CN116823271A - Secure payment method, apparatus, electronic device and medium - Google Patents
Secure payment method, apparatus, electronic device and medium Download PDFInfo
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Abstract
The method, the device, the electronic equipment and the medium for secure payment can be applied to the technical field of Internet of things and the financial field. The method is applied to first client equipment, wherein the first client equipment comprises a main control chip, a security integrated chip and an NFC communication module, and the method comprises the following steps: acquiring fingerprint information of a user through a fingerprint identification module; user identification verification is carried out based on the security chip, and whether to continue the transaction is determined according to the user identification verification result; if the decision is made to continue the transaction, obtaining an integrity verification result; if the integrity verification result is that the integrity verification result is passed, generating payment authentication information and sending the payment authentication information to a second client; generating payment transaction element confirmation information and a target verification code, so that a user confirms whether the transaction element confirmation information is wrong; if the verification is correct, the second client generates transaction information based on the target verification code and sends the transaction information to the server.
Description
Technical Field
The invention relates to the technical field of the Internet of things and the financial field, in particular to a safe payment method, a device, electronic equipment and a medium.
Background
With the rapid development of mobile payment, people's interest in payment security has also increased. Currently, various large mobile payment companies face security challenges, and are mainly protected based on secure chip transactions or software.
However, with the above protection strategy, there are the following drawbacks: security chips and software may have technical vulnerabilities that an attacker can exploit to bypass security measures or obtain sensitive information, which requires continuous security assessment and vulnerability repair work; the deployment and use of the security chip or software may affect the convenience and user experience of the user, for example, products such as a mobile phone audio U-shield, a dynamic cipher device, etc. or additional identity verification steps, complicated operation procedures and technical faults may cause inconvenience to the user; in addition, in the field of mobile payment, there are a variety of operating systems, hardware platforms, and payment applications, ensuring compatibility and consistency of security chips and software across the various platforms is a challenge, and differences between the different platforms may cause delays or deletions of security patches.
Therefore, there is a need for a method of enabling secure payment such that the integrity and consistency of transaction elements during transmission is ensured and the transaction information of a mobile terminal is prevented from being tampered with.
Disclosure of Invention
In view of the above problems, according to a first aspect of the present invention, there is provided a secure payment method applied to a first client device, wherein the first client device includes a main control chip, a secure integrated chip, and an NFC communication module, the secure integrated chip includes a secure chip, a mobile payment module, a display control module, and a fingerprint identification module, the method includes: responding to a transaction request, and acquiring fingerprint information of a user through the fingerprint identification module; user identification verification is carried out on the fingerprint information based on the security chip, and whether to continue the transaction is determined according to the result of the user identification verification; if the decision is made to continue the transaction, acquiring payment transaction data through the NFC communication module; verifying the integrity of the payment transaction data based on the security chip to obtain an integrity verification result; if the integrity verification result is passed, the mobile payment module generates payment authentication information according to the payment transaction data; based on the NFC communication module, sending the payment authentication information to a second client; generating payment transaction element confirmation information and a target verification code based on the main control chip, the mobile payment module and the display control module, so that a user confirms whether the transaction element confirmation information is wrong; if the verification is correct, the second client generates transaction information based on the target verification code and sends the transaction information to the server.
According to some exemplary embodiments, the main control chip is configured to control the secure integrated chip, the NFC communication module, the secure chip, the mobile payment module, the display control module, and the fingerprint identification module to implement corresponding functions.
According to some exemplary embodiments, the first client device further includes a temperature sensor control module, the display control module includes N liquid metal display areas, the temperature sensor control module is configured to adjust temperatures of the N liquid metal display areas, and the liquid metal display areas are configured to display a target verification code, where N is a positive integer.
According to some exemplary embodiments, the generating the target verification code based on the main control chip, the mobile payment module and the display control module specifically includes: controlling the temperature sensor control module by the main control chip to acquire the initial state temperature of the liquid metal display area; generating verification code information based on the mobile payment module, and acquiring a target display area of the liquid metal area based on the verification code information; controlling the temperature of each of the N liquid metal display areas based on the initial state temperature and the target display area to generate liquid metal deformation display information; and generating the target verification code based on the liquid metal deformation display information.
According to some exemplary embodiments, the liquid metal display region comprises a deformable liquid metal composite material composed of gallium and indium, capable of reversible deformation upon thermal stimulation.
According to some exemplary embodiments, the first client device further comprises a self-generating pressing module, which is integrally packaged with the fingerprint recognition module, and is configured to convert micro planar motion generated by pressing a finger of a user into electrical energy and supply power to the first client device.
