Key downloading method and system

Abstract

The invention discloses a key downloading method, which comprises the steps as follows: a universal software interface corresponding to different types of terminal devices is established, wherein a software library comprises library files corresponding to different types of terminal devices; then a terminal device sends a key downloading request to a device providing key downloading through the universal software interface, and receives the key from the universal software interface after the downloading request is responded. The invention also provides a key downloading system, which comprises the universal software interface. The key downloading method and system rely on the compatibility of the universal software interface to enable different types of terminal devices to conveniently download the keys.

Description

technical field [0001] The invention relates to electronic payment technology, in particular to key download technology in electronic payment. Background technique [0002] With the rapid development of the electronic payment industry, such as bank card payment, consumer card payment, industry card payment and other electronic payment technologies through the network, electronic payment is more and more popular due to its fast and convenient features. Half of the electronic payment includes terminal equipment for consumers, payment platform and key management equipment. Consumers input consumption information (such as account passwords, etc.) to the payment platform through terminal devices, and in order to ensure the security of consumption information, electronic payment systems are generally equipped with a key management system. [0003] Taking the bank card payment system as an example, it generally includes terminal equipment (such as point of sale terminal equipment ...

AI Technical Summary

Problems solved by technology

[0009] Although the above method can achieve the purpose of downloading the terminal master key, because method 1 must have plaintext or ciphertext in the process of distributing the terminal master key to the PINpad, the risk of key leakage and cracking is relatively high; In the second, due to the incompatibility of the downloaded software provided by each manufacturer, the system in this way cannot be compatible with various terminal devices, resulting in a complicated system maintenance process and relatively high requirements for the number of maintenance personnel and technical quality, increasing The maintenance cost is reduced; the third method also has the situation that the system is not compatible with various terminal devices and the operation is complicated, and the security of the terminal master key depends on the security of the transmission key in the parent POS and the line security of the key download

[0010] Although the above mentioned the areas to be improved by taking the bank card payment system as an example, the above-mentioned problems generally exist in the electronic key downloading of the current electronic payment system. It is an urgent problem to be solved to make the electronic payment system compatible with various terminal devices in the process of key downloading, so that the key can be safely downloaded to the terminal device under the condition that the key is easy to maintain and the maintenance cost is not high.

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