CN106651351A - Mobile phone payment method and system - Google Patents
Mobile phone payment method and system Download PDFInfo
- Publication number
- CN106651351A CN106651351A CN201510459425.3A CN201510459425A CN106651351A CN 106651351 A CN106651351 A CN 106651351A CN 201510459425 A CN201510459425 A CN 201510459425A CN 106651351 A CN106651351 A CN 106651351A
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- Prior art keywords
- application
- mobile phone
- security domain
- sim
- security
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
Abstract
The invention discloses a mobile phone payment method and system. The method comprises the following steps: binding an MDN number of a SIM card, a mobile phone IMEI number and corresponding account information; dividing an SIM card space into a plurality of security domains, and performing isolation through a firewall, wherein each security domain is corresponding to one specific application item; and starting an application client of a mobile phone to complete corresponding payment operation. According to the invention, through binding the MDN number, the mobile phone IMEI number and a background user account, unification of a mobile phone number and a hardware number is realized, and the security is effectively improved. The multiple different domains are provided, different applications are correspondingly arranged, mutual independent operation between the applications is realized, the expandability and the security are good, and the needs for multiple different payment and applications can be well satisfied. Some new financial or other financing demands of users can also be satisfied continuously through continuous updating and superposition of new functions at the application client.
Description
Technical field
The present invention relates to mobile terminal application, more particularly to a kind of hand set paying method and its system.
Background technology
In the existing means of payment, traditional being paid in cash more bother, and needs user to carry cash, especially
When it is paid in the little amount of money, looking for for cash is continuous etc. cumbersome.Although emerging quick payment can
Small amount payment is conveniently accomplished, but its security is relatively low, the bank account that binding is used is existed very big
Payment risk.And, the existing convenient means of payment cannot effectively integrate different functional applications,
Use range is more single, it is impossible to the extensive demand for covering different crowd.In addition, in block trade generally
The ticket payment mode such as check, letter of credit for using equally exists certain risk and inconvenience on using,
Especially in the case of bill loss.
And, the existing convenient means of payment is more single, it is impossible to and the combination that other different applications are good,
A variety of needs during the interaction between different application is realized to meet life.
Therefore, prior art is also to be developed.
The content of the invention
In view of above-mentioned the deficiencies in the prior art part, it is an object of the invention to provide a kind of hand set paying method
And its system, it is intended to solving the means of payment in prior art cannot cover different crowd demand, there is higher friendship
Easily risk, cannot be with the problem of other application good combination.
In order to achieve the above object, this invention takes technical scheme below：
A kind of hand set paying method, wherein, methods described includes：The MDN numbers of binding SIM card, mobile phone
IMEI number and corresponding accounts information；SIM space is divided into into several security domains, by fire wall
Isolated；One specific application item of each security domain correspondence；Start the applications client of mobile phone, it is complete
Into corresponding delivery operation.
Described hand set paying method, wherein, the security domain is the region being logically independent；The safety
Domain includes main security domain and auxiliary security domain.
Described hand set paying method, wherein, the application item includes that operator's application, financial service should
With, integrated application.
Described hand set paying method, wherein, methods described also includes：To mobile phone and its SIM for using
Authenticated；After authentication success, dynamic download application or third party derive application, and foundation forms multi-functional
Electronic wallet application.
Described hand set paying method, wherein, methods described also includes：Digital certificate is preset in into SIM to deposit
In storage space.
A kind of hand call payment system, wherein, the system includes：
Binding module, for the MDN numbers of binding SIM card, mobile phone IMEI number and corresponding account letter
Breath；Partition security domain module, for SIM space to be divided into into several security domains, is entered by fire wall
Row isolation；Security domain setup module, for arranging corresponding application-specific project in each security domain；Should
With client, for providing User Interface, corresponding delivery operation is completed.
Described hand call payment system, wherein, the security domain is the region being logically independent；The safety
Domain includes main security domain and auxiliary security domain.
Described hand call payment system, wherein, the application item includes that operator's application, financial service should
With, integrated application.
