CN101841809B - Mobile phone terminal supporting simulated POS transactions and system - Google Patents

Abstract

The invention discloses a mobile phone terminal supporting simulated POS transactions and a system. The mobile phone terminal supporting the simulated POS transactions has a function of a simulated POS client and a function of transmitting a communication signaling message of the simulated POS client to the simulated POS client if the communication signaling message is received, so a simulated POS function is supported on a wireless broadband mobile phone terminal to ensure that a wireless broadband mobile phone user can perform high-level security remote payment through the simulated POS client anytime and anywhere, and a commodity is taken or a transaction is confirmed on a merchant POS through a medium carrying a spot transaction confirmation identification code.

Description

A kind of mobile telephone terminal and system that supports simulated POS transactions

Technical field

The present invention relates to the mobile communication technology field, particularly a kind of mobile telephone terminal and system that supports simulated POS transactions.

Background technology

In present communication technical field and financial on-site payment field, bank card user is paid as non-cash means of payment at the POS of franchised business brush bank card, along with the development of mobile communication wireless broadband technology, so that can be used in described user's remote payment simulated POS, user's mobile telephone terminal becomes new demand.The English full name of described POS is Pointof Sale, refer to point of sales terminal, it is a kind of multi-functional terminal end, the franchised business that it is installed in bank card is unified into network with accepting in the site with computer, just can realize that electronic funds transfers accounts automatically, it has the functions such as supporting consumption, pre-authorization, inquiry into balance and transfers accounts, and uses safety, quick, reliable.

Become mobile phone emulation POS to be used for user's remote payment, difficulty is key problem and trade company's compatibling problem.The inventor thinks, use the data function of mobile phone, increase the simulated POS client-side program at mobile telephone terminal, obtain the data channel computing key A of simulated POS by the simulated POS client-side program, by communication functions such as short message or audio calls, make the simulated POS client obtain the signalling path computing key B of simulated POS, the simulated POS client is according to the master key of the simulated POS of predetermined rule on take data channel computing key A and signalling path computing key B as parameter generates described mobile telephone terminal.Because the data communication of mobile communication is carried out in the PS territory, signaling communication is carried out in the CS territory, so the master key of simulated POS is difficult to be intercepted, thereby solves the safety problem of the master key of the simulated POS client on the portable terminal; By the simulated POS server, receive the mobile phone simulated POS transactions, in the transaction blocked the square mark code be replaced by trade company under the commodity in the remote transaction blocked the square mark code after, generate new transaction bag and send to transaction system, solve trade company's compatibling problem, thereby supported the remote transaction of the mobile telephone terminal simulated POS of all POS trade company merchandisings.

Providing the service of commodity remote payment by mobile telephone terminal simulated POS client, make mobile telephone terminal have the function of simulated POS, is the rule of objective reality.Use this objective law, the inventor thinks, adopt following technological means, can solve the technical problem that makes mobile telephone terminal have the simulated POS function: set up the simulated POS server and interconnect by data network with existing transaction system, the simulated POS server is by data network and mobile telephone terminal interconnection, provide mobile telephone terminal mutual by data channel and simulated POS server communication, by the interconnection of mobile communications network and mobile telephone terminal, provide mobile telephone terminal to pass through the mobile communication signaling and the simulated POS server communication is mutual; Increase the simulated POS client-side program at mobile telephone terminal, obtain the data channel computing key A of simulated POS from the simulated POS server by the simulated POS client-side program, by communication functions such as short message or audio calls, make the simulated POS client obtain the signalling path computing key B of simulated POS from the simulated POS server, the simulated POS client is according to the master key of the simulated POS of predetermined rule on take data channel computing key A and signalling path computing key B as parameter generates described mobile telephone terminal; The simulated POS transactions instruction sends to the simulated POS server by mobile telephone terminal by data network, the simulated POS server receives simulated POS transactions, in the simulated POS transactions blocked the square mark code be replaced by in the remote transaction trade company under the commodity blocked the square mark code after, generate new transaction bag and send to transaction system, and the transaction execution result that transaction system is returned, return to the simulated POS on the mobile telephone terminal, simulated POS is showed transaction results.

