CN108334927A - A kind of NFC receives single label and its method of payment - Google Patents
A kind of NFC receives single label and its method of payment Download PDFInfo
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- CN108334927A CN108334927A CN201810380781.XA CN201810380781A CN108334927A CN 108334927 A CN108334927 A CN 108334927A CN 201810380781 A CN201810380781 A CN 201810380781A CN 108334927 A CN108334927 A CN 108334927A
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
- G06K19/07745—Mounting details of integrated circuit chips
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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Abstract
This application involves information security fields more particularly to a kind of NFC to receive single label and its method of payment.It includes NFC module and safety chip that the NFC, which receives single label,；NFC module be used for when mobile device close to when carry out data transmission with mobile device, make user's complete independently mobile payment；Randomizer is set in safety chip, the identifying code for generating signature；Also be stored with NFC tag information, card issuer root key, storage calculates the root key NFC generated using asymmetric arithmetic and receives single label private key.The existing safe class for receiving unit/terminal can be promoted in the case of low cost using the technical solution of the application, and easy to operate, convenient, operation link can also be reduced in payment, promotes payment efficiency.
Description
Technical field
This application involves information security fields more particularly to a kind of NFC to receive single label and its method of payment.
Background technology
There are many current mobile payment Market and Technology, have Quick Response Code payment, audio payment, fingerprint payment, brush face payment,
NFC payment, magnetic stripe payment, iris payment etc., these technologies respectively have advantage and disadvantage.Wherein planar bar code technology is due to popularizing cost
Low, each producer all promotes in subsidy energetically, with the fastest developing speed；NFC technique payment experience is most fast, and usage time at most, is pacified
Congruent grade highest.But existing end product is since cost is higher, and it is inconvenient to carry, cause the market shrink serious.
Existing NFC payment terminal and Quick Response Code payment are more universal, and NFC payment terminal is divided into tradition by taking POS as an example
POS, intelligence pos, the forms such as M-pos, hand brush, volume vary, and function is more complete, but are all in middle-grade and high shunting yard
It closes and uses.Cost is generally between 100 yuan to 1000 yuan, and function is more complete, and volume is big compared with Quick Response Code, needs to charge, need
Trade company and client, which co-operate, could complete payment.Quick Response Code payment can be become using a piece of paper receives unit/terminal, but due to two
Dimension code is that static safety is again relatively low.
Invention content
Based on defect existing for existing product, present applicant proposes a kind of NFC to receive single label and its method of payment.
The application the technical solution adopted is that：A kind of single label of NFC receipts, including NFC module and safety chip；
NFC module be used for when mobile device close to when carry out data transmission with mobile device, make the movement of user's complete independently
Payment；
Randomizer is set in safety chip, for generating dynamic code；Also it is stored with NFC tag information, card issuer
Root key, storage calculates the root key NFC generated using asymmetric arithmetic and receives single label private key.
Preferably, wherein storage includes a URL link in NFC tag information, and the URL link includes bank gathering
URL, merchant identification and dynamic code.
Preferably, wherein safety chip is additionally operable to after NFC receives single tag activation, the randomizer of chip interior
Dynamic code is generated, and using the URL link in dynamic code update NFC tag information, single label private key is received using the NFC
NFC tag information is encrypted, encryption data is obtained.
Preferably, wherein the Encryption Algorithm appointed in advance with bank server is also stored in safety chip, for giving birth to
At dynamic code.
A kind of NFC receives the method for payment of single label, including：
After mobile device receives single label close to NFC, activation NFC receives single label；
Step S1：NFC receives single label and generates dynamic code, updates NFC tag information using the dynamic code, and to update after
NFC tag information encryption, obtain encryption data；
Step S2：Mobile device reads the encryption data in the single label of NFC receipts, decrypts to obtain NFC label letter to it
Breath；
Step S3：Mobile device generates payment request to NFC tag information and Transaction Information encryption and is sent to bank
Server；
Step S4：The payment request is decrypted in bank server, in the NFC tag information that verification decryption obtains
Whether dynamic code is correct, if it is, executing operation of withholing, otherwise returns to error message.