According to some exemplary embodiments, the payment transaction element confirmation information includes an amount, time, order number or merchant number for verifying the accuracy of the payment transaction; the target verification code comprises transaction verification code or two-dimensional code information and is used for verifying the authenticity and legitimacy of the transaction.
According to some exemplary embodiments, the method further comprises the step of acquiring initial fingerprint information of the user through the fingerprint identification module and writing the initial fingerprint information into the security chip through the main control chip when the first client device is used for the first time.
According to a second aspect of the present invention, there is provided a secure payment apparatus, the apparatus comprising: fingerprint identification module for: responding to the transaction request, and acquiring fingerprint information of a user; a security chip for: user identification verification is carried out on the fingerprint information, and whether to continue the transaction is determined according to the user identification verification result; NFC communication module for: if the decision is made to continue the transaction, acquiring payment transaction data through the NFC communication module; a mobile payment module for: if the integrity verification result is passed, the mobile payment module generates payment authentication information according to the payment transaction data; the main control chip is used for controlling the safety integrated chip, the NFC communication module, the safety chip, the mobile payment module, the display control module and the fingerprint identification module to realize corresponding functions; the security chip is further used for verifying the integrity of the payment transaction data to obtain an integrity verification result; the NFC communication module is further used for sending the payment authentication information to a second client; the mobile payment module is also used for generating a target verification code together with the main control chip and the display control module, so that the second client generates transaction information based on the target verification code and sends the transaction information to the server.
According to some exemplary embodiments, the secure payment apparatus further includes a temperature sensor control module, a target display area acquisition module, a liquid metal deformation display information generation module, and a target verification code generation module.
According to some exemplary embodiments, the temperature sensor control module may be configured to obtain an initial state temperature of the liquid metal display area under control of the main control chip.
According to some example embodiments, the target display area obtaining module may be configured to generate verification code information based on the mobile payment module, and obtain the target display area of the liquid metal area based on the verification code information.
According to some exemplary embodiments, the liquid metal deformation display information generating module may be configured to control a temperature of each of the N liquid metal display areas based on the initial state temperature and the target display area, and generate liquid metal deformation display information.
According to some example embodiments, the target verification code generation module may be configured to generate the target verification code based on the liquid metal deformation display information.
According to a third aspect of the present invention, there is provided a client device, the client device including a main control chip, a secure integrated chip, a temperature sensor control module and an NFC communication module, the secure integrated chip including a secure chip, a mobile payment module, a display control module and a fingerprint identification module, wherein the client device is configured to generate payment transaction element confirmation information to ensure consistency of payment transaction elements.
According to a fourth aspect of the present invention, there is provided an electronic device comprising: one or more processors; and a storage device for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method as described above.
According to a fifth aspect of the present invention there is provided a computer readable storage medium having stored thereon executable instructions which when executed by a processor cause the processor to perform a method as described above.
According to a sixth aspect of the present invention there is provided a computer program product comprising a computer program which, when executed by a processor, implements a method as described above.
One or more of the above embodiments have the following advantages or benefits: according to the secure payment method provided by the invention, the generated transaction verification element is scanned or input by a user through the mobile phone terminal and authorized to be verified at the issuing institution, so that the integrity and consistency of the transaction element in the transmission process can be ensured; in addition, the first client device is independent of the mobile terminal, and the generated information is safe and reliable and has the advantages of theft prevention, hijacking prevention, counterfeiting prevention and the like.
Drawings
The foregoing and other objects, features and advantages of the invention will be apparent from the following description of embodiments of the invention with reference to the accompanying drawings, in which:
fig. 1 schematically illustrates an application scenario diagram of a secure payment method, apparatus, device, medium according to an embodiment of the invention.
Fig. 2 schematically shows a flow chart of a secure payment method according to an embodiment of the invention.
Fig. 3A schematically shows an external configuration diagram of a first client device according to an embodiment of the present invention.
Fig. 3B schematically shows an internal circuit configuration diagram of the first client device according to an embodiment of the present invention.
Fig. 4 schematically shows a flow chart of a method of generating a target verification code according to an embodiment of the invention.
Fig. 5 schematically shows a structural diagram of a secure payment apparatus according to an embodiment of the present invention.
Fig. 6 schematically shows a block diagram of an electronic device adapted to implement a secure payment method according to an embodiment of the invention.
Detailed Description
Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. It should be understood that the description is only illustrative and is not intended to limit the scope of the invention. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the invention. It may be evident, however, that one or more embodiments may be practiced without these specific details. In addition, in the following description, descriptions of well-known structures and techniques are omitted so as not to unnecessarily obscure the present invention.
The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. The terms "comprises," "comprising," and/or the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.
