CN109034791A - Payment code method of commerce, smart card, mobile terminal and cashing machine - Google Patents
Payment code method of commerce, smart card, mobile terminal and cashing machine Download PDFInfo
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- CN109034791A CN109034791A CN201810796647.8A CN201810796647A CN109034791A CN 109034791 A CN109034791 A CN 109034791A CN 201810796647 A CN201810796647 A CN 201810796647A CN 109034791 A CN109034791 A CN 109034791A
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/326—Payment applications installed on the mobile devices
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/351—Virtual cards
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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Abstract
The application provides a kind of payment code method of commerce, smart card, mobile terminal and cashing machine.The described method includes: mobile terminal, which receives the trading instruction for carrying out cash dispenser, transaction effective time started and transaction, effectively terminates the time；Based on the trading instruction, the virtual card number of storage, the transaction effective time started and the transaction effectively termination time are encrypted to form payment code；The virtual card number is that payment code business platform issues and the digital account with the mobile terminal corresponds；The payment code is sent to the cashing machine to complete to trade.Technical solution provided by the embodiments of the present application makes user in the case where not opening cell phone application and mobile phone screen, completes payment code payment process, and it is cumbersome to solve the problems, such as that payment code uses using non-contact technology.
Description
Technical field
This application involves network trading fields, and in particular to payment code method of commerce, smart card, mobile terminal and gathering
Machine.
Background technique
With the fast development of Internet technology, barcode scanning payment in recent years has penetrated into the every aspect of our lives,
Operator especially is paid by consuming taking cities and seizing territory for scene under line using Alipay, wechat as the barcode scanning of representative, is not only occupied
The entrance consumed under various lines, even more by the use habit of user rapidly from pay in cash draw to barcode scanning pay it is this cash-free
Payment environment, while also no small convenience is brought to our life.
But popularizing with barcode scanning payment, this drawbacks of being based on barcode technology scheme and defect are also amplified rapidly,
It is various to emerge one after another for the hacker attack of barcode scanning payment and fishing fraud.On August 3rd, 2016, payment clearing association to
Payment mechanism issues " bar code payment transaction specification " (exposure draft), and payment mechanism is explicitly pointed out in opinion original text and carries out bar code industry
Business needs the safety standard followed.In addition, another drawback of barcode scanning payment is user using complex steps, it is with Alipay
Example, user carry out code barcode scanning payment by bus and at least need by following steps: opening mobile phone screen, open Alipay APP, open
Ka Bao, corresponding code by bus is opened, clicks and goes barcode scanning, code by bus could be opened by above five steps, then user also wants
Mobile phone screen alignment barcode scanning equipment can be just finally completed to the process of entire barcode scanning payment.
How to solve the above problems, find it is a kind of can not only rely on existing payment code system, but also can effectively solve to pay
Security risk existing for code and the cumbersome problem of use, are problems anxious to be resolved at present.
Apply for content
The embodiment of the present application is designed to provide payment code method of commerce, smart card, mobile terminal and cashing machine, uses
Payment code payment process is completed in the case where not opening cell phone application and mobile phone screen in family.
The embodiment of the present application provides a kind of payment code method of commerce, comprising: mobile terminal receives the friendship for carrying out cash dispenser
It easily instructs, trade effective time started and transaction effectively termination time；Based on the trading instruction, to the virtual card number of storage,
Transaction effective time started and the transaction effectively termination time encrypt to form payment code；The virtual card number
Digital account issue for payment code business platform and with the mobile terminal corresponds；The payment code is sent described in
Cashing machine is to complete to trade.
The embodiment of the present application also provides a kind of smart card, wherein the smart card is based on 2.4GHz or 13.56MHz skill
The non-contact RF ID card of art；The virtual card number of smart cards for storage；The virtual card number is used to carry out transaction payment in cashing machine,
The virtual card number is generated by payment code business platform based on the corresponding digital account of mobile terminal for installing the smart card.
