CN106485480A - A kind of terminal recharge method and system, a kind of network payment system - Google Patents
A kind of terminal recharge method and system, a kind of network payment system Download PDFInfo
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- CN106485480A CN106485480A CN201610895915.2A CN201610895915A CN106485480A CN 106485480 A CN106485480 A CN 106485480A CN 201610895915 A CN201610895915 A CN 201610895915A CN 106485480 A CN106485480 A CN 106485480A
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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Abstract
The invention provides a kind of terminal recharge method and its system, a kind of network payment system, wherein, comprise the following steps in the terminal recharge method：S10 receives the charging request for supplementing that application sends with money, and the charging request includes termination number and recharge amount；S20 sends the payment authentication request of user according to the charging request to certificate server；S30 is paid to corresponding recharge amount in charging request according to the payment authentication result of certificate server, and sends charging request to supplementing server with money, the supplementing with money of complete paired terminal；S40 reception is supplemented the recharging result of server feedback with money and is issued to and supplements application with money.Efficiently solve the fund security performance during terminal is supplemented with money.
Description
Technical Field
The invention relates to the technical field of communication, in particular to a terminal recharging method and system and a network payment system.
Background
With the increasing popularity of the internet, more and more people access the internet through top-up applications. Statistically, the number of users who shop by the end of 2015 through top-up applications, such as mobile phones, tablet computers, etc., has reached 4.130 billion, with 3.58 billion people selecting to pay through top-up applications. In addition, the report of' 2016 annual quarterly payment system running general situation shows that the mobile payment service reaches 56.15 billion, the amount reaches 52.130 trillion, the year-on-year payment service increases 308% and 31.05% respectively, and the situation of more than one time of increase is kept.
Therefore, the mobile internet already forms a brand new social life form, and changes the daily life of people unconsciously. Meanwhile, the type of financial business is changed from a PC (Personal Computer) end to a mobile end, and a point-to-point payment mode is changed into a social payment mode according to the connection of many-to-many. In this process, for the bank, the security solution of the PC side, such as bluetooth shield, audio key, cipher token, etc., is still used at the mobile side, which is greatly discounted in the user experience compared to the payment method of the third party payment, and the usage results in the service being popular and the loss of the customer.
At present, in the process of recharging the mobile phone through the internet, after a recharging function menu is entered in a recharging application, a mobile phone number is input, a recharging amount is selected, and a withdrawal password is input, so that the recharging operation of the mobile phone can be realized. However, the recharging method cannot ensure the payment safety, and lawless persons can steal the user funds only by stealing the payment password.
Disclosure of Invention
Aiming at the problems, the invention provides a terminal recharging method and system and a network payment system, which effectively solve the problem of fund security in the terminal recharging process.
The technical scheme provided by the invention is as follows:
a terminal recharging method is applied to a network payment system, the network payment system is respectively in communication connection with a recharging application, an authentication server and a recharging server in a terminal, and the terminal recharging method comprises the following steps:
s10 receiving a recharging request sent by a recharging application, wherein the recharging request comprises a terminal number and a recharging amount;
s20 sending payment authentication request of user to authentication server according to the recharging request;
s30, according to the payment authentication result of the authentication server, paying the corresponding recharging amount in the recharging request, and sending the recharging request to the recharging server to complete the recharging of the terminal;
and S40 receiving the recharging result fed back by the recharging server and sending the recharging result to the recharging application.
Further preferably, a security plug-in uniquely associated with the recharge application is stored in the terminal and the authentication server respectively, so as to implement payment authentication of the authentication server for the user, and the security plug-in includes application information and an operation algorithm uniquely associated with the recharge application.
Further preferably, in step S30, before the authentication server performs payment authentication on the user, the method further includes a step of obtaining an operation algorithm and compiling the operation algorithm into a security plug-in by the authentication server according to the application information submitted by the top-up application, and specifically includes:
s01 generating a random number according to the received application information and setting the random number as a key parameter;
s02, reconstructing a preset algorithm according to the key parameters to obtain an operation algorithm;
s03, the received application information and the generated operation algorithm are compiled together to obtain the security plug-in and the security plug-in is issued to the recharging application.
Further preferably, in step S02, the step of reconstructing the preset algorithm to obtain the operation algorithm specifically includes:
changing the operation sequence of a preset algorithm according to the key parameter to obtain an operation algorithm; and/or the presence of a gas in the gas,
changing the structure of the grouped data blocks of the preset algorithm and the operation sequence of the corresponding grouped data blocks according to the key parameters to obtain an operation algorithm; and/or the presence of a gas in the gas,
and changing the fixed parameters of the preset algorithm according to the key parameters to obtain the operation algorithm.
Further preferably, in step S30, the step of authenticating the payment by the authentication server to the user specifically includes:
in the terminal, the challenge code issued by the authentication server according to the payment authentication request and the application information extracted from the security plug-in are used as calculation factors, a calculation algorithm is used for calculating to generate a payment authentication code, and the generated payment authentication code is sent to the network payment system through the recharging application;
in the authentication server, the challenge code generated according to the payment authentication request and the application information extracted from the security plug-in are used as calculation factors, calculation is carried out by using a calculation algorithm to generate a payment check code, and the payment authentication code forwarded by the network payment system is verified according to the generated payment check code, so that the payment authentication of the user is realized.
Further preferably, before step S20, the method further includes a step of authenticating, by the authentication server, the order of the user, and specifically includes:
in the terminal, taking the order information and the application information extracted from the security plug-in as calculation factors, performing calculation by using a calculation algorithm to generate an order authentication code, and sending the generated order authentication code and the order information to the network payment system through the recharging application;
in the authentication server, the order information forwarded by the network payment system and the application information extracted from the security plug-in are used as calculation factors, an operation algorithm is used for performing operation to generate an order check code, and the order authentication code forwarded by the network payment system is verified according to the generated order check code, so that the payment authentication of the user is realized.
