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Electronic paying method, system and device thereof

A technology of electronic payment and payment terminal, applied in the direction of payment architecture, data processing applications, instruments, etc., can solve the problems of low security and weakness, and achieve the effect of improving security

Active Publication Date: 2012-07-04
新方正控股发展有限责任公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Therefore, there are still weak links in the existing electronic payment process, and the security is not high

Method used

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  • Electronic paying method, system and device thereof
  • Electronic paying method, system and device thereof
  • Electronic paying method, system and device thereof

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Embodiment Construction

[0036] In the existing electronic payment system, the PSAM transmission key is stored in the local memory of the payment terminal, so when the self-destruction function of the payment terminal fails, the PSAM key stored in the local memory of the payment terminal can be obtained. The key is transmitted, so that when the electronic payment service is carried out, the illegal electronic payment service can be carried out through the transmission key. It can be seen that there are security risks in the electronic payment business between the payment terminal and the payment background, while the electronic payment business between the payment platform and the UnionPay server is relatively safe. Therefore, in the embodiment of the present invention, the electronic payment system includes: a payment background, and at least A payment terminal. Wherein, the payment background includes: a payment platform and a bank server. In the embodiment of the present invention, the payment pla...

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PUM

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Abstract

The invention discloses an electronic paying method, a system and a device thereof. The electronic paying method, the system and the device are used for increasing the safety of electronic paying. The method comprises the following steps: obtaining consumption information; sending a service application request to a paying background; receiving an application authentication message fed back by the paying background, wherein the application authentication message is formed by encrypting the service application request by the paying background according to a first transmission secret key corresponding to a paying terminal stored in the paying background; performing application authentication on the received service application request according to a second transmission secret key stored in a safety access module; after passing by the application authentication, encrypting the consumption information according to a working secret key stored in the safety access module, thereby generating a service message; and sending the service message to the paying background and performing an electronic paying service together with the paying background.

Description

technical field [0001] The present invention relates to the technical field of electronic payment, in particular to an electronic payment method, system and device thereof. Background technique [0002] At present, payment terminals have been widely used in supermarkets, wholesale markets, small and medium-sized commercial circulation enterprises, households and other fields; because of their large deployment range and wide application population, security issues are the most concerned issues when using these payment terminals for electronic payment , is also an urgent problem for financial institutions to solve. The existing payment system generally consists of a UnionPay server, a payment platform, and at least one payment terminal. [0003] Wherein, the payment terminal includes: a purchase secure access module (Purchase Secure Access Module, PSAM), a card reader, and the like. Wherein, the key information is stored in the PSAM, and the key information can only be acces...

Claims

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Application Information

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IPC IPC(8): G06Q20/42H04L9/32
Inventor 张宏海
Owner 新方正控股发展有限责任公司