The embodiment of the present application also provides a kind of mobile terminal, wherein the mobile terminal is equipped with smart card, the intelligence
Card is the non-contact RF ID card based on 2.4GHz or 13.56MHz technology；The virtual card number of smart cards for storage, the virtual card
Number for carrying out transaction payment in cashing machine, it is raw that the corresponding digital account of the mobile terminal is based on by payment code business platform
At.
The embodiment of the present application also provides a kind of mobile terminal, wherein the mobile terminal have based on 2.4GHz or
The contactless communication function of 13.56MHz technology, the mobile terminal store virtual card number, and the virtual card number is for collecting money
Machine carries out transaction payment, is based on the corresponding digital account of the mobile terminal by payment code business platform and generates.
The embodiment of the present application also provides a kind of cashing machine, wherein the cashing machine includes supporting the single-frequency of 2.4GHz is non-to connect
It touches card reader or supports at least one of the double frequency contactless card reader of 2.4GHz and 13.56MHz.
The technical solution provided by embodiments herein, makes user in the feelings for not opening cell phone application and mobile phone screen
Under condition, payment code payment process is completed, it is cumbersome to solve the problems, such as that payment code uses using non-contact technology.
Detailed description of the invention
In order to more clearly explain the technical solutions in the embodiments of the present application, make required in being described below to embodiment
Attached drawing is briefly described, it should be apparent that, the drawings in the following description are only some examples of the present application, for
For those of ordinary skill in the art, without creative efforts, it can also be obtained according to these attached drawings other
Attached drawing.
Fig. 1 is a kind of payment code method of commerce flow diagram that one embodiment of the application provides；
Fig. 2 is a kind of payment code method of commerce flow diagram that one embodiment of the application provides；
Fig. 3 is a kind of payment code method of commerce flow diagram that one embodiment of the application provides；
Fig. 4 is a kind of payment code method of commerce flow diagram that one embodiment of the application provides；
Fig. 5 is a kind of payment code method of commerce flow diagram that one embodiment of the application provides；
Fig. 6 is a kind of payment code transaction system composition schematic diagram that one embodiment of the application provides.
Specific embodiment
To keep the purposes, technical schemes and advantages of the embodiment of the present application clearer, below with reference to drawings and examples,
The specific embodiment progress of technical scheme in further detail, is clearly illustrated.However, specific implementations described below
Mode and embodiment are for illustrative purposes only, rather than the limitation to the application.It only contains the implementation of the application a part
Example, instead of all the embodiments, the other embodiments that those skilled in the art obtain the various change of the application all belong to
In the range of the application protection.
Fig. 1 is a kind of payment code method of commerce flow diagram that one embodiment of the application provides, and is included the following steps.
In step s 110, mobile terminal receives the trading instruction for carrying out cash dispenser, transaction effective time started and transaction
Effectively terminate the time.
Mobile terminal is communicated close to cashing machine, with cashing machine by the non-contact channel 2.4G or 13.56MHz, is received
Trading instruction, transaction effective time started and the transaction for carrying out cash dispenser effectively terminate the time.
Wherein, 2.4G contactless communication is RCC (Range Controlled Communications) confinement communication.
13.56MHz contactless communication is NFC (Near Field Communication) near-field communication.
In the step s 120, it is based on trading instruction, it is effective to the virtual card number of storage, transaction effective time started and transaction
The termination time encrypts to form payment code；Virtual card number is number that payment code business platform issues and with mobile terminal
Word account corresponds.
In the present embodiment, virtual card number is Token (token), is issued by payment code business platform, with mobile terminal
Digital account corresponds.Digital account includes Alipay account, wechat account etc., with the cell-phone number of mobile terminal or mailbox
At least one is associated.Virtual card number is stored in SIM card (Subscriber Identity Module, the client of mobile terminal
Identification module) or SD card (Secure Digital Memory Card, storage card) in, or if it is have be based on 2.4GHz
Or the mobile terminal of the contactless communication function of 13.56MHz technology, virtual card number are stored in the SE built in mobile terminal
In (Secure Element, safe unit).
After mobile terminal receives trading instruction, is effectively terminated to virtual card number, transaction effective time started and transaction the time
It encrypts to form payment code.
