the step of invoking the smart card to generate the first dynamic code based on the entered smart card PIN code.
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| CN201110377072.4A CN103136881B (en) | 2011-11-22 | 2011-11-22 | Method of payment and payment system |
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| CN201110377072.4A CN103136881B (en) | 2011-11-22 | 2011-11-22 | Method of payment and payment system |
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| CN104899741B (en) * | 2014-03-05 | 2018-11-27 | 中国银联股份有限公司 | A kind of on-line payment method and on-line payment system based on IC bank card |
| CN106503774B (en) * | 2016-10-28 | 2023-06-20 | 中国工商银行股份有限公司 | Smart chip card and card-less payment system |
| CN107707359B (en) * | 2017-11-09 | 2021-07-06 | 上海众人网络安全技术有限公司 | Method and device for checking electronic cipher device |
| CN114553445A (en) * | 2020-11-10 | 2022-05-27 | 腾讯科技（深圳）有限公司 | Equipment method, device, electronic equipment and readable storage medium |
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| CN101599192A (en) * | 2009-04-24 | 2009-12-09 | 北京华大智宝电子系统有限公司 | Realize the method for security guard of bank card |
| CN102054258A (en) * | 2010-12-16 | 2011-05-11 | 中国建设银行股份有限公司 | Electronic bank safety certificating method and system based on mobile equipment |
| CN102186169A (en) * | 2010-04-30 | 2011-09-14 | 北京华大智宝电子系统有限公司 | Identity authentication method, device and system |
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| JP3846289B2 (en) * | 2001-11-28 | 2006-11-15 | 日本電気株式会社 | Authentication system, device used, mobile terminal, and authentication method used for them |
| KR101318958B1 (en) * | 2010-05-06 | 2013-10-29 | (주)시루정보 | Method for payment service and device mobile communication terminal and transaction terminal |
| CN102202300B (en) * | 2011-06-14 | 2016-01-20 | 上海众人网络安全技术有限公司 | A kind of based on twin-channel dynamic cipher authentication system and method |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN101599192A (en) * | 2009-04-24 | 2009-12-09 | 北京华大智宝电子系统有限公司 | Realize the method for security guard of bank card |
| CN102186169A (en) * | 2010-04-30 | 2011-09-14 | 北京华大智宝电子系统有限公司 | Identity authentication method, device and system |
| CN102054258A (en) * | 2010-12-16 | 2011-05-11 | 中国建设银行股份有限公司 | Electronic bank safety certificating method and system based on mobile equipment |
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