Further preferably, in step S10, the step of receiving the recharge request sent by the recharge application specifically includes:
s11, receiving and verifying login information sent by the recharging application, wherein the login information at least comprises a user name and a login password;
s12 receives the recharge request sent by the recharge application after the login information is successfully verified.
8. The terminal recharging method of any one of claims 1-4, wherein in step S30, the step of responding to the recharging request according to the payment authentication result of the authentication server specifically comprises: and if the payment authentication in the authentication server is successful, paying the corresponding recharging amount, and sending a recharging request to the recharging server to finish recharging the terminal.
Further preferably, in step S20, the step of sending the payment authentication request of the user to the authentication server according to the recharge request specifically includes: and if the order authentication in the authentication server is successful, sending a payment authentication request of the user to the authentication server according to the received recharging request.
The invention also provides a network payment system which is respectively in communication connection with the recharging application, the authentication server and the recharging server in the terminal, and the network payment system specifically comprises the following components:
the first information transceiver module is used for receiving a recharging request sent by the recharging application, receiving a payment authentication result sent by the authentication server, receiving a recharging result sent by the recharging server, sending a payment authentication request of a user to the authentication server and sending the recharging request to the recharging server;
the payment module is used for paying the corresponding recharging amount in the recharging request according to the payment authentication result received by the first information transceiver module;
and the recharging result issuing module is used for issuing the recharging result received by the first information receiving and sending module to the recharging application.
Further preferably, the network payment system further comprises an information verification module and a storage module, wherein,
the storage module is used for storing a registered user list, and the registered user list comprises login information of registered users in the network payment system;
the information verification module verifies the login information received by the first information transceiver module according to the login information of each registered user stored in the storage module, so as to realize the login of the user in the network payment system.
Further preferably, in the network payment system: the first information transceiver module is further used for receiving the order authentication result sent by the authentication server and sending the order authentication request and the order information of the user to the authentication server.
The invention also provides a terminal recharging system, which comprises the network payment system, a recharging application in the terminal, an authentication server and a recharging server, wherein the terminal and the authentication server are respectively stored with a security plug-in uniquely associated with the recharging application, and the security plug-in comprises application information and an operation algorithm uniquely associated with a user; wherein,
the recharge application comprises:
the second information transceiver module is used for sending a recharging request, receiving the challenge code issued by the authentication server and sending the payment authentication code generated by the security plug-in to the authentication server;
the safety plug-in unit comprises:
the first information extraction module is used for extracting the application information and the challenge code received in the recharging application;
the authentication code generation module is used for taking the extracted application information and the challenge code as calculation factors and performing calculation by using an and calculation algorithm to generate a payment authentication code;
the authentication server includes:
the third information transceiver module is used for receiving a payment authentication request sent by the network payment system, receiving a payment authentication code generated by the recharging application, sending the generated challenge code to the recharging application and sending a payment authentication result to the network payment system;
the challenge code generating module randomly generates a challenge code according to the payment authentication request received by the third information transceiver module;
the second information extraction module is used for extracting the application information and the generated challenge code;
the check code generation module is used for taking the extracted application information and the challenge code as calculation factors and carrying out operation by using an AND operation algorithm to generate a payment check code;
the authentication code verification module is used for verifying the payment authentication code received by the third information transceiver module according to the payment verification code generated by the verification code generation module;
and the recharging server is used for completing recharging of the terminal according to a recharging request sent by the network payment system.
Further preferably, the second information transceiver module in the recharge application is further configured to send the generated order authentication code and the order information;
the authentication code generation module in the security plug-in is also used for taking the extracted application information as a calculation factor and using an operation algorithm to perform operation to generate an order authentication code;
the third information transceiver module in the authentication server is also used for receiving order information and order authentication codes sent by the network payment system and sending an order authentication result to the network payment system; the check code generation module is also used for taking the order information forwarded by the network payment system and the application information extracted from the security plug-in as calculation factors and using an operation algorithm to carry out operation to generate an order check code;
and the authentication code verification module is used for verifying the order authentication code received by the third information receiving and transmitting module according to the order check code generated by the check code generation module.
Further preferably, the authentication server further includes:
the random number generation module is used for generating a random number according to the received application information and setting the random number as a key parameter;
the algorithm reconstruction module is used for changing the operation sequence of the preset algorithm according to the key parameter to obtain an operation algorithm, and/or changing the structure of the grouped data blocks of the preset algorithm and the operation sequence of the corresponding grouped data blocks according to the key parameter to obtain the operation algorithm, and/or changing the fixed parameter of the preset algorithm according to the key parameter to obtain the operation algorithm;
and the plug-in compiling module is used for compiling the application information and the operation algorithm into the safety plug-in, and the third information receiving and sending module returns the generated safety plug-in to the recharging application.
Compared with the prior art, the invention has the beneficial effects that:
in the terminal recharging method and the system thereof provided by the invention, in the process of registering a user in a network payment system, an authentication server reconstructs a preset algorithm according to application information (specifically, a key parameter is randomly generated according to the application information) and a preset rule to obtain an operation algorithm, and generates a security plug-in uniquely associated with the user and respectively stores the security plug-in a terminal (a built-in recharging application and the security plug-in) and the authentication server. The generated random key naturally has uniqueness due to the uniqueness of the application information, so that the uniqueness of the obtained operation algorithm is guaranteed, and the safety plug-in generated by compiling the operation algorithm naturally has uniqueness (the safety plug-ins stored in each terminal are unique, and the realization mechanisms are different), so that the safety performance is greatly improved, and the safety plug-in is not easy to crack. Even if the operation algorithm in the security plug-in installed in a certain terminal is cracked, the security performance of other users cannot be influenced; meanwhile, personalized service of recharging application is added, and user experience is improved.
