CN103903367A - Method and system for loading-in-air of financial IC card embedded into mobile terminal - Google Patents
Method and system for loading-in-air of financial IC card embedded into mobile terminal Download PDFInfo
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- CN103903367A CN103903367A CN201210585046.5A CN201210585046A CN103903367A CN 103903367 A CN103903367 A CN 103903367A CN 201210585046 A CN201210585046 A CN 201210585046A CN 103903367 A CN103903367 A CN 103903367A
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Abstract
The invention relates to a method and a system for loading-in-air of a financial IC card embedded into a mobile terminal, and belongs to the field of mobile payment. According to the method of the invention, an existing system for banks is accessed in a POS terminal mode; a PIN transcryption protection key and a communication message MAC computing key in the loading-in-air process are acquired in a way in which a loading-in-air server and a short message center platform sign in and out of the existing banking system; and signing-in and signing-out are performed regularly to enable a working key to be dynamically updated at each signing-in. By adopting the method and the system of the invention, loading of a financial IC card embedded into a mobile terminal can be realized without adding or changing the existing system and services of banks, dependence on implantation and transformation of the mobile terminal is removed, the existing system for banks does not need to be transformed and updated, and high safety of financial IC card transactions is ensured.
Description
Technical field
The invention belongs to mobile payment, IC-card, financial field, be specifically related to a kind of financial IC card space transference method and system that is embedded into mobile terminal.
Background technology
Rapidly, on market, there is some mobile payment products and space transference system in the development of mobile payment in recent years.Mobile payment, also referred to as mobile-phone payment, allows user to use its mobile terminal (normally mobile phone) consumed commodity or service to be carried out to a kind of method of service of account payment exactly.Unit or individual by mobile device, internet or closely sensing directly or indirectly send payment instruction to bank finance mechanism and produce monetary payoff and capital transfer behavior, thereby realize mobile payment function.Mobile payment is merged terminal device, internet, application provider and financial institution mutually, for user provides the financial business such as monetary payoff, payment.Mobile payment is mainly divided near field and pays and two kinds of remote payments, the payment of so-called near field, exactly with the mode of mobile phone card-brushing by bus, do shopping etc., very convenient.Remote payment refers to: by the modes of payments that sends payment instruction (as Net silver, telephone bank, mobile-phone payment etc.) or undertaken by the means of payment (as by mailing, remittance), as paid electric business in the palm of releasing in the palm, in the palm, supplement with money, in the palm, video etc. belongs to remote payment.Space transference refers to the Kit by operating handset UTK/STK(SIM Tool, STK) menu or cell-phone customer terminal, use the wireless modes such as OTA or BIP and backstage payment system to communicate, complete the supplementing with money of wallet in mobile phone intelligent card, inquire about, the function such as consumption.Popular be exactly by mobile phone make a phone call, the mode such as the relevant mobile phone client software of note, OTA menu or customization enclose and deposits, the instant process that the bank card account amount of money is transferred to Mobile phone card wallet.
At present, most of mobile payment is electronic wallet/electronic passbook product, and operator is also telecom operators and city one-card company mostly.Along with the migration of China's Financial IC-card, will have more financial IC card (Integrated Circuit, integrated circuit) and be implanted in mobile terminal as electronic cash and use, existing mobile small amount payment function, has again borrow/credit card function.Bank aspect, use electronic cash to realize space transference, need to transform existed system, and mostly the mobile payment product of bank be the software application based on intelligent terminal or the module of mobile terminal is transformed at present, realizing circle by mobile terminal and deposit function.
Summary of the invention
For the defect existing in prior art, the object of this invention is to provide a kind of financial IC card space transference method and system that is embedded into mobile terminal.The method and system can solve and need not increase or transform the existing any system of bank and service newly, the financial IC card that can realize being embedded into mobile terminal encloses the problem of depositing, both do not relied on the implantation transformation of mobile terminal, exempt again any transformation and the upgrading of bank to original system, guaranteed the high security of financial IC card transaction simultaneously.