In the present embodiment, payment code is En (Token).Encipherment protection mode can be hardware encryption and be also possible to software
Encryption, hardware encryption can be hardware SE cipher mode, be not limited thereto.
In step s 130, payment code is sent to complete to trade to cashing machine.
Payment code En (Token) is sent cashing machine by mobile terminal, completes transaction.
The inventors of the present application found that the bar code of barcode scanning payment is easy fishing fraud occur by hacker attack.Together
When, user uses complex steps, and by taking Alipay as an example, user carries out code barcode scanning payment by bus and at least needs by following steps:
Mobile phone screen is opened, Alipay APP is opened, opens Ka Bao, open corresponding code by bus, click and go barcode scanning, by above five
Step could open code by bus, and then mobile phone screen alignment barcode scanning equipment can be also just finally completed entire barcode scanning and paid by user
Process.
In scheme provided in this embodiment, user need to will only be stored with virtual card without opening cell phone application and mobile phone screen
Number mobile phone close to cashing machine can be completed payment code payment, enormously simplify payment code barcode scanning payment process, and by plus
The mode of close storage efficiently solves security risk existing for payment code, improves payment safety.
Fig. 2 is a kind of payment code method of commerce flow diagram that one embodiment of the application provides, and is included the following steps.
In step s 201, mobile terminal sends digital account to payment code business platform.
Mobile terminal is communicated by mobile network with payment code business platform, and mobile terminal sends number by APP
Account is to payment code business platform.Digital account includes Alipay account, wechat account etc., cell-phone number or postal with mobile terminal
At least one of case is associated.
In step S202, the virtual card number generated based on digital account from payment code business platform is obtained.
The token service system of payment code business platform is based on digital account and generates virtual card number, virtual card number sum number word
The payment administrative system that account is sent to payment code business platform is verified.After being verified, payment administrative system is to token
Service system authorization, and the unique corresponding relation of digital account and virtual card number is established in the database, virtual card number is sent
To mobile phone.
In step S203, virtual card number is stored.
Virtual card number is stored in the SIM card or SD card of mobile terminal.2.4GHz or 13.56MHz is based on if it is having
The mobile terminal of the contactless communication function of technology, virtual card number are stored in the SE built in mobile terminal.
In step S204, the unique identification for binding virtual card number and mobile terminal forms corresponding relationship.
Mobile terminal passes through the technologies such as Bluetooth function or OMA (Open Mobile API, open mobile terminal programming interface)
The SIM card or SD card built in it, the unique identification of reading SIM card or SD card, such as ID number are connected, by the unique identification and virtually
Card number is bound, and corresponding relationship is formed.Wherein, Open Mobile API is based on Android platform for mobile phone application journey
The specification of sequence access safety module.
Mobile terminal with the contactless communication function based on 2.4GHz or 13.56MHz technology, unique identification can be with
It is the ID number of built-in SE, the unique identification and virtual card number is bound, forms corresponding relationship.It is not limited thereto.
In step S205, corresponding relationship is sent to payment code business platform.
Mobile terminal sends the corresponding relationship to payment code business platform, prepares for the transaction verification in later period.
In step S210, mobile terminal receives the trading instruction for carrying out cash dispenser, transaction effective time started and transaction
Effectively terminate the time.
In step S220, it is based on trading instruction, it is effective to the virtual card number of storage, transaction effective time started and transaction
The termination time encrypts to form payment code；Virtual card number is number that payment code business platform issues and with mobile terminal
Word account corresponds.
In step S230, sends payment code and complete to trade to cashing machine.
In scheme provided in this embodiment, step S210, the step S110, S120 of S220, S230 and above-described embodiment,
S130 is identical, repeats no more.
In scheme provided in this embodiment, unique identification and virtual card number by binding mobile terminal enhance payment
The safety of transaction.
Fig. 3 is a kind of payment code method of commerce flow diagram that one embodiment of the application provides, and is included the following steps.
In step S301, mobile terminal sends digital account to payment code business platform.