In addition, in the terminal recharging process, the security plug-in the terminal generates a payment authentication code with randomness by using a plurality of factors such as a challenge value returned by the authentication server as security factors. In addition, the security plug-in the terminal uses the order information as a security factor to generate an order authentication code, and authenticates the order information to prevent the order information from being tampered in the sending process. In the process, the payment authentication code and the order authentication code are generated based on a novel irreversible cryptosystem with one-time one-key and one-person one-key, so that the safety in the recharging process is greatly improved, and hackers can be effectively prevented from washing money by recharging.
Finally, the network payment system provided by the invention is suitable for any existing system which needs to manage the payment function of the user payment account (such as the payment function of each bank card in a bank system), has universality in application and greatly expands the application field.
Drawings
The foregoing features, technical features, advantages and embodiments are further described in the following detailed description of the preferred embodiments, which is to be read in connection with the accompanying drawings.
FIG. 1 is a flow chart illustrating an embodiment of a terminal recharging method according to the present invention;
FIG. 2 is a schematic diagram of an embodiment of a network payment system according to the present invention;
FIG. 3 is a schematic diagram of another embodiment of a network payment system according to the present invention;
fig. 4 is a schematic diagram of a terminal recharging system in the invention.
The reference numbers illustrate:
100-network payment system, 110-first information transceiver module, 120-payment module, 130-recharge result issuing module, 140-information verification module, 150-storage module, 200-authentication server, 210-third information transceiver module, 220-challenge code generation module, 230-authentication code verification module, 240-second information extraction module, 250-check code generation module, 300-terminal, 310-recharge application, 320-security plug-in, 311-second information transceiver module, 321-first information extraction module, 322-authentication code generation module and 400-recharge server.
Detailed Description
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following description will be made with reference to the accompanying drawings. It is obvious that the drawings in the following description are only some examples of the invention, and that for a person skilled in the art, other drawings and embodiments can be derived from them without inventive effort.
Fig. 1 is a schematic flow chart of an embodiment of a terminal recharging method provided by the present invention, which is applied to a network payment system, and specifically, the network payment system is in communication connection with a recharging application, an authentication server, and a recharging server in a terminal, respectively. As can be seen from the figure, the terminal recharging method includes the following steps: s10 receiving the recharging request sent by the recharging application, wherein the recharging request comprises a terminal number and a recharging amount; s20 sending payment authentication request of user to authentication server according to recharging request; s30, according to the payment authentication result of the authentication server, paying the corresponding recharging amount in the recharging request, and sending the recharging request to the recharging server to complete the recharging of the terminal; and S40 receiving the recharging result fed back by the recharging server and sending the recharging result to the recharging application. In a specific embodiment, the recharging application is an application APP of a network payment system, such as a bank system application APP, a third-party payment system application APP, or the like; the network payment system can be an internet bank system, a third party payment system and the like.
Specifically, step S10 specifically includes: s11, receiving and verifying the login information sent by the recharging application, wherein the login information at least comprises a user name and a login password; s12 receives the recharge request sent by the recharge application after the login information is successfully verified. In an embodiment, if the recharge Application is an Application APP (Application program), during the login process, the user logs in the APP using login information to establish a communication channel between the recharge Application and the network payment system. Specifically, after receiving the login information, the network payment system compares the login information with an internally stored registered user list (a registered user list generated by registering each user in the network payment system before recharging), and completes verification of the login information. And if the relevant information is found in the registered user list, the authentication is successful, the homepage of the user is displayed in an APP interface, and the subsequent recharging operation is further completed in the homepage. On the contrary, if the network payment system fails to verify the login information, the verification failure information is fed back to the login interface immediately, and the user is prompted to input the verification failure information again.
In a specific embodiment, assuming that the network payment system is an online banking system, when a user needs to perform mobile phone recharging, the user successfully logs in the online banking APP, then selects life payment in the homepage business options of the online banking APP, further selects telephone fee recharging, and then inputs a mobile phone number and a recharging amount to send a recharging request to the online banking system. After the authentication server completes payment authentication for the user, the online bank system immediately pays corresponding recharging amount to the recharging server according to the recharging request, and then the recharging server completes recharging of the mobile phone.
Based on the above description, specifically, a security plug-in uniquely associated with the recharge application is stored in the terminal and the authentication server respectively, so as to implement payment authentication of the authentication server for the user, and the security plug-in includes application information and an operation algorithm uniquely associated with the recharge application. More specifically, the step of authenticating the payment of the user by the authentication server in step S20 specifically includes: in the terminal, the challenge code issued by the authentication server according to the payment authentication request and the application information extracted from the security plug-in are used as calculation factors, a calculation algorithm is used for calculating to generate a payment authentication code, and the generated payment authentication code is sent to the network payment system through the recharging application; in the authentication server, the challenge code generated according to the payment authentication request and the application information extracted from the security plug-in are used as calculation factors, calculation is carried out by using a calculation algorithm to generate a payment check code, and the payment authentication code forwarded by the network payment system is verified according to the generated payment check code, so that the payment authentication of the user is realized.
In this process, the generating, by the security plug-in, the payment authentication code according to the challenge code specifically includes: the network payment system application APP receives the challenge code issued by the authentication server; subsequently, extracting application information stored in the security plug-in, using the application information and the challenge code as calculation factors together, performing operation by using an and operation algorithm to generate a payment authentication code, and forwarding the payment authentication code to a network payment system Application (APP); and finally, the network payment system application APP sends the payment authentication code to an authentication server.
