CN101098371B - Financial data processing method and mobile terminal device - Google Patents
Financial data processing method and mobile terminal deviceDownload PDFInfo
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Abstract
Description
Translated fromChinese技术领域technical field
本发明涉及数据处理领域，特别是涉及移动支付中的金融数据处理系统和方法。The invention relates to the field of data processing, in particular to a financial data processing system and method in mobile payment.
背景技术Background technique
随着我国经济的快速发展，金融领域的业务也迅速增长，在业务往来频繁的同时，有大量的数据需要安全、快速的处理。因此，利用移动通讯技术处理金融数据，提高金融系统的工作效率，增强安全性是迫切需要的。With the rapid development of my country's economy, the business in the financial field is also growing rapidly. While business transactions are frequent, there are a large amount of data that needs to be processed safely and quickly. Therefore, it is urgent to use mobile communication technology to process financial data, improve the work efficiency of the financial system, and enhance security.
移动支付方式不但可以避免传统的现金结算需要随身携带大量货币的问题，而且不需要像销售终端(POS，Point of sells)和自动柜员机(AsynchronousTransfer Mode)那样需要预置相应的设备，同时也不需要像网上支付所需要的相对庞大和复杂的计算机网络设备，总之移动支付能够带来相当的便利性。The mobile payment method can not only avoid the problem of carrying a large amount of currency with you in traditional cash settlement, but also does not need to preset corresponding equipment like POS (Point of sells) and automatic teller machines (Asynchronous Transfer Mode), and also does not require Like the relatively large and complex computer network equipment required for online payment, in short, mobile payment can bring considerable convenience.
移动终端短消息(SMS，short message services)支付是现有移动支付方式中一种非常典型的应用，该方式基于银行卡与手机号的定制关系，通过一次性定制交易来验证持卡人身份和业务开通，以短消息技术实现日常性定向类缴费交易。Mobile terminal short message (SMS, short message services) payment is a very typical application in the existing mobile payment methods. This method is based on the customized relationship between bank cards and mobile phone numbers, and verifies the cardholder's identity and identity through a one-time customized transaction. The business is opened, and the daily directional payment transaction is realized by short message technology.
请参阅图1，为现有技术中一种移动支付中金融数据处理方法的步骤流程图，具体过程为以下步骤：Please refer to Fig. 1, which is a flow chart of the steps of a financial data processing method in mobile payment in the prior art, and the specific process is as follows:
101、服务器内置保存移动终端设备标识和帐户信息对应关系的数据库；101. The server has a built-in database for storing the corresponding relationship between mobile terminal device identification and account information;
102、移动终端设备发送待处理数据和移动终端设备标识到服务器；102. The mobile terminal device sends the data to be processed and the identification of the mobile terminal device to the server;
103、服务器根据移动终端设备标识在内置的数据库中查找到与其相对应的帐户信息，并将帐户信息和待处理数据发送至相应的数据处理终端；103. The server finds the corresponding account information in the built-in database according to the identification of the mobile terminal device, and sends the account information and the data to be processed to the corresponding data processing terminal;
104、相应的数据处理终端根据帐户信息完成待处理数据的处理，并将完成数据处理的响应信息通过服务器返回移动终端设备。104. The corresponding data processing terminal completes the processing of the data to be processed according to the account information, and returns the response information of completing the data processing to the mobile terminal device through the server.
在上述的处理流程中，银行的金融数据处理终端是以对应的帐号信息完成处理的，一般情况下，还可以不需要相应的密码信息，这对于广泛使用信用卡的国外金融领域而言，是可以接受的。但是对于国内现有的金融领域而言，广泛使用的都是普通储蓄卡，银行的金融数据处理终端都是接收用户刷卡时发送的卡磁道信息，通过对该磁道信息的校验、解析得到所需信息，然后进行数据处理。如果银行直接接收帐号信息进行处理，就需要对银行的金融数据处理终端进行相应的改造，而对分布广泛、数量众多的各个银行的处理终端进行改造将是相当浩大和困难的工程，并且在国内信用制度还不完善的时候将带来更多的数据安全问题。In the above processing flow, the bank's financial data processing terminal completes the processing with the corresponding account information. Generally, the corresponding password information is not required. This is possible for foreign financial fields where credit cards are widely used. accepted. However, for the existing domestic financial field, ordinary savings cards are widely used. The financial data processing terminal of the bank receives the card magnetic track information sent by the user when swiping the card. information, and then data processing. If the bank directly receives the account number information for processing, it needs to carry out corresponding transformation on the bank's financial data processing terminal, and it will be quite a large and difficult project to transform the processing terminals of various banks with a wide distribution and a large number. When the credit system is not perfect, it will bring more data security problems.
其次，在上述的处理流程中，一般都是采用短消息的方式发送交易信息的，短消息可以简单方便的实现移动支付，但是短消息技术有其自身无法克服的缺陷：因为短消息在发送时并不确认和接收方已建立连接，并且不是直接连接处理终端发送信息的，而是经过短消息中心转发的，所以其不可避免的存在数据丢失的情况。这对于金融数据处理领域要求的准确、安全而言是难以接受的。Secondly, in the above-mentioned processing flow, the transaction information is generally sent in the form of short message, which can realize mobile payment simply and conveniently, but the short message technology has its own insurmountable defects: because the short message It does not confirm that the connection has been established with the receiver, and the message is not directly connected to the processing terminal, but forwarded by the short message center, so it is inevitable that there will be data loss. This is unacceptable for the accuracy and security required in the field of financial data processing.
正是由于上述缺陷的存在，使得移动支付的应用受到很大的限制。如何提高移动支付中的金融数据处理过程的安全性和便利性成为本领域技术人员迫切需要解决的问题之一。Just because of the existence of the above-mentioned defects, the application of mobile payment is greatly restricted. How to improve the security and convenience of the financial data processing process in mobile payment has become one of the urgent problems to be solved by those skilled in the art.
发明内容Contents of the invention
本发明所要解决的技术问题是提供一种金融数据处理方法，能够避免对现有金融处理终端系统的改造，降低移动支付的接入成本；提高移动支付中的金融数据处理的安全和效率；拓展移动支付数据处理的应用。The technical problem to be solved by the present invention is to provide a financial data processing method, which can avoid the transformation of the existing financial processing terminal system, reduce the access cost of mobile payment; improve the security and efficiency of financial data processing in mobile payment; expand Applications for mobile payment data processing.
本发明的另一目的是提供一种用于移动支付金融数据处理的移动终端设备，其发送的报文可以直接输入现有金融处理终端系统，降低移动支付的接入成本；提高移动支付中的金融数据处理的安全和效率；并且可以适应多种金融数据的处理过程。Another object of the present invention is to provide a mobile terminal device for mobile payment financial data processing, the message sent by it can be directly input into the existing financial processing terminal system, reducing the access cost of mobile payment; The security and efficiency of financial data processing; and can adapt to the processing of various financial data.
