CN104023142B - A mobile phone that can send SMS money - Google Patents

Abstract

The present invention relates to a kind of mobile phone sending note coin, it is made up of mobile phone and bank card, the coin of the note sent from mobile phone alternatively papery cash, participate in commodity transaction activity among the people directly, described note coin only circulates between the mobile phone being custom made with note coin function, and it is a kind of economy, safe, quick and easy transaction money receipt and payment mode.

Description

A mobile phone that can send SMS money

Technical field:

The invention relates to a mobile phone capable of sending short message money, which is composed of a mobile phone and a bank card. The short message sent from the mobile phone is used as money replacing paper cash, and directly participates in private commodity trading activities. It is an economical, safe, fast and convenient way to receive and pay transaction funds.

current technology:

At present, in many business activities, especially online shopping, customers often use electronic payment tools such as electronic wallets, credit cards, and electronic cash to realize instant, safe and reliable online shopping payment. In online shopping, there are many merchant site links in the e-wallet, through which consumers can directly enter the merchant site for shopping. Due to the characteristics of fast and convenient electronic payment, there are various electronic payment cards in the society. However, due to the variety of card issuers and different technical standards, it cannot be settled in a unified manner on the Internet, and it is impossible to realize the payment of commodity transactions between individuals. Safe payment.

Invention content:

At present, most commodity trading markets and stores use paper cash for payment. Since IC cards are easy to be forged, it is difficult to realize mutual verification of the identities of both parties in the open commodity trading market. Therefore, electronic payment tools such as bank IC cards cannot be used in a safe and reliable way. Participate in open commodity market activities. If electronic cash wants to replace paper cash and directly participate in non-governmental commodity trading activities, it must have two-way authentication of both parties to the transaction and fast, safe, convenient and economical transaction conditions.

The invention discloses a mobile phone capable of sending text messages and coins, which is composed of a mobile phone and a bank card. The bank card and its bank card slot are the same as the SIM card. The small and medium-sized bank card of the mobile phone is inlaid on a large card. slot. Bank outlets or ATMs are equipped with small-sized bank card holders, which are used to load small-sized bank cards for reading and writing, so that small-sized bank cards can be used for recharging and withdrawing money on mobile phones and bank outlets or ATM machines.

When the customer customizes the money function of the mobile phone text message at the bank, he must hold an ID card and perform real-name registration. The customer's bank account code is independent and not shared with the bank account code A used for recharging, withdrawing, and transferring funds. The mobile phone with the function of sending text messages and coins is only used for payment and receipt of private commodity transactions after leaving the bank branch or ATM. It realizes the verification of both parties of the transaction through the issuing bank, and each transaction has a record.

The bank card uses a contact logic encrypted IC card, which is a special integrated circuit chip embedded in a plastic substrate and packaged into an IC card. The bank card is made of AT88SC1608 card. AT88SC1608 card is a high-security memory with 8 user areas, each of which is 256 bytes. The 8 user areas can be combined freely, and each user area can point to a unique The password set can also point to the same set of passwords. In this application, one of the user areas is set as a transaction record area, which is used to record the transaction result and the current personal account balance of the bank card, and the other 7 user areas are used as the account area. It is set so that it cannot be read and written without a password, and at the same time, the valid data is submerged in a large number of random numbers.

The high security performance of the AT88SC1608 encryption card is very prominent. In addition to the encryption logic, it also has high security authentication and anti-eavesdropping tracking technology. With 64-bit mutual authentication and authentication error counter. When the IC card communicates with the short message coin module in the mobile phone software, the IC card provides an "anti-tapping" technology, which contains C language and 51 assembly language programs that provide the cryptographic algorithm F2. Use the IC card to interact with the SMS coin module in the mobile phone software to "challenge", and then calculate the encryption function of a specific authentication protocol to verify the value of each "challenge". Only through its "challenge" can access to the IC card be allowed. At the same time, The authentication data is encrypted and transmitted, which can prevent the communication data from being stolen.