Also do not retrieve at present the technical scheme that increases simulated POS at mobile telephone terminal.

Summary of the invention

The object of the invention is to support mobile telephone terminal and the system of simulated POS transactions, take in the Internet or the mobile data network be provided at as the mobile phone user on the mobile phone of oneself, finish the remote payment service by the simulated POS client.

Technical scheme of the present invention is as follows:

A kind of mobile telephone terminal of supporting simulated POS is characterized in that, comprises following functions:

The simulated POS client, during first operation, obtain the initial computing key of data channel by data channel from the simulated POS server, and receive the initial computing key of signalling path that the simulated POS server sends by signalling path, generate the master key of simulated POS as parameter take the initial computing key of data channel and the initial computing key of signalling path according to predetermined rule; If the user is option dealing on the simulated POS client, then the simulated POS client is obtained transaction key computing random number by data channel from the simulated POS server, use the master key of simulated POS to generate disposable transmission security key and one-time transaction cryptoguard key according to predetermined rule, the described user's of simulated POS customer end adopted described one-time transaction cryptoguard secret key encryption account trading password, after adopting described disposable transmission security key that the simulated POS transactions field is carried out digital signature, generate the simulated POS transactions message, the described simulated POS transactions message of simulated POS customer end adopted and simulated POS server communication are mutual, the transaction of execution Client-initiated, and show transaction results;

If receive the communication signaling message of simulated POS client, then be sent to the simulated POS client.

Described simulated POS server is used for the user account information of management simulated POS client, management and the initial computing key of data channel and the initial computing key of signalling path that generate the user, management is by the master key of the simulated POS client of the initial computing key of data channel and the initial computing key generation of signalling path, management and the disposable transmission security key and the one-time transaction cryptoguard key that generate the user; Transmit user's key information to the simulated POS client; Receive the transaction request message of simulated POS client, convert standard P OS transaction message to, send to bank card transaction system; Reception is from the transaction response message of bank card transaction system, convert the transaction response message to the simulated POS client of initiating described transaction to after, send to described simulated POS client.

Wherein, described transaction comprises inquiry into balance, payment, consumes, transfers accounts and/or returns goods.

Wherein, the Bank Account Number of described transaction is inputted by the user, or is selected from pre-stored Bank Account Number on mobile telephone terminal by the user, or selects from pre-stored Bank Account Number on the simulated POS server.

Wherein, described emulation client further comprises merchandise news and the price impression window of trade company, trade company, and the user can select payment transaction behind described window selection commodity.

Wherein, the user name of described simulated POS client login simulated POS server can arrange a corresponding as seen and confirm identity type, and described as seen confirms that identity type refers to interim picking password, or the magnetic stripe coding, or non-contact RF ID identification code, or IC-card identification code; The user uses as seen to confirm identification code bearing medium on-the-spot affirmation transaction or delivery of cargo on the POS of the trade company of simulated POS remote payment.

Wherein, the POS transaction message that the user uses as seen affirmation identification code medium to carry out the as seen affirmation is sent to the simulated POS server, confirmed identification code and the described transaction of POS trade company identification code verification and return the transaction response message according to as seen by the simulated POS server, POS shows transaction results information.

Wherein, described simulated POS transactions message adopts the existing transaction message of POS, especially, in the transaction message blocked the square mark code be under the commodity in the described transaction trade company blocked the square mark code.