为了解决上述问题，本发明提供了一种金融数据处理方法，包括以下步骤：In order to solve the above problems, the present invention provides a financial data processing method, comprising the following steps:
设置智能卡于移动终端设备中，所述智能卡存储有至少一个金融卡磁道信息；A smart card is set in the mobile terminal device, and the smart card stores at least one financial card magnetic track information;
移动终端设备发送金融卡磁道信息和待处理数据至服务器；The mobile terminal device sends the financial card magnetic track information and data to be processed to the server;
服务器将金融卡磁道信息和待处理数据转发至相应数据处理终端；The server forwards the financial card magnetic track information and data to be processed to the corresponding data processing terminal;
所述数据处理终端完成相关数据的处理并返回处理结果信息。The data processing terminal completes the processing of relevant data and returns processing result information.
优选的，所述的金融数据处理方法中，移动终端设备通过交易报文的方式发送金融卡磁道信息和待处理数据至服务器，或者通过磁感应的方式将金融卡磁道信息发送至销售终端，由销售终端发送金融卡磁道信息和待处理数据至服务器。Preferably, in the financial data processing method, the mobile terminal device sends the financial card magnetic track information and the data to be processed to the server through a transaction message, or sends the financial card magnetic track information to the sales terminal through magnetic induction, and the sales The terminal sends the financial card magnetic track information and data to be processed to the server.
优选的，所述的金融数据处理方法，还包括：所述移动终端设备通过智能卡接口，调用该智能卡内存储的加密算法以及该智能卡的唯一标识信息，对金融卡磁道信息和待处理数据进行硬加密。Preferably, the financial data processing method further includes: the mobile terminal device invokes the encryption algorithm stored in the smart card and the unique identification information of the smart card through the smart card interface, and hard-codes the financial card magnetic track information and the data to be processed. encryption.
优选的，所述的金融数据处理方法，还包括：向智能卡中预置用户身份信息，所述身份信息与用户的金融卡磁道信息相对应；移动终端设备通过智能卡接口，调用所述身份信息，并与金融卡磁道信息下载请求一同发送至下载服务器；所述下载服务器对上述信息进行认证，认证通过后，发送相应的金融卡磁道信息。Preferably, the financial data processing method further includes: presetting user identity information into the smart card, the identity information corresponding to the magnetic track information of the user's financial card; the mobile terminal device calling the identity information through the smart card interface, And send to the download server together with the financial card track information download request; the download server authenticates the above information, and sends the corresponding financial card track information after the authentication is passed.
优选的，所述的金融数据处理方法，还包括：移动终端设备通过智能卡接口，调用该智能卡内存储的加密算法以及该智能卡的唯一标识信息，对用户的身份信息以及金融卡磁道信息下载请求进行硬加密后发送；所述下载服务器对上述信息解密后进行认证。Preferably, the financial data processing method further includes: the mobile terminal device invokes the encryption algorithm stored in the smart card and the unique identification information of the smart card through the smart card interface, and executes the download request for the user's identity information and financial card magnetic track information. Send after hard encryption; the download server performs authentication after decrypting the above information.
优选的，所述下载服务器将相应的金融卡磁道信息加密后，再发送至相应的移动请求终端。Preferably, the download server encrypts the corresponding financial card magnetic track information, and then sends it to the corresponding mobile requesting terminal.
优选的，所述的金融数据处理方法，还包括：在智能卡内预置小额支付管理模块，用于管理小额支付帐户；通过磁感应的方式接收小额支付请求；所述智能卡自行对所述小额支付帐户根据所述小额支付请求完成结算。Preferably, the financial data processing method further includes: presetting a micropayment management module in the smart card for managing micropayment accounts; receiving micropayment requests through magnetic induction; The micropayment account completes the settlement according to the micropayment request.
优选的，所述的金融数据处理方法，还包括：在智能卡内预置小额支付管理模块，用于管理小额支付帐户；移动终端设备发送小额支付请求以及相关交易信息至服务器；服务器返回结算命令以及第一校验码；移动终端设备验证第一校验码，验证通过后，调用所述智能卡，根据所述结算命令对所述小额支付帐户完成结算，并生成第二校验码；服务器验证第二校验码，验证通过后，向交易商品提供商或者交易服务提供商发送结算成功消息。Preferably, the financial data processing method further includes: presetting a micropayment management module in the smart card for managing micropayment accounts; the mobile terminal device sends a micropayment request and related transaction information to the server; the server returns Settlement command and first check code; the mobile terminal device verifies the first check code, and after the verification is passed, invokes the smart card, completes the settlement of the micropayment account according to the settlement command, and generates a second check code ; The server verifies the second verification code, and after the verification is passed, sends a settlement success message to the transaction commodity provider or the transaction service provider.
优选的，所述的金融数据处理方法，还包括：在智能卡内预置小额支付管理模块，用于管理小额支付帐户；所述待处理数据为小额支付帐户的充值数据；移动终端设备根据服务器返回的充值结果信息，调用所述智能卡对所述小额支付帐户完成相关充值操作。Preferably, the financial data processing method further includes: presetting a micropayment management module in the smart card for managing the micropayment account; the data to be processed is recharge data of the micropayment account; the mobile terminal device According to the recharge result information returned by the server, the smart card is invoked to complete the relevant recharge operation on the micropayment account.
本发明还公开了一种移动终端设备，用于完成金融数据处理，包括以下部件：智能卡，用于下载和存储至少一个金融卡磁道信息；The invention also discloses a mobile terminal device for completing financial data processing, comprising the following components: a smart card for downloading and storing at least one financial card magnetic track information;
通信单元，用于通过交易报文的方式发送金融卡磁道信息和待处理数据至服务器，以及接收处理结果信息；The communication unit is used to send the financial card magnetic track information and the data to be processed to the server by means of transaction messages, and receive processing result information;
应用管理单元，用于管理和调用智能卡。The application management unit is used to manage and call the smart card.
优选的，所述智能卡中还预置有加密算法和该智能卡的唯一标识信息；应用管理单元先通过智能卡接口，调用所述加密算法以及该智能卡的唯一标识信息，对金融卡磁道信息和待处理数据进行硬加密，加密之后再通过通信单元以交易报文的方式发送。Preferably, the smart card is also preset with an encryption algorithm and the unique identification information of the smart card; the application management unit first invokes the encryption algorithm and the unique identification information of the smart card through the smart card interface, and the financial card magnetic track information and pending The data is hard-encrypted, and after encryption, it is sent as a transaction message through the communication unit.
优选的，所述智能卡中还预置有用户的身份信息，所述身份信息与用户的金融卡磁道信息相对应；应用管理单元通过智能卡接口，调用所述身份信息；通信单元将所述身份信息与金融卡磁道信息下载请求一同发送至下载服务器。Preferably, the smart card is also preset with the identity information of the user, and the identity information corresponds to the magnetic track information of the user's financial card; the application management unit calls the identity information through the smart card interface; the communication unit transfers the identity information It is sent to the download server together with the download request of the financial card magnetic track information.
优选的，所述智能卡中还预置有加密算法和该智能卡的唯一标识信息；应用管理单元先通过智能卡接口，调用所述加密算法以及该智能卡的唯一标识信息，对用户的身份信息以及金融卡磁道信息下载请求进行硬加密，加密之后再通过通信单元进行发送。Preferably, the smart card is also preset with an encryption algorithm and the unique identification information of the smart card; the application management unit first invokes the encryption algorithm and the unique identification information of the smart card through the smart card interface, and the identity information of the user and the financial card The track information download request is hard encrypted, and then sent through the communication unit after encryption.