For reaching above object, the technical solution used in the present invention is: a kind of financial IC card space transference method that is embedded into mobile terminal, comprises the following steps:
With POS terminal mode access bank existing system;
By space transference server and sms center platform and existing banking system register, sign-out mode obtains that circle deposits PIN in flow process turns encipherment protection key and communication message MAC computation key;
Timing is carried out sign-out and is registered, and working key is dynamically updated at every turn in the time registering.
Further, described register/sign-out step is to be initiated and communicated with banking system by space transference server.
Described the synchronousing working between space transference server and banking system of having registered, mainly completes data synchronous working, and synchrodata comprises: working key, batch number, trade date, the important informations such as exchange hour.
The conversion of described sign-out completion system from normal operating conditions to sign-out state, sign-out rear system need to again be registered and could be worked, space transference server moment morning every day automatically performs sign-out and registers, each like this by the dynamic information such as working key, batch number of changing of registering, guarantee the high security of transaction.
Further, when space transference startup of server, will automatically start the flow process of registering, if it is unsuccessful to register, space transference server continues to carry out the task of registering after a while, until register successfully;
Following situation space transference server can be registered again, while again registering, first carries out sign-out operation, then carries out and register:
1) replying code value from banking system returned packet is PIN form mistake or MAC verification mistake;
2) the response message MAC of space transference server verification bank value is made mistakes.
Further, circle is deposited in flow process, user selects corresponding STK menu, input circle to deposit the PIN password of the bank account of the amount of money and binding at mobile terminal, send circle with short message mode and deposit request, a circle is deposited three short message interactings that transaction comprises IC-card and space transference server altogether, a data communication of space transference server and banking system.
Further, circle is deposited in flow process, deposits and confirms when note when space transference server receives card circle, and issue and confirm response, circle is deposited closing the transaction; If card execution result is unsuccessfully in the confirmation note of sending out on card, space transference server also needs that respective transaction is initiated to punching to banking system and just operates, after bank receives punching and just asking, the circle of having withholdd is deposited to the amount of money and return back in user account, guarantee user's fund security.
A financial IC card space transference system that is embedded into mobile terminal, comprises with lower device:
Be embedded into contactless payment financial IC card and STK applying unit thereof that mobile terminal uses: for depositing response credit card issuer response data and credit card issuer script is authenticated from the request of STK menu initiation space transference, verification circle;
Sms center platform: for the reception and the forwarding that provide wireless air network to complete note;
Space transference server: for POS terminal mode access banking system, receive the request of sending out in card terminal, with the mutual finishing service processing of banking system, complete register, sign-out, circle deposits and just rushes and operate;
Banking system: IC-card request msg being authenticated and verification, carry out alternately with space transference server, complete the business such as register, sign-out, circle is just deposited, rushed, is also the funds source side of whole circle deposit system.
Effect of the present invention is: adopt method and system of the present invention, solve and need not increase or transform the existing any system of bank and service newly, the financial IC card that can realize being embedded into mobile terminal encloses the problem of depositing, both do not relied on the implantation transformation of mobile terminal, exempt again any transformation and the upgrading of bank to original system, guaranteed the high security of financial IC card transaction simultaneously.
Accompanying drawing explanation
The structural drawing of system described in Fig. 1 specific embodiment of the invention;
Fig. 2 is the space transference system state conversion schematic diagram in the specific embodiment of the invention;
Described in Fig. 3 specific embodiment of the invention, the circle of method is deposited the detail flowchart of step.
Embodiment
Below in conjunction with the drawings and specific embodiments, the invention will be further described.
As shown in Figure 1, a kind of financial IC card space transference system that is embedded into mobile terminal of the present invention, comprises with lower device:
Be embedded into contactless payment financial IC card and STK applying unit thereof that mobile terminal uses: for depositing response credit card issuer response data and credit card issuer script is authenticated from the request of STK menu initiation space transference, verification circle;
Sms center platform: the reception and the forwarding that provide wireless air network to complete note;
Space transference server: with POS(Point Of Sale) terminal mode access banking system, receive the request of sending out in card terminal, with the mutual finishing service processing of banking system, complete register, sign-out, circle deposits and just rushes and operate;
Banking system: IC-card request msg being authenticated and verification, carry out alternately with space transference server, complete the business such as register, sign-out, circle is just deposited, rushed, is also the funds source side of whole circle deposit system.
