Apple Pay 整体流程

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发布于 2019-03-19 17:37:30

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发布于 2019-03-19 17:37:30

文章被收录于专栏：iOS 开发杂谈iOS 开发杂谈

下图为目前国内 Apple Pay 支付接入的一个通用的流程（银联 API 模式），仅供参考：

整个流程中如下：

客户端通过苹果 API，在 APP 应用内展示 Apple Pay 支付控件。
用户在 Apple Pay 的支付控件上进行生物验证（指纹或者人脸识别）或者手机密码验证。
苹果在用户验证通过之后，会生成一个用户选中的银行卡相关的 PaymentToken 加密数据，Apple Pay 必须在有网情况下才能进行，苹果需要从开发者网站上使用证书的公钥进行加密，完成后通过 API 回调返回给客户端前端。
客户端获取到 PaymentToken 后，给服务端发送扣款请求，等待支付结果。
服务端收到客户端上送的 PaymentToken，解密 PaymentToken 取出一些关键字段信息，附带其他订单信息，再与支付供应商（如国内银联）进行通信发起扣款。
服务端收到扣款结果后，再返支付结果给手机客户端，最终通知用户支付结果。

Apple Pay 数据加密

Apple Pay 中传输中的 PaymentToken 有着一套非常完善的加密安全机制。国外统一用的是 ECC 加密方式，只有中国用的是 RSA 加密方式，详见官方 PaymentToken 说明。 PaymentToken 数据是 JSON 数据格式，其中包含了苹果加密后的支付信息数据。

国内 RSA 加密方式，得到的 PaymentToken 格式：

Printing description of dicFormatToken:
{
    data = "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";
    header = {
        publicKeyHash = "SZkR3HHxbFs5OhazAr+lFsAbZZnfhj8Cv/yx3c/Qb5k=";
        transactionId = d5cc4b5741ba1a184680c7d78aecbac1c43cd6bb9f739f9b5a3536f6c532b2a5;
        wrappedKey = "DJF5TsSip7sQoh4NqK6XtDpWIqliSk/WqPslsaG8dx2O27Fhnc6VMj3t+i00WNYk/IcLMh7HRXgEnMeH5VYz8+hmxxt/1Rf/Gwiwj2RphIeCSvmaShgIMIiLCIzelzRneS6fylfnELlywff6twWxeb+0Zlfpkk2a3Dm6oasv7KRfBljoJ68p1cDZ6/lkTSb3PNQLWkfltB8IeqP/w9lqgGENX5E5z85EbxkXNNhd41uPhCVH7XYQk6xx5mRdTlI6Xb4DQ8yoryUVsKgRlO8laNaMDiEpRiTwzu5jBJiYxsXDYfO6G+KZqYZDXAm11wn/nUj7ZwNVFnkmI+5hfstHQg==";
    };
    signature = "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";
    version = "RSA_v1";
}

国内的 Apple Pay 加密方式是其实是 RSA + AES，RSA 是一种非对称加密，AES 是一种对称加密。上面的 data 实际由 AES 加密后得到。AES 的密钥藏在 Header 里面的 wrappedKey 中，被 RSA 加密保护着。

国内加密 data 解密后，如下：

{    
  "applicationPrimaryAccountNumber":"62583300888880215",   
  "applicationExpirationDate": "270101",      
  "currencyCode": "156",      
  "transactionAmount": 0,      
  "deviceManufacturerIdentifier": "062010011111",      
  "paymentDataType": "EMV",      
  "paymentData": {
    "emvData":"nyYItis3L6CiQbufNgIACYECAE2DgZCgujJqvZh6gtCOicVyx2tOh1ncXHOQ9bhYMObxz+IHR5a4PD93thtwu7RKyIFb2zab3wkj0oMcra5Cf+J+JbXdk0FxxxxxxxxxxT56HVqNMBp4M/7Uh36lblsiLkvW0H3rwLVWE/CV4/h0="       
  }
}

解密后我们都可以看到的 deviceManufacturerIdentifier 就是手机 Wallet 里面绑定银行卡的虚拟卡号，这个是要给到支付供应商发起扣款用到的。

引用

https://juejin.im/entry/5b743d355188256148253671

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原始发表：2019.03.14 ，如有侵权请联系 cloudcommunity@tencent.com 删除

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