优选的，所述智能卡还包括磁感应单元，所述磁感应单元用于通过磁感应的方式将金融卡磁道信息发送至销售终端，由销售终端发送金融卡磁道信息和待处理数据至服务器。Preferably, the smart card further includes a magnetic induction unit, which is used to send the financial card magnetic track information to the sales terminal through magnetic induction, and the sales terminal sends the financial card magnetic track information and the data to be processed to the server.
优选的，所述智能卡内还包括小额支付管理模块，用于管理小额支付帐户；所述磁感应单元还用于通过磁感应的方式接收小额支付请求；自动结算单元，用于对智能卡内的所述小额支付帐户根据所述小额支付请求完成结算。Preferably, the smart card also includes a micropayment management module for managing micropayment accounts; the magnetic induction unit is also used for receiving micropayment requests through magnetic induction; The micropayment account completes the settlement according to the micropayment request.
优选的，所述智能卡内还包括小额支付管理模块，用于管理小额支付帐户；通信单元还用于发送小额支付请求以及相关交易信息至服务器；验证单元，用于校验服务器返回的结算命令以及第一校验码；自动结算单元，用于根据所述结算命令对智能卡内的所述小额支付帐户完成结算，并生成第二校验码。Preferably, the smart card also includes a micropayment management module for managing micropayment accounts; the communication unit is also used for sending micropayment requests and related transaction information to the server; the verification unit is used for verifying the information returned by the server A settlement command and a first verification code; an automatic settlement unit, configured to complete the settlement of the micropayment account in the smart card according to the settlement command, and generate a second verification code.
优选的，所述智能卡内还包括小额支付管理模块，用于管理小额支付帐户；通信单元还用于通过交易报文的方式发送金融卡磁道信息和所述小额支付帐户的充值请求至服务器；自动结算单元，用于根据服务器返回的充值结果信息，对智能卡内的所述小额支付帐户完成相关充值操作。Preferably, the smart card further includes a micropayment management module for managing the micropayment account; the communication unit is also used for sending the financial card magnetic track information and the recharge request of the micropayment account to The server; an automatic settlement unit, configured to complete the relevant recharge operation for the micropayment account in the smart card according to the recharge result information returned by the server.
与现有技术相比，本发明具有以下优点：Compared with the prior art, the present invention has the following advantages:
本发明通过银行卡磁道信息完成数据处理，而不是仅仅提供帐户信息，可以直接输入现有的金融数据处理终端，金融数据处理终端接收到的数据和用户从POS终端划卡发送的数据是一样的，故对各银行的金融数据处理终端可以不需要进行任何的改造，降低应用成本，可以简单方便的扩大移动支付的应用，提高移动支付中金融数据处理的效率。The present invention completes data processing through bank card magnetic track information instead of only providing account information, which can be directly input into the existing financial data processing terminal, and the data received by the financial data processing terminal is the same as the data sent by the user swiping the card from the POS terminal , so the financial data processing terminals of each bank do not need any transformation, reduce the application cost, expand the application of mobile payment simply and conveniently, and improve the efficiency of financial data processing in mobile payment.
为了实现银行卡磁道信息应用，本发明在移动终端中设置一智能卡，当该智能卡发行时，写入申请人的身份信息、证件信息等确认申请人身份的信息，并可以将该智能卡和移动终端唯一对应。用户可以根据该智能卡中存储的身份信息、智能卡标识以及移动终端标识等信息向服务器请求下载对应的银行卡的磁道信息，从而保证银行卡的磁道信息下载的安全。In order to realize the application of bank card magnetic track information, the present invention sets a smart card in the mobile terminal. When the smart card is issued, the applicant's identity information, certificate information and other information to confirm the identity of the applicant are written, and the smart card can be combined with the mobile terminal. unique correspondence. The user can request to the server to download the magnetic track information of the corresponding bank card according to the identity information stored in the smart card, the smart card identification and the mobile terminal identification, so as to ensure the safety of downloading the magnetic track information of the bank card.
由于所述的金融处理终端可以直接对银行卡磁道信息进行处理，故本发明在移动终端和金融处理终端之间采用交易报文的形式传送数据，金融数据处理终端接收到的数据和用户从POS终端划卡发送的数据是一样的，由于交易报文的发送需要确认双方已连接，以及相应的重发机制，能够保证数据包的传送准确到达，不会发生丢包的现象，提高了处理效率和安全。Since the financial processing terminal can directly process the magnetic track information of the bank card, the present invention transmits data in the form of a transaction message between the mobile terminal and the financial processing terminal, and the data received by the financial data processing terminal and the data received by the user from the POS The data sent by the terminal swiping the card is the same, because the sending of the transaction message needs to confirm that both parties are connected, and the corresponding retransmission mechanism can ensure the accurate arrival of the data packet transmission, and there will be no packet loss, which improves the processing efficiency and safe.
由于银行卡磁道信息在金融数据处理过程中具有重要意义，故为了防止银行卡磁道信息被盗用，本发明采用通过智能卡对其进行硬加密的方式发送至金融处理终端。即使在数据传输过程中被截取、甚至解密，从而获取了该银行卡磁道信息，但是由于无法取得相应的智能卡，则其盗用的银行卡磁道信息发送到金融数据处理终端也是无法通过认证的，故可以进一步保证银行卡磁道信息在移动支付中的应用。Since the magnetic track information of the bank card is of great significance in the financial data processing process, in order to prevent the bank card magnetic track information from being stolen, the present invention sends it to the financial processing terminal by hard-encrypting the smart card. Even if it is intercepted or even decrypted during data transmission to obtain the magnetic track information of the bank card, since the corresponding smart card cannot be obtained, the stolen bank card magnetic track information cannot pass the authentication when it is sent to the financial data processing terminal. The application of bank card magnetic track information in mobile payment can be further guaranteed.
同时，本发明所述智能卡可以通过磁感应的方式将卡磁道信息传送至POS终端，从而可以方便的实现移动终端的现场支付，用户不必携带多个银行卡，避免丢失；并且本发明的智能卡集成了小额支付功能，在智能卡中设置有小额支付帐户，可以在现场直接通过磁感应的方式接收请求，从小额支付帐户中扣除相应金额完成数据处理，信息可以不通过金融数据处理终端，提高数据处理效率，减少数据处理流程。At the same time, the smart card of the present invention can transmit the magnetic track information of the card to the POS terminal through magnetic induction, so that the on-site payment of the mobile terminal can be conveniently realized, and the user does not need to carry multiple bank cards to avoid loss; and the smart card of the present invention integrates Micropayment function, a micropayment account is set in the smart card, and the request can be received directly through magnetic induction on the spot, and the corresponding amount can be deducted from the micropayment account to complete the data processing. The information can not pass through the financial data processing terminal, improving data Processing efficiency, reducing data processing flow.
