CN103049850A - Mobile payment terminal, system and payment method thereof based on NFC (Near Field Communication) - Google Patents
Mobile payment terminal, system and payment method thereof based on NFC (Near Field Communication) Download PDFInfo
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- CN103049850A CN103049850A CN2013100024209A CN201310002420A CN103049850A CN 103049850 A CN103049850 A CN 103049850A CN 2013100024209 A CN2013100024209 A CN 2013100024209A CN 201310002420 A CN201310002420 A CN 201310002420A CN 103049850 A CN103049850 A CN 103049850A
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Abstract
The invention discloses a terminal, a system and a payment method thereof based on NFC (Near Field Communication) mobile payment. The method comprises the following steps: a mobile terminal or a transaction terminal acquires biological characteristic information of a user to generate an identification key of biological characteristics of the user; the transaction terminal submits transaction information, account and account number of the user and the identification key of biological characteristics of the user to a pavement server terminal to confirm the effectiveness of the transaction. According to the embodiment of the invention, the biological characteristics of the user are used as the unique information for account key identification, so that the payment safety is improved.
Description
Technical field
The present invention relates to the communications field and financial field, particularly a kind of Mobile payment terminal, system and method for payment thereof based on NFC (Near FieldCommunication, near-field communication).
Background technology
Along with banking network system gradual perfection and mode of doing business are promoted diversifiedly, mobile payment progressively obtains certain applying.Present mobile payment mainly contains two kinds of forms, and the one, adopt phone number encrypted code key, an account account that is based on NFC realizes small amount payment.
Owing to adopting the mode of mobile phone cipher code, the use complex operation lacks convenience, and mode of doing business lacks the general habit of transaction of people; Simple NFC module mobile payment, in default of cryptographic key, perhaps cryptographic key is too simple, is easily stolen by the lawless person, can't satisfy the larger transaction-based requirements of amount, therefore affects to a certain extent the popularization of mobile payment.
Summary of the invention
The features and advantages of the present invention are partly statement in the following description, perhaps can describe obviously from this, perhaps can learn by putting into practice the present invention.
Pay unsafe problems in the prior art for overcoming, the invention provides a kind of Mobile payment terminal, system and method for payment thereof, to improve payment safety.
It is as follows that the present invention solves the problems of the technologies described above the technical scheme that adopts:
According to an aspect of the present invention, a kind of portable terminal based on NFC that provides comprises sending module, physical characteristics collecting module and processing module, wherein:
The physical characteristics collecting module is for the biological information that gathers the user;
Processing module is used for the biological information that gathers is processed, and obtains the living things feature recognition key corresponding with biological information;
Sending module is used for to transaction terminal transmission user's account account and living things feature recognition key.
Preferably, in the above-mentioned portable terminal,
Sending module comprises the NFC module, and the NFC module is used for transmitting to transaction terminal user's account account, and transmits the living things feature recognition key by point-to-point function;
Perhaps;
Sending module comprises NFC module and Near Field Communication module, and wherein, the NFC module is used for transmitting user's account account and linking needed pair-wise key with proximity communication module foundation to transaction terminal; The Near Field Communication module is set up the short-range communication passage and is sent the living things feature recognition key to transaction terminal.
Preferably, the physical characteristics collecting module also is used for the acquisition time of record biological information; Correspondingly, sending module also is used for transmitting acquisition time to transaction terminal.
Preferably, the user biological characteristic information comprises any one or the multiple combination in people's face, iris, fingerprint and the person's handwriting.
According to another aspect of the present invention, a kind of transaction terminal based on NFC that provides comprises NFC module and telecommunication module, also comprises physical characteristics collecting module and processing module, wherein:
The NFC module is used for reading the user account account;
The physical characteristics collecting module is used for gathering user's biological information;
Processing module is used for the biological information that gathers is processed, and obtains the living things feature recognition key corresponding with biological information;
The telecommunication module is used for Transaction Information, user account account and user biological feature identification key are submitted to the validity that the paying server end is confirmed this transaction.