All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It should be noted that the terms used herein should be construed to have meanings consistent with the context of the present specification and should not be construed in an idealized or overly formal manner.
Where expressions like at least one of "A, B and C, etc. are used, the expressions should generally be interpreted in accordance with the meaning as commonly understood by those skilled in the art (e.g.," a system having at least one of A, B and C "shall include, but not be limited to, a system having a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).
In the technical scheme of the invention, the acquisition, storage, application and the like of the related personal information of the user accord with the regulations of related laws and regulations, necessary security measures are taken, and the public order harmony is not violated.
First, technical terms described herein are explained and illustrated as follows.
Near field communication function (Near Field Communication, NFC): is a short-range wireless communication technology for short-range data transmission between two devices. NFC provides a secure communication channel by which the risk of eavesdropping or man-in-the-middle attacks can be reduced by closely transmitting data.
Two-dimensional code: the two-dimensional bar code is a bar code with readability in another dimension which is expanded on the basis of the one-dimensional bar code, binary data is identified by using a black-white rectangular pattern, and information contained in the binary data can be acquired after the binary data is scanned by equipment.
The Internet of things: refers to a network where the internet interconnects and communicates with various items (e.g., sensors, actuators, smart devices, etc.). Through the internet of things, intelligent interaction and information sharing between objects and people can be realized, so that various intelligent devices, sensors, actuators and the like cooperate with each other to form an intelligent system, and more intelligent, efficient and convenient service experience is provided.
With the development of mobile financial applications, mobile payment era has increasingly challenged mobile financial security while advocating user experience and convenience. Currently, each large mobile payment company faces the challenge, and mainly has the following two protection strategies: one is transaction protection based on a security chip; another is software-based security.
The mobile financial payment based on the security chip mainly comprises the following modes: the mobile phone is embedded with a payment application of a security chip, such as Apple Pay and other products, the security chip of the product is positioned on the mobile phone and is always in an on-line state under the condition of accessing a mobile network, the security of the product is completely dependent on a mobile terminal, and once the security of the terminal is not ensured, the terminal is hijacked, the risk of being controlled by malicious software exists; the other type is based on a safety chip device separated from the mobile phone, such as a mobile phone audio U shield, a dynamic cipher device and other products, and the mobile payment device is gradually abandoned by the majority of users due to great convenience of carrying the device in operation; the other type is mobile payment based on NFC bank card, the mode can provide guarantee for transaction safety in terms of medium authentication, but the safety risk of inputting PIN code in terms of verifying customer identity at mobile phone end has great challenges to the current technology.
The security protection based on software such as WeChat, payment treasured and the like APP generally provides protection through the forms of short message verification codes, two-dimensional codes, software password keyboards and the like by generating disposable transaction verification data on line, and reduces transaction risks through the forms of reducing payment quota, limiting effective time of the verification data and the like. Although the method brings convenience in a low-cost manner, the payment risk is reduced, and the security threat caused by software loopholes, mobile phone hijacking and the like still cannot be avoided.
Based on this, an embodiment of the present invention provides a secure payment method applied to a first client device, which is characterized in that the first client device includes a main control chip, a secure integrated chip and an NFC communication module, the secure integrated chip includes a secure chip, a mobile payment module, a display control module and a fingerprint identification module, and the method includes: responding to a transaction request, and acquiring fingerprint information of a user through the fingerprint identification module; user identification verification is carried out on the fingerprint information based on the security chip, and whether to continue the transaction is determined according to the result of the user identification verification; if the decision is made to continue the transaction, acquiring payment transaction data through the NFC communication module; verifying the integrity of the payment transaction data based on the security chip to obtain an integrity verification result; if the integrity verification result is passed, the mobile payment module generates payment authentication information according to the payment transaction data; based on the NFC communication module, sending the payment authentication information to a second client; generating payment transaction element confirmation information and a target verification code based on the main control chip, the mobile payment module and the display control module, so that a user confirms whether the transaction element confirmation information is wrong; if the verification is correct, the second client generates transaction information based on the target verification code and sends the transaction information to the server. According to the secure payment method provided by the invention, the generated transaction verification element is scanned or input by the user through the mobile phone terminal and authorized to be verified at the issuing institution, so that the integrity and consistency of the transaction element in the transmission process can be ensured; in addition, the first client device is independent of the mobile terminal, and the generated information is safe and reliable and has the advantages of theft prevention, hijacking prevention, counterfeiting prevention and the like.
It should be noted that the secure payment method, device, equipment and medium determined by the present invention can be used in the technical field of the internet of things, can also be used in the financial field, and can also be used in various fields other than the technical field of the internet of things and the financial field. The application fields of the secure payment method, the secure payment device, the secure payment equipment and the secure payment medium provided by the embodiment of the invention are not limited.