In step s 302, it obtains that payment code business platform is generated based on digital account and carries out financial association and authorization
Virtual card number.
Payment code business platform includes accessing preposition, token service system, payment administrative system.Wherein, it accesses preposition negative
Duty distinguishes the transaction request of network-side transmitting, is forwarded to token service system and payment administrative system respectively.Token service system
It is mainly used for management, generates the corresponding virtual card number Token of digital account, Token is tested in payment code process of exchange
Card etc..Payment administrative system is mainly used for being numerical account number and Token account and is associated with, manages and Trading Authorization etc..
Token service system is based on digital account and generates virtual card number, and virtual card number sum number word account is sent to payment code
The payment administrative system of business platform is verified.After being verified, payment administrative system to token service system authorization, and
The unique corresponding relation of digital account and virtual card number is established in database, and digital account and virtual card number are made into financial pass
Connection.Token service system is authorized, and virtual card number is sent to mobile phone.
In step S303, virtual card number is stored.
In step s 304, the unique identification for binding virtual card number and mobile terminal forms corresponding relationship.
In step S305, corresponding relationship is sent to payment code business platform.
In step s310, mobile terminal receives the trading instruction for carrying out cash dispenser, transaction effective time started and transaction
Effectively terminate the time.
In step s 320, it is based on trading instruction, it is effective to the virtual card number of storage, transaction effective time started and transaction
The termination time encrypts to form payment code；Virtual card number is number that payment code business platform issues and with mobile terminal
Word account corresponds.
In step S330, sends payment code and complete to trade to cashing machine.
In scheme provided in this embodiment, step S310, the step S110, S120 of S320, S330 and above-described embodiment,
S130 is identical, repeats no more.
In scheme provided in this embodiment, by the way that digital account and virtual card number are made financial association, further enhance
The safety of payment transaction.
Fig. 4 is a kind of payment code method of commerce flow diagram that one embodiment of the application provides, and is included the following steps.
In step S410, mobile terminal receives the trading instruction for carrying out cash dispenser, transaction effective time started and transaction
Effectively terminate the time.
In the step s 420, it is based on trading instruction, it is effective to the virtual card number of storage, transaction effective time started and transaction
The termination time encrypts to form payment code；Virtual card number is number that payment code business platform issues and with mobile terminal
Word account corresponds.
In step S431, mobile terminal sends payment code to cashing machine.
In step S432, payment code and additive transaction information are sent to payment code business platform by cashing machine.
In step S433, payment code business platform hands over this according to the payment code and additive transaction information
Easily after authorization, successful information of authorization is sent back cashing machine.
Successful information of authorization includes virtual card number and authorization message, is that payment code business platform receives payment code and additional friendship
After easy information, the authorization message of transmission.
In step S434, cashing machine is based on successful information of authorization and completes after trading, and transmission, which is traded, successfully to be instructed to movement
Terminal.
Cashing machine is collected money after receiving successful information of authorization, prompts to trade successfully, and is sent successfully instruction of trading and arrived shifting
Dynamic terminal.
In step S435, the transaction that mobile terminal reception carrys out cash dispenser is successfully instructed.
Mobile terminal is traded by non-contact channel reception and is successfully instructed, this transaction is completed.
In the present embodiment, if cashing machine is POS machine, POS machine is by front-end system POSP by payment code and attached
Transaction Information is added to be sent to payment code business platform.Front-end system POSP is mainly used for managing turn of the POS machine of front end and transaction
Hair can be used for legitimacy detection, the friendship of the access of POS transaction and the conversion of transaction message, key management, the transaction of POS machine tool
Easily monitoring etc..
Payment code business platform trades to this according to the payment code and additive transaction information and carries out Trading Authorization, authorization
Successful information sends back cashing machine.Successful information of authorization includes virtual card number and authorization message.Cashing machine prompt is traded successfully, is led to
It crosses non-contact channel and sends trade successfully to instruct and be sent to mobile terminal, complete this transaction.
In scheme provided in this embodiment, step S410, S420 is identical as step S110, S120 of above-described embodiment, no
It repeats again.