After receiving the payment authentication code, the authentication server searches for a security plug-in corresponding to the user according to the application information of the user (the authentication server stores security plug-ins associated with each registered user therein); similar to the recharging application, the found application information in the security plug-in and the generated challenge code are used as calculation factors, and an operation algorithm uniquely associated with the user is used for operation to generate a payment check code; and comparing the generated payment check code with the received payment authentication code to finish the payment authentication of the user. If the payment authentication code is successfully verified, the user is a legal user, and the network payment system is authorized to respond to the recharging request, namely the network payment system pays out the recharging amount in the recharging request; otherwise, the user is an illegal user and does not enter subsequent operation.
In a specific embodiment, the secure plugin is a software package providing a terminal cryptosystem service, and a computing algorithm and application information uniquely associated with a user are built in the secure plugin, and specifically, if the terminal is an android system, the secure plugin exists in a so library; if the terminal is an ios system, the terminal exists in a zip compressed packet form. According to the method, before the security plug-in generates the payment authentication code, firstly, the running environment of the terminal is detected, including whether the security plug-in is ROOT or not, the integrity of the application APP is detected, the integrity of the security plug-in is detected, the hardware information of the detection device is detected, and only if the running environment meets the conditions, the subsequent steps are entered, otherwise, the user is prompted to check the running environment.
In addition, the application information is all information related to the recharging application, including user information used for identifying all information of the current payment or state of the user, such as a user name, a login password, a geographic position and the like; the method also comprises the use behaviors of the recharging application, such as payment time, transaction information and the like; in addition, all information for identifying the device is also included, such as IMEI (International Mobile Equipment Identity), IMSI (International Mobile Subscriber Identity), device model, device brand, manufacturer, CPU (Central Processing Unit), MAC (Media Access Control) address, IP (Internet Protocol, Protocol for interconnection between networks) address, and the like.
According to the embodiment, if a user logs in the network payment system for the first time, the user needs to register in the network payment system and generate and issue a security plug-in the authentication server, and the specific steps include:
a user inputs a user name and a login password in a login interface of an APP (application) of the network payment system, generates a registration request and sends the registration request to the network payment system; after receiving the registration request, the network payment system firstly verifies the user name input by the user (specifically, in the process, the network payment system searches in the current registered user list according to the received user name, and if the same user name is not found, the verification is successful); and if the user name passes the verification, the network payment system stores the user name and the login password in a related manner in the current registered user list to form a new registered user list, and returns the verification result to the application APP.
The application APP receives the verification result, extracts application information (such as a user mobile phone and the like) capable of uniquely identifying the user, generates a short message verification code request and sends the short message verification code request to the network payment system; after receiving the verification code request, the network payment system randomly generates a verification code and feeds the verification code back to the recharging application; the mobile phone receives and displays the verification code, inputs the verification code in the application APP, and simultaneously generates a verification code authentication request to the network payment system by the application APP; the network payment system receives a verification code authentication request to authenticate the verification code; and if the authentication is successful, sending the application information and the safety plug-in generation request to the authentication server.
The authentication server receives a security plug-in generation request, firstly, a random number is generated according to received application information, and the random number is set as a key parameter; then, reconstructing a preset algorithm according to the key parameters to obtain an operation algorithm; and finally, compiling the received application information and the generated operation algorithm together to obtain a security plug-in, issuing the security plug-in to the recharging application, and storing the security plug-in the terminal. In a specific embodiment, the preset algorithm may be an algorithm such as SM 3. Further, the step of reconstructing the preset algorithm by the authentication server to obtain the operation algorithm specifically includes: changing the operation sequence of a preset algorithm according to the key parameter to obtain an operation algorithm; and/or changing the structure of the grouped data blocks of the preset algorithm and the operation sequence of the corresponding grouped data blocks according to the key parameter to obtain an operation algorithm; and/or changing fixed parameters of a preset algorithm according to the key parameters to obtain an operation algorithm.
The following describes the procedure of generating the operation algorithm by the authentication server in detail with reference to specific embodiments:
one specific embodiment of generating the operation algorithm by changing the operation priority of the preset algorithm is as follows: and randomly generating an 8-bit random key according to the application information of the unique identification user, and rearranging the operation priorities of the steps of the budget algorithm according to the generated random key. At this time, if the preset algorithm includes 8 steps and the generated random key is 31245768, the generated operation algorithm has the operation priority of the 3 rd step in the original preset algorithm, and then the 1 st step, the 2 nd step, the 4 th step, the 5 th step, the 7 th step, the 6 th step and the 8 th step are operated in sequence, so that the operation sequence of the original preset algorithm is changed, and a brand new operation algorithm is generated. Of course, according to the random key, the rule for changing the preset algorithm may be changed according to the actual situation, for example, bit 1 and bit 3 in the random key represent that the 1 st step of 8 steps in the original preset algorithm is used as the 3 rd step in the operation algorithm for operation; and 1 in the 2 nd bit in the random key represents that the 2 nd step in 8 steps in the original preset algorithm is taken as the 1 st step in the operation algorithm for operation, and the rest can be done in the same way to obtain a brand new operation algorithm according to the operation algorithm. Of course, the above is only a simple introduction of two rules for changing the operation priority, and the two rules can be re-set according to the actual situation, if the preset algorithm includes only 6 steps, the adjustment can be performed by changing the number of bits of the generated random key, or the adaptive adjustment can be performed by ignoring two bits of the generated 8-bit random key.