Fig. 1 schematically illustrates an application scenario diagram of a secure payment method, apparatus, device, medium according to an embodiment of the invention.
As shown in fig. 1, an application scenario 100 according to this embodiment may include terminal devices 101, 102, a network 103, and servers 104, 105. The network 103 is used as a medium to provide communication links between the terminal devices 101, 102 and the servers 104, 105. The network 103 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.
A user may interact with terminal device 102 using terminal device 101, and may communicate and exchange data over a network.
A user may interact with the servers 104, 105 via the network 103 using the terminal devices 101, 102 to receive or send messages or the like. Various communication client applications may be installed on the terminal devices 101, 102, such as shopping class applications, web browser applications, search class applications, instant messaging tools, mailbox clients, social platform software, and the like (just examples).
The terminal device 101 may be a first client device according to an embodiment of the present invention, and may also be various electronic devices that have a display screen and support web browsing, including but not limited to smart phones, tablet computers, laptop and desktop computers, and so on.
Terminal device 102 may be a variety of electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.
The servers 104, 105 may be servers providing various services, such as a background management server (by way of example only) that provides support for websites browsed by users using the terminal devices 101, 102. The background management server may analyze and process the received data such as the user request, and feed back the processing result (e.g., the web page, information, or data obtained or generated according to the user request) to the terminal device.
It should be noted that the secure payment method provided by the embodiment of the present invention may be generally executed by the server 105. Accordingly, the secure payment apparatus provided by the embodiment of the present invention may be generally disposed in the server 105. The secure payment method provided by the embodiments of the present invention may also be performed by a server or a server cluster that is different from the server 105 and is capable of communicating with the terminal devices 101, 102 and/or the server 105. Accordingly, the secure payment apparatus provided by the embodiment of the present invention may also be provided in a server or a server cluster, which is different from the server 105 and is capable of communicating with the terminal devices 101, 102 and/or the server 105.
It should be understood that the number of terminal devices, networks and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
The secure payment method according to the embodiment of the present invention will be described in detail with reference to fig. 2 to 4 based on the scenario described in fig. 1.
Fig. 2 schematically shows a flow chart of a secure payment method according to an embodiment of the invention.
In an embodiment of the present invention, the secure payment method 200 of this embodiment is applied to a first client device.
Fig. 3A schematically shows an external configuration diagram of a first client device according to an embodiment of the present invention.
As shown in fig. 3A, in an embodiment of the present invention, the external structure of the first client device 101 may include a display area 111 and a fingerprint recognition area 112.
According to an embodiment of the present invention, the first client device 101 is a bank card with a novel liquid metal composite material, wherein, in the display area 111, the display area 111 is disposed in the center of the first client device 101, and is used for displaying transaction element confirmation information and target verification codes, and the novel liquid metal composite material is disposed in a liquid metal layer (not shown in fig. 3A) disposed below the display area 111; a fingerprint recognition area 112 is provided at the lower right of the first client device 101 for recognizing fingerprint information of a user.
According to an embodiment of the invention, the liquid metal material used is a liquid metal composite. The material is a currently known material, and the morphological change of the material can be realized by controlling the temperature of different parts of the material, so that the transaction element confirmation information and the target verification code can be dynamically displayed. Specifically, gallium indium liquid alloy and silica gel may be included, wherein the gallium indium liquid alloy is from 31 st 2019, and a paper published by the institute of physical and chemical technology and the university of chinese academy of sciences and the university of chinese agriculture, in ACS Omega, journal of american chemical society, describes a completely new liquid metal composite material capable of realizing ultra-large scale expansion and deformation, including a highly deformable liquid metal composite material (LMC), which can be easily changed in shape greatly and restored to the original state as needed. The liquid metal mainly comprises 75.5% of gallium and 24.5% of indium, is dispersed in an uncured silicon elastomer, is selected as a key component of soft driving ethanol for realizing soft driving, realizes large volume change through a gas-liquid conversion mechanism, and is mixed with liquid ethanol (weight ratio), so that the liquid metal composite material is prepared. The liquid metal composite material can be reversibly deformed under thermal stimulation, and the shape of an object can be changed by embedding a programmable heating system and special design, and the whole process is reversible.
In the embodiment of the invention, the verification code has different appearances at different temperatures by utilizing the liquid metal composite material which is reversibly deformed under the heat stimulus, so that the complexity and the difficult counterfeiting of the verification code are increased.
Fig. 3B schematically shows an internal circuit configuration diagram of the first client device according to an embodiment of the present invention.