Preferably, the physical characteristics collecting module also is used for the acquisition time of record biological information; Correspondingly, telecommunication module also is used for acquisition time is submitted to paying server.
According to a further aspect of the invention, a kind of mobile-payment system based on NFC that provides comprises: portable terminal, transaction terminal and paying server end, wherein:
The portable terminal that portable terminal provides for technique scheme, the perhaps transaction terminal that provides for technique scheme of this transaction terminal;
The paying server end is used for identifying the validity that key is judged this transaction according to the user biological characteristic information that prestores or user biological feature.
Preferably, the paying server end comprises memory module, telecommunication module and judge module, wherein:
Memory module, the account account of typing and corresponding user biological characteristic information thereof when being used for storing user's registered;
The telecommunication module is used for obtaining Transaction Information, account account information and the user biological feature identification key that transaction terminal sends; Also be used for the validity judged result of this transaction is fed back to transaction terminal.
Judge module is for the validity of judging this transaction according to the consistance of the user biological characteristic information that prestores or user biological feature identification key and living things feature recognition key.
Preferably, telecommunication module also is used for obtaining the acquisition time of biological information; Correspondingly, judge module also is used for the validity of determining this transaction of whether effectively further judging according to acquisition time.
Preferably, memory module also is used for the storage user password information; Correspondingly, the password that telecommunication module is also inputted for the user who obtains the transaction terminal transmission; Judge module also is used for the validity whether further encrypted message of judging that the user inputs correctly determines this transaction.
According to a further aspect of the invention, a kind of method of mobile payment based on NFC that provides may further comprise the steps:
A, portable terminal or transaction terminal gather user's biological information, generate the user biological feature identification key corresponding with user's biological information;
B, transaction terminal are submitted to the validity that the paying server end is confirmed this transaction with customer transaction information, account account and user biological feature identification key.
Preferably, when adopting portable terminal to generate user biological feature identification key, also comprise between steps A and the B: portable terminal transmits user account and user biological feature identification key to transaction terminal;
When adopting transaction terminal to generate user biological feature identification key, also comprise before the steps A: portable terminal transmits the user account account information by the NFC mode to transaction terminal.
Preferably, above-mentioned portable terminal specifically comprises to transaction terminal transmission user account and user biological feature identification key:
Portable terminal transmits user's account account to transaction terminal by the NFC mode, and transmit the living things feature recognition key by the point-to-point function of NFC mode;
Perhaps;
Portable terminal transmits user's account account to transaction terminal by the NFC mode, and the point-to-point function by the NFC mode transmits and sets up the needed pair-wise key of distance communication link and automatically set up the Near Field Communication passage, by the short-range communication mode with the living things feature recognition key.
According to embodiments of the invention, this uniqueness information of user biological feature as the identification of account key, has been improved payment safety; Gather the user biological feature by portable terminal or transaction terminal simultaneously, adopted NFC module Card Reader and point-to-point function or close range communication function to carry out the convenience that communication improves payment alternately.
By reading instructions, those of ordinary skills will understand feature and the content of these technical schemes better.
Description of drawings
Below by describing particularly the present invention with reference to the accompanying drawings and in conjunction with example, advantage of the present invention and implementation will be more obvious, wherein content shown in the accompanying drawing only is used for explanation of the present invention, and does not consist of the restriction of going up in all senses of the present invention, in the accompanying drawings:
The structural representation of a kind of portable terminal based on the NFC mobile payment that Fig. 1 provides for the embodiment of the invention;
The structural representation of a kind of transaction terminal based on the NFC mobile payment that Fig. 2 provides for the embodiment of the invention;
The structural representation of a kind of system based on the NFC mobile payment that Fig. 3 provides for the embodiment of the invention;
Another structural representation based on the system of NFC mobile payment that Fig. 4 provides for the embodiment of the invention;
A kind of method flow diagram based on the NFC mobile payment that Fig. 5 provides for the embodiment of the invention;
A kind of method flow diagram based on the NFC mobile payment that Fig. 6 provides for the preferred embodiment of the present invention;
Another method flow diagram based on the NFC mobile payment that Fig. 7 provides for the preferred embodiment of the present invention.