One specific embodiment of obtaining a new operation algorithm by changing the packet structure of the preset algorithm and the operation priority of the packet structure is as follows: if the information to be operated is divided into n data blocks according to the grouping structure rule of the preset algorithm, and each data block includes 8 small blocks (a1, a2, a3, a4, a5, a6, a7, and a8), at this time, if the random key randomly generated according to the application information uniquely identifying the user is 73124568, and the 1 st bit in the 8-bit random key represents the operation order, and the 2 nd bit represents the corresponding block. Then during the operation, the 3 rd bit at the 2 nd bit indicates that the block a3 is exchanged with the block a1 to change the packet structure, and the 7 th bit at the 1 st bit indicates that the block a7 is operated preferentially, thereby achieving the purpose. While we have given an exemplary embodiment, in other embodiments, the grouping rule (length of each data), meaning corresponding to each digit in the random key (e.g. block exchange), etc. may be set according to practical situations.
One specific embodiment of obtaining a new operation algorithm by changing the operation parameters of the preset algorithm is as follows: if the preset algorithm includes two constants, 1 and 2, respectively, and also includes an unknown term X. And a random key obtained randomly according to the application information of the unique identification user is 73124568, specifically, the 3 rd bit in the random key represents the fixed parameter, and X in the preset algorithm is 1, so as to form a new operation algorithm. Of course, in another embodiment, the existing constant term in the preset algorithm may also be changed according to 1 in bit 3, such as changing the existing second constant 2 to 1 in bit 3, i.e. the generated operation algorithm has both constants of 1.
As a complete example, if the first bit in the generated random key represents the operation priority, the second bit represents the packet structure, and the third bit represents the constant term. At this time, if the generated random key is 35781246, a5 and a1 in the packet block perform adjustment to change the packet structure, and a3 performs a priority operation while changing a constant to 7 in the operation algorithm, thereby generating an operation algorithm uniquely associated with the user.
As another embodiment, the terminal is a mobile phone, the recharge application is a mobile banking application APP, and the network payment system is a mobile banking system. When the user logs in the mobile banking APP for the first time, after the user name and the login password are input in the login interface of the mobile banking APP, the mobile banking system verifies the user name and the login password, then verifies the short message verification code, finally generates a security plug-in the authentication server, and returns the security plug-in to the terminal for storage.
In this embodiment, the authentication server authenticates the order authentication code generated by the payment application in addition to the payment authentication code generated by the payment application. Specifically, in the terminal, after a user inputs a terminal number and a recharging amount in a payment application, a recharging request is generated and sent to a network payment system; meanwhile, the recharging information is submitted to a safety plug-in stored in the terminal; and then, taking the order information and the application information extracted from the safety plug-in as calculation factors, performing calculation by using a calculation algorithm to generate an order authentication code, and sending the generated order authentication code and the order information to the network payment system through the recharging application. In the authentication server, the order information forwarded by the network payment system and the application information extracted from the security plug-in are used as calculation factors, an operation algorithm is used for performing operation to generate an order check code, and the order authentication code forwarded by the network payment system is verified according to the generated order check code, so that the payment authentication of the user is realized. In this embodiment, only if the order authentication in the authentication server is successful, the subsequent recharging request authentication process is entered, that is, the network payment system sends the payment authentication request of the user to the authentication server according to the received recharging request. More specifically, the order information at least includes a terminal number and a recharge amount, and the order information includes important information related to the recharge service in the process, such as the terminal number, the recharge amount, and the like.
As shown in fig. 2, which is a schematic structural diagram of an embodiment of the network payment system provided by the present invention, the network payment system is respectively in communication connection with a top-up application, an authentication server and a top-up server in a terminal, and as can be seen from the figure, the network payment system 100 specifically includes: the payment system comprises a first information transceiver module 110, a payment module 120 and a recharge result issuing module 130, wherein the first information transceiver module is respectively connected with the payment module 120 and the recharge result issuing module 130, and the payment module 120 is connected with the recharge result issuing module 130.
In the working process, firstly, the first information transceiver module 110 receives the recharging request sent by the recharging application 310, and sends the payment authentication request of the user to the authentication server according to the recharging request; subsequently, the payment module 120 responds to the recharge request according to the payment authentication result of the authentication server; finally, the recharge result issuing module 130 issues the recharge result received by the first information transceiver module 110 to the recharge application, so as to implement the recharge operation of the terminal.
As shown in fig. 3, in the present embodiment, the network payment system 100 includes an information verification module 140 and a storage module 150 for verifying login information received by the first information transceiver module 110, in addition to the first information transceiver module 110, the payment module 120 and the recharge result issuing module 130.
In a specific embodiment, the user logs in the network payment system APP using the login information to establish a communication channel between the network payment system APP and the network payment system 100. Specifically, after the first information transceiver module 110 receives the login information, the information verification module 140 compares the login information with the registered user list stored in the storage module 150 (the registered user list generated by registering each user in the network payment system 100 before recharging), and completes verification of the login information. If the relevant information is found in the registered user list, the authentication is successful, the homepage of the user is displayed in the APP interface, and further relevant functions (such as telephone charge recharging service) are selected from the service options in the homepage, and the payment module 120 is used to complete subsequent payment operations. On the contrary, if the network payment system 100 fails to verify the login information, the verification failure information is fed back to the login interface immediately, and the user is prompted to re-input the verification information.
The above embodiment is improved to obtain the present embodiment, and in the present embodiment, the first information transceiver module is further configured to receive an order authentication result sent by the authentication server, and send an order authentication request and order information of the user to the authentication server. Specifically, after receiving the recharging request, the order information and the order authentication code sent by the payment application, the first information transceiver module immediately sends the order information and the order authentication code to the authentication server. After the authentication server authenticates the order authentication code, the first information receiving and sending module receives an order authentication result issued by the authentication server. And when the received order authentication result is that the order authentication is successful, further sending a payment authentication request to an authentication server to enter subsequent payment authentication.