In the embodiment of the present invention, the internal circuit of the first client device includes a main control chip 221, a security integrated chip 222, an NFC communication module 223, a temperature sensing control module 224, and a self-generating pressing module 225, where the security integrated chip includes a security chip 2221, a mobile payment module 2222, a display control module 2223, and a fingerprint identification module 2224.
In the embodiment of the present invention, the main control chip 111 is configured to control the secure integrated chip 222, the NFC communication module 223, the temperature sensing control module 224, the self-generating pressing module 225, the secure chip 2221, the mobile payment module 2222, the display control module 2223, and the fingerprint identification module 2224 to implement corresponding functions.
In the embodiment of the present invention, the main control chip 221 controls each chip and module to implement respective functions through a communication interface with other chips. The general workflow is given below:
(1) The security integrated chip 222 is responsible for handling security related functions such as encryption and decryption, security authentication, etc. The main control chip can communicate with the security integrated chip through a serial interface (such as SPI and I2C), and sends instructions and receives processing results.
(2) The NFC communication module 223 is responsible for implementing NFC functionality, including communicating with a second client device. The main control chip 221 may communicate with the NFC communication module 223 through an interface such as UART or I2C to transmit NFC commands and transfer data.
(3) The temperature sensing control module 224 is used to monitor and control the temperature of the liquid metal zone. The main control chip 221 may communicate with the temperature sensing control module through an analog input or a digital interface (e.g., I2C), read temperature data or transmit control commands.
(4) The self-generating pressing module 225 may generate electric power by mechanical pressure for converting micro-planar motion generated by pressing of the user's finger into electric power and supplying the first client device 101 with electric power. Such a module would typically be connected to the main control chip 221 via a digital interface (e.g., GPIO) for detecting a compression event and a power signal. By using the self-generating pressing module 225, the energy-saving and environment-friendly effects can be achieved without replacing the battery.
(5) The security chip 2221 is used to store and process sensitive data, providing hardware-level security protection. The main control chip 221 communicates with the security chip 2221 through an interface such as an SPI or I2C, and performs encryption, data access, or authentication.
(6) The main control chip 221 implements fingerprint recognition through a communication interface with the fingerprint recognition module 2224. The main control chip 221 may transmit a fingerprint recognition instruction or request to the fingerprint recognition module 2224 and receive fingerprint data from the module. The main control chip 221 may compare or verify fingerprint data, and typically uses an interface such as SPI, I2C, or UART.
(7) The mobile payment module 2222 includes financial payment application information to generate payment related element signatures and media authentication information from transaction elements. The main control chip 221 can communicate with the mobile payment module through an I2C or SPI communication interface, and control generation of signature and authentication information.
(8) The display control module 2223 is configured to control the display of payment transaction element confirmation information, dynamic verification code and two-dimensional code information in the liquid metal display area. The main control chip 221 may communicate with the display control module through a display interface (such as SPI, I2C, LVDS) to send display data or control commands.
It should be noted that the types listed herein are only exemplary, and are not intended to limit the communication method between the main control chip and other chips in the embodiment of the present invention, that is, the communication method between the main control chip and other chips in the embodiment of the present invention may also include other methods.
As shown in fig. 2, the secure payment method 200 of this embodiment may include operations S210 to S270.
In operation S210, fingerprint information of the user is acquired through the fingerprint recognition module 2224 in response to the verification prompt information output from the display chip.
In the embodiment of the present invention, when the first client device 101 is used for the first time, initial fingerprint information of the user is collected through the fingerprint identification module 2224, and written into the security chip 2221 through the main control chip 221, so that the first client device 101 can perform identity verification in subsequent use.
In operation S220, user identification verification is performed on the fingerprint information based on the security chip 2221, and whether to continue the transaction is determined according to the result of the user identification verification.
In an embodiment of the present invention, the process of performing user identification verification on the fingerprint information may include: the fingerprint recognition module 2224 compares the fingerprint sample provided by the user with the fingerprint information stored in the security chip 2221, and then returns the authentication result to the main control chip 221.
In an embodiment of the present invention, to further ensure operation security, the process of deciding whether to continue the transaction according to the result of the user identification verification may further include: the main control chip 221 records the number of attempts of the user, if the verification fails, the main control chip 221 increases the number counter, and when the number of attempts reaches a certain limit, the main control chip 221 can take corresponding security measures, such as locking the transaction function.
In operation S230, if it is determined to continue the transaction, payment transaction data is acquired through the NFC communication module 223.