Embodiment
Below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein only in order to explain the present invention, is not intended to limit the present invention.
Embodiment 1
The structural representation of a kind of portable terminal based on the NFC mobile payment that is illustrated in figure 1 as that the embodiment of the invention provides, this portable terminal comprises physical characteristics collecting module 110, processing module 120 and the sending module 130 that connects successively, wherein:
Physical characteristics collecting module 110 is used for gathering user's biological information and recording acquisition time, and sends to processing module 120;
Preferably, the user biological feature includes but not limited to any one or the multiple combination in people's face, iris, fingerprint and the person's handwriting.Specifically can be by camera collection people face information or iris image, gather fingerprint and/or gather any one or multiple combination of person's handwriting by handwriting sensor (such as electromagnetic screen) by fingerprint Identification sensor.
Sending module 130 is used for to transaction terminal transmission user's account account, living things feature recognition key and acquisition time.Need to prove, also be not limited to user's account account, can also be user profile when payment, and this user profile comprises user's account account.
Preferably, sending module 130 can be by 1301 realizations of NFC module, and NFC module 1301 transmits user's account account to transaction terminal, and transmits living things feature recognition key and acquisition time by point-to-point function to transaction terminal.
Perhaps, sending module 130 can also be realized jointly by NFC module 1301 and Near Field Communication module 1302, Near Field Communication module 1302 can comprise other one type or the polytype combination except the NFC mode, such as bluetooth module, WIFI module, 2.4G, 430M, 900M citizens' radio band communication module.Certainly, also can comprise the module that can realize the NFC mode, such as RFID (Radio Frequency Identification, radio-frequency (RF) identification) module.
Wherein, NFC module 1301 transmits user's account account and links needed pair-wise key with proximity communication module 1302 foundation to transaction terminal; Near Field Communication module 1302 is set up the short-range communication passage by needed pair-wise key and transaction terminal, and sends living things feature recognition key and acquisition time to transaction terminal by this short-range communication passage.By cooperatively interacting of NFC module 1301 and Near Field Communication module 1302, can realize that the little data communication device of data volume crosses NFC module 1301 and transmit, the data communication device that data volume is larger is crossed Near Field Communication module 1302 (this Near Field Communication module 1302 does not comprise the NFC mode) and is transmitted.
The structural representation of a kind of transaction terminal based on the NFC mobile payment that is illustrated in figure 2 as that the embodiment of the invention provides; This transaction terminal comprises NFC module 210, physical characteristics collecting module 220, processing module 230 and the telecommunication module 240 that connects successively, wherein:
Physical characteristics collecting module 220 is used for gathering user's biological information and recording acquisition time, and user account account, biological information and acquisition time are sent to processing module 230;
Preferably, the user biological feature includes but not limited to any one or the multiple combination in people's face, iris, fingerprint and the person's handwriting.Can be by camera collection people face information or iris image, gather fingerprint and/or gather any one or multiple combination of person's handwriting by the handwriting sensor by fingerprint Identification sensor.
Embodiment 3
Be illustrated in figure 3 as a kind of system architecture schematic diagram based on the NFC mobile payment that the embodiment of the invention provides.This system comprises the portable terminal 10, transaction terminal 20 and the paying server end 30 that connect successively, wherein:
The biological information that portable terminal 10 gathers the user generates user biological feature identification key and records acquisition time, sends user account account, user biological feature identification key and acquisition time to transaction terminal 20.
Specifically, portable terminal 10 can be the portable terminal devices such as mobile phone, panel computer, it is built-in with physical characteristics collecting module 110, processing module 120 and NFC module 1301 and Near Field Communication module 1302, identical among the technical characterictic of each module and the embodiment 1, here no longer repeat, it is emphasized that the Near Field Communication module 1302 in the present embodiment is optional.
Specifically, transaction terminal 20 can comprise: NFC module 210, telecommunication module 240 and Near Field Communication module 250.Wherein, NFC module 210 is used for reading the user account account; Near Field Communication module 250 is used for obtaining user biological feature identification key and acquisition time; Telecommunication module 240 is used for Transaction Information, user account account, user biological feature identification key and acquisition time are submitted to the validity that the paying server end is confirmed this transaction.