A data sending area is set in the short message money module of the mobile phone software, and the address of the data sending area is not disclosed and the user has no right to visit. The data sending area is only used to store the transaction payment ciphertext, transaction success or failure mark, bank code ciphertext, and bank personal account code ciphertext for this transaction. The storage address is not public, and the rest are stored as random numbers. During the transaction, the content of the transaction SMS is all cipher text, including the bank code, the personal account code of both parties, the transaction amount, the transaction code, the date and time, etc., and the transaction data is submerged in the random number and sent by the payee and the payer by SMS. They are sent to the card-issuing banks respectively, and the communication between different banks is resolved by the communication between their banks. The payee and the payer should ensure that the date and travel time error of the mobile phone is not greater than 30 seconds before sending the transaction SMS. The ciphertext of the SMS to be sent is disassembled and stored in the private address in the bank card and SMS. The private address is set individually. The users are all different, and their addresses are divided according to the byte order of the content of the transaction SMS. The content of the transaction SMS also includes the same 6-digit transaction code agreed by the payee and the payer during the transaction, which is converted into cipher text by the cryptographic algorithm 1. Stored in the account area of the bank card and the private address of the transaction SMS to identify both parties to the transaction. After the bank receives the transaction SMS from both parties, it decrypts, verifies and confirms the personal account code, transaction code, transaction amount, date and time Send confirmation text messages to both parties of the transaction respectively, if the verification fails, a failure mark will be recorded. After receiving the confirmation SMS, both parties to the transaction will also mark the transaction record as successful. If the number of failed verification marks of the payer or payee exceeds the limit, all operations of the bank card of the payer or payee will be suspended. If the payer or payee If you do not receive the confirmation SMS, resend the transaction SMS or send an inquiry SMS. If the bank receives the date and time recorded in the transaction SMS for more than 1 minute, the transaction SMS will be invalidated and the transaction parties will be notified, so that even if the transaction SMS is intercepted, it will be invalidated soon, and the content of the transaction SMS is The ciphertext, its key, encryption algorithm parameters, data storage address and password, etc. are not disclosed, and it is difficult to decipher because it varies from person to person.

The customer's personal bank account information is established in the bank card, including the personal account code, the recharge record and balance and unpaid transaction records, etc., which are converted into ciphertext by the cryptographic algorithm 1 defined by the issuing bank and stored in the In the private address in the account area of the bank card. The transaction payment sent by the payer during the transaction is represented by a currency value code, which contains one or more electronic coins with the denomination corresponding to the banknotes. Like banknotes, the total amount of multiple electronic coins is equal to the transaction payment, and each electronic currency is used The currency value code indicates that the currency value code is composed of the currency value, the cycle number and several random numbers. The currency value codes of the same or different denomination electronic coins are different. For each denomination of electronic currency, there are multiple currency value codes stored in the In the personal account of the bank and in the SMS currency module of the mobile phone software, the used code is invalid. The plurality of currency value codes are used in a sequential cycle, and the currency value pointer indicates the location of use, and the cycle number in the currency value code is added by 1 each time the cycle is completed to count the full cycle. Therefore, it is a dynamic currency code that carries personal information. The currency value is divided into 100 yuan, 50 yuan, 20 yuan, 10 yuan, 5 yuan, 1 yuan, 5 jiao, 1 jiao, and 1 cent. During the transaction, the payer presses the payment key, the payee presses the payment key and the user enters the transaction amount according to the yuan, angle, and cent prompted on the screen, and the SMS currency module in the payer’s mobile phone software automatically combines the currency values, and the bank checks when the bank card is settled Currency code legality. The payee only sends yuan, jiao, and cents for the transaction.

During the transaction, the user can set the software to call out the bank card account area password saved in the mobile phone software within a limited time, and read the transaction funds from the personal bank card deposit. Read the transaction funds with a password to simplify the transaction process. During the transaction, the payer reads the transaction payment within the range of the account balance in the payer's bank card and generates a record, which is encrypted using the cryptographic algorithm 1 and stored in the corresponding data sending area of the payer's mobile phone software. Every time the bank card is read and written, the mobile phone software of the payee or the payer will first check the dynamic password 1 of the corresponding bank card, and then send a new string of dynamic password 1 composed of random numbers and save it in the bank card. In the SMS currency module of the mobile phone software and the bank card, if the verification dynamic password 1 is incorrect, the mobile phone refuses to operate the bank card, and also checks the legality of the currency value code of the corresponding bank card, and refuses to operate when the verification is illegal, so as to prevent counterfeiting Card. The initial password of this dynamic password 1 is written in the short message money module of bank card and mobile phone software by issuing bank institution, and this short message money module software is written by when issuing bank institution.

