HCE offline payment system and realization method

A technology of payment system and implementation method, which is applied in the direction of payment system, payment system structure, cash register, etc., can solve problems such as system security threats, and achieve the effects of improving security, reducing losses, and ensuring security

Active Publication Date: 2016-07-20
HENGBAO
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Once the client is cracked and the transaction information is stolen and copied, the security of the entire system is threatened

Method used

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  • HCE offline payment system and realization method
  • HCE offline payment system and realization method
  • HCE offline payment system and realization method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0099] Use the compound dispersion factor obtained by one compound and other single restrictive dispersion factors to carry out the dispersion operation on the authentication key respectively, as follows:

[0100] Step M1, the background server 3 generates a plurality of restrictive dispersion factors;

[0101] In step M2, the background server 3 calculates several of the restrictive dispersion factors to obtain a composite dispersion factor,

[0102] Step M3, using the composite dispersal factor to perform the first dispersal operation on the authentication key;

[0103] In step M4, the restricted dispersal factor n performs an Nth dispersive operation on the authentication key.

Embodiment 2

[0105] Use the multiple composite dispersion factors obtained by multiple composites to perform decentralized operations on the authentication key, as follows:

[0106] Step M1', background server 3 generates a plurality of restrictive dispersion factors;

[0107] In step M2', the background server 3 calculates several of the restrictive dispersion factors to obtain the composite dispersion factor m, and performs calculations on the other several restrictive dispersion factors to obtain the composite dispersion factor k;

[0108] Step M3', using the compound dispersion factor m to perform the first dispersion operation on the authentication key;

[0109] Step M4', using the composite dispersal factor k to perform a second dispersal operation on the authentication key.

[0110] Step S104: the background server 3 truncates the result of the distributed operation to obtain a pseudo-random number;

[0111] Specifically, the result of decentralized operation of the authentication...

Embodiment 3

[0117] Add a hexadecimal number after the last digit of the 8-digit result PIN code, and then hide the first 5 digits to obtain the remaining 4 digits of the PIN code as a pseudo-random number.

[0118] More specifically, the HCE offline payment system also includes a personalized information server, a personalized client terminal, and the like.

[0119] The personalization information server is used to store information required for personalization, such as PIN1, PIN2, PUK1, PUK2, ADM1, ICCID, IMSI, Ki, etc.

[0120] The personalization client is used to perform necessary personalization process on the HCE client.

[0121] Based on the above Figure 1-2 A kind of HCE off-line payment system proposed by this application is introduced, based on the following Figure 3-8 The implementation method of the HCE offline payment system proposed in this application is introduced.

[0122] This application also proposes a method for realizing an HCE offline payment system, such as ...

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Abstract

The invention provides an HCE offline payment system and a realization method. The system comprises an HCE client, a POS machine and a background server, wherein the HCE client communicates with the POS machine through NFC, and the background server communicates with the HCE client through an HTTP. According to the HCE offline payment system and the realization method, brought forward by the invention, through adding pseudo random number verification to a general offline transaction process, HCE-based soft card transaction security is improved, and the security of a transaction process is guaranteed. Besides, through arranging fixed frequency and a fixed time limit for pseudo random numbers, the loss can be reduced as much as possible even if the pseudo random numbers are lost.

Description

technical field [0001] This application relates to the field of mobile payment, in particular to an HCE offline payment system and its implementation method. Background technique [0002] HCE (Host-basedCardEmulation, host-based card emulation) is a new system service API in Android4.4.2KitKat released by Google at the end of 2013. HCE provides a virtual SE NFC solution based on NFC mobile terminal, also known as "soft card" solution. HCE enables NFC mobile phones to use mobile App software to simulate chip cards to realize payment, identity recognition and other functions without hardware SE (card information is encrypted and stored in mobile App software), enabling mobile phones to have NFC card swiping function. [0003] At present, the commercial HCE-based payment system in the market only provides online transactions, that is, all transactions must be forwarded by the POS machine to the background transaction processing system for completion. The most used offline tran...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/38G07G1/14
CPCG06Q20/3278G06Q20/3829G07G1/14
Inventor 胡升跃陆道如高岚叶文莉郑涛
Owner HENGBAO
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