In scheme provided in this embodiment, transaction is authorized by payment code business platform, further ensures branch
Pay the safety of transaction.
Fig. 5 is a kind of payment code method of commerce flow diagram that one embodiment of the application provides, and is included the following steps.
In step S510, mobile terminal receives the trading instruction for carrying out cash dispenser, transaction effective time started and transaction
Effectively terminate the time.
In step S520, it is based on trading instruction, it is effective to the virtual card number of storage, transaction effective time started and transaction
The termination time encrypts to form payment code；Virtual card number is number that payment code business platform issues and with mobile terminal
Word account corresponds.
In step S531, mobile terminal sends payment code to cashing machine.
In step S532, payment code and additive transaction information are sent to payment code business platform by cashing machine.
In step S5331, payment code business platform is decrypted payment code to obtain virtual card number and transaction effective
Begin time and transaction effectively termination time.
In step S5332, payment code business platform verifies virtual card number and mobile terminal unique identification, and to corresponding number
Word account carries out financial process.
In the present embodiment, such as digital account is Alipay account, generates virtual card number based on the Alipay account, moves
Dynamic terminal unique identification is the ID number of SIM card or SD card, then payment code business platform is according to the legal of the virtual card number of records tests
Property, it is legal that financial process then is carried out to Alipay account, and according to the corresponding relationship of virtual card number and mobile terminal unique identification
ID number is verified.Need it is clear that, verify virtual card number and mobile terminal unique identification in no particular order.
In step S5333, after being verified, payment code business platform trades to this and carries out Trading Authorization, authorization
Successful information sends back cashing machine.
After being proved to be successful, payment code business platform trades to this according to the payment code and additive transaction information
Successful information of authorization, is sent back cashing machine by authorization.
Successful information of authorization includes virtual card number and authorization message, be payment code business platform receive and decrypt payment code and
After additive transaction information, to the legitimacy of virtual card number, corresponding digital account and virtual card number and mobile terminal unique identification
Corresponding relationship be proved to be successful after the authorization message that sends.
In step S534, cashing machine is based on successful information of authorization and completes to trade, and transmission, which is traded, successfully to be instructed to mobile whole
End.
Cashing machine is collected money after receiving successful information of authorization, prompts to trade successfully.
In step S535, the transaction that mobile terminal reception carrys out cash dispenser is successfully instructed.
Mobile terminal is traded by non-contact channel reception and is successfully instructed, this transaction is completed.
In scheme provided in this embodiment, step S510, S520, S531, S532, S534, S535 and above-described embodiment
Step S410, S420, S431, S432, S434, S435 are identical, repeat no more.
In scheme provided in this embodiment, transaction is authorized by payment code business platform, and by virtual card number,
The verifying of digital account, mobile terminal unique identification ensure that the safety of payment transaction.
The embodiment of the present application also provides a kind of smart card, wherein smart card is based on 2.4GHz or 13.56MHz technology
Non-contact RF ID card；The virtual card number of smart cards for storage；Virtual card number is used to carry out transaction payment in cashing machine, and virtual card number is by propping up
The corresponding digital account of mobile terminal of the code business platform based on installation smart card is paid to generate.
The embodiment of the present application also provides a kind of mobile terminal, wherein mobile terminal is equipped with smart card, and smart card is to be based on
The non-contact RF ID card of 2.4GHz or 13.56MHz technology；The virtual card number of smart cards for storage, virtual card number be used for cashing machine into
Row transaction payment is based on the corresponding digital account of mobile terminal by payment code business platform and generates.
Mobile terminal include mobile phone, palm PC PDA (personal digital assistant), laptop and
Tablet computer etc..
The embodiment of the present application also provides a kind of mobile terminal, wherein mobile terminal, which has, is based on 2.4GHz or 13.56MHz
The contactless communication function of technology, mobile terminal store virtual card number, and virtual card number is used to carry out transaction payment in cashing machine, by
Payment code business platform is based on the corresponding digital account of mobile terminal and generates.
SE built in the mobile terminal, virtual card number are stored in SE.