The mobile phone is equipped with a collection key and a payment key. When the payee and the payer conduct commodity transactions, press the corresponding key to enter the transaction state. According to the prompts of yuan, angle and cent on the screen, the payee and the payer can enter the transaction through the mobile phone screen keyboard respectively. Type the same transaction amount.

The bank cards of the payer and the payee and the SMS currency module in the mobile phone software all use cipher text to insert random numbers to save and send the mobile phone SMS currency data in blocks to prevent forgery. During bank settlement, payment is made according to the validity of the currency code of the payer and against the transaction records. Both the payer and the payer must have sufficient bank account balances for transactions. In the mobile phone software, the data sending area of the SMS coin module saves the data in the form of cipher text except for the transaction success or failure mark and random number. During the transaction, the payer and the payee convert the plaintext of the transaction data into ciphertext according to the cryptographic algorithm 1, and then temporarily save it in the data sending area of the SMS coin module in the mobile phone software. The cryptographic algorithm 1 issued by the bank and the same unified key are stored in the bank and the SMS currency module of all mobile phone software, and no one knows the key. The encryption and decryption process of symmetric encryption takes less time. The short message coin module in the mobile phone software transmits the transaction data continuously by blocks, and all the effective data of the transmission content are submerged in random numbers. The random number is determined by the short message in the mobile phone software After each transaction, the coin module is generated by random number generation software to make a lookup table update, which is used to prevent data from being intercepted, stolen and decrypted. The valid data in the bank card is stored in non-disclosed addresses scatteredly.

Description of drawings:

The accompanying drawing is a schematic diagram of the composition of a mobile phone capable of sending short message money.

Example:

A schematic diagram of the composition of a mobile phone capable of sending short message money is shown in the accompanying drawing. It is made up of a bank card 2 and a mobile phone 1. There are two kinds of cards and slots thereof in the mobile phone 1, one of which is the original SIM card 21 and the SIM slot 22 of the mobile phone, and the other is the bank card 2 and its slot 22. Bank card slot12. Wherein bank card 2 adopts AT88SC1608 card to make. The password of the IC card and the dynamic password 1 are authenticated between the short message money module 3 and the bank card 2 in the mobile phone 1 software. The SMS money module 3 is composed of a transaction storage area 11 , a bank card slot 12 , a card reading module 13 , and a SMS money program storage module 14 . Wherein the transaction storage area 11 is a part of the mobile phone memory for storing transaction data, the bank card slot 12 is used to fix the bank card to the reading and writing position, and the card reading module 13 is used for data between the bank card 2 and the short message money module 3 Exchange, SMS money program storage module 14 is used for storing SMS money application software, when the payer or payee presses the payment key or the collection key, the mobile phone application software promptly calls the corresponding software to enter the processing of the payment or collection function module.

Claims (2)