附图说明Description of drawings
图1为现有技术中一种金融数据处理方法的步骤流程图；Fig. 1 is a step flow chart of a financial data processing method in the prior art;
图2为本发明一种金融数据处理方法的步骤流程图；Fig. 2 is a flow chart of steps of a financial data processing method of the present invention;
图3为应用本发明进行远程大额支付的步骤流程图；Fig. 3 is a flow chart of the steps of applying the present invention to carry out remote large-amount payment;
图4为为安全下载卡磁道信息的步骤流程图；Fig. 4 is the flow chart of the steps for safely downloading card magnetic track information;
图5为图4所示步骤的具体实例的流程图；Fig. 5 is the flowchart of the concrete example of step shown in Fig. 4;
图6为远程小额支付具体应用的流程图；Figure 6 is a flow chart of a specific application of remote micropayment;
图7为本发明一种用于金融数据处理的移动终端设备的结构框图。Fig. 7 is a structural block diagram of a mobile terminal device for financial data processing according to the present invention.
具体实施方式Detailed ways
为使本发明的上述目的、特征和优点能够更加明显易懂，下面结合附图和具体实施方式对本发明作进一步详细的说明。In order to make the above objects, features and advantages of the present invention more comprehensible, the present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments.
本发明的核心思想为：为了避免对现有金融数据处理终端系统的改造，本发明设置了一存储有金融卡磁道信息的智能卡；为了保证金融卡磁道信息在传输中的安全，本发明采用智能卡硬加密的方式对金融卡磁道信息进行加密，并且优选的，金融机构是以密文形式下发该金融卡磁道信息的；为了保证金融卡磁道信息在传输过程的确切送达，本发明采用交易报文的形式发送金融卡磁道信息；为了满足现场支付的一些应用，本发明可以通过磁感应的方式与销售终端等进行数据传输，可以直接将金融卡磁道信息传送至销售终端，也可以根据现场小额支付请求直接在智能卡内完成相应数据操作，例如，金额扣除；本发明还可以根据远程服务器的小额支付请求在智能卡内完成相应数据操作，例如，金额扣除；本发明还可以采用交易报文的形式与远程服务器建立连接，根据其相应信息对智能卡内的小额支付帐户进行相应的充值操作，例如，增加金额。The core idea of the present invention is: in order to avoid the transformation of the existing financial data processing terminal system, the present invention sets a smart card that stores the financial card magnetic track information; The hard encryption mode encrypts the financial card magnetic track information, and preferably, the financial institution issues the financial card magnetic track information in the form of cipher text; in order to ensure the exact delivery of the financial card magnetic track information in the transmission process, the present invention adopts transaction Send financial card magnetic track information in the form of messages; in order to meet some applications of on-site payment, the present invention can carry out data transmission with sales terminals through magnetic induction, and can directly transmit financial card magnetic track information to sales terminals, or according to on-site small Amount payment request directly completes the corresponding data operation in the smart card, for example, deduction of the amount; the present invention can also complete the corresponding data operation in the smart card according to the small payment request of the remote server, for example, deduction of the amount; the present invention can also use the transaction message The connection is established with the remote server in the form of a remote server, and the micropayment account in the smart card is recharged according to the corresponding information, for example, the amount is increased.
请参阅图2，为本发明一种金融数据处理方法流程图，具体步骤如下：Please refer to Fig. 2, which is a flow chart of a financial data processing method of the present invention, and the specific steps are as follows:
201、设置智能卡于移动终端设备中，所述智能卡存储有金融卡磁道信息；201. Set a smart card in the mobile terminal device, and the smart card stores financial card magnetic track information;
在移动终端设备中内置智能卡，智能卡可以包含有多个金融卡磁道信息。移动终端设备可以具有独立的通信单元，例如，手机，由于类似的移动终端设备为公开的技术内容，本发明对此不进行详细描述。所述智能卡可以设置在移动终端设备中的任何位置，例如，以独立的卡形式设置、或者与现有的移动终端设备中的通信卡为一体结构。优选的，采用双卡分离结果，因为该结构使手机的架构清楚简明、易于实现；并且当其中一个卡出现故障时，并不影响另一个卡的使用，维修也相对简单方便。A smart card is built in the mobile terminal device, and the smart card may contain information on a plurality of financial card magnetic tracks. The mobile terminal device may have an independent communication unit, for example, a mobile phone. Since similar mobile terminal devices are disclosed technical content, the present invention will not describe this in detail. The smart card can be set at any position in the mobile terminal equipment, for example, set in the form of an independent card, or be integrated with the existing communication card in the mobile terminal equipment. Preferably, dual-card separation results are adopted, because this structure makes the structure of the mobile phone clear and concise, and is easy to implement; and when one of the cards fails, it does not affect the use of the other card, and the maintenance is relatively simple and convenient.
所述金融卡磁道信息一般为将用户帐户数据、对应金融机构代码以及校验码等信息采用特定数据结构形式封装的信息。其中，校验码主要用于校验金融卡磁道信息在数据传输中是否正确到达、是否被更改等保证金融卡磁道信息传输安全的信息。The magnetic track information of the financial card is generally information encapsulated in a specific data structure form such as user account data, corresponding financial institution codes, and verification codes. Among them, the verification code is mainly used to verify whether the financial card magnetic track information arrives correctly during data transmission, whether it is changed, etc., to ensure the security of financial card magnetic track information transmission security.
优选的，所述金融卡磁道信息可以包含三个磁道的信息，与现有刷卡时销售终端接收的卡信息相同：磁道1信息主要为主账号、用户姓名、失效日期、交换指示符、服务代码等；磁道2信息记录帐号、会员编号等；磁道3信息：记录主账号、货币类型、授权金额、余额、密码输入次数、交易日期等。正是由于本发明移动终端设备发送的金融卡磁道信息，现有金融数据处理终端可以直接接收和处理，故可以避免对现有设备的改造，降低移动支付接入成本。Preferably, the magnetic track information of the financial card may include three tracks of information, which are the same as the card information received by the sales terminal when the existing card is swiped: the track 1 information mainly includes the main account number, user name, expiration date, exchange indicator, service code etc.; track 2 information records account number, membership number, etc.; track 3 information: records main account number, currency type, authorized amount, balance, password input times, transaction date, etc. Just because the financial card magnetic track information sent by the mobile terminal device of the present invention can be directly received and processed by the existing financial data processing terminal, it is possible to avoid modification of the existing device and reduce the cost of mobile payment access.
202、移动终端设备发送金融卡磁道信息和待处理数据至服务器。202. The mobile terminal device sends the financial card magnetic track information and data to be processed to the server.
优选的，移动终端设备通过交易报文的方式发送金融卡磁道信息和待处理数据至服务器，或者通过磁感应的方式将金融卡磁道信息发送至销售终端，由销售终端发送金融卡磁道信息和待处理数据至服务器。上述两种方式完全满足了远程和近程数据传输的情况，并可以保证安全、快捷。Preferably, the mobile terminal device sends the financial card magnetic track information and data to be processed to the server through a transaction message, or sends the financial card magnetic track information to the sales terminal through magnetic induction, and the sales terminal sends the financial card magnetic track information and data to be processed. data to the server. The above two methods fully satisfy the situation of long-distance and short-distance data transmission, and can guarantee safety and speed.