Described hand call payment system, wherein, the system also includes authentication module, and the authentication module is used
In authenticating to mobile phone and its SIM for using；The mobile phone is used for, and is authenticating successfully, afterwards under dynamic
Application or the derivative application of third party are carried, foundation forms multi-functional electronic wallet application.
Described hand call payment system, wherein, the system also includes digital certificate module, for by numeral
Certificate is preset in SIM memory spaces.
Beneficial effect：The present invention provide a kind of hand set paying method and its system, by bind MDN numbers,
Mobile phone IMEI number and background user account, realize the unification of phone number, hardware number, effectively carry
High security.And there is provided multiple different security domains and different applications are correspondingly arranged, realize application
Between separate operation, with good expansibility and security, can be good meet various differences
Payment, application need.Can also be by the continuous renewal of applications client, superposition New function with continuous
Meet some new financial or other financial needs of user.
Description of the drawings
Fig. 1 is the method flow diagram of the hand set paying method of the specific embodiment of the invention.
Fig. 2 is the structured flowchart of the hand call payment system of the specific embodiment of the invention.
Fig. 3 is the schematic diagram of the embodiment that the method for the invention combines IC-card.
Fig. 4 is the specifically used enforcement schematic diagram of the method for the invention.
Specific embodiment
The present invention provides a kind of hand set paying method and its system.For make the purpose of the present invention, technical scheme and
Effect is clearer, clear and definite, and the present invention is described in more detail for the embodiment that develops simultaneously referring to the drawings.Should
Work as understanding, specific embodiment described herein only to explain the present invention, is not intended to limit the present invention.
As shown in figure 1, for a kind of hand set paying method of the specific embodiment of the invention.Methods described includes
S1, the MDN numbers of binding SIM card, mobile phone IMEI number and corresponding accounts information.It is described to tie up
Fixed operation specifically can be completed by the third-party institution of authority, and binding information is stored in good specific of security
In database or server.For example, authorize China Mobile to be bound, be stored in after binding
In HLR.
The MDN numbers refer to Mobile Directory Number, CDMA (Code Division Multiple
Access, CDMA) network user personal mobile phone number, be also the phone of mobile subscriber's external disclosure
Number, also referred to as " phone number "；The IMEI number refers to mobile device world identification code, is also called
International Mobile Station Equipment Identification.It is the unique identification number of mobile phone, and it is corresponded with every mobile phone, and
The code is that the whole world is unique, i.e., daily alleged " mobile phone string number ".The accounts information can be that user appoints
What, the property account that can be controlled for example belongs to storage account, credit card, the stock of different bank
Ticket account etc..
By binding above three number, can determine between phone number, mobile phone and personal account only
One corresponding relation is so as to greatly ensure that the security of user's property.There are special circumstances, for example, losing
During mobile phone, user avoids the situation of the stolen brush of interlock account from occurring by only need to timely reporting the loss phone number.
S2, SIM space is divided into into several security domains, is isolated by fire wall.Traditional SIM
Card is limited to that memory space is too small, and general cannot realize more functions.And it is continuous with prior art
Development, SIM memory capacity (mainly EEPROM) constantly increases, and amplification industry is provided on the sim card
Business becomes main flow (such as STK) gradually.It is above-mentioned directly to carry out on the sim card using/amplification payment transaction
Setting, realization that can be more convenient pays, such as when user needs to change mobile phone, it is only necessary to
Original SIM is inserted into into new mobile phone, and without the need for carrying out the operation such as binding on new cell-phone.With reference to
In view of the security requirement for paying application, the memory space in SIM is divided into into several independent peaces
Universe can effectively improve the security of payment.
Certainly, the SIM can be combined with existing RFID technique, integrate existing IC-card module,
For example possess some functions of JAVA card, so as to realize more easily utilizing.For example, in SIM
After with reference to tether-free technologies (such as RFID), only need to be after corresponding equipment be disposed in corresponding market etc.
