CN105761063A - Logistics safety payment method for realizing payment in cash on delivery - Google Patents

Abstract

The present invention relates to a logistics safety payment method for realizing payment in cash on delivery. Left and right hand pressing database aiming at each button is constructed through the mobile terminal of each recipient when lawful owners are in normal state so as to verify the identity of a payment operator; after an express delivery man's hand-held POS terminal is connected with a recipient's mobile intelligent terminal through an optimum NFC relay, the hand-held POS terminal and the mobile intelligent terminal respectively send each current position and noise and air humidity of the current position and obtain the air humidity to an authentication mechanism; when the authentication mechanism determines the payment both sides are located at the same safe position, transaction secret keys are sent to both sides with payment in cash on delivery; the mobile intelligent terminal sends correct payment passwords inputted by the lawful owners through buttons to a bank system, and the bank system transfers cost to a logistics company account; and after the payment transaction is finished, the logistics company transfers corresponding cost to dealers through the bank system, so that the efficiency and the payment safety of the payment process of payment in cash on delivery are guaranteed.

Description

Realize the logistics security method of payment of cod transaction

Technical field

The present invention relates to logistics field, particularly relate to a kind of logistics security method of payment realizing cod transaction.

Background technology

In recent years, along with the fast development of ecommerce, increasing consumer likes being done shopping by the network platform, selects oneself loved commodity with this.After commodity selection completes, the network platform can provide on-line payment or the mode cashed on delivery that selected commodity are paid.Wherein, consumer is in order to avoid because of the selected commodity situation inconsistent with description in kind, consumer can tend to select the mode cashed on delivery to pay purchase.The mode of cashing on delivery refers to, after consumer submits basic sequence information to, by logistics company after businessman's picking, commodity are dispatched into place of consumer, after consumer satisfaction, then utilize the mode payment for merchandise expense of cash or POS and the despatch of logistics company to use, these two expenses of consumer payment are temporarily preserved by logistics company, and specify, over a period to come by the Cost transfer of commodity to businessman, thus completing the whole process cashed on delivery. on schedule.

Cashing on delivery of businessman's charge is substituted at existing logistics company, yet suffer from some problems: first, safety of payment problem can be there is when consumer utilizes POS to swipe the card, such as, in the payment process cashed on delivery, Transaction Information is easily cracked by malicious third parties, and consumer or logistics company are brought economic loss；Secondly, if consumer's custom utilizes its mobile intelligent terminal on-site payment, once mobile intelligent terminal is lost or used by other people, leave great potential safety hazard also easily to the property safety of consumer；Finally, send part person in same place when logistics company, when each purchased commodity are cashed on delivery by multiple addressees, the existing process paid of having swiped the card one by one needs consumption to send part person and addressee's plenty of time, reduces logistics company and commodity are sent with charge free efficiency.

Summary of the invention

The technical problem to be solved is to provide one to send with charge free a little same for above-mentioned prior art, the process of cashing on delivery for multiple different addressees can be completed easily, ensure that again cod transaction securely achieves the logistics security method of payment of cod transaction.

This invention address that the technical scheme that above-mentioned technical problem adopts is: realize the logistics security method of payment of cod transaction, for the payment transaction system that merchant terminal, shopping online platform, multiple consumer end, logistics company management platform, banking system and certification authority are constituted, it is characterized in that, in turn include the following steps:

Step 1, businessman passes through merchant terminal shopping on the web platform publishing commodity, after consumer utilizes each consumer end's shopping on the web platform selecting end article, the contact details of input addressee, and select to cash on delivery, generated the trading order form for purchased commodity by shopping online platform, and preserve this trading order form；Wherein, trading order form includes Business Contact Information, addressee information and mode of cashing on delivery belonging to order generation time, purchased trade name and price, purchased commodity；

Step 2, shopping online platform sends picking notice and trading order form to logistics company management platform, after logistics company management platform preserves trading order form, notice logistics company picking person locates picking according to trading order form information in businessman, and by the identity information of logistics company store transaction order picking person；

Step 3, logistics company offers collecting account in banking system, and utilize logistics company management platform that its each handheld POS terminal with NFC function is all put on record, set up each handheld POS terminal respectively with the communication connection of banking system, certification authority, utilize handheld POS terminal to send certification respectively and ask to banking system and certification authority, banking system generates the financial certification authority certificate of its PKI with handheld POS terminal communication and handheld POS terminal, and sends financial certification authority certificate and PKI to handheld POS terminal；Certification authority generates the credit accreditation certificate of its PKI with handheld POS terminal communication and handheld POS terminal, concurrently delivers letters and uses certification certificate and PKI to handheld POS terminal；Wherein:

Described handheld POS terminal is designated as POS, and banking system is designated as BANK, and certification authority is designated as TSM, and the financial certification authority certificate of handheld POS terminal is designated as Cert (BANK_POS), the PKI of banking system and handheld POS terminal is designated as k (POS, BANK)；The credit accreditation certificate of handheld POS terminal is designated as Cert (TSM_POS), certification authority and handheld POS terminal public key are designated as k (POS, TSM)；

Step 4, logistics company management platform is according to each addressee information in trading order form, arrangement logistics vehicles is delivered, and is notified that logistics company is sent part person to carry handheld POS terminal, NFC relaying convergent terminal and L (L >=3) the individual NFC link terminal put on record and sent commodity with charge free according to each addressee information in trading order form by logistics company management platform；

Step 5, each addressee utilizes it to have the mobile intelligent terminal of NFC function and sends certification respectively and ask to banking system and certification authority, banking system generates the financial certification authority certificate of its PKI communicated with mobile intelligent terminal and mobile intelligent terminal, and sends financial certification authority certificate and PKI to mobile intelligent terminal；Certification authority generates the credit accreditation certificate of its PKI communicated with mobile intelligent terminal and mobile intelligent terminal, concurrently delivers letters and uses certification certificate and PKI to mobile intelligent terminal；Wherein, mobile intelligent terminal is designated as Mobile, and the financial certification authority certificate of mobile intelligent terminal is designated as Cert (BANK_Mobile), the PKI of banking system and mobile intelligent terminal is designated as k (Mobile, BANK)；The credit accreditation certificate of mobile intelligent terminal is labeled as Cert (TSM_Mobile), the PKI of certification authority and mobile intelligent terminal is designated as k (Mobile, TSM)；

Step 6, mobile intelligent terminal in preset time period under its lawful owner's normal condition of Real-time Collection on keyboard the pressing pressure value and press pressure direction of each button, build and utilize the left hand that left hand and the right hand are respectively directed to each button to press pressure data storehouse under lawful owner's normal condition of mobile intelligent terminal and the right hand presses pressure data storehouse, and calculate each button left hand respectively and press pressure data storehouse and the right hand presses the variance in pressure data storehouse；Wherein:

On described mobile intelligent terminal, i-th key markings is Button_i, for button Button_iThe left hand of constructed mobile intelligent terminal lawful owner is pressed pressure data storehouse and is labeled asThe right hand of mobile intelligent terminal lawful owner is pressed pressure data storehouse and is labeled asN ∈ N, N be left hand press that pressure data storehouse and pressing stores in pressure data storehouse respectively press pressure data number；Represent for button Button_iThe n-th of the mobile intelligent terminal lawful owner's left hand gathered presses pressure data,Represent for button Button_iThe n-th of the mobile intelligent terminal lawful owner's right hand gathered presses pressure data；Described button Button_iThe variance that suffered mobile intelligent terminal lawful owner's left hand presses pressure is labeled asMobile intelligent terminal lawful owner's right hand is pressed the variance of pressure and is labeled asVarianceWithComputing formula respectively as follows:

Step 7, logistics company sends part person to sort out according to the address in each trading order form information, and when the trading order form of same address reach to preset when sending number with charge free, send part person then to send to pass commodity and locate to multiple addressees of same address, part person is sent to open the NFC function of each NFC link terminal and handheld POS terminal, and lay each NFC link terminal respectively and be positioned at different positions, wait that each addressee utilizes respective mobile intelligent terminal to pay the bill；

Step 8, after one of them addressee in multiple addressees opens the NFC function of its mobile intelligent terminal, handheld POS terminal obtains noise and the air humidity of current location data and current location, the time of storage current location data, current location noise and air humidity and respectively acquisition current location and air humidity, and send the payment request information including handheld POS terminal self signature to this mobile intelligent terminal with the private key of handheld POS terminal；Wherein:

Described payment request information includes handheld POS terminal current location data P (x_POS,y_POS,z_POS), payment request ReqM, obtain current location data timeHandheld POS terminal current location noise SNR_POS, handheld POS terminal current location air humidity RH_POS, obtain time of current location air humidityThe financial certification authority certificate Cert (BANK of handheld POS terminal_POS), the credit accreditation certificate Cert (TSM of handheld POS terminal_POS), handheld POS terminal self signature Sig_POSAnd the private key of handheld POS terminal is designated as sk (POS)；Wherein, this payment request information is designated as Message_P-M, payment request information Message_P-MLabelling is as follows:

Wherein, P_POS=P (x_POS,y_POS,z_POS)；

Step 9, mobile intelligent terminal receives, obtains the payment request information that handheld POS terminal sends, obtain current location and the current location noise of mobile intelligent terminal, obtain mobile intelligent terminal current location time, mobile intelligent terminal current location air humidity and obtain the mobile intelligent terminal current location air humidity time, and send the certification solicited message including handheld POS terminal payment request information to certification authority with the PKI between itself and certification authority；Wherein:

Current location data M (the x that the certification solicited message that described mobile intelligent terminal sends includes the payment request information of handheld POS terminal, mobile intelligent terminal obtains_Mobile,y_Mobile,z_Mobile), mobile intelligent terminal current location noise SNR_Mobile, obtain the mobile intelligent terminal current location data timeMobile intelligent terminal current location air humidity RH_Mobile, obtain current location air humidity RH_MobileTimeCertification request ReqT and mobile intelligent terminal and handheld POS terminal session ask ReqSession；This certification solicited message of mobile intelligent terminal is labeled as Message_M-T, certification solicited message Message_M-TAs follows by formula labelling:

Wherein, M_Mobile=M (x_Mobile,y_Mobile,z_Mobile)；

Step 10, the current self-position data each obtained are sent to NFC and relay convergent terminal by handheld POS terminal and mobile intelligent terminal respectively, convergent terminal is relayed using the midpoint of handheld POS terminal and mobile intelligent terminal line as the centre of sphere by NFC, using the mobile intelligent terminal half from handheld POS terminal distance as the radius of a ball, set up the spheroid equation S in space；Wherein, the described centre of sphere is designated as O (x_o,y_o,z_o), the radius of a ball is designated as R, and spheroid equation S computing formula is as follows:

S:(x-x_o)²+(y-y_o)²+(z-z_o)²=R²；

Step 11, the self-position data each obtained and signal to noise ratio are sent to NFC and relay convergent terminal by each NFC link terminal respectively, NFC relay convergent terminal and judge, choose optimum N FC link terminal；Wherein, NFC relays convergent terminal and chooses the process of optimum N FC link terminal and comprise the steps 11-1 to step 11-3:

Step 11-1, the position data (x according to the l NFC link terminal_Relay,l,y_Relay,l,z_Relay,l), NFC relays convergent terminal and judges (x_Relay,l-x_o)²+(y_Relay,l-y_o)²+(z_Relay,l-z_o)²≤R²Time, then choose this NFC link terminal as the alternative relaying participating in near-field communication；Otherwise, then reject this NFC link terminal, handheld POS terminal and mobile intelligent terminal are made directly near-field communication；

Step 11-2, NFC relay the convergent terminal signal to noise ratio according to each alternative relaying received, and calculate the relaying sincerity coefficient obtaining each alternative relaying；Wherein, the relaying sincerity coefficient of l alternative relaying is designated as κ_Relay,l, κ_Relay,lComputing formula is as follows:

Step 11-3, NFC relay the convergent terminal distance d according to each alternative repeater span centre of sphere_Relay,lAnd the relaying sincerity coefficient of each alternative relaying obtained, obtain the participation coefficient ξ of each alternative relaying_Relay,l, and to participate in alternative relaying corresponding to coefficient maximum as optimum N FC link terminal；Wherein, coefficient is participated inL=1,2 ..., L'；

Step 12, when the spacing of mobile intelligent terminal and handheld POS terminal is more than near-field communication distance, handheld POS terminal sends the payment request information including handheld POS terminal self signature and current location noise and air humidity value to optimum N FC link terminal, after optimum N FC link terminal obtains current location noise and the air humidity of its present position, by the current location noise of its acquisition and air humidity and handheld POS terminal payment request information to mobile intelligent terminal；Wherein:

Described payment request information includes the current self-position data P (x of handheld POS terminal_POS,y_POS,z_POS), payment request ReqM, handheld POS terminal obtain current self-position data time T_P, current location noise SNR_POS, current location air humidity value RH_POS, handheld POS terminal financial notarial deed Cert (BANK_POS), the credit notarial deed Cert (TSM of handheld POS terminal_POS), handheld POS terminal self signature Sig_POSAnd the private key sk (POS) of handheld POS terminal；Wherein, this payment request information is labeled as Message_P-M, payment request information Message_P-MAs follows by formula labelling:

Step 13, mobile intelligent terminal receives the payment request information of handheld POS terminal and the noise of optimum N FC link terminal present position and air humidity that forward through optimum N FC link terminal, and obtain the current location of mobile intelligent terminal, current location noise and air humidity value, mobile intelligent terminal send the certification solicited message and optimum N FC link terminal present position air humidity that include handheld POS terminal payment request information to certification authority；Wherein:

The certification solicited message that described mobile intelligent terminal sends include the payment request information of handheld POS terminal, mobile intelligent terminal current location data, obtain current location time, mobile intelligent terminal current location noise, mobile intelligent terminal current location air humidity value, obtain the current location air humidity value time, certification request and its ask with handheld POS terminal session；Wherein, this certification solicited message of mobile intelligent terminal is labeled as Message_M-T, certification solicited message Message_M-TAs follows by formula labelling:

Step 14, certification authority's reception, the certification solicited message extracting mobile intelligent terminal transmission and optimum N FC link terminal present position noise and air humidity, and according to the current location data in the mobile intelligent terminal certification solicited message extracted, current location noise and air humidity situation, mobile intelligent terminal is made feedback；Wherein, this step includes step 14-1 to step 14-3 successively:

Step 14-1, when certification authority judges that the credit notarial deed in the certification solicited message extracted is present in the credit notarial deed data base that certification authority has stored, then show that the POS terminal that this credit notarial deed is corresponding is security terminal, certification authority generates the transaction key between mobile intelligent terminal and this POS terminal, and performs step 14-2；Otherwise, certification authority sends refusal Transaction Information to mobile intelligent terminal；

Step 14-2, certification authority is according to handheld POS terminal current location data and mobile intelligent terminal current location data in the certification request extracted, judge that the space length between handheld POS terminal and mobile intelligent terminal is less than default Secure Transaction word space threshold, and the noise difference of position corresponding to both is when being positioned at default scope, then perform step 14-3；Otherwise, certification authority sends refusal Transaction Information to mobile intelligent terminal；

Step 14-3, certification authority is according to the handheld POS terminal current location air humidity value extracted, mobile intelligent terminal current location air humidity value and the time obtaining air humidity value respectively, judge handheld POS terminal and mobile intelligent terminal, handheld POS terminal and optimum N FC link terminal the difference of air humidity corresponding respectively be respectively positioned in default difference range and obtain the interval of air humidity data when being respectively positioned within the scope of preset security interval, then certification authority sends and confirms that Transaction Information is to mobile intelligent terminal；Otherwise, certification authority sends refusal Transaction Information to mobile intelligent terminal；Wherein, the confirmation Transaction Information that described certification authority sends is labeled as Message_T-M-Confirm, the refusal Transaction Information that certification authority sends is labeled as Message_T-M-Reject；Wherein:

Message_T-M-Reject={ TSM, Mobile, POS, P_POS,M_Mobile,RejectP,k(Mobile,TSM)}；

Step 15, mobile intelligent terminal receives the confirmation Transaction Information that certification authority sends, and through optimum N FC link terminal, the transaction interactive information including mobile intelligent terminal signature is sent to handheld POS terminal；Wherein:

Described transaction interactive information includes the signature Sig of mobile intelligent terminal_Mobile, the current location data of mobile intelligent terminal, transaction key between mobile intelligent terminal and handheld POS terminal, the financial notarial deed of mobile intelligent terminal, the credit notarial deed of mobile intelligent terminal and hold the credit notarial deed of POS terminal；The transaction interactive information that described mobile intelligent terminal sends is labeled as Message_M-P, wherein:

Step 16, handheld POS terminal receives, extracts the transaction interactive information of the mobile intelligent terminal forwarded through optimum N FC link terminal, and judge according to the information extracted in transaction interactive information: when having been stored in the credit notarial deed data base that handheld POS terminal has stored when the credit notarial deed extracted, then perform step 17, handheld POS terminal and mobile intelligent terminal carry out payment transaction through optimum N FC link terminal；Otherwise, handheld POS terminal refusal carries out payment transaction with mobile intelligent terminal；