移动终端设备获取待处理数据，获取方式可以是利用移动终端设备上的输入设备获取，也可移动终端设备接收的其它设备发送的待处理数据。The mobile terminal device acquires the data to be processed, and the acquisition method may be by using an input device on the mobile terminal device, or the mobile terminal device may receive data to be processed sent by other devices.
移动终端设备从内置的智能卡中读取所需的金融卡磁道信息，将磁道信息和待处理数据处理成交易报文的形式，发送至服务器。采用交易报文的方式是为了防止金融卡磁道信息在传输中的丢失，因为报文传送之前，需要确认发送和接收方已连接，并当前一数据包成功接收后，才发送下一数据包，否则，重发前一数据包，从而保证数据成功发送和接收。The mobile terminal device reads the required financial card magnetic track information from the built-in smart card, processes the magnetic track information and data to be processed into a transaction message, and sends it to the server. The use of transaction messages is to prevent the loss of financial card magnetic track information during transmission, because before the message is transmitted, it is necessary to confirm that the sender and receiver are connected, and the next data packet is sent only after the previous data packet is successfully received. Otherwise, resend the previous data packet, so as to ensure that the data is sent and received successfully.
当待处理数据位于销售终端中，并无法由移动终端设备获取时，本发明还可以通过磁感应的方式将金融卡磁道信息发送至销售终端，由销售终端发送金融卡磁道信息和待处理数据至服务器。磁感应的方式可以无源，故能够减少智能卡体积；并且对方向和距离要求较低，大致方向和1米之内都是可行的。When the data to be processed is located in the sales terminal and cannot be obtained by the mobile terminal device, the present invention can also send the financial card magnetic track information to the sales terminal through magnetic induction, and the sales terminal sends the financial card magnetic track information and the data to be processed to the server . The magnetic induction method can be passive, so it can reduce the size of the smart card; and it has lower requirements on the direction and distance, and it is feasible in the general direction and within 1 meter.
现有的移动终端设备不具有金融卡磁道信息，读卡器不能在该移动终端设备中直接获得金融卡磁道信息，因此，只能发送验证信息到金融服务中心，金融服务中心通过验证后下发信息激活销售终端，销售终端再获取交易支付信息和金融卡帐户等信息，使得数据传输过程复杂且不安全。本发明就可以方便、安全的解决上述问题，可以直接使用在现有的POS终端上，因为本发明移动终端设备发送的卡磁道信息与POS终端通过刷卡操作获取的卡磁道信息是一样的，不会发生任何冲突，故本发明还可以减少用户多个金融卡随身携带的麻烦。The existing mobile terminal equipment does not have the magnetic track information of the financial card, and the card reader cannot directly obtain the magnetic track information of the financial card in the mobile terminal equipment. Therefore, it can only send the verification information to the financial service center, and the financial service center issues the verification information after passing the verification. The information activates the sales terminal, and the sales terminal obtains transaction payment information and financial card account information, making the data transmission process complicated and unsafe. The present invention can solve the above-mentioned problems conveniently and safely, and can be directly used on existing POS terminals, because the card magnetic track information sent by the mobile terminal device of the present invention is the same as the card magnetic track information obtained by the POS terminal through card swiping operations, and does not Any conflict will occur, so the present invention can also reduce the trouble of carrying multiple financial cards for the user.
优选的，图2所示实施例还可以包括步骤203，所述移动终端设备通过智能卡接口，调用该智能卡内存储的加密算法以及该智能卡的唯一标识信息，对金融卡磁道信息和待处理数据进行硬加密。Preferably, the embodiment shown in FIG. 2 may also include
首先，所述加密算法可以在发行该智能卡时就预置在内，或者后来在下载卡磁道信息时一同下载相应的加密模块而获得。总之，该加密算法只有通过该智能卡的接口调取，如果离开了该智能卡，将无法调用对应的加密算法，从而避免卡磁道信息的盗用。First, the encryption algorithm can be preset when the smart card is issued, or can be obtained by downloading the corresponding encryption module when downloading the card track information. In a word, the encryption algorithm can only be called through the interface of the smart card. If the smart card is left, the corresponding encryption algorithm cannot be called, thereby avoiding the theft of card track information.
其次，每个智能卡具有其唯一的标识信息，该标识信息是于智能卡的硬件结构或者单元息息相关的，具有不可重复性，离开了该智能卡硬件，该标识信息将不能被使用；在本发明的加密过程中，就必须要调用该唯一标识信息进行加密或者校验，采用明文或者密文的方式随着待处理数据一同发送都是可行的。也就是说，如果卡磁道信息被别人知晓，但是盗用者由于没有相应的硬件--智能卡，无法调用其标识信息，故其发送的卡磁道信息将没有相应的智能卡标识信息，则属于无效信息。所以硬加密信息的使用从本质上提高了用户卡磁道信息使用的安全性和唯一性。Secondly, each smart card has its unique identification information, which is closely related to the hardware structure or unit of the smart card, and has non-repeatability. Without the smart card hardware, the identification information will not be used; in the encryption of the present invention In the process, it is necessary to call the unique identification information for encryption or verification, and it is feasible to send it together with the data to be processed in plaintext or ciphertext. That is to say, if the track information of the card is known by others, but the pirate does not have the corresponding hardware—smart card, and cannot call its identification information, so the card track information sent by him will not have the corresponding smart card identification information, which is invalid information. Therefore, the use of hard encrypted information essentially improves the security and uniqueness of the use of user card magnetic track information.
204、服务器将金融卡磁道信息和待处理数据转发至相应数据处理终端。204. The server forwards the financial card magnetic track information and data to be processed to a corresponding data processing terminal.
所述服务器可以为银联等金融卡管理机构的管理服务器，相应数据处理终端一般可以为金融卡磁道信息对应的银行等金融机构的数据处理终端。The server may be a management server of a financial card management organization such as UnionPay, and the corresponding data processing terminal may generally be a data processing terminal of a financial institution such as a bank corresponding to the magnetic card track information.
205、所述数据处理终端完成相关数据的处理并返回处理结果信息。205. The data processing terminal finishes processing related data and returns processing result information.
相关数据的处理可以为：根据交易支付数据在卡磁道信息对应的帐户中扣除或转移出相应的金额，以及其他可能的数据处理操作。由于步骤204和步骤205可以采用与现有技术相同的处理步骤，即服务器可以认为其接收的金融卡磁道信息和待处理数据就是从POS终端发送而来的，所以本发明对该部分就不进行详述了。The processing of relevant data may include: deducting or transferring a corresponding amount from the account corresponding to the card track information according to the transaction payment data, and other possible data processing operations. Because
在上述步骤中，对卡磁道信息以及相关交易的信息的解密可以在服务器中进行，也可以在所述数据处理终端完成，并不影响本发明的核心构思和效果。In the above steps, the decryption of the card track information and related transaction information can be performed in the server, or can be completed in the data processing terminal, which does not affect the core idea and effect of the present invention.