Paying server end 30 is according to the user biological feature identification key of the user biological characteristic information that prestores or user biological feature identification key and transaction terminal 20 transmissions and the validity that acquisition time is judged this transaction.
Specifically, when the paying server end 30 user biological characteristic information that can prestore, the user biological feature that also can prestore identification key.When paying server end 30 prestore be the user biological characteristic information time, paying server 30 can send transaction terminal 20 first user biological feature identification key and resolve, and obtains comparing behind the corresponding user biological characteristic information judging whether consistance again; Also can be first the user biological characteristic information that prestores be converted into user biological feature identification key according to generating the identical rule of user biological feature identification key with biological acquisition module, then sends user biological feature identification key with transaction terminal 20 and compare and judge whether consistance.When paying server end 30 prestore be user biological feature identification key the time, directly send the user biological features with transaction terminal 20 and identify whether consistance of the direct contrast judgement of keys.
Preferably, paying server end 30 can comprise: memory module 310, telecommunication module 320 and judge module 330; Memory module 310, telecommunication module 320 all link to each other with judge module 330, wherein:
The account account of typing and corresponding user biological characteristic information (perhaps user biological feature identification key) during memory module 310 storage user account registration.Memory module 310, the cryptographic key information that can also store as required user preset.
Another structural representation based on the NFC mobile payment that provides for the embodiment of the invention as shown in Figure 4.This system comprises portable terminal 10, transaction terminal 20 and the paying server end 30 that connects successively, wherein:
Specifically, this portable terminal 10 can be the portable terminal devices such as mobile phone, panel computer, and it is built-in with NFC module 1301 and realizes that the user account account information is to transaction terminal 20.
Preferably, transaction terminal 20 can comprise NFC module 210, physical characteristics collecting module 220, processing module 230 and telecommunication module 240, and wherein: NFC module 210 reads the user account account and sends to physical characteristics collecting module 220; Physical characteristics collecting module 220 gathers this user's biological information and records acquisition time, and user account account, biological information and acquisition time are sent to processing module 230; The biological information of 230 pairs of collections of processing module carries out analyzing and processing and obtains the living things feature recognition key, and user account account, biometric keys and acquisition time are sent to processing module 240; Telecommunication module 240 is submitted to the validity that the paying server end is confirmed this transaction with Transaction Information, user account account, user biological feature identification key and acquisition time.
The consistance of the living things feature recognition key that paying server end 30 receives according to the user biological characteristic information that prestores with from transaction terminal 20 is in conjunction with the validity of judging this transaction from the validity of the acquisition time of transaction terminal 20 receptions.The concrete composition of this module is identical with embodiment 3, no longer repeats here.
Embodiment 5
Be illustrated in figure 5 as a kind of method process flow diagram based on the NFC mobile payment that the embodiment of the invention provides, the method may further comprise the steps:
S502, portable terminal or transaction terminal gather user's biological information and record acquisition time, generate user biological feature identification key;
S504, transaction terminal are submitted to the validity that the paying server end is confirmed this transaction with Transaction Information, user account account, user biological feature identification key and acquisition time.
Wherein, when adopting portable terminal to generate user biological feature identification key, also comprise between step S502 and the S504: portable terminal transmits user account, user biological feature identification key and acquisition time to transaction terminal.
When adopting transaction terminal to generate user biological feature identification key, also comprise before the step S502: portable terminal transmits the user account account information by the NFC mode to transaction terminal.Concrete mode for portable terminal near transaction terminal, intend function by the snap gauge of NFC, allow transaction terminal read the account account of NFC Mobile payment terminal.
Preferably, portable terminal transmits user account, user biological feature identification key and acquisition time can be undertaken by following dual mode to transaction terminal:
Mode one, portable terminal transmit user's account account to transaction terminal by the NFC mode, and transmit living things feature recognition key and acquisition time by the point-to-point function of NFC mode.