A kind of bank card transaction system of supporting simulated POS is characterized in that, comprising:

The mobile telephone terminal of one or more support simulated POSs has the function of simulated POS client; Be connected with the simulated POS server by data network, carry out information interaction with the simulated POS server by data channel; Connect the simulated POS server by mobile communications network, carry out information interaction with the simulated POS server by signalling path;

The simulated POS server is connected with the mobile telephone terminal of supporting simulated POS by data network, is connected with bank card transaction system by data network, connects the mobile telephone terminal of supporting simulated POS by mobile communications network; Management and the initial computing key of data channel and the initial computing key of signalling path that generate the user, management is by the master key of the simulated POS client of the initial computing key of data channel and the initial computing key generation of signalling path, management and the disposable transmission security key and the one-time transaction cryptoguard key that generate the user; Transmit user's key information to the simulated POS client; Receive the transaction request message of simulated POS client, convert standard P OS transaction message to, send to bank card transaction system; Reception is from the transaction response message of bank card transaction system, convert the transaction response message to the simulated POS client of initiating described transaction to after, send to described simulated POS client;

Bank card transaction system is connected with the simulated POS server by data network, is used for finishing the system of bank card business dealing.

A kind of network bank trading system that supports simulated POS is characterized in that, comprising:

The mobile telephone terminal of one or more support simulated POSs has the function of simulated POS client; Be connected with the simulated POS server by data network, carry out information interaction with the simulated POS server by data channel; Connect the simulated POS server by mobile communications network, carry out information interaction with the simulated POS server by signalling path;

The simulated POS server is connected with the mobile telephone terminal of supporting simulated POS by data network, is connected with the Web bank card transaction system by data network, by the mobile telephone terminal of mobile communications network connection support simulated POS; Management and the initial computing key of data channel and the initial computing key of signalling path that generate the user, management is by the master key of the simulated POS client of the initial computing key of data channel and the initial computing key generation of signalling path, management and the disposable transmission security key and the one-time transaction cryptoguard key that generate the user; Transmit user's key information to the simulated POS client; Receive the transaction request message of simulated POS client, convert the standard network transaction message to, send bank card transaction system to the Web; Reception is from the transaction response message of Web bank's card transaction system, convert the transaction response message to the simulated POS client of initiating described transaction to after, send to described simulated POS client;

Web bank's card transaction system is connected with the simulated POS server by data network, is used for supporting the system of Web bank's card transaction.

Effect of the present invention is: support the simulated POS function at wireless broadband mobile telephone terminal, make the wireless broadband mobile telephone user can carry out the remote payment of high level of security at any time, everywhere by the simulated POS client, confirm that by the carrying as seen medium of identification code extracts commodity or carries out trade confirmation from the POS of trade company.

Description of drawings

Fig. 1 is the system configuration schematic diagram of the present invention's bank card transaction system of supporting simulated POS.

Fig. 2 is the system configuration schematic diagram that the present invention supports Internet bank's card transaction system of simulated POS.

Fig. 3 is the preferred system construction drawing of embodiments of the invention one.

Fig. 4 is the flow chart that simulated POS client of the present invention realizes consumer sale.

Embodiment

The system configuration schematic diagram of the present invention's bank card transaction system of supporting simulated POS such as Fig. 1, wherein:

Support themobile telephone terminal 120 of simulated POS to connectsimulated POS server 100 bymobile communications network 130;

Simulated POS server 100 is bydata network 140 and bankcard transaction system 110 interconnection;

Preferably, the communication protocol betweensimulated POS server 100 and the bankcard transaction system 110 adopts China Unionpay's issue " interchanger networking United Technologies standard V2.0 " agreement;

Preferably, support themobile telephone terminal 120 of simulated POS and " POS of China Unionpay terminal specification " agreement that the communication protocol between thesimulated POS server 100 adopts China Unionpay's issue;

Preferably, " POS of the China Unionpay terminal specification " of reference, the consumer sale message is defined as follows,

A kind of mobile telephone terminal of supporting simulated POS comprises following functions:

The simulated POS client, during first operation, obtain the initial computing key of data channel by data channel fromsimulated POS server 100, and receive the initial computing key of signalling path thatsimulated POS server 100 sends by signalling path, generate the master key of simulated POS as parameter take the initial computing key of data channel and the initial computing key of signalling path according to predetermined rule; If the user is option dealing on the simulated POS client, then the simulated POS client is obtained transaction key computing random number by data channel fromsimulated POS server 100, use the master key of simulated POS to generate disposable transmission security key and one-time transaction cryptoguard key according to predetermined rule, the described user's of simulated POS customer end adopted described one-time transaction cryptoguard secret key encryption account trading password, after adopting described disposable transmission security key that the simulated POS transactions field is carried out digital signature, generate the simulated POS transactions message, the described simulated POS transactions message of simulated POS customer end adopted andsimulated POS server 100 communication interactions, the transaction of execution Client-initiated, and show transaction results;

If receive the communication signaling message of simulated POS client, then be sent to the simulated POS client.