Realize that mobile phone card-brushing pays.Aforesaid way directly can also on the sim card be integrated with the functions such as credit card, tool
There is extraordinary expansibility energy.
It is preferred that digital certificate is preset in SIM memory spaces, carry out in order to be called at any time
Checking.And, in being stored in SIM memory space, security and stability are more preferably.
Specifically, the security domain is the region being logically independent.The security domain can include main security domain
And auxiliary security domain.The main security domain (ISD) is usually that mobile operator is carried out to SIM content
The part of management, can specifically undertake following responsibility：Order distribution, manage using selection, logic channel,
Using API is provided, for application security service etc. is provided.The auxiliary security domain (SSD) and main security domain
It is similar to very much, but the typically representative part of other application project provider, its responsibility and authority are less than main peace
Universe.
S3, each security domain one specific application item of correspondence.By ready-portioned security domain respectively with it is each
Specific application item correspondence, as the representative of the application item provider on card.Wherein, the application
Project can include：Operator's application (as described above, generally corresponding with main security domain), financial service should
With, integrated application and some other expansion application.
S4, the applications client for starting mobile phone, complete corresponding delivery operation.Need to complete a certain in user
Using or application delivery operation when, start already installed on the applications client in mobile phone, according to client
The guidance of end subscriber interactive interface can complete delivery operation.The client is by operator or application item
Provider is provided.
It should be noted that the mobile phone reality of certain intelligence degree can be possessed using existing any suitable
Existing above-mentioned hand set paying method.The form of the client software then can be by specifically used mobile phone operation system
System environment is determined.
In the preferred embodiment, the hand set paying method also includes applying download step：First,
Mobile phone and its SIM for using are authenticated.Then, authentication success after, dynamic download application or
The derivative application of third party, foundation forms multi-functional electronic wallet application.That is, can be using such a electricity
Sub- wallet：Include some main functionalities set in advance under the stored value card project.Then, user's foundation
Itself needs, and application oneself needs, interested is selected in various derivative applications, and for example, lottery ticket exists
Line purchase, the payment of water power coal etc..
As shown in Fig. 2 a kind of specific embodiment of the hand call payment system provided for the present invention.Wherein, institute
The system of stating includes：Binding module 100, for the MDN numbers of binding SIM card, mobile phone IMEI number and right
The accounts information answered.Partition security domain module 200, for SIM space to be divided into into several security domains,
Isolated by fire wall.Security domain setup module 300, for arranging corresponding in each security domain
Application-specific project.Applications client 400, for providing User Interface, completes corresponding payment and grasps
Make.The function of the binding module can be realized by the background control system of authoritative institution, such as mobile to take
The control system of business operator.Certainly, after binding, unbinding and modification binding letter can also be provided
The service of breath.In order to ensure information safety, above-mentioned unbinding and modification binding information authority should set
Higher rank is set to, the binding information is possibly stored in a specific database.
Specifically, some security domains that partition security domain module 200 is divided are the region being logically independent.Institute
Security domain is stated including main security domain and auxiliary security domain.The application item can include operator's application, gold
Melt be served by, integrated application, for example fine payment, life payment etc..
It is preferred that the system also includes authentication module, the authentication module is used for mobile phone and its uses
SIM authenticated；The mobile phone is used for, authenticating successfully, rear dynamic download application or third party
Derivative application, foundation forms multi-functional electronic wallet application.
In a specific embodiment of the present invention, the system also includes digital certificate module, for by numeral
Certificate is preset in SIM memory spaces.
Embodiment 1
The embodiment of IC-card is combined using the method for the invention：
As shown in figure 3, first, IC-card is provided by third party's operator.Then, respectively by mobile clothes
Business operator write SIM, the other application items of third-party application Project in Operation company write, for example：
Certain bank's write financial service application item, urban mass-transit system write traffic application item, other third parties
Payment Card (such as insurance, medical services).Above- mentioned information is respectively arranged at the different storage zone/sky of IC-card
Between in.