A financial IC card space transference method that is embedded into mobile terminal, comprises the following steps:
With POS terminal mode access bank existing system;
By space transference server and sms center platform and existing banking system register, sign-out mode obtains circle and deposits PIN(Personal Identification Number in flow process, PIN (Personal Identification Number)) turn encipherment protection key and communication message MAC computation key;
Timing is carried out sign-out and is registered, and working key is dynamically updated at every turn in the time registering.
One, register/sign-out flow process
As shown in Figure 2, Fig. 2 is the state conversion schematic diagram of showing space transference system, and system only has place can process in normal operation circle to deposit request.The flow process that register/sign-out flow process is initiated, communicated with banking system by space transference server.
The synchronousing working between space transference server and banking system of having registered, mainly completes data synchronous working, and synchrodata comprises: working key, batch number, trade date, the important informations such as exchange hour.
The conversion of sign-out completion system from normal operating conditions to sign-out state, sign-out rear system need to again be registered and could be worked, space transference server moment morning every day automatically performs sign-out and registers, each like this by the dynamic information such as working key, batch number of changing of registering, guarantee the high security of transaction.
When space transference startup of server, will automatically start the flow process of registering, if it is unsuccessful to register, space transference server continues to carry out the task of registering after a while, until register successfully.
Following situation space transference server can be registered again, while again registering, first carries out sign-out operation, then carries out and register:
1) replying code value from banking system returned packet is PIN form mistake or MAC(Message Authentication Code, message authority code) verification mistake;
2) the response message MAC of space transference server verification bank value is made mistakes.
Two, circle is deposited flow process
It is to the process in financial IC card in mobile terminal by the capital transfer in user's bank account that circle is deposited.User selects corresponding STK menu, input circle to deposit the PIN password of the bank account of the amount of money and binding at mobile terminal, send circle with short message mode and deposit request, a circle is deposited three short message interactings that transaction comprises IC-card and space transference server altogether, a data communication of space transference server and banking system.
As shown in Figure 3, deposit by the circle that completes alternately the IC-card wallet based on the application of debt-credit note of IC-card and STK applying unit and space transference server, in the present embodiment, enclose the mutual detailed step of each node of depositing in flow process as follows:
1) user is from STK menu setecting application catalogue, and STK application is initiated SELECT PPSE(Proximity Payment Systems Environment, closely payment system environment to card bottom) instruction;
2) STK application is sent and is selected application AID(Application Identifier, application identities symbol to card bottom) instruction, card bottom responds by the form of debt-credit note regulation;
3) card sends circle to space transference server and deposits the up note of preparation, applies for concrete PDOL data (Processing Options Data Object List, the list of Treatment Options data object);
4) space transference server returns to PDOL data to card according to short message communication agreement, comprises the information such as trade date, exchange hour of obtaining from banking system in the response of registering in PDOL data;
5) card application initializes operation.In application initializes is processed, STK application sends GET PROCESSING OPTIONS order and starts to card notice card transaction processing.In order, terminal offers the data element that card is asked in Treatment Options data object list (PDOL).Order corresponding information comprises: AIP and AFL, AIP(Application Interchange Profile, application interaction feature) list the function that transaction is carried out in processing procedure; AFL(Application File Locator, application file steady arm) list the deposit data that transaction need to read short file identifier, recording mechanism, record the deposit position of the static signature data that number and offline data authentication need;
6) STK application read data (Read Record instruction);
7) offline data authentication is carried out in STK application, produces ARQC(Authorization Request Cryptogram, authorization requests ciphertext), represent log-in mandate;
8) card tissue circle is deposited and is asked up note to mail to space transference server;
9) space transference server is under working key protection, tissue is based on PBOC(People ' s Bank of China, People's Bank of China) debt-credit note small amount payment circle deposit request message to banking system, banking system completes withholds, and issue ARPC(Authorization Response Cryptogram, authorization response ciphertext);
10) card is received after downlink short message, and ARPC is carried out to external authentication, the Exactly-once external authentication of once concluding the business;
11) card is carried out Article 2 Generate AC instruction (Generate AC instruction is carried out twice at most in once concluding the business), this time carry out, the application cryptogram type generating is-certificate of fair (TC, Transaction Certificate) to represent approval transaction;
12) STK application sends remaining sum in PUT DATA modifying of order card;
13) on card, headband is deposited confirmation note, and the result of notice card is to space transference server;
14) under space transference server, headband is deposited confirmation response note, and a circle is deposited closing the transaction.