Mode two, portable terminal transmit user's account account to transaction terminal by the NFC mode, and thereby the point-to-point function by the NFC mode transmits and sets up the needed pair-wise key of distance communication link and automatically set up the Near Field Communication passage, sends living things feature recognition key and acquisition time to transaction terminal by the short-range communication passage.Near Field Communication can include but not limited to bluetooth, WIFI, RFID (RadioFrequency Identification, radio-frequency (RF) identification is RFID), 2.4G, 430M, 900M citizens' radio band communication module, pass through the transmission of short range transmission module after key can also being encrypted again, can prevent further that like this information is ravesdropping, improve transaction security.
Preferably, for further tightening security property, can also comprise step after this method step S504: transaction terminal is submitted to the validity that the paying server end is further confirmed this transaction with user account account and user cipher.
A kind of method flow diagram based on the NFC mobile payment that Fig. 6 provides for the preferred embodiment of the present invention, the method may further comprise the steps:
S602, portable terminal gather user's biological information, generate the living things feature recognition key and record acquisition time;
S604, transaction terminal read the account account of portable terminal by the NFC mode;
S606, portable terminal are sent to user biological feature identification key and acquisition time on the transaction terminal by the point-to-point function of NFC mode, and perhaps user biological feature identification key and the acquisition time of Near Field Communication mode module after with encryption is sent on the transaction terminal;
S608, transaction terminal send to the validity that paying server is confirmed account account and key with Transaction Information, account account, user biological feature identification key and acquisition time;
S610, input password according to the user and further confirm conclude the business correctness and validity.
Embodiment 7
Another method flow diagram based on the NFC mobile payment that Fig. 7 provides for the preferred embodiment of the present invention, the method may further comprise the steps:
S702, portable terminal transmit the user account account of portable terminal by the NFC mode;
S704, transaction terminal gather the user biological characteristic information and generate user biological identification key, and the record acquisition time;
S706, transaction terminal send to the validity that paying server is confirmed account account and key with Transaction Information, account account, user biological feature identification key and acquisition time;
S708, input password according to the user and further confirm conclude the business correctness and validity.
Need to prove, among above-mentioned all embodiment, the acquisition time that relates to all not necessarily, can not record acquisition time when also being portable terminal or transaction terminal collection user's biological information, portable terminal can not transmit acquisition time to transaction terminal, transaction terminal can not submitted acquisition time to paying server, and paying server can not judged the validity of this transaction in conjunction with acquisition time.In actual the enforcement, whether needs confirm that in conjunction with acquisition time the validity of transaction determines whether relating to acquisition time according to application scenarios.Such as: must pay in the collection in worksite biological information situation, the acquisition time in above-described embodiment is exactly necessary, can further strengthen payment safety like this.And other do not have the collecting biological feature information time can not relate to acquisition time in the situation of term of validity requirement.
According to embodiments of the invention, utilize the NFC Card Reader to transmit the account account information, improve the convenience of consumption, utilize simultaneously user's biological characteristic as the account password key, guarantee the uniqueness of password, improve transaction security.
Above with reference to the accompanying drawings of the preferred embodiments of the present invention, be not so limit to interest field of the present invention.Those skilled in the art do not depart from the scope and spirit of the present invention, and can have multiple flexible program to realize the present invention, can be used for another embodiment to obtain another embodiment such as the feature as an embodiment.The equivalence that all utilizations instructions of the present invention and accompanying drawing content are done changes, all should be within interest field of the present invention.
Claims (13)
1. the portable terminal based on the NFC mobile payment is characterized in that, this portable terminal comprises: NFC module, physical characteristics collecting module and processing module, wherein:
Described physical characteristics collecting module is for the biological information that gathers the user;
Described processing module is used for the biological information that gathers is processed, and obtains the living things feature recognition key corresponding with described biological information;
Sending module is used for to transaction terminal transmission user's account account and described living things feature recognition key.
2. portable terminal according to claim 1 is characterized in that,
Described sending module comprises the NFC module, and described NFC module is used for transmitting to transaction terminal user's account account, and transmits described living things feature recognition key by point-to-point function;
Perhaps;
Described sending module comprises NFC module and Near Field Communication module, and wherein, described NFC module is used for transmitting user's account account and linking needed pair-wise key with proximity communication module foundation to described transaction terminal; Described Near Field Communication module is set up the short-range communication passage and is sent described living things feature recognition key to described transaction terminal.