Preferably, wherein further include before step S1：
Step S01：Mobile device utilizes account number of the public key corresponding with the single label private key of NFC receipts to pre-arranged code format
According to being encrypted, encryption account data is obtained；
Step S02：NFC receives single tag activation, reads the encryption account data in mobile device, and single label is received using NFC
Private key is decrypted, judge whether can successful decryption otherwise return to mistake to mobile device if so, then follow the steps S03
Information；
Step S03：NFC receives whether the account data that single label Verification is decrypted meets pre-arranged code format, if so,
S1 is thened follow the steps, otherwise returns to error message to mobile device.
Preferably, wherein NFC receives single label and generates dynamic code, updates NFC tag information using the dynamic code, specifically
For：The NFC receives single inside tags and generates dynamic code, updates the URL link in NFC tag information using the dynamic code.
Preferably, wherein the dynamic code of generation is specifically, according in current time or the pre-set counter of acquisition
Current count value is calculated, and dynamic code is obtained.
Preferably, wherein step S3 is specially：
Mobile device receives transaction amount input by user, and the merchant account in the NFC tag information obtained to decryption is believed
Breath, dynamic code and the Transaction Information progress being made of payment account information, exchange hour and transaction amount input by user
Encryption generates payment request；
The payment request is sent to bank corresponding with the URL link in the single label information of NFC receipts and taken by mobile device
Business device.
Preferably, wherein whether the dynamic code in the NFC tag information that bank server verification decryption obtains is correct, tool
Body is：Bank server is internally provided with verification device corresponding with the single randomizer of inside tags of NFC receipts, described to test
Card device verifies dynamic code in each transaction.
The application obtain advantageous effect be：The present invention receives single label using NFC, can be promoted in the case of low cost
The existing safe class for receiving unit/terminal, and it is easy to operate, convenient, operation link can also be reduced in payment, promote payment
Efficiency.
Description of the drawings
In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, to embodiment or will show below
There is attached drawing needed in technology description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments described in application can also be obtained according to these attached drawings other for those of ordinary skill in the art
Attached drawing.
Fig. 1 is that a kind of NFC that the embodiment of the present application one provides receives single label apparatus figure；
Fig. 2 is a kind of system diagram for payment system for receiving single label using NFC that the embodiment of the present application two provides；
Fig. 3 is the flow chart of work methods that the NFC that the embodiment of the present application three provides receives single label method of payment；
Fig. 4 is another flow chart of work methods that the NFC that the embodiment of the present application three provides receives single label method of payment.
Specific implementation mode
With reference to the attached drawing in the embodiment of the present invention, technical solution in the embodiment of the present invention carries out clear, complete
Ground describes, it is clear that described embodiments are some of the embodiments of the present invention, instead of all the embodiments.Based on the present invention
In embodiment, the every other embodiment that those skilled in the art are obtained without making creative work, all
Belong to the scope of protection of the invention.
The mobile device referred in the present invention, refers to the mobile end equipment with NFC function, for example, mobile phone, tradition POS,
Intelligent pos, M-pos etc..
Embodiment one
The embodiment of the present invention one provides a kind of single label 10 of NFC receipts, as shown in Figure 1, including NFC module 101 and safety
Chip 102；
NFC module 101 be used for when mobile device close to when carry out data transmission with mobile device；
Randomizer and counter are set in safety chip 102, and randomizer is for generating random number, every time
Counter adds one after transaction, and the counting that random number and counter add up combines, for generating dynamic code；Also it is stored with NFC marks
Sign information, card issuer root key, and storage calculates the root key NFC generated using asymmetric arithmetic and receives single label
Private key.
Storage is there are one URL link in NFC tag information 101, and including but not limited to merchant information, tag types, have
The information such as effect phase, card issuer information and cryptography information；URL link includes bank gathering URL, merchant identification and dynamic code.