Three, rush positive flow process
Circle is deposited in flow process, deposits and confirms when note when space transference server receives card circle, and issue and confirm response, circle is deposited closing the transaction; If card execution result is unsuccessfully in the confirmation note of sending out on card, space transference server also needs that respective transaction is initiated to punching to banking system and just operates, after bank receives punching and just asking, the circle of having withholdd is deposited to the amount of money and return back in user account, guarantee user's fund security.
According to above-described embodiment, can find out the present invention
realizeboth do not rely on the implantation transformation of mobile terminal, exempted again any transformation and the upgrading of bank to original system, guaranteed the high security of financial IC card transaction simultaneously.Therefore, the present invention can supplement user whenever and wherever possible with money for the financial IC card in mobile terminal, avoided the trouble of going to business hall or supplementing POS site with money; The present invention can the existing banking system of seamless access, without upgrading with transform existing banking system and can realize mobile payment, will promote the development of financial IC card in mobile payment industry.
It will be understood by those skilled in the art that method and system of the present invention is not limited to the embodiment described in embodiment, specific descriptions are above just in order to explain object of the present invention, not for limiting the present invention.Those skilled in the art's technical scheme according to the present invention draws other embodiment, belongs to equally technological innovation scope of the present invention, and protection scope of the present invention is limited by claim and equivalent thereof.
Claims (10)
1. a financial IC card space transference method that is embedded into mobile terminal, comprises the following steps:
With POS terminal mode access bank existing system;
By space transference server and sms center platform and existing banking system register, sign-out mode obtains that circle deposits PIN in flow process turns encipherment protection key and communication message MAC computation key;
Timing is carried out sign-out and is registered, and working key is dynamically updated at every turn in the time registering.
2. a kind of financial IC card space transference method that is embedded into mobile terminal as claimed in claim 1, is characterized in that: described registering/sign-out step is to be initiated and communicated with banking system by space transference server.
3. a kind of financial IC card space transference method that is embedded into mobile terminal as claimed in claim 2, it is characterized in that: described the synchronousing working between space transference server and banking system of having registered, mainly complete data synchronous working, synchrodata comprises: working key, batch number, trade date, the important informations such as exchange hour.
4. a kind of financial IC card space transference method that is embedded into mobile terminal as claimed in claim 2, it is characterized in that: the conversion of described sign-out completion system from normal operating conditions to sign-out state, sign-out rear system need to again be registered and could be worked, space transference server moment morning every day automatically performs sign-out and registers, each like this by the dynamic information such as working key, batch number of changing of registering, guarantee the high security of transaction.
5. a kind of financial IC card space transference method that is embedded into mobile terminal as claimed in claim 2, it is characterized in that: when space transference startup of server, will automatically start the flow process of registering, if it is unsuccessful to register, space transference server continues to carry out the task of registering after a while, until register successfully;
Following situation space transference server can be registered again, while again registering, first carries out sign-out operation, then carries out and register:
1) replying code value from banking system returned packet is PIN form mistake or MAC verification mistake;
2) the response message MAC of space transference server verification bank value is made mistakes.
6. a kind of financial IC card space transference method that is embedded into mobile terminal as claimed in claim 1, it is characterized in that: circle is deposited in flow process, user selects corresponding STK menu, input circle to deposit the PIN password of the bank account of the amount of money and binding at mobile terminal, send circle with short message mode and deposit request, a circle is deposited three short message interactings that transaction comprises IC-card and space transference server altogether, a data communication of space transference server and banking system.