Simulated POS server 100 is used for the user account information of management simulated POS client, management and the initial computing key of data channel and the initial computing key of signalling path that generate the user, management is by the master key of the simulated POS client of the initial computing key of data channel and the initial computing key generation of signalling path, management and the disposable transmission security key and the one-time transaction cryptoguard key that generate the user; Transmit user's key information to the simulated POS client; Receive the transaction request message of simulated POS client, convert standard P OS transaction message to, send to bankcard transaction system 110; Reception is from the transaction response message of bankcard transaction system 110, convert the transaction response message to the simulated POS client of initiating described transaction to after, send to described simulated POS client.

Wherein, described transaction comprises inquiry into balance, payment, consumes, transfers accounts and/or returns goods.

Wherein, the Bank Account Number of described transaction is inputted by the user, or is selected from pre-stored Bank Account Number on mobile telephone terminal by the user, or selects from pre-stored Bank Account Number onsimulated POS server 100.

Wherein, described emulation client further comprises merchandise news and the price impression window of trade company, trade company, and the user can select payment transaction behind described window selection commodity.

Wherein, the user name of described simulated POS client login simulatedPOS server 100 can arrange a corresponding as seen and confirm identity type, and described as seen confirms that identity type refers to interim picking password, or the magnetic stripe coding, or non-contact RF ID identification code, or IC-card identification code; The user uses as seen to confirm identification code bearing medium on-the-spot affirmation transaction or delivery of cargo on the POS of the trade company of simulated POS remote payment.

Wherein, the POS transaction message that the user uses as seen affirmation identification code medium to carry out the as seen affirmation is sent to simulatedPOS server 100, confirmed identification code and the described transaction of POS trade company identification code verification and return the transaction response message according to as seen by simulatedPOS server 100, POS shows transaction results information.

Wherein, described simulated POS transactions message adopts the existing transaction message of POS, especially, in the transaction message blocked the square mark code be under the commodity in the described transaction trade company blocked the square mark code.

A kind of bank card transaction system of supporting simulated POS comprises:

Themobile telephone terminal 120 of one or more support simulated POSs has the function of simulated POS client; Be connected with simulatedPOS server 100 by data network, carry out information interaction with simulatedPOS server 100 by data channel; Connect simulatedPOS server 100 by mobile communications network, carry out information interaction with simulatedPOS server 100 by signalling path;

SimulatedPOS server 100 is connected 120 bydata network 130 with the mobile telephone terminal of supporting simulated POS, is connected with bankcard transaction system 110 bydata network 140, connects themobile telephone terminal 120 of supporting simulated POS bymobile communications network 130; Management and the initial computing key of data channel and the initial computing key of signalling path that generate the user, management is by the master key of the simulated POS client of the initial computing key of data channel and the initial computing key generation of signalling path, management and the disposable transmission security key and the one-time transaction cryptoguard key that generate the user; Transmit user's key information to the simulated POS client; Receive the transaction request message of simulated POS client, convert standard P OS transaction message to, send to bankcard transaction system 110; Reception is from the transaction response message of bankcard transaction system 110, convert the transaction response message to the simulated POS client of initiating described transaction to after, send to described simulated POS client;

Bankcard transaction system 110 is connected with simulatedPOS server 100 bydata network 140, is used for finishing the system of bank card business dealing.

The function that it is pointed out that simulatedPOS server 100 can be integrated into realization in the bankcard transaction system 110.