Embodiment 2
Using the specifically used example of the method for the invention：
As shown in figure 4, (being carried out big using the bank card of the method for the invention and system, entity part
Volume pay) and cash change (carrying out small amount payment) respectively with the bank card and change account of virtual part
Family is corresponding.During using the method for the invention, by cell-phone number, realize bank card wholesale pay and
The small amount payment of change account.Wherein, the remaining sum of the change account can limit amount by Bank Account Number
Inside transferred.Because change account possesses off-line trading, mode of doing business is convenient rapidly, and transaction risk is little
The characteristics of.Therefore, it can be convenient to use change account carries out small amount payment, reduces transaction risk and cost.
It is understood that for those of ordinary skills, can be with technology according to the present invention scheme
And present inventive concept in addition equivalent or change, and all these changes or replace and should all belong to institute of the present invention
Attached scope of the claims.
Claims (10)
1. a kind of hand set paying method, it is characterised in that methods described includes：
The MDN numbers of binding SIM card, mobile phone IMEI number and corresponding accounts information；
SIM space is divided into into several security domains, is isolated by fire wall；
By one specific application item of each security domain correspondence；
Start the applications client of mobile phone, complete corresponding application item delivery operation.
2. hand set paying method according to claim 1, it is characterised in that the security domain is to patrol
Collect upper independent region；The security domain includes main security domain and auxiliary security domain.
3. hand set paying method according to claim 1, it is characterised in that the application item bag
Include operator's application, financial service application, integrated application.
4. hand set paying method according to claim 1, it is characterised in that methods described also includes：
Mobile phone and its SIM for using are authenticated；
After authentication success, dynamic download application or third party derive application, and foundation forms multi-functional electronics
Purse application.
5. hand set paying method according to claim 1, it is characterised in that methods described also includes：
Digital certificate is preset in SIM memory spaces.
6. a kind of hand call payment system, it is characterised in that the system includes：
Binding module, for the MDN numbers of binding SIM card, mobile phone IMEI number and corresponding account letter
Breath；
Partition security domain module, for SIM space to be divided into into several security domains, is entered by fire wall
Row isolation；
Security domain setup module, for arranging corresponding application-specific project in each security domain；
Applications client, for providing User Interface, completes corresponding delivery operation.
7. hand call payment system according to claim 6, it is characterised in that the security domain is to patrol
Collect upper independent region；The security domain includes main security domain and auxiliary security domain.
8. hand call payment system according to claim 6, it is characterised in that the application item bag
Include operator's application, financial service application, integrated application.
9. hand call payment system according to claim 6, it is characterised in that the system is also wrapped
Authentication module, the authentication module is used to authenticate mobile phone and its SIM for using；
The mobile phone is used for, and is authenticating successfully, and rear dynamic download application or third party derive application, set up
Form multi-functional electronic wallet application.
10. hand call payment system according to claim 6, it is characterised in that the system also includes
Digital certificate module, for digital certificate to be preset in SIM memory spaces.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510459425.3A CN106651351B (en) | 2015-07-31 | 2015-07-31 | A kind of hand set paying method and its system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510459425.3A CN106651351B (en) | 2015-07-31 | 2015-07-31 | A kind of hand set paying method and its system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN106651351A true CN106651351A (en) | 2017-05-10 |
| CN106651351B CN106651351B (en) | 2018-07-06 |
Family
ID=58815210
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510459425.3A Active CN106651351B (en) | 2015-07-31 | 2015-07-31 | A kind of hand set paying method and its system |
Country Status (1)
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2021147296A1 (en) * | 2020-01-23 | 2021-07-29 | 中国银联股份有限公司 | Qr code payment method and system employing mobile phone business card |
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| US20080319911A1 (en) * | 2007-06-22 | 2008-12-25 | Faith Patrick L | Financial transaction token with onboard power source |
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| WO2021147296A1 (en) * | 2020-01-23 | 2021-07-29 | 中国银联股份有限公司 | Qr code payment method and system employing mobile phone business card |
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| Publication number | Publication date |
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| CN106651351B (en) | 2018-07-06 |
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