1. A mobile phone capable of sending SMS money, characterized in that it consists of a mobile phone and a bank card, and has two types of cards and their slots, one of which is a bank card and its bank card slots, bank outlets or ATMs. There is a small-sized bank card holder, which is used to load small-sized bank cards for reading and writing, so that small-sized bank cards can be used for recharging and withdrawing money on mobile phones, bank outlets or ATM machines; It is necessary to hold an ID card and carry out real-name registration. The customer's personal account code is independent and does not share with the bank account code used for recharging, withdrawing money, and transferring funds of the bank card. The mobile phone that can send text messages and money cannot leave the bank branch Or after the ATM, it is only used for the collection and payment of private commodity transactions. It realizes the verification of both parties of the transaction through the issuing bank, and each transaction has a record; The bank card is made of AT88SC1608 card. During the transaction, the content of the transaction SMS is cipher text, including the bank code, the personal account code of both parties, the transaction amount, the transaction code, the date and time, and the transaction data is submerged in the random number in the form of SMS The payee and the payer send to their card-issuing banks respectively, and the communication between different banks is resolved by the communication between their banks. Before sending the transaction SMS, the payee and payer should ensure that the date and travel time error of the mobile phone is not greater than 30 seconds. The ciphertext of the text message to be sent is disassembled and stored in the private address in the bank card and the text message. The private address setting is different for each user. The 6-digit transaction code is converted into ciphertext by password algorithm 1 and stored in the account area of the bank card and the private address of the transaction SMS to identify both parties to the transaction. The code, transaction code, transaction amount, date and time will be decrypted and verified. After confirmation, a confirmation text message will be sent to both parties of the transaction. If the verification fails, a failure mark will be recorded. If the bank receives the transaction text message, the date and time recorded for sending the letter have exceeded 1 minute. , the transaction SMS will be invalidated and both parties will be notified, so that even if the transaction SMS is intercepted, it will be invalidated soon. The bank card has the customer's personal bank account information, including the personal account code, this recharge record, balance and outstanding balance The transaction records are converted into ciphertext data by the cryptographic algorithm 1 defined by the issuing bank and stored in the private address in the account area of the bank card. The transaction payment sent by the payer during the transaction is represented by the currency code, which contains 1 Or multiple electronic coins with the denomination corresponding to the banknotes. Like banknotes, the total amount of multiple electronic coins is equal to the transaction payment. Each electronic coin is represented by a currency value code. The currency value code is composed of currency value, cycle number and several random numbers. , the currency value codes of electronic coins of the same or different denominations are different. Each denomination of electronic currency has multiple currency value codes and its currency value pointers are stored in the bank’s personal account and in the module of SMS currency in the mobile phone software. The used codes That is to say, it is invalid, and the plurality of currency value codes are recycled in order, and the use position is indicated by the currency value pointer, and the cycle number in the currency value code is added to count the full cycle every time the currency value code is completed, so it is a dynamic currency value code that carries personal information; During the transaction, the payer presses the payment key, the payee presses the payment key and the user enters the transaction amount according to the yuan, angle, and cent prompted on the screen, and the module of SMS currency in the payer’s mobile phone software automatically combines the currency values, and the bank checks when the bank card is settled The currency value code is legal, and the payee only sends yuan, jiao, and cent transaction funds; During the transaction, the user can set the software to call out the bank card account area password saved in the mobile phone software within a limited time, and read the transaction funds from the personal account deposit of the bank card. The password access can be automatically restored after the limited time for several hours. Write bank card operation, the mobile phone software module of the payee or the payer first checks the dynamic password 1 of the corresponding bank card, and then sends a new dynamic password 1 composed of random numbers and saves it in the mobile phone software In the SMS currency module and the bank card, if the dynamic password 1 is checked incorrectly, the mobile phone refuses to operate the bank card, and also checks the legality of the currency value code of the corresponding bank card, and refuses to operate when the check is illegal, so as to prevent counterfeit cards , the initial password of this dynamic password 1 is written in the bank card and the SMS currency module in the mobile phone software by the issuing bank institution, and the module application software of the SMS currency in the mobile phone software is written by the issuing bank institution; When the payee and the payer conduct a commodity transaction, press the corresponding key to enter the transaction state. During the transaction, the payer and the payee convert the plaintext of the transaction data into ciphertext according to the cryptographic algorithm 1, and then temporarily save it in the mobile phone software In the data transmission area of the module of short message money, the cryptographic algorithm 1 issued by the bank and the unified same key are stored in the module of short message money in the bank and all mobile phone software, and no one knows the key. 2. A mobile phone capable of sending SMS money according to claim 1, further comprising: It consists of a bank card (2) and a mobile phone (1). The short message money module (3) in the mobile phone (1) consists of a transaction storage area (11), a bank card slot (12), a card reading module (13), a short message money The program storage module (14) is composed of, wherein the transaction storage area (11) is a part of the mobile phone memory for storing transaction data, the bank card slot (12) is used to fix the bank card to the read-write position, and the card reading module (13 ) is used for data exchange between the bank card (2) and the short message money module (3), and the short message money program storage module (14) is used for storing short message money application software.