下面在以远程大额支付为例，进一步详细说明本发明金融数据处理方法在实际应用中的流程。Taking remote large-sum payment as an example below, the flow of the financial data processing method of the present invention in practical application will be further described in detail.
请参阅图3，为应用本发明一种金融数据处理方法进行远程大额支付的流程图，具体过程如下：Please refer to Fig. 3, which is a flow chart of applying a financial data processing method of the present invention to carry out remote large-value payment, and the specific process is as follows:
301、用户在手机浏览器上访问服务交付平台(SP)，该服务交付平台能够提供多种金融服务，如证卷购买、各种理财服务等。选定所需的支付项目，手机发送相应的请求信息至SP；301. A user accesses a service delivery platform (SP) on a mobile phone browser. The service delivery platform can provide various financial services, such as certificate purchase, various wealth management services, and the like. Select the required payment items, and the mobile phone sends the corresponding request information to the SP;
302、SP计算服务金额，将SP代码服务金额等相关信息返回手机；302. The SP calculates the service amount, and returns relevant information such as the service amount of the SP code to the mobile phone;
303、手机从智能卡芯片中读取金融卡磁道信息，获得该金融卡卡个人密码(PIN，personal identification number)，再在通信卡中读取用户手机唯一号码，连同来自SP的信息一同处理成报文形式，再调用智能卡中的加密算法对上述信息进行加密后连同智能卡唯一标识信息，发送至服务器。303. The mobile phone reads the financial card magnetic track information from the smart card chip, obtains the personal identification number (PIN, personal identification number) of the financial card, and then reads the user's mobile phone unique number in the communication card, and processes it together with the information from the SP to form a report Then call the encryption algorithm in the smart card to encrypt the above information and send it to the server together with the unique identification information of the smart card.
为简化流程，可以通过手机上的管理单元选择任一个金融卡磁道信息为当前磁道信息，这样每次使用远程支付时，手机自动从智能卡芯片中读取该金融卡的磁道信息。In order to simplify the process, any financial card magnetic track information can be selected as the current magnetic track information through the management unit on the mobile phone, so that every time remote payment is used, the mobile phone automatically reads the magnetic track information of the financial card from the smart card chip.
304、服务器对接收到的信息进行验证、记录，并按银联协议将该信息转换成8583格式的金融卡交易请求发送至银联(CUPS)；CUPS再将该消费交易请求转发至发卡机构；304. The server verifies and records the received information, and converts the information into a financial card transaction request in 8583 format according to the UnionPay agreement and sends it to UnionPay (CUPS); CUPS then forwards the consumption transaction request to the card issuer;
305、发卡机构进行相应信息处理，并返回交易响应信息给CUPS；CUPS将交易响应信息返回给服务器；服务器将交易响应信息转换成报文形式发送给手机；305. The card issuer performs corresponding information processing, and returns the transaction response information to CUPS; CUPS returns the transaction response information to the server; the server converts the transaction response information into a message form and sends it to the mobile phone;
306、手机接收、显示并保存交易响应信息，如成功则在手机界面上弹出支付成功信息通知用户，如失败则在手机界面上弹出支付失败信息通知用户；306. The mobile phone receives, displays, and saves the transaction response information. If successful, a payment success message pops up on the mobile phone interface to notify the user, and if it fails, a payment failure message pops up on the mobile phone interface to notify the user;
307、服务器根据移动交易请求中的SP代码给相应SP发送交易响应信息，SP可以从交易响应中得到该次支付的结果，如果成功进行相关服务，如失败则保存该交易响应信息。307. The server sends transaction response information to the corresponding SP according to the SP code in the mobile transaction request. The SP can obtain the result of the payment from the transaction response. If the payment is successful, the transaction response information is saved if it fails.
优选的，图2所示的金融数据处理方法还可以包括安全下载卡磁道信息的步骤。参照图4，为安全下载卡磁道信息的步骤流程图，可以保证卡磁道信息安全的下载至相应的智能卡中，包括以下步骤：Preferably, the financial data processing method shown in FIG. 2 may further include a step of securely downloading card track information. Referring to Figure 4, it is a flow chart of the steps for safely downloading the card track information, which can ensure that the card track information is safely downloaded to the corresponding smart card, including the following steps:
401、向智能卡中预置用户身份信息，所述身份信息与用户的金融卡磁道信息相对应；401. Preset user identity information into the smart card, where the identity information corresponds to the magnetic track information of the user's financial card;
402、移动终端设备通过智能卡接口，调用所述身份信息，并与金融卡磁道信息下载请求一同发送至下载服务器；402. The mobile terminal device invokes the identity information through the smart card interface, and sends it to the download server together with the financial card track information download request;
403、所述下载服务器对上述信息进行认证，认证通过后，连接相应的发卡机构返回相应的金融卡磁道信息。403. The download server authenticates the above information, and after the authentication is passed, connects to the corresponding card issuer and returns the corresponding financial card magnetic track information.
通过在发行智能卡时预置在其中的用户唯一的身份信息，从而保证发起下载请求的智能卡是合法安全的。在验证信息中，还可以包括移动终端设备标识信息与智能卡标识信息的对应，进一步加强对下载请求的验证。By presetting the unique identity information of the user when the smart card is issued, the smart card that initiates the download request is guaranteed to be legal and safe. The verification information may also include the correspondence between the identification information of the mobile terminal device and the identification information of the smart card, so as to further strengthen the verification of the download request.
上述安全下载流程还可以包括加密步骤：移动终端设备通过智能卡接口，调用该智能卡内存储的加密算法以及该智能卡的唯一标识信息，对用户的身份信息以及金融卡磁道信息下载请求进行硬加密后发送；所述下载服务器对上述信息解密后进行认证。并且，所述发卡机构还可以将相应的金融卡磁道信息加密后，再返回至相应的移动请求终端。The above-mentioned secure download process may also include an encryption step: the mobile terminal device invokes the encryption algorithm stored in the smart card and the unique identification information of the smart card through the smart card interface, hard-encrypts the user's identity information and the financial card magnetic track information download request, and then sends the ; The download server performs authentication after decrypting the above information. Moreover, the card issuer may also encrypt the corresponding financial card magnetic track information, and then return to the corresponding mobile requesting terminal.
请参阅图5，为安全下载卡磁道信息的具体实例的步骤流程图，具体过程如下：Please refer to Fig. 5, it is a flow chart of the steps of a specific example of safely downloading card magnetic track information, and the specific process is as follows:
501、在发行智能卡时预置用户的唯一的身份信息；所述身份信息可以为户姓名、证件类型、证件号码等信息；501. Preset the unique identity information of the user when issuing the smart card; the identity information may be information such as the user name, certificate type, certificate number, etc.;
502、手机启动管理单元，选择金融卡绑定功能，输入智能卡芯片管理密码和金融卡号等信息；所述智能卡芯片管理密码用于认证用户操作智能卡的权限；所述金融卡号即为需要下载卡磁道信息的金融卡。502. The mobile phone starts the management unit, selects the financial card binding function, and enters information such as the smart card chip management password and the financial card number; the smart card chip management password is used to authenticate the user's authority to operate the smart card; the financial card number is the card that needs to be downloaded information on financial cards.