In an embodiment of the present invention, the NFC communication module 223 may obtain payment transaction data of the second client 102, which may specifically include: the NFC communication module 223 approaches to the second client 102, so that a wireless electric field between them is coupled, thereby establishing a communication connection; once the connection is established, communication may begin between the second client 102 and the first client 101, and common communication protocols include ISO/IEC14443 and ISO/IEC 18092, which define the format of data transmission, the structure of commands and responses, and the like; and the second client 102 may transmit payment transaction data to the first client 101 through the NFC communication module 223.
In operation S240, the integrity of the payment transaction data is verified based on the security chip 2221, and an integrity verification result is obtained.
In an embodiment of the present invention, the security chip 2221 verifies the validity of the signature using a corresponding algorithm, and based on the verification result of the signature, the security chip 2221 may generate an integrity verification result, indicating the integrity status of the payment transaction data, for use in subsequently determining the trustworthiness and authenticity of the transaction data.
In the embodiment of the present invention, keys for decryption and authentication, which can be used only by algorithms and functions inside the secure chip, may be stored in advance in the secure chip 2221, ensuring the security and credibility of the keys. The security chip uses the public key to verify the digital signature in the decrypted transaction data, and the security chip can verify the validity of the signature through an internal signature algorithm and the stored public key. If the signature verification passes, it indicates that the integrity of the transaction data has not been tampered with.
In operation S250, if the integrity verification result is passed, the mobile payment module 2222 generates payment authentication information according to the payment transaction data.
In the embodiment of the invention, the payment authentication information comprises payment related element signature and medium authentication information, such as a card number, a validity period and the like, and is used for authentication and verification in the payment process to ensure the security and the credibility of the transaction.
In an embodiment of the present invention, the mobile payment module 2222 may process the payment transaction data using a payment authentication algorithm to generate payment authentication information. The payment authentication algorithm may include security technologies such as encryption, hash functions, mathematical signatures, etc. to ensure confidentiality of payment transaction data, and may also involve operations such as formatting, processing, etc. of the data to ensure accuracy and legitimacy of the data.
In operation S260, the payment authentication information is transmitted to the second client based on the NFC communication module 223.
In operation S270, based on the main control chip 221, the mobile payment module 2222 and the display control module 2223, payment transaction element confirmation information and a target verification code are generated, so that the user confirms whether the transaction element confirmation information is incorrect; if the verification is correct, the second client 102 generates transaction information based on the target verification code and sends the transaction information to the server.
In an embodiment of the present invention, the payment transaction element confirmation information includes information such as an amount, time, order number, merchant number, etc.
In the embodiment of the invention, the payment element confirmation information is used for verifying the accuracy of the payment transaction, and by confirming the payment element, the key information related in the payment transaction can be ensured to be correct, so that errors or misoperation in the payment process are avoided.
In the embodiment of the invention, the target verification code comprises transaction verification code or two-dimensional code information, and is used for verifying the authenticity and legitimacy of the transaction.
In an embodiment of the present invention, the first client device 101 includes a temperature sensor control module 224, where the display control module 2223 includes N liquid metal display areas, and the temperature sensor control module is configured to adjust temperatures of the N liquid metal display areas, and the liquid metal display areas are configured to display a target verification code, where N is a positive integer.
Fig. 4 schematically shows a flow chart of a method of generating a target verification code according to an embodiment of the invention.
As shown in fig. 4, the method of generating the target verification code of this embodiment may include operations S410 to S440.
In operation S410, the main control chip 221 controls the temperature sensor control module 224 to obtain the initial state temperature of the liquid metal display area.
In the embodiment of the present invention, the main control chip 221 may obtain the initial state temperature of the liquid metal display area through the communication interface with the temperature sensor control module 224. The temperature sensor control module 224 may include one or more temperature sensors for measuring and monitoring the initial temperature of the entire liquid metal display area, and the temperature sensors transmit the measured temperature data to the main control chip 221, and the main control chip 221 uses the data as the initial state temperature of the liquid metal display area.
In operation S420, verification code information is generated based on the mobile payment module 2222, and the target display area of the liquid metal area is acquired based on the verification code information.
In an embodiment of the invention, the mobile payment module 2222 may generate verification code information, which may include payment transaction element validation information and randomly generated numbers, letters, or other forms of verification codes. The process of generating the verification code typically involves an algorithm and a random number generator.
Further, based on the generated verification code information, the main control chip 221 transmits a control instruction of the target display area of the liquid metal area through a communication interface with the display control module 2223. The target display area may be one or more specific locations or areas in the liquid metal display area.
In operation S430, a temperature of each of the N liquid metal display areas is controlled based on the initial state temperature and the target display area, and liquid metal deformation display information is generated.