Fig. 4 is a schematic diagram of a payment state management system, which is applied to the terminal recharging method and includes the network payment system 100, a recharging application in a terminal, an authentication server, and a recharging server, where the terminal and the authentication server respectively store a security plug-in uniquely associated with the recharging application, and the security plug-in includes application information and an operation algorithm uniquely associated with a user; wherein,
the recharging application comprises the following steps: the second information transceiver module 311 is configured to send a recharge request, receive a challenge code issued by the authentication server, and send a payment authentication code generated by the security plug-in 320 to the authentication server.
The security plug-in 320 includes: a first information extraction module 321, configured to extract application information and a challenge code received in a top-up application; and an authentication code generation module 322, configured to use the extracted application information and challenge code as calculation factors and perform an operation using an operation algorithm uniquely associated with the user to generate a payment authentication code.
The authentication server 200 includes: the third information transceiver module 210, the challenge code generation module 220, the authentication code verification module 230, the second information extraction module 240, and the verification code generation module 250, wherein the challenge code generation module 220 and the authentication code verification module 230 are respectively connected to the third information transceiver module 210, the second information extraction module 240 is respectively connected to the challenge code generation module 220 and the verification code generation module 250, and the verification code generation module 250 is connected to the authentication code verification module 230. The third information transceiver module 210 is configured to receive a payment authentication request sent by the network payment system 100, receive a payment authentication code generated by the top-up application 310, send a generated challenge code to the top-up application 310, and send a payment authentication result to the network payment system 100; the challenge code generating module 220 randomly generates a challenge code according to the payment authentication request received by the third information transceiver module 210; the second information extraction module is used for extracting the application information and the generated challenge code; the check code generation module is used for taking the extracted application information and the challenge code as calculation factors and carrying out operation by using an AND operation algorithm to generate a payment check code; the authentication code verifying module 230 is used for verifying the payment authentication code received by the third information transceiver module 210.
In the working process, the second information transceiver module 311 in the recharge application 310 receives the challenge code issued by the third information transceiver module 210 in the authentication server 200, and forwards the received challenge code to the first information extraction module 310 in the security plug-in 320; meanwhile, the first information extraction module 321 extracts the application information, and forwards the challenge code and the application information to the challenge code generation module 220 at the same time; then, the challenge code generating module 220 takes the application information and the challenge code as calculation factors, performs calculation by using a calculation algorithm uniquely associated with the user to generate a payment authentication code, and forwards the payment authentication code to the second information transceiving module 311; finally, the second information transceiver module 311 transmits the payment authentication code to the authentication server 200.
After the third information transceiver module 210 in the authentication server 200 receives the payment authentication code, the second information extraction module 240 extracts the application information in the security plug-in and the generated challenge code (stored in the authentication server 200 and used for uniquely associating with the security plug-in) and sends the extracted application information and the generated challenge code to the check code generation module 250, and the check code generation module 250 generates the payment check code by using the application information and the generated challenge code as calculation factors and by using an operation algorithm uniquely associated with the user; finally, the authentication code verification module 230 compares the generated payment verification code with the received payment authentication code, and completes the payment authentication for the user.
If the payment authentication code is successfully verified, the user is a legal user, and the network payment system is authorized to pay out corresponding recharging amount to the recharging server; otherwise, the user is an illegal user and does not enter subsequent operation. And finally, the recharging server finishes recharging the terminal according to a recharging request sent by the network payment system, returns the recharging completion to the network payment system, and the network payment system forwards the recharging completion to the payment application for display so as to finish recharging the terminal.
The above embodiment is improved to obtain the present embodiment, in the present embodiment, the second information transceiver module in the recharge application is further configured to send the generated order authentication code and the order information; the authentication code generation module in the security plug-in is also used for taking the extracted application information as a calculation factor and using an operation algorithm to perform operation to generate an order authentication code; the third information transceiver module in the authentication server is also used for receiving order information and order authentication codes sent by the network payment system and sending an order authentication result to the network payment system; the check code generation module is also used for taking the order information forwarded by the network payment system and the application information extracted from the security plug-in as calculation factors and using an operation algorithm to carry out operation to generate an order check code; and the authentication code verification module is used for verifying the order authentication code received by the third information receiving and transmitting module according to the order check code generated by the check code generation module.
Specifically, in the terminal, after a user inputs a terminal number and a recharge amount in a payment application, a recharge request is generated and sent to the network payment system through the second information transceiver module; and meanwhile, the recharging information is submitted to the safety plug-in unit stored in the terminal through the second information transceiver module. And then, the authentication code generation module takes the order information and the application information extracted from the security plug-in as calculation factors, uses an operation algorithm to carry out operation to generate an order authentication code, and sends the generated order authentication code and the order information to the network payment system through the second information transceiver module.
In the authentication server, a check code generating module takes the order information forwarded by the network payment system and the application information extracted from the security plug-in by the second information extracting module as calculation factors and uses an operation algorithm to perform operation to generate an order check code; and then, the authentication code verification module verifies the order authentication code forwarded by the network payment system according to the generated order check code so as to realize the payment authentication of the user. In the embodiment, only if the order authentication in the authentication server is successful, the subsequent recharging request authentication process is entered, that is, the network payment system sends the payment authentication request of the user to the authentication server according to the received recharging request. More specifically, the order information at least includes a terminal number and a recharge amount, and the order information includes important information related to the recharge service in the process, such as the terminal number, the recharge amount, and the like.
More specifically, the application information is all information related to the recharging application, including user information used to identify all information of the current payment or status of the user, such as a user name, a login password, a geographic location, and the like; the method also comprises the use behaviors of the recharging application, such as payment time, transaction information and the like; in addition, all information for identifying the device is also included, such as IMEI (International Mobile Equipment Identity), IMSI (International Mobile Subscriber Identity), device model, device brand, manufacturer, CPU (Central Processing Unit), MAC (Media Access Control) address, IP (Internet Protocol, Protocol for interconnection between networks) address, and the like.