Such as Fig. 2, Fig. 2 is the system configuration schematic diagram that the present invention supports Internet bank's card transaction system of simulated POS, wherein:

Support themobile telephone terminal 120 of simulated POS to connect simulatedPOS server 100 bymobile communications network 130;

SimulatedPOS server 100 is bydata network 140 and 150 interconnection of Internet bank's card transaction system;

Preferably, the communication protocol between simulatedPOS server 100 and the Internet bank'scard transaction system 150 adopts China Unionpay's issue " interchanger networking United Technologies standard V2.0 " agreement;

Preferably, support themobile telephone terminal 120 of simulated POS and " POS of China Unionpay terminal specification " agreement that the communication protocol between the simulatedPOS server 100 adopts China Unionpay's issue.

A kind of network bank trading system that supports simulated POS comprises:

Themobile telephone terminal 120 of one or more support simulated POSs has the function of simulated POS client; Be connected with simulatedPOS server 100 by data network, carry out information interaction with simulatedPOS server 100 by data channel; Connect simulatedPOS server 100 by mobile communications network, carry out information interaction with simulatedPOS server 100 by signalling path;

SimulatedPOS server 100 is connected with the mobile telephone terminal of supporting simulated POS by data network, is connected with Web bankcard transaction system 150 bydata network 140, by themobile telephone terminal 120 ofmobile communications network 130 connection support simulated POSs; Management and the initial computing key of data channel and the initial computing key of signalling path that generate the user, management is by the master key of the simulated POS client of the initial computing key of data channel and the initial computing key generation of signalling path, management and the disposable transmission security key and the one-time transaction cryptoguard key that generate the user; Transmit user's key information to the simulated POS client; Receive the transaction request message of simulated POS client, convert the standard network transaction message to, send bankcard transaction system 150 to the Web; Reception is from the transaction response message of Web bank's card transaction system, convert the transaction response message to the simulated POS client of initiating described transaction to after, send to described simulated POS client;

Web bank'scard transaction system 150 is connected withsimulated POS server 100 bydata network 140, is used for supporting the system of Web bank's card transaction.

For the ease of further understanding the present invention, be described in detail below in conjunction with specific embodiment.

Consulting Fig. 3, is the preferred system construction drawing of embodiments of the invention one, wherein,

Bankcard transaction system 110 is comprised of POSP1101 (POS agency) and CUPS1102 (bank card business dealing gateway), and wherein POSP1101 is responsible for accepting the POS business, and CUPS1102 is responsible for processing the bank card business dealing business of each business bank;

Simulated POS server 100 is database servers, and interconnects by data network between the CUPS1102;

By data network interconnection, interconnect by data network between CUPS1102 and the bank transaction gateway 230 (figure indicating each bank transaction gateway of the n of bank 1 to bank) between CUPS1102 and the POSP1101;

Support the mobile telephone terminal of simulated POS to connect the 120 remote payment transaction bysimulated POS server 100 realization bank cards.

Such as Fig. 4, Fig. 4 is the flow chart that simulated POS client of the present invention realizes consumer sale, and is specific as follows:

F1-F2: the simulated POS client user initiates simulated POS consumption request tosimulated POS server 100 at mobile telephone terminal;

F3-F4:simulated POS server 100 converts simulated POS consumption request to standard P OS consumption message and sends to POSP1101, and POSP1101 sends to CUPS1102 to consumption message message;

F5-F6:CUPS1102 sends to consumption message message thebank transaction gateway 230 of the bank of bank card account number ownership, andbank transaction gateway 230 returns the transaction response message to CUPS1102;

F7-F8:CUPS1102 sends to POSP1101 to the transaction response message, and POSP1101 sends tosimulated POS server 100 to response message;

F9-F10:simulated POS server 100 converts response message to the simulated POS response message and sends to the simulated POS client, simulated POS client shows transaction results message.

Above-described examples of implementation only are preferred implementations of the present invention; should be understood that; for those skilled in the art; under the prerequisite that does not break away from the principle of the invention; can also make some improvement, combination and retouching, these improvement, combination and retouching also should be considered as protection scope of the present invention.