503、手机向智能卡读取用户姓名、证件类型、证件号码等信息并调用智能卡芯片的加密算法对上述信息进行加密；手机将芯片标识信息ID、卡号、手机唯一标识号(IMSI)、及加密后的信息一起通过无线网络传送至服务器；503. The mobile phone reads information such as the user's name, certificate type, and certificate number from the smart card and calls the encryption algorithm of the smart card chip to encrypt the above information; the mobile phone sends the chip identification information ID, card number, mobile phone unique identification number (IMSI), and encrypted The information is sent to the server through the wireless network together;
504、服务器对加密信息进行解密并认证，向CUPS发送获取金融卡磁道信息的请求；CUPS向发卡机构转发申请磁道信息的请求；504. The server decrypts and authenticates the encrypted information, and sends a request to CUPS to obtain magnetic track information of the financial card; CUPS forwards the request to apply for magnetic track information to the card issuer;
505、发卡机构通过验证，把磁道信息传回CUPS；CUPS向服务器传送磁道信息；505. The card issuer passes the verification and sends the track information back to CUPS; CUPS sends the track information to the server;
506、服务器采用相应加密算法对磁道信息加密后发送到手机；506. The server uses a corresponding encryption algorithm to encrypt the track information and then sends it to the mobile phone;
507、手机将获得的信息写入卡中；管理单元显示金融卡绑定成功。507. The mobile phone writes the obtained information into the card; the management unit displays that the binding of the financial card is successful.
优选的，图2所示的金融数据处理方法还可以包括现场小额支付的步骤。Preferably, the financial data processing method shown in FIG. 2 may also include the step of on-site micro-payment.
图2所示的金融数据处理方法中智能卡中还预置有小额支付管理模块，用于管理小额支付帐户；所述智能卡能够通过磁感应的方式接收小额支付请求；所述智能卡自行对所述小额支付帐户根据所述小额支付请求完成结算。例如，现场票务收费系统通过磁感应的方式向设置在移动终端设备中的智能卡发送小额支付请求，该智能卡自行对设置在其中的小额支付帐户根据所述小额支付请求完成结算。In the financial data processing method shown in Fig. 2, a micropayment management module is preset in the smart card for managing the micropayment account; the smart card can receive a micropayment request through magnetic induction; The micropayment account completes the settlement according to the micropayment request. For example, the on-site ticket charging system sends a small-amount payment request to the smart card set in the mobile terminal device through magnetic induction, and the smart card completes the settlement for the small-amount payment account set therein according to the small-amount payment request.
上述步骤减少了一些安全验证的步骤，但是可以带来相当的便利，可以避免连接服务器和相应的金融数据处理终端，故将上述步骤完善至图2所示的方法中，可以满足所述金融数据处理方法的广泛应用。The above steps reduce some security verification steps, but it can bring considerable convenience, and can avoid connecting the server and the corresponding financial data processing terminal, so the above steps are improved to the method shown in Figure 2, which can meet the requirements of the financial data. Wide application of processing methods.
优选的，图2所示的金融数据处理方法还可以包括远程小额支付的步骤。Preferably, the financial data processing method shown in FIG. 2 may also include the step of remote micropayment.
即虽然金融数据处理是远程处理的，但是还是可以优选的在安全性和便利性之间寻找一个平衡。That is, although financial data processing is done remotely, it is still preferable to find a balance between security and convenience.
远程小额支付的流程可以包括以下步骤：在智能卡内预置小额支付管理模块7016，用于管理小额支付帐户；移动终端设备发送小额支付请求以及相关交易信息至服务器；服务器返回结算命令以及第一校验码；移动终端设备验证第一校验码，验证通过后，调用所述智能卡，根据所述结算命令对所述小额支付帐户完成结算，并生成第二校验码；服务器验证第一校验码，验证通过后，向交易商品或者交易服务提供商发送结算成功消息。The process of remote micropayment may include the following steps: preset a micropayment management module 7016 in the smart card for managing micropayment accounts; the mobile terminal device sends a micropayment request and related transaction information to the server; the server returns a settlement command and the first verification code; the mobile terminal device verifies the first verification code, and after the verification is passed, invokes the smart card, completes the settlement of the micropayment account according to the settlement command, and generates a second verification code; the server Verify the first verification code, and after the verification is passed, send a settlement success message to the transaction commodity or transaction service provider.
请参阅图6，为远程小额支付具体应用的流程图，具体过程如下：Please refer to Figure 6, which is a flow chart of the specific application of remote micropayment. The specific process is as follows:
601、在手机浏览器上访问SP在服务交付平台提供的消费服务，如商品购买、服务购买等，并在相应页面上确认要求支付；手机发送请求信息发送至SP；601. Access the consumption services provided by the SP on the service delivery platform on the mobile phone browser, such as commodity purchase, service purchase, etc., and confirm the request for payment on the corresponding page; the mobile phone sends the request information to the SP;
602、SP计算交易金额，将交易金额及相关信息返回至手机；602. The SP calculates the transaction amount, and returns the transaction amount and related information to the mobile phone;
603、初始化交易步骤：手机接到返回信息后，联系服务器，并且要求进行远程小额支付交易；服务器发出初始化购买(Initialize for Purchase)命令；手机调用智能卡与手机间的函数接口(API接口)进行初始化购买，并获得结果信息，转发服务器；603. Steps of initializing the transaction: after the mobile phone receives the returned information, it contacts the server and requests a remote micropayment transaction; the server issues an Initialize for Purchase command; the mobile phone calls the function interface (API interface) between the smart card and the mobile phone to carry out Initialize the purchase, obtain the result information, and forward the server;
604、根据上述初始化结果信息，服务器生成第一校验码(MAC1)，并发出扣款命令(Debit for Purchase)；604. According to the above initialization result information, the server generates the first verification code (MAC1), and issues a debit command (Debit for Purchase);
605、手机调用智能卡API接口验证MAC1，并且在智能卡芯片中完成扣款及生成第二校验码(MAC2)，手机将MAC2发送至服务器；605. The mobile phone calls the smart card API interface to verify MAC1, and completes deduction and generates a second verification code (MAC2) in the smart card chip, and the mobile phone sends MAC2 to the server;
606、手机向显示小额支付完成的信息，服务器对第二校验码(MAC2)进行验证，如果验证通过，则向SP发送提交用户服务的请求；SP返回接受的应答信息，并向手机提交服务或产品，手机显示交易成功的信息；606. The mobile phone displays the information that the micropayment is completed, and the server verifies the second verification code (MAC2). If the verification is passed, a request for submitting user services is sent to the SP; the SP returns an accepted response message and submits it to the mobile phone. For services or products, the mobile phone displays the information of successful transaction;
607、服务器向CUPS发送批结信息，该批结信息非实时发送，可采取定时发送的方式；CUPS进行清分清算处理并且返回成功应答信息。607. The server sends batching information to CUPS. The batching information is not sent in real time, but can be sent at regular intervals; CUPS performs clearing and liquidation processing and returns a successful response message.