Step 17, handheld POS terminal generates random number, and with the transaction key between itself and mobile intelligent terminal, the payment information of payment data and handheld POS terminal self-position data needed for including the random number of generation, mobile intelligent terminal current location data, mobile intelligent terminal that sends is sent to mobile intelligent terminal through optimum N FC link terminal；Wherein, described payment information flag is Message_P-W-Payment, Message_P-W-PaymentAs follows by formula labelling:

Message_P-W-Payment={ POS, Mobile, m, M, P_POS,Payment,K}；

Wherein, m represents the random number that handheld POS terminal generates, and Payment represents payment needed for this mobile intelligent terminal, and K is the transaction key between handheld POS terminal and mobile intelligent terminal；

Step 18, mobile intelligent terminal receives the payment information of the handheld POS terminal forwarded through optimum N FC link terminal, and generate random number, mobile intelligent terminal the payment transaction records information including received payment information and newly-generated random number is sent to visa mechanism and stores；Described payment transaction records information flag is S_W-T-Payment, wherein: S_W-T-Payment={ Wallet, TSM, POS, r, k (Wallet, TSM) }, r represents the random number that mobile intelligent terminal generates；

Step 19, mobile intelligent terminal receives the outside payment cipher by each key-press input, and press pressure value and direction suffered by Real-time Collection now each button, then mobile intelligent terminal press suffered by each button pressure direction judge to press press each button as after left hand or the right hand, and press in pressure data storehouse by what press that pressure adds correspondence to suffered by each button of Real-time Collection, recalculate now each button correspondence and press the variance in pressure data storehouse, and the difference pressed corresponding in pressure data storehouse variance and step 6 between the variance of pressure data storehouse is pressed according to each button again gained, make payment judge whether performing delivery operation:

When each button gained press the difference between the variance of pressure data storehouse be respectively less than or equal to predetermined threshold value time, represent that this payment cipher is inputted by mobile intelligent terminal lawful owner, then execution step 20；Otherwise, representing that this payment cipher is not mobile intelligent terminal lawful owner input, mobile intelligent terminal refusal performs delivery operation；

Step 20, mobile intelligent terminal sends the pay warrant of the payment cipher including its finance notarial deed and reception to banking system, by banking system, the fund of this mobile intelligent terminal account is transferred to logistics company in the account of banking system, and turns money success notification to handheld POS terminal, logistics company account management platform and mobile intelligent terminal turning to send respectively after money completes；Otherwise, mobile intelligent terminal, in preset termination time bracket, rejects any payment request；Handheld POS terminal receive that banking system sends turn money success notification after, logistics company sends part person that commodity are given addressee, completes logistics company sending with charge free and collecting money commodity corresponding to this addressee；

Step 21, the mobile intelligent terminal correspondence respectively remaining each addressee performs the step 8 process to step 20, to complete logistics company to the sending with charge free and collecting money of corresponding goods in each trading order form, then logistics company management platform sends expense with charge free according to what it was preset with shopping online platform, after at deduction, it sends expense with charge free, logistics company management platform is according to the end article price in each sequence information, send pay warrant to banking system, the account of businessman corresponding to the corresponding fund in logistics company management platform is transferred in each sequence information by banking system respectively, complete the secure payment process cashed on delivery.

Compared with prior art, it is an advantage of the current invention that:

First, logistics company picking person locates picking according to each trading order form information in businessman, each handheld POS terminal of logistics company locates to obtain respectively financial notarial deed and the credit notarial deed of correspondence in banking system and certification authority, the mobile intelligent terminal of the different addressees that each trading order form is corresponding obtains its financial certification authority certificate and credit accreditation certificate, utilize the uniqueness of human body behavior characteristics, mobile intelligent terminal builds to utilize under its lawful owner's normal condition presses a left side for each button on pressure mobile intelligent terminal, the right hand presses pressure data storehouse, to judge the legal identity of its delivery operation person, when ensureing to cash on delivery, the property safety of addressee；

Secondly, according to the feature that same position place air humidity is identical, certification authority judges that mobile intelligent terminal and handheld POS terminal are positioned at Secure Transaction space length, and the difference of the difference of current location noise, air humidity and obtain the interval of respective air humidity when being respectively positioned within safe scope, realize the accurate judgement whether being in same position of the mobile intelligent terminal utilizing position, noise and air humidity to current handheld POS terminal and addressee, to prevent the camouflage of malicious third parties, it is ensured that information security during cod transaction；

Finally, when logistics company sends part person to send commodity in same place with charge free to different addressees, the handheld POS terminal sending part person achieves the connection with each mobile intelligent terminal through optimum N FC link terminal, avoid carrying out payment one by one because of each addressee with this to waste time, thus improve the payment efficiency cashed on delivery.

Accompanying drawing explanation

Fig. 1 is the structural representation of payment transaction system in the embodiment of the present invention.

Detailed description of the invention

Below in conjunction with accompanying drawing embodiment, the present invention is described in further detail.

The present embodiment realizes the logistics security method of payment of cod transaction, for the payment transaction system that merchant terminal, shopping online platform, multiple consumer end, logistics company management platform, banking system and certification authority are constituted, this payment system is with reference to shown in Fig. 1, shopping online platform connects merchant terminal, each consumer end and logistics company management platform respectively, merchant terminal connects banking system, banking system connects merchant terminal, each consumer end and logistics company management platform, merchant terminal and each consumer end respectively and is all connected with certification authority.The logistics security method of payment realizing cod transaction that the present embodiment provides, mainly for the single part person of group sending with charge free multiple different addressee's product.The logistics security method of payment realizing cod transaction in turn includes the following steps:

Step 1, businessman passes through merchant terminal shopping on the web platform publishing commodity, after consumer utilizes each consumer end's shopping on the web platform selecting end article, the contact details of input addressee, and select to cash on delivery, generated the trading order form for purchased commodity by shopping online platform, and preserve this trading order form；Wherein, trading order form includes Business Contact Information, addressee information and mode of cashing on delivery belonging to order generation time, purchased trade name and price, purchased commodity；

Step 2, shopping online platform sends picking notice and trading order form to logistics company management platform, after logistics company management platform preserves trading order form, notice logistics company picking person locates picking according to trading order form information in businessman, and by the identity information of logistics company store transaction order picking person；

Step 3, logistics company offers collecting account in banking system, and utilize logistics company management platform that its each handheld POS terminal with NFC function is all put on record, set up each handheld POS terminal respectively with the communication connection of banking system, certification authority, utilize handheld POS terminal to send certification respectively and ask to banking system and certification authority, banking system generates the financial certification authority certificate of its PKI with handheld POS terminal communication and handheld POS terminal, and sends financial certification authority certificate and PKI to handheld POS terminal；Certification authority generates the credit accreditation certificate of its PKI with handheld POS terminal communication and handheld POS terminal, concurrently delivers letters and uses certification certificate and PKI to handheld POS terminal；

Financial notarial deed herein in order to show the confirmation to payment transaction information of the handheld POS terminal, make handheld POS terminal to through oneself it has been acknowledged that payment transaction not there is denial, thus guarantee payment transaction be normally carried out；Credit notarial deed herein is as the trusted voucher of handheld POS terminal, in order to the legal identity of approved for payment both parties, to ensure the safety of transaction；Wherein:

Handheld POS terminal is designated as POS, and banking system is designated as BANK, and certification authority is designated as TSM, and the financial certification authority certificate of handheld POS terminal is designated as Cert (BANK_POS), the PKI of banking system and handheld POS terminal is designated as k (POS, BANK)；The credit accreditation certificate of handheld POS terminal is designated as Cert (TSM_POS), certification authority and handheld POS terminal public key are designated as k (POS, TSM)；

Step 4, logistics company management platform is according to each addressee information in trading order form, arrangement logistics vehicles is delivered, and is notified that logistics company is sent part person to carry handheld POS terminal, NFC relaying convergent terminal and L (L >=3) the individual NFC link terminal put on record and sent commodity with charge free according to each addressee information in trading order form by logistics company management platform；

Step 5, each addressee utilizes it to have the mobile intelligent terminal of NFC function and sends certification respectively and ask to banking system and certification authority, banking system generates the financial certification authority certificate of its PKI communicated with mobile intelligent terminal and mobile intelligent terminal, and sends financial certification authority certificate and PKI to mobile intelligent terminal；Certification authority generates the credit accreditation certificate of its PKI communicated with mobile intelligent terminal and mobile intelligent terminal, concurrently delivers letters and uses certification certificate and PKI to mobile intelligent terminal；The effect of financial certification authority certificate corresponding to mobile intelligent terminal and credit accreditation certificate corresponding referring to explanation to each corresponding certification certificate of the handheld POS terminal of logistics company in step 3, repeat no more herein；Wherein, mobile intelligent terminal is designated as Mobile, and the financial certification authority certificate of mobile intelligent terminal is designated as Cert (BANK_Mobile), the PKI of banking system and mobile intelligent terminal is designated as k (Mobile, BANK)；The credit accreditation certificate of mobile intelligent terminal is labeled as Cert (TSM_Mobile), the PKI of certification authority and mobile intelligent terminal is designated as k (Mobile, TSM)；

