Audio Access Mobile Payment Communication Method Based on Security Algorithm

Abstract

The invention discloses an audio-access mobile payment terminal based on a security algorithm and a communication method based on the security algorithm. The audio-access mobile payment terminal comprises a main control module, a security verification module, a card reading module used for a contact IC (Integrated Circuit) card and a non-contact IC card, a man-machine interaction module with OLED (Organic Light-Emitting Diode) display and touch keyboard input, a communication module with USB (Universal Serial Bus) communication and audio-access communication and a power management module. On the basis of traditional financial transaction equipment, the security verification module and an audio access module are additionally arranged, wherein the security verification module is mainly used for realizing an international (3DES, SHA-1 and RSA) security algorithm and a national code (SM2, SM3 and SM4) security algorithm, and ensuring the confidentiality and integrality of financial transaction data; a transplantation SSL (Security Socket Layer) protocol ensures the payment security; the audio-access mobile payment terminal based on the security algorithm and the communication method based on the security algorithm are good in compatibility, strong in flexibility and high in security.

Description

technical field [0001] The invention relates to an audio access type mobile payment terminal and a communication method based on a security algorithm. Background technique [0002] At present, mobile payment solutions can be roughly divided into two types: near-field payment and remote payment. Since the one-card mobile payment products based on NFC technology are mainly used in near-field payment solutions, the standards are not unified, and there is also a lack of mature commercial use in the market. At present, the application of mobile payment is still mostly concentrated in the field of remote payment. Remote payment refers to a payment method in which users and merchants do not need to interact face-to-face, but use mobile terminals to interact with background servers through wireless communication networks, and the server completes transaction processing. According to the type of technology used, remote payment technology solutions mainly include four technical solu...

AI Technical Summary

Problems solved by technology

However, there are certain hidden dangers in this method. If the operation password is too simple or the SIM card of the mobile phone is copied, the funds in the bank account will be transferred away in the form of transfer, causing economic losses.

[0004] The existing payment terminal adopts the international encryption algorithm to implement encryption, and the communication between the payment terminal and the mobile phone generally adopts USB communication, which has poor flexibility and poor compatibility

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