Multi-use safety device for computing electronic payment code and its generating method

Abstract

The invention relates to a multiple-purpose safety device and cipher code generation method for calculating electronic payment cipher code, which comprises a central processor comprehensive control and calculation unit, a cipher code arithmetic assisting processor unit, a memory unit, a hardware random number generator unit and an interface control unit. Wherein, the cipher code arithmetic assisting processor unit is composed of an arithmetic operation module for a plurality of bank business electronic payment cipher codes; the central processor comprehensive control and calculation unit comprise a judgment sub-unit to judge the type of present request; the cipher code arithmetic assisting processor unit is controlled to automatically select and execute one of the plurality of electronic payment businesses. The cipher code generation method comprises the following procedures: receive a request data package sent from outside; judge the business type to be executed in the data package and select corresponding arithmetic module; after finishing the determination of business type, judge the operation type of the request to be executed in the request data package to conduct cipher code generation.

Description

technical field [0001] The invention relates to the field of electronic payment, in particular to a multi-purpose security device for calculating electronic payment passwords and a password generation method. Background technique [0002] The bank's electronic payment password is a password that is generated or set by the user terminal and provided before the fund payment in the bank's bank notes, online banking system, and bank card business. It is used by the bank to confirm the user's identity and payment transaction content, that is, Electronic payment password. [0003] Among them, the electronic payment passwords used for bank notes are mainly generated according to the "Technical Specifications for Electronic Payment Cipher System" and "Business Specifications" issued by the National Commercial Password Management Office (National Cryptography Administration) and the Payment and Settlement Department of the People's Bank of China. . According to the basic informatio...

AI Technical Summary

Problems solved by technology

[0009] The object of the present invention is to provide a multi-purpose electronic payment password security device and a password generation method to solve the problem of the electronic payment password security device in the prior art when the user performs bank bill payment, online banking system payment and bank card payment business. When operating, they cannot be used universally. Users need to hold a variety of different devices to perform the above-mentioned payment services, which not only causes a lot of inconvenience to users, but also increases the cost of banks and users, and may also be caused by improper user management. As a result, business operations using electronic payment passwords have security risks and other issues.

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