The embodiment of the present application also provides a kind of cashing machine, wherein cashing machine includes the non-contact reading of single-frequency for supporting 2.4GHz
At least one of the double frequency contactless card reader of card device or support 2.4GHz and 13.56MHz.
Fig. 6 is a kind of payment code transaction system provided by the embodiments of the present application, including mobile terminal 1, cashing machine 2, payment
Code business platform 3.
Mobile terminal 1 is equipped with smart card, and the virtual card number of smart cards for storage, virtual card number in cashing machine for trading
Payment is based on the corresponding digital account of mobile terminal 1 by payment code business platform and generates.Smart card includes SIM card or SD card etc..
Cashing machine 2 supports the single-frequency contactless card reader of 2.4GHz or supports the double frequency of 2.4GHz and 13.56MHz is non-to connect
Touch card reader.In the present embodiment, as shown in fig. 6, cashing machine 2 can be POS machine, cashing machine 2 by front-end system POSP with
Payment code business platform is communicated, and data are exchanged.
Payment code business platform 3 includes accessing preposition 31, token service system 32, payment administrative system 33.Wherein, it accesses
Preposition 31 are responsible for distinguishing the transaction request of network-side transmitting, are forwarded to token service system 32 and payment administrative system 33 respectively.
Token service system 32 is mainly used for management, generates the corresponding virtual card number Token of digital account, in payment code process of exchange
Token is verified etc..Payment administrative system 33, which is mainly used for doing account with Token to numerical account number, to be associated with, manage and hands over
Easily authorization etc..
Using payment code transaction system provided in this embodiment, implement payment code method of commerce provided by the above embodiment,
Do not change existing payment code system, such as payment code business platform is basically unchanged, it is hidden to efficiently solve safety existing for payment code
Suffer from and use cumbersome problem, entire scheme has carried out reasonable combination in terms of economy and practicability.
It should be noted that each embodiment above by reference to described in attached drawing is only to illustrate the application rather than limits this
The range of application, those skilled in the art should understand that, it is right under the premise of not departing from spirit and scope
The modification or equivalent replacement that the application carries out, should all cover within the scope of the present application.In addition, signified unless the context
Outside, the word occurred in the singular includes plural form, and vice versa.In addition, unless stated otherwise, then any embodiment
All or part of in combination with any other embodiment all or part of come using.
Claims (10)
1. a kind of payment code method of commerce, comprising:
Mobile terminal receives the trading instruction for carrying out cash dispenser, transaction effective time started and transaction and effectively terminates the time；
Based on the trading instruction, the virtual card number of storage, the transaction effective time started and the transaction are effectively terminated
Time encrypts to form payment code；The virtual card number be payment code business platform issue and with the mobile terminal
Digital account correspond；
The payment code is sent to the cashing machine to complete to trade.
2. according to the method described in claim 1, wherein, the mobile terminal and the cashing machine pass through 2.4G or 13.56MHz
Non-contact channel is communicated.
3. method according to claim 1 or 2, wherein the mobile terminal, which receives, to be carried out the trading instruction of cash dispenser, hands over
Easily effective time started and transaction effectively terminated before the time, further includes:
Mobile terminal sends the digital account to the payment code business platform；
Obtain the virtual card number generated based on the digital account from the payment code business platform；
Store the virtual card number；
The unique identification for binding the virtual card number and the mobile terminal forms corresponding relationship；
The corresponding relationship is sent to the payment code business platform.
4. according to the method described in claim 3, wherein, the acquisition is from the payment code business platform based on the number
The virtual card number that word account generates, comprising:
It is that payment code business platform described in the acquisition for mobile terminal is generated based on the digital account and carry out financial association and
The virtual card number of authorization.
It is described to send the payment code and complete to trade to the cashing machine 5. according to the method described in claim 3, wherein,
Include:
The mobile terminal sends the payment code to the cashing machine；
The transaction from the cashing machine is received successfully to instruct；
The successfully instruction of trading is obtained after completing the transaction based on successful information of authorization, and the successful information of authorization is
After the payment code and additive transaction information are sent to the payment code business platform by the cashing machine, from the payment code industry
It is engaged in what platform obtained.