Safety chip 102 is additionally operable to after NFC receives single tag activation, and the randomizer of chip interior generates dynamic
Code, and using the URL link in dynamic code update NFC tag information, using NFC receive single label private key to NFC tag information into
Row encryption, obtains encryption data.It is also stored in safety chip 102 and appoints Encryption Algorithm and encryption with bank server in advance
The factor；
Wherein, NFC receives single label in manufacture, in advance by bank server according to key decentralized algorithm to bank's root key
Calculate and generate key pair, private key is preserved into bank server, and public key is sent to the single label of NFC receipts and is preserved, and is propping up
During paying, NFC receives single label and generates random number, accumulative to random number, counter using above-mentioned public key using Encryption Algorithm
It counts and encryption factor is calculated, generate dynamic code；After reaching bank server, bank server uses internal random number
The random number that generator generates, calculates random number and encryption factor using above-mentioned private key using Encryption Algorithm, to dynamic
Code is verified, and it is then valid operation to be proved to be successful.
Embodiment two
Second embodiment of the present invention provides a kind of payment systems for receiving single label using NFC, as shown in Fig. 2, including：Embodiment
NFC in one receives single label 10, mobile device 11 and bank server 12；
Mobile device 11, including data transmission module 111 and security module 112；
Data transmission module 111 receives the encryption data encrypted to NFC tag information in single label for reading NFC,
And transmit payment request to bank server；
Security module 112 receives the legitimacy of single label for verifying NFC, and according to NFC tag information and Transaction Information
Generate payment request；
Bank server 12, including authentication module 121 and transaction modules 122；
Authentication module 121, the legitimacy for NFC tag information in validation of payment request；
Transaction modules 122, for executing operation of withholing after being verified.
The legitimacy that NFC receives single label is verified in security module 112, is specifically used for use and is received single label private key pair with NFC
Encryption data is decrypted in the public key answered, and judging whether being capable of successful decryption.
Payment request is generated according to NFC tag information and Transaction Information in security module 112, it is defeated to be specifically used for reception user
The transaction amount entered, the NFC tag information and Transaction Information obtained to decryption add using public key corresponding with bank's private key
It is close, generate payment request.
Authentication module 121 is decrypted payment request specifically for application bank private key, NFC is verified after successful decryption
Whether the dynamic code in label information is correct.
Security module 112 is additionally operable to the account to pre-arranged code format using public key corresponding with the single label private key of NFC receipts
Data are encrypted, and obtain encryption account data；Safety chip 102 further includes memory module, for being read by NFC module
To after the encryption account data in mobile device, receives single label private key using NFC and be decrypted, and the account that verification decryption obtains
Whether the format of number is correct.
Embodiment three
Single label is received based on the NFC that embodiment one and embodiment two provide and its method of payment, the embodiment of the present invention three are right
The method of payment that NFC receives single label is described in detail；
A kind of NFC receives the method for payment of single label, is applied to include that NFC receives single label, mobile device and bank server
In the system of composition, as shown in figure 3, including：
In the present embodiment, the safety chip storage inside that NFC receives single label has NFC to receive single label information；Wherein, NFC is marked
Signing storage in information, there are one URL links, and including but not limited to merchant information, tag types, the term of validity, card issuer information
And cryptography information；URL link includes bank gathering URL, merchant identification and dynamic code.
URL link is exemplified below：
http://www.XXXX.com.cn/pay/key=XXXXXX＆ran=YYYY；
Wherein：http://www.XXXX.com.cn/pay/ is bank gathering URL；Key=XXXXXX is merchant identification,
Each trade company is different；Ran=YYYY is after upgrading in the increased content changed with transaction count in tail portion, i.e. dynamic code.
When NFC receives single label manufacture, the root key of card issuer is written in trusted context, is given birth to using asymmetric arithmetic
At key pair, private key is preserved into safety chip, public key, which is sent to mobile device, to be preserved.
The specific payment process for receiving single label to NFC below is described in detail, specially：
After mobile device receives single label close to NFC, the coil-induced mobile devices of NFC of NFC module simultaneously obtain electric current, swash
NFC living receives single label；
Step 201：After NFC receives single tag activation, the randomizer of chip interior generates dynamic code, and uses dynamic
URL link in code update NFC tag information receives single label private key using NFC and NFC tag information is encrypted, added
Ciphertext data；
In the present embodiment, the dynamic code that randomizer generates can according to current time or be obtained pre-set
Current count value in counter is calculated, and dynamic code is obtained.