7. a kind of financial IC card space transference method that is embedded into mobile terminal as claimed in claim 6, it is characterized in that, circle is deposited in flow process, the circle that completes alternately the IC-card wallet based on the application of debt-credit note by IC-card and STK applying unit and space transference server is deposited, and the mutual method of each node comprises the steps:
1) user is from STK menu setecting application catalogue, and STK application is initiated SELECTPPSE instruction to card bottom;
2) instruction of selecting application AID is sent in STK application to card bottom, and card bottom is by the form response of debt-credit note regulation;
3) card sends circle to space transference server and deposits the up note of preparation, applies for concrete PDOL data;
4) space transference server returns to PDOL data to card according to short message communication agreement, comprises trade date, the exchange hour information in the response of registering, obtained from banking system in described PDOL data;
5) card application initializes operation;
6) STK application read data;
7) offline data authentication is carried out in STK application, produces authorization requests ciphertext, represents log-in mandate;
8) card tissue circle is deposited and is asked up note to mail to space transference server;
9) space transference server is under working key protection, and the debt-credit note small amount payment circle of tissue based on PBOC deposited request message to banking system, and banking system completes withholds, and issues authorization response ciphertext;
10) card is received after downlink short message, and ARPC is carried out to external authentication, the Exactly-once external authentication of once concluding the business;
11) card is carried out Article 2 Generate AC instruction, this time carries out, and the application cryptogram type of generation be-certificate of fair, represents approval transaction, and Generate AC instruction is twice of execution at most in transaction once;
12) STK application sends remaining sum in PUT DATA modifying of order card;
13) on card, headband is deposited confirmation note, and the result of notice card is to space transference server;
14) under space transference server, headband is deposited confirmation response note, and a circle is deposited closing the transaction.
8. a kind of financial IC card space transference method that is embedded into mobile terminal as claimed in claim 7, it is characterized in that: in step 5), in card application initializes is processed, STK application sends GETPROCESS ING OPTIONS order and starts to card notice card transaction processing, in order, terminal offers the data element that card is asked in the list of Treatment Options data object, and order corresponding information comprises: AIP and AFL, and AIP has listed the function that transaction is carried out in processing procedure; AFL list the deposit data that transaction need to read short file identifier, recording mechanism, record the deposit position of the static signature data that number and offline data authentication need.
9. a kind of financial IC card space transference method that is embedded into mobile terminal as described in claim 1 to 8 any one, is characterized in that: circle is deposited in flow process, deposits and confirms when note when space transference server receives card circle, and issue and confirm response, circle is deposited closing the transaction; If card execution result is unsuccessfully in the confirmation note of sending out on card, space transference server also needs that respective transaction is initiated to punching to banking system and just operates, after bank receives punching and just asking, the circle of having withholdd is deposited to the amount of money and return back in user account, guarantee user's fund security.
10. a financial IC card space transference system that is embedded into mobile terminal, comprises with lower device:
Be embedded into contactless payment financial IC card and STK applying unit thereof that mobile terminal uses: for depositing response credit card issuer response data and credit card issuer script is authenticated from the request of STK menu initiation space transference, verification circle;
Sms center platform: for the reception and the forwarding that provide wireless air network to complete note;
Space transference server: for POS terminal mode access banking system, receive the request of sending out in card terminal, with the mutual finishing service processing of banking system, complete register, sign-out, circle deposits and just rushes and operate;
Banking system: IC-card request msg being authenticated and verification, carry out alternately with space transference server, complete the business such as register, sign-out, circle is just deposited, rushed, is also the funds source side of whole circle deposit system.
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| CN201210585046.5A CN103903367B (en) | 2012-12-28 | 2012-12-28 | A kind of financial IC card air storage method being embedded into mobile terminal and system |
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| CN201210585046.5A CN103903367B (en) | 2012-12-28 | 2012-12-28 | A kind of financial IC card air storage method being embedded into mobile terminal and system |
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| Publication number | Publication date |
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| CN103903367B (en) | 2016-08-31 |
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Granted publication date: 20160831 Termination date: 20211228 |