Step 6, mobile intelligent terminal in preset time period under its lawful owner's normal condition of Real-time Collection on keyboard the pressing pressure value and press pressure direction of each button, build and utilize the left hand that left hand and the right hand are respectively directed to each button to press pressure data storehouse under lawful owner's normal condition of mobile intelligent terminal and the right hand presses pressure data storehouse, and calculate each button left hand respectively and press pressure data storehouse and the right hand presses the variance in pressure data storehouse；Wherein:

On mobile intelligent terminal, i-th key markings is Button_i, for button Button_iThe left hand of constructed mobile intelligent terminal lawful owner is pressed pressure data storehouse and is labeled asThe right hand of mobile intelligent terminal lawful owner is pressed pressure data storehouse and is labeled asN ∈ N, N be left hand press that pressure data storehouse and pressing stores in pressure data storehouse respectively press pressure data number；Represent for button Button_iThe n-th of the mobile intelligent terminal lawful owner's left hand gathered presses pressure data,Represent for button Button_iThe n-th of the mobile intelligent terminal lawful owner's right hand gathered presses pressure data；Described button Button_iThe variance that suffered mobile intelligent terminal lawful owner's left hand presses pressure is labeled asMobile intelligent terminal lawful owner's right hand is pressed the variance of pressure and is labeled asVarianceWithComputing formula respectively as follows:

nullWhen utilizing left hand or the right hand to pass through key-press input password on keyboard due to the lawful owner of mobile intelligent terminal every time，Its lawful owner on keyboard each button apply press pressure size and direction is different，That presses pressure value and correspondence suffered by therefore can passing through to gather in a period of time on each button presses pressure direction situation，Left hand to build mobile intelligent terminal lawful owner presses pressure data storehouse and the right hand presses pressure data storehouse，Thus utilizing the left hand of structure to press pressure data storehouse or the right hand presses pressure data storehouse as the authentication information characterizing mobile intelligent terminal lawful owner，Namely the uniqueness of human body behavior characteristics is utilized，Mobile intelligent terminal is pressed press the left hand of each button to press pressure data storehouse and the right hand presses pressure data storehouse by being built its lawful owner，To ensure the mobile intelligent terminal authentication to delivery operation personnel，To guarantee the safety of payment transaction；Wherein, on keyboard, the left hand of certain button is pressed and is contained pressing pressure value and pressing pressure direction when mobile intelligent terminal bag lawful owner utilizes left hand to press this button of pressure in pressure data storehouse；Similarly, on mobile intelligent terminal keyboard, the right hand of certain button is pressed the right hand containing mobile intelligent terminal lawful owner in pressure data storehouse and is pressed pressing pressure value and pressing pressure direction when pressing this button；Wherein, the normal condition residing for its lawful owner of mobile intelligent terminal is its state being under security context: such as, both can be the state under indoor environment at home, it is also possible to be the working environment under working state.

Step 7, logistics company sends part person to sort out according to the address in each trading order form information, and when the trading order form of same address reach to preset when sending number with charge free, send part person then to send to pass commodity and locate to multiple addressees of same address, part person is sent to open the NFC function of each NFC link terminal and handheld POS terminal, and lay each NFC link terminal respectively and be positioned at different positions, wait that each addressee utilizes respective mobile intelligent terminal to pay the bill；

Step 8, after one of them addressee in multiple addressees opens the NFC function of its mobile intelligent terminal, handheld POS terminal obtains noise and the air humidity of current location data and current location, the time of storage current location data, current location noise and air humidity and respectively acquisition current location and air humidity, and send the payment request information including handheld POS terminal self signature to this mobile intelligent terminal with the private key of handheld POS terminal；

Wherein, for a position, accurately determine its concrete orientation other than with coordinate and utilize outside the ambient noise conditions coarse localization around this position, it is also possible to being characterized by the air humidity situation corresponding to this position further；Namely this feature that same parameters under same position environment is identical is utilized, it is achieved the determination to same position.Wherein, in this step 8, payment request information includes handheld POS terminal current location data P (x_POS,y_POS,z_POS), payment request ReqM, obtain current location data timeHandheld POS terminal current location noise SNR_POS, handheld POS terminal current location air humidity RH_POS, obtain time of current location air humidityThe financial certification authority certificate Cert (BANK of handheld POS terminal_POS), the credit accreditation certificate Cert (TSM of handheld POS terminal_POS), handheld POS terminal self signature Sig_POSAnd the private key of handheld POS terminal is designated as sk (POS)；Wherein, this payment request information is designated as Message_P-M, payment request information Message_P-MLabelling is as follows:

Wherein, P_POS=P (x_POS,y_POS,z_POS)；

Step 9, mobile intelligent terminal receives, obtains the payment request information that handheld POS terminal sends, obtain current location and the current location noise of mobile intelligent terminal, obtain mobile intelligent terminal current location time, mobile intelligent terminal current location air humidity and obtain the mobile intelligent terminal current location air humidity time, and send the certification solicited message including handheld POS terminal payment request information to certification authority with the PKI between itself and certification authority；Wherein:

Current location data M (the x that the certification solicited message that mobile intelligent terminal sends includes the payment request information of handheld POS terminal, mobile intelligent terminal obtains_Mobile,y_Mobile,z_Mobile), mobile intelligent terminal current location noise SNR_Mobile, obtain the mobile intelligent terminal current location data timeMobile intelligent terminal current location air humidity RH_Mobile, obtain current location air humidity RH_MobileTimeCertification request ReqT and mobile intelligent terminal and handheld POS terminal session ask ReqSession；This certification solicited message of mobile intelligent terminal is labeled as Message_M-T, certification solicited message Message_M-TAs follows by formula labelling:

Wherein, M_Mobile=M (x_Mobile,y_Mobile,z_Mobile)；

Step 10, the current self-position data each obtained are sent to NFC and relay convergent terminal by handheld POS terminal and mobile intelligent terminal respectively, convergent terminal is relayed using the midpoint of handheld POS terminal and mobile intelligent terminal line as the centre of sphere by NFC, using the mobile intelligent terminal half from handheld POS terminal distance as the radius of a ball, set up the spheroid equation S in space；Wherein, by setting up spheroid equation S, build and limit spatial dimension, so that NFC link terminal nearer to distance handheld POS terminal, this mobile intelligent terminal is chosen, to improve the relay transmission efficiency of data interaction between NFC link terminal this mobile intelligent terminal to hand-held POS terminal and addressee, thus improving relay transmission distance and the payment efficiency cashed on delivery；Wherein, the centre of sphere is designated as O (x_o,y_o,z_o), the radius of a ball is designated as R, and spheroid equation S computing formula is as follows:

S:(x-x_o)²+(y-y_o)²+(z-z_o)²=R²；

Step 11, the self-position data each obtained and signal to noise ratio are sent to NFC and relay convergent terminal by each NFC link terminal respectively, NFC relay convergent terminal and judge, choose optimum N FC link terminal；Wherein, NFC relays convergent terminal and chooses the process of optimum N FC link terminal and comprise the steps 11-1 to step 11-3:

Step 11-1, the position data (x according to the l NFC link terminal_Relay,l,y_Relay,l,z_Relay,l), NFC relays convergent terminal and judges (x_Relay,l-x_o)²+(y_Relay,l-y_o)²+(z_Relay,l-z_o)²≤R²Time, it was shown that this NFC link terminal is relatively near from mobile intelligent terminal and handheld POS terminal, is positioned at the spatial dimension that spheroid limits, then choose this NFC link terminal as the alternative relaying participating in near-field communication；Otherwise, it was shown that this NFC link terminal from mobile intelligent terminal and handheld POS terminal farther out, is positioned at outside the spatial dimension that spheroid limits, then rejects this NFC link terminal, handheld POS terminal and mobile intelligent terminal are made directly near-field communication；

Step 11-2, NFC relay the convergent terminal signal to noise ratio according to each alternative relaying received, and calculate the relaying sincerity coefficient obtaining each alternative relaying；Wherein, the relaying sincerity coefficient of l alternative relaying is designated as κ_Relay,l, κ_Relay,lComputing formula is as follows:

Wherein, L' represents the number of acquired alternative relaying；The sincere coefficient of relaying characterizes the relay capabilities of alternative relaying, the relaying sincerity of alternative relaying is more high, illustrate that the relay capabilities of this alternative relaying is more high, correspond to this alternative relaying and have more high relay transmission efficiency between handheld POS terminal and mobile intelligent terminal, the mobile intelligent terminal distance mutual with the be capable of payment transaction information of handheld POS terminal is more remote；