Step 202：Mobile device reads the encryption data in the single label of NFC receipts, corresponding using single label private key is received with NFC
Public key encryption data is decrypted, judge whether can successful decryption, if so, then follow the steps 203, otherwise prompt is wrong
False information；
Step 203：Mobile device receives transaction amount input by user, the NFC tag information obtained to decryption and transaction
Information application public key corresponding with bank's private key is encrypted, and generates payment request；
The encrypted NFC tag information of this step includes merchant account information and dynamic code；
Payment information includes payment account information, exchange hour and transaction amount input by user.
Step 204：It is corresponding that payment request is sent to the bank gathering URL received with NFC in single label information by mobile device
Bank server；
The URL link that NFC is received in single label includes bank gathering URL：http://www.XXXX.com.cn/pay/,
Payment request is sent to the corresponding bank servers of bank gathering URL.
Step 205：After bank server receives payment request, payment request is decrypted using bank's private key, is sentenced
Whether disconnected decryption succeeds, if so, thening follow the steps 206, otherwise returns to error message to mobile device；
Step 206：Bank server decryption payment request obtains NFC tag information and Transaction Information, verification NFC label letter
Whether the dynamic code in breath is correct, if so, thening follow the steps 207, otherwise returns to error message to mobile device；
Specifically, whether verification dynamic code is correct, specially：Bank server internal maintenance receives single tag security with NFC
The corresponding verification device of randomizer of chip interior works as verification for verifying the dynamic code generated in each transaction
Success, then explanation this time transaction is licit traffic.
Step 207：Bank server receives the merchant account information in single label, the payment account in payment information according to NFC
Family information and transaction amount execute operation of withholing, and generate clearing daily record and simultaneously notify trade company and user.
In the present embodiment, NFC receives single label and is served only for providing end message, convenient and efficient without interactive authentication, operation
It is easy.
Convenient to use in order to easy to operate in said program, NFC receives single label and is served only for providing for mobile device
NFC tag information, NFC receive single label with mobile device without interactive operation.
Further, in following proposal, in order to keep payment safer, NFC receives single label and is mutually authenticated with mobile device
Other side's legitimacy, as shown in figure 4, concrete operations are following (increasing following steps before step 201)：
After mobile device receives single label close to NFC, the coil-induced mobile devices of NFC of NFC module simultaneously obtain electric current, swash
NFC living receives single label.
Step 301：Mobile device utilizes account number of the public key corresponding with the single label private key of NFC receipts to pre-arranged code format
According to being encrypted, encryption account data is obtained.
Based on the existing fabrication template of bank, the pre-arranged code format of account data is：TAG1：Store 17 accounts, this account
Number for the coding that defines inside bank；TAG2：12 bankbooks number；TAG3：4 type of credentials；TAG4：40 chip foldings are write down characters in advance
Section.
Step 302：NFC receives single tag activation, reads the encryption account data in mobile device, and single label is received using NFC
Private key is decrypted, judge whether can successful decryption otherwise return to mistake to mobile device if so, then follow the steps 303
Information.
If decryption can obtain in plain text, illustrating successful decryption.
Step 303：NFC receives whether the account data that single label Verification is decrypted meets pre-arranged code format, if so,
201 are thened follow the steps, otherwise returns to error message to mobile device.
Although the preferred embodiment of the application has been described, created once a person skilled in the art knows basic
Property concept, then additional changes and modifications may be made to these embodiments.So it includes excellent that the following claims are intended to be interpreted as
It selects embodiment and falls into all change and modification of the application range.Obviously, those skilled in the art can be to the application
Various modification and variations are carried out without departing from spirit and scope.If in this way, these modifications and variations of the application
Belong within the scope of the application claim and its equivalent technologies, then the application is also intended to exist comprising these modification and variations
It is interior.
Claims (10)
1. a kind of NFC receives single label, which is characterized in that including NFC module and safety chip；
The NFC module be used for when mobile device close to when carry out data transmission with mobile device, make the movement of user's complete independently
Payment；
Randomizer is set in the safety chip, for generating dynamic code；Also it is stored with NFC tag information, card issuer
Root key, storage calculates the root key NFC generated using asymmetric arithmetic and receives single label private key.
2. NFC as described in claim 1 receives single label, which is characterized in that storage includes one in the NFC tag information
URL link, the URL link include bank gathering URL, merchant identification and dynamic code.