Claims (9)

1. a device that is arranged in the mobile telephone terminal of supporting simulated POS is characterized in that, described mobile telephone terminal is connected with the simulated POS server by data network, carries out information interaction with the simulated POS server by data channel; Connect the simulated POS server by mobile communications network, carry out information interaction with the simulated POS server by signalling path; Described device comprises with lower module:

The simulated POS client, during first operation, obtain the initial computing key of data channel by data channel from the simulated POS server, and receive the initial computing key of signalling path that the simulated POS server sends by signalling path, generate the master key of simulated POS as parameter take the initial computing key of data channel and the initial computing key of signalling path according to predetermined rule; If the user is option dealing on the simulated POS client, then the simulated POS client is obtained transaction key computing random number by data channel from the simulated POS server, use the master key of simulated POS to generate disposable transmission security key and one-time transaction cryptoguard key according to predetermined rule, the described user's of simulated POS customer end adopted described one-time transaction cryptoguard secret key encryption account trading password, after adopting described disposable transmission security key that described user's simulated POS transactions field is carried out digital signature, generate the simulated POS transactions message, the described simulated POS transactions message of simulated POS customer end adopted and simulated POS server communication are mutual, the transaction of execution Client-initiated, and show transaction results;

Receiver module if described mobile telephone terminal receives the communication signaling message of simulated POS client, then is sent to the simulated POS client.

2. the device that is arranged in the mobile telephone terminal of supporting simulated POS according to claim 1, it is characterized in that, described simulated POS server is used for the user account information of management simulated POS client, management and the initial computing key of data channel and the initial computing key of signalling path that generate the user, management is managed described disposable transmission security key and one-time transaction cryptoguard key by the master key of the simulated POS of the initial computing key of data channel and the initial computing key generation of signalling path; Transmission user's the initial computing key of data channel and the initial computing key of signalling path are to the simulated POS client; Receive the transaction request message of simulated POS client, convert standard P OS transaction message to, send to bank card transaction system; Reception is from the transaction response message of bank card transaction system, convert the transaction response message to the simulated POS client of initiating described transaction to after, send to described simulated POS client.

3. the device that is arranged in the mobile telephone terminal of supporting simulated POS according to claim 1 is characterized in that, described transaction comprises inquiry into balance and/or consumption.

4. the device that is arranged in the mobile telephone terminal of supporting simulated POS according to claim 1, it is characterized in that, the Bank Account Number of described transaction is inputted by the user, or selected from pre-stored Bank Account Number on mobile telephone terminal by the user, or from pre-stored Bank Account Number on the simulated POS server, select.

5. the device that is arranged in the mobile telephone terminal of supporting simulated POS according to claim 1, it is characterized in that, described simulated POS client further comprises merchandise news and the price impression window of trade company, trade company, and the user can select payment transaction behind described window selection commodity.

6. the device that is arranged in the mobile telephone terminal of supporting simulated POS according to claim 1, it is characterized in that, the user name of described simulated POS client login simulated POS server can arrange a corresponding as seen and confirm identity type, described as seen confirms that identity type refers to interim picking password, or magnetic stripe coding, or non-contact RF ID identification code, or IC-card identification code; The user uses as seen to confirm identification code bearing medium on-the-spot affirmation transaction or delivery of cargo on the POS of the trade company of corresponding simulated POS remote payment; The POS transaction message that the user uses as seen affirmation identification code medium to carry out the as seen affirmation is sent to the simulated POS server, confirmed identification code and the described transaction of POS trade company identification code verification and return the transaction response message according to as seen by the simulated POS server, POS shows transaction results information.

7. the device that is arranged in the mobile telephone terminal of supporting simulated POS according to claim 1, it is characterized in that, described simulated POS transactions message adopts the existing transaction message of POS, in the transaction message blocked the square mark code be under the commodity in the described transaction trade company blocked the square mark code.