3. portable terminal according to claim 1 is characterized in that, described physical characteristics collecting module also is used for the acquisition time of record biological information; Correspondingly, described sending module also is used for transmitting described acquisition time to described transaction terminal.
4. portable terminal according to claim 1 is characterized in that, described user biological characteristic information comprises any one or the multiple combination in people's face, iris, fingerprint and the person's handwriting.
5. the transaction terminal based on the NFC mobile payment comprises NFC module and telecommunication module, it is characterized in that, this transaction terminal also comprises physical characteristics collecting module and processing module, wherein:
Described NFC module is used for reading the user account account;
Described physical characteristics collecting module is used for gathering user's biological information;
Described processing module is used for the biological information of described collection is processed, and obtains the living things feature recognition key corresponding with described biological information;
Described telecommunication module is used for Transaction Information, user account account and user biological feature identification key are submitted to the validity that the paying server end is confirmed this transaction.
6. transaction terminal according to claim 5 is characterized in that, described physical characteristics collecting module also is used for recording the acquisition time of described biological information; Correspondingly, described telecommunication module also is used for described acquisition time is submitted to paying server.
7. the system based on the NFC mobile payment comprises portable terminal, transaction terminal and paying server end, it is characterized in that:
Described portable terminal is such as the described portable terminal of any one claim among the claim 1-4, and perhaps this transaction terminal is such as claim 5 or 6 described transaction terminals;
Described paying server end is used for identifying the validity that key is judged this transaction according to the user biological characteristic information that prestores or user biological feature.
8. system according to claim 7 is characterized in that, described paying server end comprises memory module, telecommunication module and judge module, wherein:
Described memory module, the account account of typing and corresponding user biological characteristic information thereof when being used for storing user's registered;
Described telecommunication module is used for obtaining Transaction Information, account account information and the user biological feature identification key that described transaction terminal sends; Also be used for the validity judged result of this transaction is fed back to described transaction terminal.
Described judge module is for the validity of judging this transaction according to the consistance of the user biological characteristic information that prestores or user biological feature identification key and described living things feature recognition key.
9. system according to claim 8 is characterized in that,
Described telecommunication module also is used for obtaining the acquisition time of described biological information; Correspondingly,
Described judge module also is used for the validity of determining this transaction of whether effectively further judging according to described acquisition time.
10. system according to claim 8 is characterized in that,
Described memory module also is used for the storage user password information; Correspondingly,
The password that described telecommunication module is also inputted for the user who obtains the transaction terminal transmission;
Described judge module also is used for the validity whether further encrypted message of judging that the user inputs correctly determines this transaction.
11. the method based on the NFC mobile payment is characterized in that, the method may further comprise the steps:
A, portable terminal or transaction terminal gather user's biological information, generate the user biological feature identification key corresponding with user's biological information;
B, described transaction terminal are submitted to the validity that the paying server end is confirmed this transaction with customer transaction information, account account and user biological feature identification key.
12. method according to claim 11 is characterized in that,
When adopting described portable terminal to generate user biological feature identification key, also comprise between described steps A and the B: described portable terminal transmits user account and user biological feature identification key to described transaction terminal;
When adopting transaction terminal to generate user biological feature identification key, also comprise before the described steps A: portable terminal transmits the user account account information by the NFC mode to described transaction terminal.
13. method according to claim 12, described portable terminal specifically comprises to described transaction terminal transmission user account and user biological feature identification key:
Described portable terminal transmits user's account account to transaction terminal by the NFC mode, and transmit described living things feature recognition key by the point-to-point function of NFC mode;
Perhaps;
Described portable terminal transmits user's account account to described transaction terminal by the NFC mode, and the point-to-point function by the NFC mode transmits and sets up the needed pair-wise key of distance communication link and automatically set up the Near Field Communication passage, by the short-range communication mode with described living things feature recognition key.
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