Step 11-3, NFC relay the convergent terminal distance d according to each alternative repeater span centre of sphere_Relay,lAnd the relaying sincerity coefficient of each alternative relaying obtained, obtain the participation coefficient ξ of each alternative relaying_Relay,l, and to participate in alternative relaying corresponding to coefficient maximum as optimum N FC link terminal；Wherein, coefficient is participated in

In the method for the embodiment of the present invention, the sincere coefficient of relaying of alternative relaying and the distance of the alternative repeater span centre of sphere are taken into full account, signal to noise ratio and the transmission speed problem of alternative relaying can be taken into account better, thus according to the numerical value situation participating in coefficient, selecting the NFC link terminal of the best；

Wherein, the participation coefficient of alternative relaying is more high, it was shown that this NFC link terminal has higher junction efficiency；The highest NFC link terminal of coefficient is participated in as optimum N FC relaying by choosing in the NFC link terminal introduced, to utilize this optimum N FC relaying to carry out the transmission of data interaction between POS settlement terminal and mobile intelligent terminal, thus both having ensure that the communication distance of handheld POS terminal and mobile intelligent terminal, can expand in cashing on delivery again, the space range of application of NFC payment system；

Step 12, when the spacing of mobile intelligent terminal and handheld POS terminal is more than near-field communication distance, handheld POS terminal sends the payment request information including handheld POS terminal self signature and current location noise and air humidity value to optimum N FC link terminal, after optimum N FC link terminal obtains current location noise and the air humidity of its present position, by the current location noise of its acquisition and air humidity and handheld POS terminal payment request information to mobile intelligent terminal；

For follow-up, the air humidity of optimum N FC link terminal present position can be judged by certification authority that residing for POS settlement terminal and mobile intelligent terminal, same safe payment transaction environment provides reference further；

Wherein, payment request information includes the current self-position data P (x of handheld POS terminal_POS,y_POS,z_POS), payment request ReqM, handheld POS terminal obtain current self-position data time T_P, current location noise SNR_POS, current location air humidity value RH_POS, handheld POS terminal financial notarial deed Cert (BANK_POS), the credit notarial deed Cert (TSM of handheld POS terminal_POS), handheld POS terminal self signature Sig_POSAnd the private key sk (POS) of handheld POS terminal；Wherein, this payment request information is labeled as Message_P-M, payment request information Message_P-MAs follows by formula labelling:

Step 13, mobile intelligent terminal receives the payment request information of handheld POS terminal and the noise of optimum N FC link terminal present position and air humidity that forward through optimum N FC link terminal, and obtain the current location of mobile intelligent terminal, current location noise and air humidity value, mobile intelligent terminal send the certification solicited message and optimum N FC link terminal present position air humidity that include handheld POS terminal payment request information to certification authority；Wherein:

The certification solicited message that mobile intelligent terminal sends includes the payment request information Message of handheld POS terminal_P-M, mobile intelligent terminal current location data M_Mobile, obtain the current location timeMobile intelligent terminal current location noise SNR_Mobile, mobile intelligent terminal current location air humidity value RH_Mobile, obtain the current location air humidity value timeCertification asks ReqT and itself and handheld POS terminal session to ask ReqSession；Wherein, this certification solicited message of mobile intelligent terminal is labeled as Message_M-T, certification solicited message Message_M-TAs follows by formula labelling:

Step 14, certification authority's reception, the certification solicited message extracting mobile intelligent terminal transmission and optimum N FC link terminal present position noise and air humidity, and according to the current location data in the mobile intelligent terminal certification solicited message extracted, current location noise and air humidity situation, mobile intelligent terminal is made feedback；Wherein, this step includes step 14-1 to step 14-3 successively:

Step 14-1, when certification authority judges that the credit notarial deed in the certification solicited message extracted is present in the credit notarial deed data base that certification authority has stored, then show that the POS terminal that this credit notarial deed is corresponding is security terminal, this trading activity is credible, certification authority generates the transaction key between mobile intelligent terminal and this POS terminal, and performs step 14-2；Otherwise, it was shown that the NFC terminal that this credit notarial deed is corresponding is insincere, certification authority sends refusal Transaction Information to mobile intelligent terminal；

Step 14-2, certification authority is according to handheld POS terminal current location data and mobile intelligent terminal current location data in the certification request extracted, judge that the space length between handheld POS terminal and mobile intelligent terminal is less than default Secure Transaction word space threshold, and the noise difference of position corresponding to both is when being positioned at default scope, show that handheld POS terminal and mobile intelligent terminal are currently within normal transaction distance, then perform step 14-3；Otherwise, certification authority sends refusal Transaction Information to mobile intelligent terminal；

Step 14-3, certification authority is according to the handheld POS terminal current location air humidity value extracted, the time of mobile intelligent terminal current location air humidity value and respectively acquisition air humidity value, judge handheld POS terminal and mobile intelligent terminal, handheld POS terminal and optimum N FC link terminal the difference of air humidity corresponding respectively be respectively positioned in default difference range, and obtain the interval of air humidity data when being respectively positioned within the scope of preset security interval, illustrate that handheld POS terminal and mobile intelligent terminal are currently at same position, now trading environment safety, then certification authority sends and confirms that Transaction Information is to mobile intelligent terminal；Otherwise, illustrate that handheld POS terminal and mobile intelligent terminal are not presently within normal transaction distance, namely both initiate in position relatively far apart, transaction initiation behavior corresponding to this space length has potential threat, initiating after being probably malicious third parties camouflage, certification authority sends refusal Transaction Information to mobile intelligent terminal；

Wherein, the confirmation Transaction Information that certification authority sends is designated as Message_T-M-Confirm, the refusal Transaction Information that certification authority sends is labeled as Message_T-M-Reject；Wherein:

Message_T-M-Reject={ TSM, Mobile, POS, P_POS,M_Mobile,RejectP,k(Mobile,TSM)}；

When the difference of the current location air humidity obtained corresponding to handheld POS terminal and mobile intelligent terminal is in default difference range, show that handheld POS terminal and mobile intelligent terminal are positioned at identical air humidity environment, and determine whether that handheld POS terminal, mobile intelligent terminal obtain the time of current location air humidity also in default interval, then illustrate that handheld POS terminal and mobile intelligent terminal have been in identical air humidity environment, such that it is able to further determine that the safety of both trading activities；Preset security interval, in order to prevent malicious third parties when getting payment transaction and carrying out, pretends by expending time in, to spy upon either one information of payment transaction；Preset security interval is more short, then supply the time that malicious third parties carries out pretending more of short duration, and corresponding payment transaction is also more safe；The setting of safe time interval, it is possible to adjust according to actual needs；Such as:

nullAssume that the current location air humidity that handheld POS terminal obtains is 50%RH，It is t that handheld POS terminal obtains the time of this air humidity，The current location air humidity that mobile intelligent terminal obtains is 55%RH，It is t+ △ t that mobile intelligent terminal obtains the time of this air humidity，The air humidity difference of the Secure Transaction preset is 0%RH～10%RH，The safe time interval preset is 0s～1s，Then know that the difference 5%RH of the current location air humidity of handheld POS terminal and mobile intelligent terminal is positioned at the air humidity difference range of default Secure Transaction: (1) is when △ t is < during 1s，Show in of short duration interval，Time enough is not had to pretend for malicious third parties，Now handheld POS terminal and mobile intelligent terminal are positioned at Secure Transaction environment that is identical and that do not have potential threat；(2) as △ t > 1s, show that mobile intelligent terminal is more of a specified duration with the current location air humidity time difference that mobile intelligent terminal obtains, then there is the potential threat that air humidity is pretended by malicious third parties in this trading activity, and now corresponding trading activity is dangerous；

Step 15, mobile intelligent terminal receives the confirmation Transaction Information that certification authority sends, and through optimum N FC link terminal, the transaction interactive information including mobile intelligent terminal signature is sent to handheld POS terminal；Wherein:

Transaction interactive information includes the signature Sig of mobile intelligent terminal_Mobile, the current location data of mobile intelligent terminal, transaction key between mobile intelligent terminal and handheld POS terminal, the financial notarial deed of mobile intelligent terminal, the credit notarial deed of mobile intelligent terminal and handheld POS terminal credit notarial deed；The transaction interactive information that mobile intelligent terminal sends is labeled as Message_M-P, wherein:

Step 16, handheld POS terminal receives, extract the transaction interactive information of the mobile intelligent terminal forwarded through optimum N FC link terminal, and judge according to the information extracted in transaction interactive information: when having been stored in the credit notarial deed data base that handheld POS terminal has stored when the credit notarial deed extracted, illustrate that the payment transaction request that handheld POS terminal is initiated has been obtained for the confirmation of this mobile intelligent terminal, namely mobile intelligent terminal agrees to this payment transaction behavior that handheld POS terminal is initiated, then perform step 17, payment transaction is carried out through optimum N FC link terminal by handheld POS terminal and mobile intelligent terminal；Otherwise, it was shown that mobile intelligent terminal disagrees this payment transaction behavior, handheld POS terminal refusal carries out payment transaction with mobile intelligent terminal；

Step 17, handheld POS terminal generates random number, and with the transaction key between itself and mobile intelligent terminal, the payment information of payment data and handheld POS terminal self-position data needed for including the random number of generation, mobile intelligent terminal current location data, mobile intelligent terminal that sends is sent to mobile intelligent terminal through optimum N FC link terminal；Wherein, payment information flag is Message_P-W-Payment, Message_P-W-PaymentAs follows by formula labelling:

Message_P-W-Payment={ POS, Mobile, m, M, P_POS,Payment,K}；

Wherein, m represents the random number that handheld POS terminal generates, and Payment represents payment needed for this mobile intelligent terminal, and K is the transaction key between handheld POS terminal and mobile intelligent terminal；Handheld POS terminal utilizes transaction key K to be sent to the random number m of mobile intelligent terminal as anti-data of divulging a secret, malicious third parties can be avoided further to disguise oneself as after mobile wallet, obtain the information of handheld POS terminal, thus ensure that the information security of handheld POS terminal；

Step 18, mobile intelligent terminal receives the payment information of the handheld POS terminal forwarded through optimum N FC link terminal, and generate random number, mobile intelligent terminal the payment transaction records information including received payment information and newly-generated random number is sent to visa mechanism and stores；Wherein, described payment transaction records information flag is S_W-T-Payment, S_W-T-Payment={ Wallet, TSM, POS, r, k (Wallet, TSM) }, r represents the random number that mobile intelligent terminal generates；

Step 19, mobile intelligent terminal receives the outside payment cipher by each key-press input, and press pressure value and direction suffered by Real-time Collection now each button, then mobile intelligent terminal press suffered by each button pressure direction judge to press press each button as after left hand or the right hand, and press in pressure data storehouse by what press that pressure adds correspondence to suffered by each button of Real-time Collection, recalculate now each button correspondence and press the variance in pressure data storehouse, and the difference pressed corresponding in pressure data storehouse variance and step 6 between the variance of pressure data storehouse is pressed according to each button again gained, make payment judge whether performing delivery operation:

When each button gained press the difference between the variance of pressure data storehouse be respectively less than or equal to predetermined threshold value time, represent that the data that each button gained again is pressed in pressure data storehouse do not have because newly added data produce big fluctuation, represent that this payment cipher is inputted by mobile intelligent terminal lawful owner, then perform step 20；Otherwise, illustrating that now pressure value of pressing suffered by each button occurs in that bigger fluctuation, represent that this payment cipher is not mobile intelligent terminal lawful owner input, mobile intelligent terminal refusal performs delivery operation；

Step 20, mobile intelligent terminal sends the pay warrant of the payment cipher including its finance notarial deed and reception to banking system, by banking system, the fund of this mobile intelligent terminal account is transferred to logistics company in the account of banking system, and turns money success notification to handheld POS terminal, logistics company account management platform and mobile intelligent terminal turning to send respectively after money completes；

Otherwise, mobile intelligent terminal, in preset termination time bracket, rejects any payment request, is further ensured that the amount of money safety in mobile intelligent terminal corresponding account；Handheld POS terminal receive that banking system sends turn money success notification after, logistics company sends part person that commodity are given addressee, completes logistics company sending with charge free and collecting money commodity corresponding to this addressee；

Step 21, the mobile intelligent terminal correspondence respectively remaining each addressee performs the step 8 process to step 20, to complete logistics company to the sending with charge free and collecting money of corresponding goods in each trading order form, then logistics company management platform sends expense with charge free according to what it was preset with shopping online platform, after at deduction, it sends expense with charge free, logistics company management platform is according to the end article price in each sequence information, send pay warrant to banking system, the account of businessman corresponding to the corresponding fund in logistics company management platform is transferred in each sequence information by banking system respectively, complete the secure payment process cashed on delivery.

Claims (1)

1. realize the logistics security method of payment of cod transaction, for the payment transaction system that merchant terminal, shopping online platform, multiple consumer end, logistics company management platform, banking system and certification authority are constituted, it is characterized in that, in turn include the following steps:

Step 1, businessman passes through merchant terminal shopping on the web platform publishing commodity, after consumer utilizes each consumer end's shopping on the web platform selecting end article, the contact details of input addressee, and select to cash on delivery, generated the trading order form for purchased commodity by shopping online platform, and preserve this trading order form；Wherein, trading order form includes Business Contact Information, addressee information and mode of cashing on delivery belonging to order generation time, purchased trade name and price, purchased commodity；

Step 2, shopping online platform sends picking notice and trading order form to logistics company management platform, after logistics company management platform preserves trading order form, notice logistics company picking person locates picking according to trading order form information in businessman, and by the identity information of logistics company store transaction order picking person；

Step 3, logistics company offers collecting account in banking system, and utilize logistics company management platform that its each handheld POS terminal with NFC function is all put on record, set up each handheld POS terminal respectively with the communication connection of banking system, certification authority, utilize handheld POS terminal to send certification respectively and ask to banking system and certification authority, banking system generates the financial certification authority certificate of its PKI with handheld POS terminal communication and handheld POS terminal, and sends financial certification authority certificate and PKI to handheld POS terminal；Certification authority generates the credit accreditation certificate of its PKI with handheld POS terminal communication and handheld POS terminal, concurrently delivers letters and uses certification certificate and PKI to handheld POS terminal；Wherein:

Described handheld POS terminal is designated as POS, and banking system is designated as BANK, and certification authority is designated as TSM, and the financial certification authority certificate of handheld POS terminal is designated as Cert (BANK_POS), the PKI of banking system and handheld POS terminal is designated as k (POS, BANK)；The credit accreditation certificate of handheld POS terminal is designated as Cert (TSM_POS), certification authority and handheld POS terminal public key are designated as k (POS, TSM)；

Step 4, logistics company management platform is according to each addressee information in trading order form, arrangement logistics vehicles is delivered, and is notified that logistics company is sent part person to carry handheld POS terminal, NFC relaying convergent terminal and L (L >=3) the individual NFC link terminal put on record and sent commodity with charge free according to each addressee information in trading order form by logistics company management platform；

Step 5, each addressee utilizes it to have the mobile intelligent terminal of NFC function and sends certification respectively and ask to banking system and certification authority, banking system generates the financial certification authority certificate of its PKI communicated with mobile intelligent terminal and mobile intelligent terminal, and sends financial certification authority certificate and PKI to mobile intelligent terminal；Certification authority generates the credit accreditation certificate of its PKI communicated with mobile intelligent terminal and mobile intelligent terminal, concurrently delivers letters and uses certification certificate and PKI to mobile intelligent terminal；Wherein, mobile intelligent terminal is designated as Mobile, and the financial certification authority certificate of mobile intelligent terminal is designated as Cert (BANK_Mobile), the PKI of banking system and mobile intelligent terminal is designated as k (Mobile, BANK)；The credit accreditation certificate of mobile intelligent terminal is labeled as Cert (TSM_Mobile), the PKI of certification authority and mobile intelligent terminal is designated as k (Mobile, TSM)；

Step 6, mobile intelligent terminal in preset time period under its lawful owner's normal condition of Real-time Collection on keyboard the pressing pressure value and press pressure direction of each button, build and utilize the left hand that left hand and the right hand are respectively directed to each button to press pressure data storehouse under lawful owner's normal condition of mobile intelligent terminal and the right hand presses pressure data storehouse, and calculate each button left hand respectively and press pressure data storehouse and the right hand presses the variance in pressure data storehouse；Wherein:

On described mobile intelligent terminal, i-th key markings is Button_i, for button Button_iThe left hand of constructed mobile intelligent terminal lawful owner is pressed pressure data storehouse and is labeled asThe right hand of mobile intelligent terminal lawful owner is pressed pressure data storehouse and is labeled asN ∈ N, N be left hand press that pressure data storehouse and pressing stores in pressure data storehouse respectively press pressure data number；Represent for button Button_iThe n-th of the mobile intelligent terminal lawful owner's left hand gathered presses pressure data,Represent for button Button_iThe n-th of the mobile intelligent terminal lawful owner's right hand gathered presses pressure data；Described button Button_iThe variance that suffered mobile intelligent terminal lawful owner's left hand presses pressure is labeled asMobile intelligent terminal lawful owner's right hand is pressed the variance of pressure and is labeled asVarianceWithComputing formula respectively as follows:

