Password-free signing method and device of payment protocol

Abstract

The invention discloses a password-free signing method and device of a payment protocol, which can be used in the financial field or other fields. The method comprises the following steps: analyzing a protocol signing request sent by an application software client to obtain signing information, and generating an access request message, wherein the subscription information comprises a client card number; determining a card issuing bank according to the client card number, encrypting the access request message according to a preset encryption rule, and sending the encrypted access request message to a card issuing bank server; receiving scene admission information returned by the issuing bank server, and generating a contract signing request message according to the contract signing information and the scene admission information; and encrypting the signing request message according to a UnionPay encryption rule, and sending the signing request message to a UnionPay server. Through a pure message interaction mode, access verification and scene access information verification of a password-free signing scene are carried out, so that payment protocol signing is completed, interaction between a bank client and multiple systems is effectively reduced, and the business handling efficiency is improved.

Description

technical field [0001] The invention relates to the technical field of payment agreement signing, in particular to a secret-free signing method and device for a payment agreement. Background technique [0002] UnionPay payment is a fast mobile payment product provided by UnionPay based on mobile terminal NFC technology. Bank customers sign a deduction authorization agreement with mobile terminal manufacturers, UnionPay and the card issuing bank in advance. Bank customers no longer need to enter their bank card passwords when making UnionPay mobile payments under the rules and regulations. This payment design replaces the bank card with a mobile terminal, which avoids the need to carry a bank card for each payment, and avoids entering the bank card password in front of everyone, protecting personal privacy and account security, and at the same time improving the mobile payment experience of bank customers . However, with the changes in the classified management of personal ...

AI Technical Summary

Problems solved by technology

However, with the changes in the classified management of personal bank accounts, banks are allowed to open Type II and Type III accounts for individuals non-face-to-face through electronic channels, and bank debit accounts without card encryption appear, so there are two problems: one is mobile After opening a bank debit account without card encryption online on the terminal application software, the bank debit account cannot sign a UnionPay payment agreement on the mobile terminal application software because there is no bank card password

Second, although bank customers can go to the card-issuing bank's offline service outlet or download the card-issuing bank's APP client to set the bank card password, and then return to the mobile terminal application software to sign the UnionPay payment agreement, but the operation of this process is interrupted , which violates the original design intention of the convenience of the UnionPay payment protocol, and is generally rejected by mobile terminal manufacturers

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