8. a bank card transaction system of supporting simulated POS is characterized in that, comprising:

The mobile telephone terminal of one or more support simulated POSs has the function of simulated POS client; Be connected with the simulated POS server by data network, carry out information interaction with the simulated POS server by data channel; Connect the simulated POS server by mobile communications network, carry out information interaction with the simulated POS server by signalling path; Described simulated POS client, during first operation, obtain the initial computing key of data channel by data channel from the simulated POS server, and receive the initial computing key of signalling path that the simulated POS server sends by signalling path, generate the master key of simulated POS as parameter take the initial computing key of data channel and the initial computing key of signalling path according to predetermined rule; If the user is option dealing on the simulated POS client, then the simulated POS client is obtained transaction key computing random number by data channel from the simulated POS server, use the master key of simulated POS to generate disposable transmission security key and one-time transaction cryptoguard key according to predetermined rule, the described user's of simulated POS customer end adopted described one-time transaction cryptoguard secret key encryption account trading password, after adopting described disposable transmission security key that described user's simulated POS transactions field is carried out digital signature, generate the simulated POS transactions message, the described simulated POS transactions message of simulated POS customer end adopted and simulated POS server communication are mutual, the transaction of execution Client-initiated, and show transaction results;

The simulated POS server is connected with the mobile telephone terminal of supporting simulated POS by data network, is connected with bank card transaction system by data network, connects the mobile telephone terminal of supporting simulated POS by mobile communications network; Management and the initial computing key of data channel and the initial computing key of signalling path that generate the user, management is managed described disposable transmission security key and one-time transaction cryptoguard key by the master key of the simulated POS of the initial computing key of data channel and the initial computing key generation of signalling path; Transmission user's the initial computing key of data channel and the initial computing key of signalling path are to the simulated POS client; Receive the transaction request message of simulated POS client, convert standard P OS transaction message to, send to bank card transaction system; Reception is from the transaction response message of bank card transaction system, convert the transaction response message to the simulated POS client of initiating described transaction to after, send to described simulated POS client;

Bank card transaction system is connected with the simulated POS server by data network, is used for finishing the system of bank card business dealing.

9. a network bank trading system that supports simulated POS is characterized in that, comprising:

The mobile telephone terminal of one or more support simulated POSs has the function of simulated POS client; Be connected with the simulated POS server by data network, carry out information interaction with the simulated POS server by data channel; Connect the simulated POS server by mobile communications network, carry out information interaction with the simulated POS server by signalling path; Described simulated POS client, during first operation, obtain the initial computing key of data channel by data channel from the simulated POS server, and receive the initial computing key of signalling path that the simulated POS server sends by signalling path, generate the master key of simulated POS as parameter take the initial computing key of data channel and the initial computing key of signalling path according to predetermined rule; If the user is option dealing on the simulated POS client, then the simulated POS client is obtained transaction key computing random number by data channel from the simulated POS server, use the master key of simulated POS to generate disposable transmission security key and one-time transaction cryptoguard key according to predetermined rule, the described user's of simulated POS customer end adopted described one-time transaction cryptoguard secret key encryption account trading password, after adopting described disposable transmission security key that described user's simulated POS transactions field is carried out digital signature, generate the simulated POS transactions message, the described simulated POS transactions message of simulated POS customer end adopted and simulated POS server communication are mutual, the transaction of execution Client-initiated, and show transaction results;

The simulated POS server is connected with the mobile telephone terminal of supporting simulated POS by data network, is connected with the Web bank card transaction system by data network, by the mobile telephone terminal of mobile communications network connection support simulated POS; Management and the initial computing key of data channel and the initial computing key of signalling path that generate the user, management is managed described disposable transmission security key and one-time transaction cryptoguard key by the master key of the simulated POS of the initial computing key of data channel and the initial computing key generation of signalling path; Transmission user's the initial computing key of data channel and the initial computing key of signalling path are to the simulated POS client; Receive the transaction request message of simulated POS client, convert the standard network transaction message to, send bank card transaction system to the Web; Reception is from the transaction response message of Web bank's card transaction system, convert the transaction response message to the simulated POS client of initiating described transaction to after, send to described simulated POS client;

Web bank's card transaction system is connected with the simulated POS server by data network, is used for supporting the system of Web bank's card transaction.

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