优选的，图2所示的金融数据处理方法还可以用于小额支付帐户充值。即通过存储在智能卡中的卡磁道信息对该智能卡中的小额支付帐户进行远程充值，包括以下步骤：在智能卡内预置小额支付管理模块，用于管理小额支付帐户；移动终端设备通过交易报文的方式发送金融卡磁道信息和所述小额支付帐户的充值请求至服务器；服务器完成相关转帐数据处理后，返回移动终端设备转帐数据处理的结果信息；移动终端设备根据所述结果信息，调用所述智能卡对所述小额支付帐户完成相关充值操作。Preferably, the financial data processing method shown in FIG. 2 can also be used for recharging micropayment accounts. That is, the micropayment account in the smart card is recharged remotely through the card magnetic track information stored in the smart card, including the following steps: a micropayment management module is preset in the smart card for managing the micropayment account; the mobile terminal device passes Send the financial card magnetic track information and the recharge request of the micropayment account to the server in the form of a transaction message; after the server completes the processing of the relevant transfer data, it returns the result information of the transfer data processing of the mobile terminal device; the mobile terminal device , calling the smart card to complete the relevant recharging operation for the micropayment account.
请参阅图7，为本发明一种用于金融数据处理的移动终端设备，包括以下部件：Please refer to Figure 7, which is a mobile terminal device for financial data processing according to the present invention, which includes the following components:
智能卡701，用于下载和存储至少一个金融卡磁道信息7011；
通信单元702，用于通过交易报文的方式发送金融卡磁道信息和待处理数据至服务器，以及接收处理结果信息；The
应用管理单元703，用于管理和调用智能卡。The
包括上述几个单元的移动终端设备就可以完成一般的移动支付中的金融数据处理了，例如，移动终端设备通过调用智能卡701，采用交易报文的方式发送金融卡磁道信息和待处理数据至服务器；服务器将金融卡磁道信息和待处理数据转发至相应数据处理终端；所述数据处理终端完成相关数据的处理并返回处理结果信息。The mobile terminal device including the above units can complete the financial data processing in general mobile payment. For example, the mobile terminal device sends the financial card magnetic track information and data to be processed to the server by calling the
优选的，所述智能卡701中还预置有加密算法7012和该智能卡的唯一标识信息7013；应用管理单元703先通过智能卡接口，调用所述加密算法以及该智能卡的唯一标识信息，对金融卡磁道信息和待处理数据进行硬加密，加密之后再通过通信单元702以交易报文的方式发送。所述智能卡的唯一标识信息用于加密或者校验，可以通过明文或者密文的形式传输，并且必须要读取对应的智能卡才能获取，否则，无法使用该标识信息。Preferably, the
上述结构能够保证卡磁道信息在使用过程中的安全，但是优选的，为了保证卡磁道信息在下载流程中的安全，则图7所示的系统所包括的单元还要具有其他的功能：所述智能卡701中还预置有用户的身份信息7014，所述身份信息与用户的金融卡磁道信息相对应；应用管理单元703通过智能卡接口，调用所述身份信息；通信单元702将所述身份信息与金融卡磁道信息下载请求一同发送至下载服务器。所述身份信息可以包括用户姓名、证件号码等，可以在该智能卡701发行时就预置在该卡内，通过身份信息与智能卡标识之间的对应关系就可以保证下载请求的合法性。优选的，在验证过程中，还可以包括移动终端设备的标识信息。The above-mentioned structure can guarantee the safety of the card track information during use, but preferably, in order to ensure the safety of the card track information in the download process, the units included in the system shown in Figure 7 will also have other functions: the
优选的，下载请求和用户的身份信息也可以进行加密，则所述智能卡701中还需要预置有加密算法7012和该智能卡的唯一标识信息7013；应用管理单元703先通过智能卡接口，调用所述加密算法以及该智能卡的唯一标识信息，对用户的身份信息以及金融卡磁道信息下载请求进行硬加密，加密之后再通过通信单元702进行发送。当然，发卡机构返回的卡磁道信息也可以为密文形式的，进一步保证卡磁道信息在传输过程中的安全。Preferably, the download request and the user's identity information can also be encrypted, and then the
优选的，为了满足现场支付以及交易数据不易传送至移动终端设备中的情况，图7所示系统的智能卡701还可以包括磁感应单元7015，所述磁感应单元用于通过磁感应的方式将金融卡磁道信息发送至销售终端，由销售终端发送金融卡磁道信息和待处理数据至服务器。所述磁感应单元7015也可以位于智能卡701之外，位于移动终端设备中即可。Preferably, in order to meet the situation that on-site payment and transaction data are not easily transmitted to the mobile terminal device, the
拥有磁感应单元的移动终端设备还可以用于现场的小额支付，减少和服务器、金融数据处理终端之间的数据通讯，提高处理效率。其中，所述磁感应单元7015用于通过磁感应的方式接收小额支付请求；所述智能卡701内还预置有小额支付管理模块7016，用于管理小额支付帐户；移动终端设备还需要包括自动结算单元704，用于对智能卡701内的所述小额支付帐户根据所述小额支付请求完成结算。The mobile terminal device with the magnetic induction unit can also be used for on-site micro-payment, reducing data communication with the server and financial data processing terminal, and improving processing efficiency. Wherein, the magnetic induction unit 7015 is used to receive small payment requests through magnetic induction; the
对于远程的小额支付，对上述系统稍加改造即可，其中：所述智能卡701内已经预置有小额支付管理模块7016，用于管理小额支付帐户；通信单元702用于发送小额支付请求以及相关交易信息至服务器；移动终端设备还需要包括验证单元705，用于校验服务器返回的结算命令以及第一校验码；自动结算单元704，用于根据所述结算命令对智能卡701内的所述小额支付帐户完成结算，并生成第二校验码。所述第一和第二校验码用于保证结算命令和结算结果在传输过程中的安全和正确。For remote micropayment, the above system can be slightly modified, wherein: the
图7所示的系统还可以用于通过智能卡701内存储的卡磁道信息对该智能卡701内设置的小额帐户进行充值操作，其中：所述智能卡701内需要预置有小额支付管理模块7016，用于管理小额支付帐户；通信单元702用于通过交易报文的方式发送金融卡磁道信息和所述小额支付帐户的充值请求至服务器；自动结算单元704，用于根据服务器返回的充值结果信息，对智能卡701内的所述小额支付帐户完成相关充值操作。The system shown in FIG. 7 can also be used to recharge the small-amount account set in the
以上对本发明所提供的一种金融数据处理方法和移动终端设备，进行了详细介绍，本文中应用了具体个例对本发明的原理及实施方式进行了阐述，以上实施例的说明只是用于帮助理解本发明的方法及其核心思想；同时，对于本领域的一般技术人员，依据本发明的思想，在具体实施方式及应用范围上均会有改变之处，综上所述，本说明书内容不应理解为对本发明的限制。A financial data processing method and mobile terminal equipment provided by the present invention have been introduced in detail above. In this paper, specific examples are used to illustrate the principle and implementation of the present invention. The description of the above embodiments is only for helping understanding The method of the present invention and its core idea; at the same time, for those of ordinary skill in the art, according to the idea of the present invention, there will be changes in the specific implementation and scope of application. In summary, the content of this specification should not be construed as a limitation of the invention.
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