In an embodiment of the present invention, the main control chip 221 may implement a corresponding deformation through the temperature of each of the N liquid metal display areas using a control algorithm and a temperature control module. The main control chip 221 may control the temperature of each region in the liquid metal display region according to the initial state temperature and the requirement of displaying the target display region, so that the region to be displayed reaches the critical temperature of the LMC material, and the LMC material deformed by heating displays corresponding information.
In an embodiment of the present invention, the liquid metal deformation display information describes deformation states of the plurality of liquid metal display areas after temperature control, and is capable of generating specific shapes, in particular, numbers (0-9) and/or letters (a-Z) may be generated for molding.
In operation S440, the target verification code is generated based on the liquid metal deformation display information.
In the embodiment of the invention, the main control chip can determine which position or area of the liquid metal display area the generated target verification code is displayed in according to the target display area in the liquid metal deformation display information. Specifically, the main control chip can use a predefined target verification code generation algorithm to generate a target verification code according to the deformation state and the position information in the liquid metal deformation display information. The algorithm may map the deformation state to a corresponding captcha character or image based on a particular mapping rule.
It should be noted that the generation of the target verification code may be affected by the deformation range and the limitation condition of the liquid metal. In the design process, the physical property, deformability and matching property of the liquid metal with the display area are required to be considered, so that the generated target verification code can be accurately displayed and meets the requirement of readability.
According to the embodiment of the invention, the use of the LMC material can provide higher security, prevent information leakage and fraudulent behavior and tamper and falsification of display information, thereby reducing the risk of illegal access of data; meanwhile, the LMC material has the characteristics of variable state and reversible process, and the deformation can be realized by controlling the temperature, so that the LMC material can be used as a dynamic display medium in the payment process, different verification codes or transaction information are displayed in real time according to different payment scenes and requirements, and the flexibility and the expandability of the payment equipment are improved.
The payment method provided by the embodiment of the invention has the following beneficial effects:
1. the transaction verification element generated by the payment method provided by the embodiment of the invention is scanned or input by a user through the mobile phone terminal and authorized to be verified at the issuing institution, so that the integrity and consistency of the transaction element in the transmission process can be ensured;
2. the payment method provided by the embodiment of the invention is independent of the mobile terminal, and the generated information is safe and reliable, and has the advantages of theft prevention, hijacking prevention, counterfeiting prevention and the like;
3. for the generated transaction element confirmation information, a user needs to scan or input through a mobile phone terminal and authorize and verify at an issuing institution, so that the integrity and consistency of the transaction element in the transmission process can be ensured;
4. The two-dimension code of the encryption information is further generated by the factors such as transaction amount, currency, card number and the like of a cardholder, and the mobile phone terminal can read the two-dimension code through code scanning, so that the two-dimension code transaction information cannot be decrypted even if the terminal is a non-secure transaction terminal, and the security protection can be provided for the transaction in any terminal environment;
5. for the payment method provided by the embodiment of the invention, the user only needs to touch the card and input the operation once, the operation process is very convenient, the convenience of the mobile payment is completely close to that of the pure software, and the optimal balance between the mobile payment safety and the convenience is achieved;
6. the verification code has different appearances at different temperatures by using the liquid metal composite material which is reversibly deformed under the heat stimulus, so that the complexity and the difficulty in counterfeiting of the verification code are increased.
Fig. 5 schematically shows a structural diagram of a secure payment apparatus according to an embodiment of the present invention.
The secure payment apparatus 500 according to an embodiment of the present invention includes: fingerprint identification module 510, security chip 520, NFC communication module 530, mobile payment module 540 and main control chip 550.
The fingerprint identification module 510 may be configured to obtain fingerprint information of a user in response to a transaction request. In an embodiment, the fingerprint identification module 510 may be configured to perform the operation S210 described above, which is not described herein.
The security chip 520 may be configured to perform user identification verification on the fingerprint information, determine whether to continue the transaction according to the result of the user identification verification, and verify the integrity of the payment transaction data to obtain an integrity verification result. In an embodiment, the security chip 520 may be used to perform operations S220 and S240 described above, which are not described herein.
The NFC communication module 530 may be configured to send the payment authentication information to the second client by acquiring payment transaction data through the NFC communication module if it is determined to continue the transaction, and also be configured to. In an embodiment, the NFC communication module 530 may be configured to perform operations S230 and S260 described above, which are not described herein.
The mobile payment module 540 may be configured to generate payment authentication information according to the payment transaction data if the integrity verification result is passed, and further configured to generate a target verification code together with the main control chip and the display control module, so that the second client generates transaction information based on the target verification code and sends the transaction information to the server. In an embodiment, the mobile payment module 540 may be used to perform the operations S250 and S270 described above, which are not described herein.