3. NFC as claimed in claim 2 receives single label, which is characterized in that the safety chip is additionally operable to receive single label in NFC
After activation, the randomizer of chip interior generates dynamic code, and using in dynamic code update NFC tag information
URL link receives single label private key using the NFC and NFC tag information is encrypted, obtains encryption data.
4. NFC as described in claim 1 receives single label, which is characterized in that be also stored in the safety chip it is advance with it is silver-colored
The good Encryption Algorithm of row server commitment, for generating dynamic code.
5. a kind of NFC receives the method for payment of single label, which is characterized in that including：
After mobile device receives single label close to NFC, activation NFC receives single label；
Step S1：NFC receives single label and generates dynamic code, updates NFC tag information using the dynamic code, and to updated
NFC tag information is encrypted, and encryption data is obtained；
Step S2：Mobile device reads the encryption data in the single label of NFC receipts, decrypts to obtain NFC tag information to it；
Step S3：Mobile device generates payment request to NFC tag information and Transaction Information encryption and is sent to bank service
Device；
Step S4：The payment request is decrypted in bank server, the dynamic in the NFC tag information that verification decryption obtains
Whether code is correct, if it is, executing operation of withholing, otherwise returns to error message.
6. NFC as claimed in claim 5 receives the method for payment of single label, which is characterized in that further include before the step S1：
Step S01：Mobile device utilize with NFC receive the corresponding public key of single label private key to the account data of pre-arranged code format into
Row encryption obtains encryption account data；
Step S02：NFC receives single tag activation, reads the encryption account data in mobile device, and single label private key is received using NFC
Be decrypted, judge whether can successful decryption otherwise return to mistake letter to mobile device if so, then follow the steps S03
Breath；
Step S03：NFC receives whether the account data that single label Verification is decrypted meets pre-arranged code format, if it is, holding
Otherwise row step S1 returns to error message to mobile device.
7. NFC as claimed in claim 5 receives the method for payment of single label, which is characterized in that the NFC receives single inside tags life
At dynamic code, the URL link in NFC tag information is updated using the dynamic code.
8. the NFC as described in claim 5 to 7 any one receives the method for payment of single label, which is characterized in that the generation
Dynamic code is moved specifically, according to current time or obtain the current count value in pre-set counter and calculated
State code.
9. NFC as claimed in claim 5 receives the method for payment of single label, which is characterized in that the step S3, specially：
The mobile device receives transaction amount input by user, and the merchant account in the NFC tag information obtained to decryption is believed
Breath, dynamic code and the Transaction Information progress being made of payment account information, exchange hour and transaction amount input by user
Encryption generates payment request；
The payment request is sent to silver corresponding with the URL link in the single label information of NFC receipts by the mobile device
Row server.
10. NFC as claimed in claim 5 receives the method for payment of single label, which is characterized in that the bank server verification solution
Whether the dynamic code in close obtained NFC tag information is correct, specially：The bank server is internally provided with to be received with NFC
The corresponding verification device of randomizer of single inside tags, the verification device test dynamic code in each transaction
Card.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810380781.XA CN108334927B (en) | 2018-04-25 | 2018-04-25 | NFC (near field communication) receipt tag and payment method thereof |
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| CN201810380781.XA CN108334927B (en) | 2018-04-25 | 2018-04-25 | NFC (near field communication) receipt tag and payment method thereof |
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| CN111092719A (en) * | 2018-10-23 | 2020-05-01 | ***股份有限公司 | Label data refreshing method and system, payment method and system |
| WO2020119095A1 (en) * | 2018-12-12 | 2020-06-18 | ***股份有限公司 | Nfc tag-based data processing method and system implementing same, and tag-based payee terminal |
| CN111612459A (en) * | 2018-08-15 | 2020-09-01 | 阿里巴巴集团控股有限公司 | Security control method and device for two-dimensional code payment |
| CN117436119A (en) * | 2023-10-23 | 2024-01-23 | 拉卡拉支付股份有限公司 | Privacy protection method and device for digital wallet of user, electronic equipment and medium |
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| CN106327184A (en) * | 2016-08-22 | 2017-01-11 | 中国科学院信息工程研究所 | Intelligent mobile terminal payment system and intelligent mobile terminal payment method based on safe hardware isolation |
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