According to the above embodiment, if a user logs in the network payment system 100 for the first time, the user needs to register in the network payment system 100 and generate and issue a security plug-in the authentication server 200, which includes the following specific steps:
a user inputs a user name and a login password in a login interface of an APP (application) of the network payment system, generates a registration request and sends the registration request to the network payment system 100; after receiving the registration request, the network payment system 100 first verifies the user name input by the user (specifically, in this process, the network payment system 100 searches in the current registered user list according to the received user name, and if the same user name is not found, the verification is successful); if the user name passes the verification, the network payment system 100 stores the user name and the login password in association with each other in the current registered user list to form a new registered user list, and returns the verification result to the application APP.
The application APP receives the verification result, extracts application information (such as a user mobile phone and the like) capable of uniquely identifying the user, generates a short message verification code request and sends the short message verification code request to the network payment system 100; after receiving the verification code request, the network payment system 100 randomly generates a verification code and feeds the verification code back to the mobile phone; the mobile phone receives and displays the verification code, inputs the verification code in the application APP, and simultaneously generates a verification code authentication request to the network payment system 100 by the application APP; the network payment system 100 receives the verification code authentication request to authenticate the verification code; if the authentication is successful, the application information and security plug-in 320 generates a request to the authentication server 200.
The authentication server 200 receives the security plug-in generation request, changes the operation priority and/or the grouping structure and/or the operation parameter of the preset algorithm according to the application information of the unique identification user, and generates an operation algorithm; the generated operation algorithm is compiled into a security plug-in, and the generated security plug-in is returned to the recharging application via the network payment system 100 and stored in the terminal.
As can be seen, the authentication server 200 further includes: an algorithm reconstruction module and a plug-in compiling module, wherein the algorithm reconstruction module is used for changing the operation priority and/or the grouping structure and/or the operation parameters of the preset algorithm according to the safety plug-in generation request received by the third information transceiver module 210 and the application information of the unique identification user to generate an operation algorithm; and a plug-in compiling module, configured to compile an operation algorithm generated by the algorithm reconstruction into a secure plug-in, and return the generated secure plug-in to the recharge application 310 through the network payment system 100 by the third information transceiver module 210, where a specific algorithm reconstruction process is described in the terminal recharge method, and details are not repeated here.
It should be noted that the above embodiments can be freely combined as necessary. The foregoing is only a preferred embodiment of the present invention, and it should be noted that, for those skilled in the art, various modifications and decorations can be made without departing from the principle of the present invention, and these modifications and decorations should also be regarded as the protection scope of the present invention.
Claims (15)
1. A terminal recharging method is characterized in that the method is applied to a network payment system, the network payment system is respectively in communication connection with a recharging application, an authentication server and a recharging server in a terminal, and the terminal recharging method comprises the following steps:
s10 receiving a recharging request sent by a recharging application, wherein the recharging request comprises a terminal number and a recharging amount;
s20 sending payment authentication request of user to authentication server according to the recharging request;
s30, according to the payment authentication result of the authentication server, paying the corresponding recharging amount in the recharging request, and sending the recharging request to the recharging server to complete the recharging of the terminal;
and S40 receiving the recharging result fed back by the recharging server and sending the recharging result to the recharging application.
2. The terminal recharging method of claim 1, wherein a security plug-in uniquely associated with the recharging application is stored in the terminal and the authentication server respectively, so as to implement payment authentication of the authentication server to the user, and the security plug-in includes application information and an operation algorithm uniquely associated with the recharging application.
3. The terminal recharging method of claim 2, wherein in step S30, before the authentication server performs payment authentication on the user, the method further comprises the steps of obtaining an operation algorithm and compiling the operation algorithm into a security plug-in according to application information submitted by the recharging application, and specifically comprises:
s01 generating a random number according to the received application information and setting the random number as a key parameter;
s02, reconstructing a preset algorithm according to the key parameters to obtain an operation algorithm;
s03, the received application information and the generated operation algorithm are compiled together to obtain the security plug-in and the security plug-in is issued to the recharging application.
4. The terminal recharging method of claim 3, wherein in the step S02, the step of reconstructing the preset algorithm to obtain the operation algorithm specifically comprises:
changing the operation sequence of a preset algorithm according to the key parameter to obtain an operation algorithm; and/or the presence of a gas in the gas,
changing the structure of the grouped data blocks of the preset algorithm and the operation sequence of the corresponding grouped data blocks according to the key parameters to obtain an operation algorithm; and/or the presence of a gas in the gas,
and changing the fixed parameters of the preset algorithm according to the key parameters to obtain the operation algorithm.
5. The terminal recharging method of any one of claims 2-4, wherein in step S30, the step of authenticating the payment of the user by the authentication server specifically comprises:
in the terminal, the challenge code issued by the authentication server according to the payment authentication request and the application information extracted from the security plug-in are used as calculation factors, a calculation algorithm is used for calculating to generate a payment authentication code, and the generated payment authentication code is sent to the network payment system through the recharging application;
in the authentication server, the challenge code generated according to the payment authentication request and the application information extracted from the security plug-in are used as calculation factors, calculation is carried out by using a calculation algorithm to generate a payment check code, and the payment authentication code forwarded by the network payment system is verified according to the generated payment check code, so that the payment authentication of the user is realized.