${\mathrm{\&sigma;}}_{Left}^2\left({\mathrm{Button}}_i\right)=\underset{n=1}{\overset{N}{\&Sigma;}}\frac{{\left(F_{Buttoni}^{Left}\right(n)-\stackrel{\&OverBar;}{F_{Buttoni}^{Left}})}^2}{N},\stackrel{\&OverBar;}{F_{Buttoni}^{Left}}=\underset{n=1}{\overset{N}{\&Sigma;}}\frac{F_{Buttoni}^{Left}\left(n\right)}{N};$

${\mathrm{\&sigma;}}_{Right}^2\left({\mathrm{Button}}_i\right)=\underset{n=1}{\overset{N}{\&Sigma;}}\frac{{\left(F_{Buttoni}^{Right}\right(n)-\stackrel{\&OverBar;}{F_{Buttoni}^{Right}})}^2}{N},\stackrel{\&OverBar;}{F_{Buttoni}^{Right}}=\underset{n=1}{\overset{N}{\&Sigma;}}\frac{F_{Buttoni}^{Right}\left(n\right)}{N};$

Step 7, logistics company sends part person to sort out according to the address in each trading order form information, and when the trading order form of same address reach to preset when sending number with charge free, send part person then to send to pass commodity and locate to multiple addressees of same address, part person is sent to open the NFC function of each NFC link terminal and handheld POS terminal, and lay each NFC link terminal respectively and be positioned at different positions, wait that each addressee utilizes respective mobile intelligent terminal to pay the bill；

Step 8, after one of them addressee in multiple addressees opens the NFC function of its mobile intelligent terminal, handheld POS terminal obtains noise and the air humidity of current location data and current location, the time of storage current location data, current location noise and air humidity and respectively acquisition current location and air humidity, and send the payment request information including handheld POS terminal self signature to this mobile intelligent terminal with the private key of handheld POS terminal；Wherein:

Described payment request information includes handheld POS terminal current location data P (x_POS,y_POS,z_POS), payment request ReqM, obtain current location data timeHandheld POS terminal current location noise SNR_POS, handheld POS terminal current location air humidity RH_POS, obtain time of current location air humidityThe financial certification authority certificate Cert (BANK of handheld POS terminal_POS), the credit accreditation certificate Cert (TSM of handheld POS terminal_POS), handheld POS terminal self signature Sig_POSAnd the private key of handheld POS terminal is designated as sk (POS)；Wherein, this payment request information is designated as Message_P-M, payment request information Message_P-MLabelling is as follows:

${\mathrm{Message}}_{P-M}=\left\{\begin{array}{c}POS,Mobile,P_{POS},SN{R}_{POS},R{H}_{POS},T_{POS}^P,T_{POS}^{RH},Cert\left(BAN{K}_{POS}\right),\\ Cert\left(TS{M}_{POS}\right),\mathrm{Re}qM,Si{g}_{POS},sk\left(POS\right)\end{array}\right\};$

Wherein, P_POS=P (x_POS,y_POS,z_POS)；

Step 9, mobile intelligent terminal receives, obtains the payment request information that handheld POS terminal sends, obtain current location and the current location noise of mobile intelligent terminal, obtain mobile intelligent terminal current location time, mobile intelligent terminal current location air humidity and obtain the mobile intelligent terminal current location air humidity time, and send the certification solicited message including handheld POS terminal payment request information to certification authority with the PKI between itself and certification authority；Wherein:

Current location data M (the x that the certification solicited message that described mobile intelligent terminal sends includes the payment request information of handheld POS terminal, mobile intelligent terminal obtains_Mobile,y_Mobile,z_Mobile), mobile intelligent terminal current location noise SNR_Mobile, obtain the mobile intelligent terminal current location data timeMobile intelligent terminal current location air humidity RH_Mobile, obtain current location air humidity RH_MobileTimeCertification request ReqT and mobile intelligent terminal and handheld POS terminal session ask ReqSession；This certification solicited message of mobile intelligent terminal is labeled as Message_M-T, certification solicited message Message_M-TAs follows by formula labelling:

${\mathrm{Message}}_{M-T}=\left\{\begin{array}{c}Messag{e}_{P-M},TSM,M_{Mobile},T_{Mobile}^M,T_{Mobile}^{RH},SN{R}_{Mobile},R{H}_{Mobile},\\ \mathrm{Re}qT,\mathrm{Re}qSession,k(Mobile,TSM)\end{array}\right\};$

Wherein, M_Mobile=M (x_Mobile,y_Mobile,z_Mobile)；

Step 10, the current self-position data each obtained are sent to NFC and relay convergent terminal by handheld POS terminal and mobile intelligent terminal respectively, convergent terminal is relayed using the midpoint of handheld POS terminal and mobile intelligent terminal line as the centre of sphere by NFC, using the mobile intelligent terminal half from handheld POS terminal distance as the radius of a ball, set up the spheroid equation S in space；Wherein, the described centre of sphere is designated as O (x_o,y_o,z_o), the radius of a ball is designated as R, and spheroid equation S computing formula is as follows:

S:(x-x_o)²+(y-y_o)²+(z-z_o)²=R²；

$\left\{\begin{array}{c}{x}_o=\frac{1}{2}(x_{POS}+x_{Mobile})\\ y_o=\frac{1}{2}(y_{POS}+y_{Mobile})\\ z_o=\frac{1}{2}(z_{POS}+z_{Mobile})\end{array}\right.;R=\frac{1}{2}\sqrt{{(x_{Mobile}-x_{POS})}^2+{(y_{Mobile}-y_{POS})}^2+{(z_{Mobile}-z_{POS})}^2};$

Step 11, the self-position data each obtained and signal to noise ratio are sent to NFC and relay convergent terminal by each NFC link terminal respectively, NFC relay convergent terminal and judge, choose optimum N FC link terminal；Wherein, NFC relays convergent terminal and chooses the process of optimum N FC link terminal and comprise the steps 11-1 to step 11-3:

Step 11-1, the position data (x according to the l NFC link terminal_Relay,l,y_Relay,l,z_Relay,l), NFC relays convergent terminal and judges (x_Relay,l-x_o)²+(y_Relay,l-y_o)²+(z_Relay,l-z_o)²≤R²Time, then choose this NFC link terminal as the alternative relaying participating in near-field communication；Otherwise, then reject this NFC link terminal, handheld POS terminal and mobile intelligent terminal are made directly near-field communication；

Step 11-2, NFC relay the convergent terminal signal to noise ratio according to each alternative relaying received, and calculate the relaying sincerity coefficient obtaining each alternative relaying；Wherein, the relaying sincerity coefficient of l alternative relaying is designated as κ_Relay,l, κ_Relay,lComputing formula is as follows:

${\mathrm{\&kappa;}}_{\mathrm{Re}lay,l}=\frac{\sqrt{\frac{1}{L^{\&prime;}}\underset{l=1}{\overset{L^{\&prime;}}{\&Sigma;}}{({\mathrm{SNR}}_{\mathrm{Re}lay,l}-{\stackrel{\&OverBar;}{SNR}}_{\mathrm{Re}lay,l})}^2}}{{\mathrm{SNR}}_{\mathrm{Re}lay,l}},{\stackrel{\&OverBar;}{SNR}}_{\mathrm{Re}lay,l}=\frac{1}{L^{\&prime;}}\underset{l=1}{\overset{L^{\&prime;}}{\&Sigma;}}{\mathrm{SNR}}_{\mathrm{Re}lay,l};L^{\&prime;}\&le;L;$

Step 11-3, NFC relay the convergent terminal distance d according to each alternative repeater span centre of sphere_Relay,lAnd the relaying sincerity coefficient of each alternative relaying obtained, obtain the participation coefficient ξ of each alternative relaying_Relay,l, and to participate in alternative relaying corresponding to coefficient maximum as optimum N FC link terminal；Wherein, coefficient is participated inL=1,2 ..., L'；

Step 12, when the spacing of mobile intelligent terminal and handheld POS terminal is more than near-field communication distance, handheld POS terminal sends the payment request information including handheld POS terminal self signature and current location noise and air humidity value to optimum N FC link terminal, after optimum N FC link terminal obtains current location noise and the air humidity of its present position, by the current location noise of its acquisition and air humidity and handheld POS terminal payment request information to mobile intelligent terminal；Wherein:

Described payment request information includes the current self-position data P (x of handheld POS terminal_POS,y_POS,z_POS), payment request ReqM, handheld POS terminal obtain current self-position data time T_P, current location noise SNR_POS, current location air humidity value RH_POS, handheld POS terminal financial notarial deed Cert (BANK_POS), the credit notarial deed Cert (TSM of handheld POS terminal_POS), handheld POS terminal self signature Sig_POSAnd the private key sk (POS) of handheld POS terminal；Wherein, this payment request information is labeled as Message_P-M, payment request information Message_P-MAs follows by formula labelling:

${\mathrm{Message}}_{P-M}=\left\{\begin{array}{c}POS,Mobile,P_{POS},SN{R}_{POS},R{H}_{POS},T_P,Cert\left(BAN{K}_{POS}\right),Cert\left(TS{M}_{POS}\right),\\ \mathrm{Re}qM,Si{g}_{POS},sk\left(POS\right)\end{array}\right\};$

Step 13, mobile intelligent terminal receives the payment request information of handheld POS terminal and the noise of optimum N FC link terminal present position and air humidity that forward through optimum N FC link terminal, and obtain the current location of mobile intelligent terminal, current location noise and air humidity value, mobile intelligent terminal send the certification solicited message and optimum N FC link terminal present position air humidity that include handheld POS terminal payment request information to certification authority；Wherein:

The certification solicited message that described mobile intelligent terminal sends include the payment request information of handheld POS terminal, mobile intelligent terminal current location data, obtain current location time, mobile intelligent terminal current location noise, mobile intelligent terminal current location air humidity value, obtain the current location air humidity value time, certification request and its ask with handheld POS terminal session；Wherein, this certification solicited message of mobile intelligent terminal is labeled as Message_M-T, certification solicited message Message_M-TAs follows by formula labelling:

${\mathrm{Message}}_{M-T}=\left\{\begin{array}{c}Messag{e}_{P-M},TSM,M_{Mobile},SN{R}_{Mobile},R{H}_{Mobile},T_{Mobile}^M,T_{Mobile}^{RH},\mathrm{Re}qT,\\ \mathrm{Re}qSession,k(Mobile,TSM)\end{array}\right\};$

Step 14, certification authority's reception, the certification solicited message extracting mobile intelligent terminal transmission and optimum N FC link terminal present position noise and air humidity, and according to the current location data in the mobile intelligent terminal certification solicited message extracted, current location noise and air humidity situation, mobile intelligent terminal is made feedback；Wherein, this step includes step 14-1 to step 14-3 successively:

Step 14-1, when certification authority judges that the credit notarial deed in the certification solicited message extracted is present in the credit notarial deed data base that certification authority has stored, then show that the POS terminal that this credit notarial deed is corresponding is security terminal, certification authority generates the transaction key between mobile intelligent terminal and this POS terminal, and performs step 14-2；Otherwise, certification authority sends refusal Transaction Information to mobile intelligent terminal；

Step 14-2, certification authority is according to handheld POS terminal current location data and mobile intelligent terminal current location data in the certification request extracted, judge that the space length between handheld POS terminal and mobile intelligent terminal is less than default Secure Transaction word space threshold, and the noise difference of position corresponding to both is when being positioned at default scope, then perform step 14-3；Otherwise, certification authority sends refusal Transaction Information to mobile intelligent terminal；

Step 14-3, certification authority is according to the handheld POS terminal current location air humidity value extracted, mobile intelligent terminal current location air humidity value and the time obtaining air humidity value respectively, judge handheld POS terminal and mobile intelligent terminal, handheld POS terminal and optimum N FC link terminal the difference of air humidity corresponding respectively be respectively positioned in default difference range and obtain the interval of air humidity data when being respectively positioned within the scope of preset security interval, then certification authority sends and confirms that Transaction Information is to mobile intelligent terminal；Otherwise, certification authority sends refusal Transaction Information to mobile intelligent terminal；Wherein, the confirmation Transaction Information that described certification authority sends is labeled as Message_T-M-Confirm, the refusal Transaction Information that certification authority sends is labeled as Message_T-M-Reject；Wherein:

${\mathrm{Message}}_{T-M-Confirm}=\{TSM,Mobile,POS,P_{POS},M_{Mobile},T_{POS}^P,Cert\left({\mathrm{TSM}}_{POS}\right),K,k(Mobile,TSM)\};$

Message_T-M-Reject={ TSM, Mobile, POS, P_POS,M_Mobile,RejectP,k(Mobile,TSM)}；

Step 15, mobile intelligent terminal receives the confirmation Transaction Information that certification authority sends, and through optimum N FC link terminal, the transaction interactive information including mobile intelligent terminal signature is sent to handheld POS terminal；Wherein:

Described transaction interactive information includes the signature Sig of mobile intelligent terminal_Mobile, the current location data of mobile intelligent terminal, transaction key between mobile intelligent terminal and handheld POS terminal, the financial notarial deed of mobile intelligent terminal, the credit notarial deed of mobile intelligent terminal and hold the credit notarial deed of POS terminal；The transaction interactive information that described mobile intelligent terminal sends is labeled as Message_M-P, wherein:

${\mathrm{Message}}_{M-P}=\left\{\begin{array}{c}Mobile,POS,TSM,M_{Mobile},Cert\left(BAN{K}_{Mobile}\right),Cert\left(TS{M}_{Mobile}\right),K,Si{g}_{Mobile},\\ Cert\left(TS{M}_{POS}\right)\end{array}\right\};$

Step 16, handheld POS terminal receives, extracts the transaction interactive information of the mobile intelligent terminal forwarded through optimum N FC link terminal, and judge according to the information extracted in transaction interactive information: when having been stored in the credit notarial deed data base that handheld POS terminal has stored when the credit notarial deed extracted, then perform step 17, handheld POS terminal and mobile intelligent terminal carry out payment transaction through optimum N FC link terminal；Otherwise, handheld POS terminal refusal carries out payment transaction with mobile intelligent terminal；

Step 17, handheld POS terminal generates random number, and with the transaction key between itself and mobile intelligent terminal, the payment information of payment data and handheld POS terminal self-position data needed for including the random number of generation, mobile intelligent terminal current location data, mobile intelligent terminal that sends is sent to mobile intelligent terminal through optimum N FC link terminal；Wherein, described payment information flag is Message_P-W-Payment, Message_P-W-PaymentAs follows by formula labelling:

Message_P-W-Payment={ POS, Mobile, m, M, P_POS,Payment,K}；

Wherein, m represents the random number that handheld POS terminal generates, and Payment represents payment needed for this mobile intelligent terminal, and K is the transaction key between handheld POS terminal and mobile intelligent terminal；

Step 18, mobile intelligent terminal receives the payment information of the handheld POS terminal forwarded through optimum N FC link terminal, and generate random number, mobile intelligent terminal the payment transaction records information including received payment information and newly-generated random number is sent to visa mechanism and stores；Described payment transaction records information flag is S_W-T-Payment, wherein:

S_W-T-Payment={ Wallet, TSM, POS, r, k (Wallet, TSM) }, r represents the random number that mobile intelligent terminal generates；

Step 19, mobile intelligent terminal receives the outside payment cipher by each key-press input, and press pressure value and direction suffered by Real-time Collection now each button, then mobile intelligent terminal press suffered by each button pressure direction judge to press press each button as after left hand or the right hand, and press in pressure data storehouse by what press that pressure adds correspondence to suffered by each button of Real-time Collection, recalculate now each button correspondence and press the variance in pressure data storehouse, and the difference pressed corresponding in pressure data storehouse variance and step 6 between the variance of pressure data storehouse is pressed according to each button again gained, make payment judge whether performing delivery operation:

When each button gained press the difference between the variance of pressure data storehouse be respectively less than or equal to predetermined threshold value time, represent that this payment cipher is inputted by mobile intelligent terminal lawful owner, then execution step 20；Otherwise, representing that this payment cipher is not mobile intelligent terminal lawful owner input, mobile intelligent terminal refusal performs delivery operation；

Step 20, mobile intelligent terminal sends the pay warrant of the payment cipher including its finance notarial deed and reception to banking system, by banking system, the fund of this mobile intelligent terminal account is transferred to logistics company in the account of banking system, and turns money success notification to handheld POS terminal, logistics company account management platform and mobile intelligent terminal turning to send respectively after money completes；Otherwise, mobile intelligent terminal, in preset termination time bracket, rejects any payment request；Handheld POS terminal receive that banking system sends turn money success notification after, logistics company sends part person that commodity are given addressee, completes logistics company sending with charge free and collecting money commodity corresponding to this addressee；

Step 21, the mobile intelligent terminal correspondence respectively remaining each addressee performs the step 8 process to step 20, to complete logistics company to the sending with charge free and collecting money of corresponding goods in each trading order form, then logistics company management platform sends expense with charge free according to what it was preset with shopping online platform, after at deduction, it sends expense with charge free, logistics company management platform is according to the end article price in each sequence information, send pay warrant to banking system, the account of businessman corresponding to the corresponding fund in logistics company management platform is transferred in each sequence information by banking system respectively, complete the secure payment process cashed on delivery.