6. according to the method described in claim 5, wherein, the successful information of authorization is that the payment code business platform receives simultaneously
Legitimacy, the corresponding digital account after decrypting the payment code and the additive transaction information, to the virtual card number
And the corresponding relationship be proved to be successful after the authorization message that sends.
7. a kind of smart card, wherein the smart card is the non-contact RF ID card based on 2.4GHz or 13.56MHz technology；It is described
The virtual card number of smart cards for storage；The virtual card number is used to carry out transaction payment in cashing machine, and the virtual card number is by payment code
Business platform is generated based on the corresponding digital account of mobile terminal for installing the smart card.
8. a kind of mobile terminal, wherein the mobile terminal is equipped with smart card, the smart card be based on 2.4GHz or
The non-contact RF ID card of 13.56MHz technology；The virtual card number of smart cards for storage, the virtual card number be used for cashing machine into
Row transaction payment is based on the corresponding digital account of the mobile terminal by payment code business platform and generates.
9. a kind of mobile terminal, wherein the mobile terminal has the contactless communication based on 2.4GHz or 13.56MHz technology
Function, the mobile terminal store virtual card number, and the virtual card number is used to carry out transaction payment in cashing machine, by payment code industry
Platform be engaged in based on the corresponding digital account generation of the mobile terminal.
10. a kind of cashing machine, wherein the cashing machine includes the single-frequency contactless card reader or support 2.4GHz for supporting 2.4GHz
With at least one of the double frequency contactless card reader of 13.56MHz.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810796647.8A CN109034791A (en) | 2018-07-19 | 2018-07-19 | Payment code method of commerce, smart card, mobile terminal and cashing machine |
| PCT/CN2018/102947 WO2020015058A1 (en) | 2018-07-19 | 2018-08-29 | Payment code transaction method, smart card, mobile terminal and pos machine |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810796647.8A CN109034791A (en) | 2018-07-19 | 2018-07-19 | Payment code method of commerce, smart card, mobile terminal and cashing machine |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109034791A true CN109034791A (en) | 2018-12-18 |
Family
ID=64642846
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810796647.8A Pending CN109034791A (en) | 2018-07-19 | 2018-07-19 | Payment code method of commerce, smart card, mobile terminal and cashing machine |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN109034791A (en) |
| WO (1) | WO2020015058A1 (en) |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101414370A (en) * | 2008-12-15 | 2009-04-22 | 阿里巴巴集团控股有限公司 | Payment method, system and payment platform capable of improving payment safety by virtual card |
| CN102855562A (en) * | 2012-09-11 | 2013-01-02 | 守望者科技（北京）有限公司 | NFC (near field communication) mobile terminal and payment method |
| CN105590214A (en) * | 2014-12-31 | 2016-05-18 | 中国银联股份有限公司 | Payment method and payment system based on virtual card |
| CN106056382A (en) * | 2016-06-20 | 2016-10-26 | 中国银联股份有限公司 | Mobile terminal payment method |
-
2018
- 2018-07-19 CN CN201810796647.8A patent/CN109034791A/en active Pending
- 2018-08-29 WO PCT/CN2018/102947 patent/WO2020015058A1/en not_active Ceased
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101414370A (en) * | 2008-12-15 | 2009-04-22 | 阿里巴巴集团控股有限公司 | Payment method, system and payment platform capable of improving payment safety by virtual card |
| CN102855562A (en) * | 2012-09-11 | 2013-01-02 | 守望者科技（北京）有限公司 | NFC (near field communication) mobile terminal and payment method |
| CN105590214A (en) * | 2014-12-31 | 2016-05-18 | 中国银联股份有限公司 | Payment method and payment system based on virtual card |
| CN106056382A (en) * | 2016-06-20 | 2016-10-26 | 中国银联股份有限公司 | Mobile terminal payment method |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2020015058A1 (en) | 2020-01-23 |
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Application publication date: 20181218 |