Application method of payment encryption hardware applied to mobile equipment

A technology of mobile devices and application methods, applied in the direction of payment architecture, data processing applications, coin-free or similar appliances, etc., can solve the problems of inconvenient verification and inability to conduct transactions using SMS, and achieve shortening of the transaction process. Time-saving and easy-to-use results

Inactive Publication Date: 2014-12-10
淄博思科电子技术开发有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] Third, it is very inconvenient to use SMS verification. If the mobile phone is not at hand, the transaction cannot be carried out, and a large amount of card information needs to be input, which makes the transaction have certain limitations.

Method used

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Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0021] Embodiment 1: The application method of payment encryption hardware applied to mobile devices according to the present invention includes a chip, the chip is provided with a mobile device communication interface, and the chip stores the information of the user's corresponding bank card and its password information, and the user's corresponding The bank card information and its password information are encrypted, and the chip is connected to the communication interface on the mobile device through the communication interface of the mobile device, and the mobile device is connected to the Internet for online transactions.

Embodiment 2

[0022]Embodiment 2: on the structure basis described in embodiment 1, comprise chip, chip has stored the information of user's corresponding bank card and password information thereof, is provided with CPU, rom, ram and mobile device communication interface on the chip, and ram is used for For intermediate data caching, rom is used to store the user's corresponding bank card information, transaction password public key encryption program and response key encrypted by the public key of the PKI key system, and the rom information can only be written but not read. The confidentiality of the data in the rom is guaranteed. After the CPU receives the random data sent by the bank background system, it performs a single hash operation on the random data sent by the bank background system and the response key data stored in the rom, and passes the operation result through The communication interface of the mobile device and the Internet send back to the bank background, and send the tra...

Embodiment 3

[0023] Embodiment 3: On the basis of the structure described in Embodiment 2, when using the mobile banking platform, the communication interface of the mobile device is connected to the communication interface on the mobile phone, and the CPU will also use the above method to exchange information with the bank background system Interaction, after the bank background system uses the corresponding private key to decode the public key, it will send the information of the corresponding bank card stored in the ROM to the mobile banking platform through the Internet, and ask to enter the password, the password entered, the password entered by The CPU uses the public key to encrypt and send it to the bank background system to decode the private key. After the verification is passed, the bank background system will send a verification success message to the mobile banking platform, and the mobile banking platform will directly jump to the corresponding operation interface and transfer ...

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PUM

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Abstract

The invention provides an application method of payment encryption hardware applied to mobile equipment and belongs to an encrypted cellphone payment mode. The payment encryption hardware comprises a chip which is provided with a mobile equipment communication interface, information of a bank card corresponding to a user and password information of the bank card are stored in the chip and encrypted,g and the chip is connected with a communication interface on the mobile equipment through the mobile equipment communication interface and accesses the Internet through the mobile equipment for online transactions. The application method is safe, reliable and convenient in operation, and inputting of a lot of information is not needed, so that transaction time is saved greatly, and the transactions are free of limitation; the payment encryption hardware is convenient to carry.

Description

technical field [0001] The invention provides an application method of payment encryption hardware applied to a mobile device, which belongs to an encrypted mobile phone payment method. Background technique [0002] The existing mobile phone network payment method is to submit an order on the corresponding webpage or third-party software. After submitting the order, select the corresponding bank on the webpage or third-party software, and then choose quick payment or link to the online banking interface of the corresponding bank. If you choose quick payment, you will be required to bind the corresponding bank card, and you can enter the payment password to make the payment, while the background is to encrypt the password through software and send it to the bank's background system for verification; and choose to link to the corresponding bank's Internet banking interface, after entering the online banking interface, you need to enter the account number, enter the password, a...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G07F19/00
CPCG06Q20/16G06Q20/322G06Q20/341G06Q20/3823G06Q20/3829
Inventor 耿玉桐滕晓霞徐光剑
Owner 淄博思科电子技术开发有限公司
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