6. The terminal recharging method of any one of claims 2-4, further comprising, before step S20, the step of authenticating the user' S order by an authentication server, specifically comprising:
in the terminal, taking the order information and the application information extracted from the security plug-in as calculation factors, performing calculation by using a calculation algorithm to generate an order authentication code, and sending the generated order authentication code and the order information to the network payment system through the recharging application;
in the authentication server, the order information forwarded by the network payment system and the application information extracted from the security plug-in are used as calculation factors, an operation algorithm is used for performing operation to generate an order check code, and the order authentication code forwarded by the network payment system is verified according to the generated order check code, so that the payment authentication of the user is realized.
7. The terminal recharging method of any one of claims 1-4, wherein in step S10, the step of receiving the recharging request sent by the recharging application specifically comprises:
s11, receiving and verifying login information sent by the recharging application, wherein the login information at least comprises a user name and a login password;
s12 receives the recharge request sent by the recharge application after the login information is successfully verified.
8. The terminal recharging method of any one of claims 1-4, wherein in step S30, the step of responding to the recharging request according to the payment authentication result of the authentication server specifically comprises: and if the payment authentication in the authentication server is successful, paying the corresponding recharging amount, and sending a recharging request to the recharging server to finish recharging the terminal.
9. The terminal recharging method of claim 6, wherein in step S20, the step of sending the payment authentication request of the user to the authentication server according to the recharging request specifically comprises: and if the order authentication in the authentication server is successful, sending a payment authentication request of the user to the authentication server according to the received recharging request.
10. The network payment system is characterized in that the network payment system is respectively in communication connection with a recharging application, an authentication server and a recharging server in a terminal, and the network payment system specifically comprises:
the first information transceiver module is used for receiving a recharging request sent by the recharging application, receiving a payment authentication result sent by the authentication server, receiving a recharging result sent by the recharging server, sending a payment authentication request of a user to the authentication server and sending the recharging request to the recharging server;
the payment module is used for paying the corresponding recharging amount in the recharging request according to the payment authentication result received by the first information transceiver module;
and the recharging result issuing module is used for issuing the recharging result received by the first information receiving and sending module to the recharging application.
11. The network payment system of claim 10,
the network payment system also comprises an information verification module and a storage module, wherein,
the storage module is used for storing a registered user list, and the registered user list comprises login information of registered users in the network payment system;
the information verification module verifies the login information received by the first information transceiver module according to the login information of each registered user stored in the storage module, so as to realize the login of the user in the network payment system.
12. The network payment system of claim 10 or 11, wherein in the network payment system: the first information transceiver module is further used for receiving the order authentication result sent by the authentication server and sending the order authentication request and the order information of the user to the authentication server.
13. A terminal recharging system, characterized in that the terminal recharging system comprises the network payment system according to any one of claims 10-12, and further comprises a recharging application, an authentication server and a recharging server in the terminal, wherein the terminal and the authentication server respectively store a security plug-in uniquely associated with the recharging application, and the security plug-in comprises application information and an operation algorithm uniquely associated with a user; wherein,
the recharge application comprises:
the second information transceiver module is used for sending a recharging request, receiving the challenge code issued by the authentication server and sending the payment authentication code generated by the security plug-in to the authentication server;
the safety plug-in unit comprises:
the first information extraction module is used for extracting the application information and the challenge code received in the recharging application;
the authentication code generation module is used for taking the extracted application information and the challenge code as calculation factors and performing calculation by using an and calculation algorithm to generate a payment authentication code;
the authentication server includes:
the third information transceiver module is used for receiving a payment authentication request sent by the network payment system, receiving a payment authentication code generated by the recharging application, sending the generated challenge code to the recharging application and sending a payment authentication result to the network payment system;
the challenge code generating module randomly generates a challenge code according to the payment authentication request received by the third information transceiver module;
the second information extraction module is used for extracting the application information and the generated challenge code;
the check code generation module is used for taking the extracted application information and the challenge code as calculation factors and carrying out operation by using an AND operation algorithm to generate a payment check code;
the authentication code verification module is used for verifying the payment authentication code received by the third information transceiver module according to the payment verification code generated by the verification code generation module;
and the recharging server is used for completing recharging of the terminal according to a recharging request sent by the network payment system.
14. The terminal refill system of claim 13,
the second information transceiver module in the recharging application is also used for sending the generated order authentication code and the order information;
the authentication code generation module in the security plug-in is also used for taking the extracted application information as a calculation factor and using an operation algorithm to perform operation to generate an order authentication code;
the third information transceiver module in the authentication server is also used for receiving order information and order authentication codes sent by the network payment system and sending an order authentication result to the network payment system;
the check code generation module is also used for taking the order information forwarded by the network payment system and the application information extracted from the security plug-in as calculation factors and using an operation algorithm to carry out operation to generate an order check code;
and the authentication code verification module is used for verifying the order authentication code received by the third information receiving and transmitting module according to the order check code generated by the check code generation module.
15. The terminal recharging system of claim 13 or 14, wherein the authentication server further comprises:
the random number generation module is used for generating a random number according to the received application information and setting the random number as a key parameter;
the algorithm reconstruction module is used for changing the operation sequence of the preset algorithm according to the key parameter to obtain an operation algorithm, and/or changing the structure of the grouped data blocks of the preset algorithm and the operation sequence of the corresponding grouped data blocks according to the key parameter to obtain the operation algorithm, and/or changing the fixed parameter of the preset algorithm according to the key parameter to obtain the operation algorithm;
and the plug-in compiling module is used for compiling the application information and the operation algorithm into the safety plug-in, and the third information receiving and sending module returns the generated safety plug-in to the recharging application.
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| CN201610895915.2A CN106485480A (en) | 2016-10-13 | 2016-10-13 | A kind of terminal recharge method and system, a kind of network payment system |
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| CN201610895915.2A CN106485480A (en) | 2016-10-13 | 2016-10-13 | A kind of terminal recharge method and system, a kind of network payment system |
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Application publication date: 20170308 |