The main control chip 550 may be used to control the secure integrated chip, the NFC communication module, the secure chip, the mobile payment module, the display control module, and the fingerprint identification module to implement corresponding functions.
According to an embodiment of the present invention, the secure payment apparatus 500 further includes a temperature sensor control module, a target display area acquisition module, a liquid metal deformation display information generation module, and a target verification code generation module.
The temperature sensor control module can be used for obtaining the initial state temperature of the liquid metal display area under the control of the main control chip. In an embodiment, the temperature sensor control module may be used to perform operation S410 described above, which is not described herein.
The target display area obtaining module may be configured to generate verification code information based on the mobile payment module, and obtain a target display area of the liquid metal area based on the verification code information. In an embodiment, the target display area obtaining module may be configured to perform the operation S420 described above, which is not described herein.
The liquid metal deformation display information generating module may be configured to control a temperature of each of the N liquid metal display areas based on the initial state temperature and the target display area, and generate liquid metal deformation display information. In an embodiment, the liquid metal deformation display information generating module may be configured to perform the operation S430 described above, which is not described herein.
The target verification code generation module can be used for generating the target verification code based on the liquid metal deformation display information. In an embodiment, the target verification code generating module may be configured to perform the operation S440 described above, which is not described herein.
According to an embodiment of the present invention, any of the fingerprint recognition module 510, the security chip 520, the NFC communication module 530, the mobile payment module 540, and the main control chip 550 may be combined in one module to be implemented, or any of the modules may be split into a plurality of modules. Alternatively, at least some of the functionality of one or more of the modules may be combined with at least some of the functionality of other modules and implemented in one module. According to embodiments of the present disclosure, at least one of the fingerprint recognition module 510, the security chip 520, the NFC communication module 530, the mobile payment module 540, and the master chip 550 may be implemented at least in part as hardware circuitry, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in hardware or firmware in any other reasonable way of integrating or packaging the circuitry, or in any one of or a suitable combination of any of the three implementations of software, hardware, and firmware. Alternatively, at least one of the fingerprint recognition module 510, the security chip 520, the NFC communication module 530, the mobile payment module 540, and the main control chip 550 may be at least partially implemented as a computer program module, which may perform corresponding functions when being executed.
Fig. 6 schematically shows a block diagram of an electronic device adapted to implement a banking outlet customer behavior monitoring method performed by a server side according to an embodiment of the invention.
As shown in fig. 6, an electronic device 600 according to an embodiment of the present invention includes a processor 601 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 602 or a program loaded from a storage section 608 into a Random Access Memory (RAM) 603. The processor 601 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or an associated chipset and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), or the like. Processor 601 may also include on-board memory for caching purposes. Processor 601 may include a single processing unit or multiple processing units for performing the different actions of the method flows according to embodiments of the invention.
In the RAM 603, various programs and data necessary for the operation of the electronic apparatus 600 are stored. The processor 601, the ROM 602, and the RAM 603 are connected to each other through a bus 604. The processor 601 performs various operations of the method flow according to an embodiment of the present invention by executing programs in the ROM 602 and/or the RAM 603. Note that the program may be stored in one or more memories other than the ROM 602 and the RAM 603. The processor 601 may also perform various operations of the method flow according to embodiments of the present invention by executing programs stored in the one or more memories.
According to an embodiment of the invention, the electronic device 600 may also include an input/output (I/O) interface 605, the input/output (I/O) interface 605 also being connected to the bus 604. The electronic device 600 may also include one or more of the following components connected to the I/O interface 605: an input portion 606 including a keyboard, mouse, etc.; an output portion 607 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, a speaker, and the like; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The drive 610 is also connected to the I/O interface 605 as needed. Removable media 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is installed as needed on drive 610 so that a computer program read therefrom is installed as needed into storage section 608.
The present invention also provides a computer-readable storage medium that may be embodied in the apparatus/device/system described in the above embodiments; or may exist alone without being assembled into the apparatus/device/system. The computer-readable storage medium carries one or more programs which, when executed, implement methods in accordance with embodiments of the present invention.
According to embodiments of the present invention, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example, but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the invention, the computer-readable storage medium may include ROM 602 and/or RAM 603 and/or one or more memories other than ROM 602 and RAM 603 described above.
Embodiments of the present invention also include a computer program product comprising a computer program containing program code for performing the method shown in the flowcharts. The program code means for causing a computer system to carry out the methods provided by embodiments of the present invention when the computer program product is run on the computer system.
The above-described functions defined in the system/apparatus of the embodiment of the present invention are performed when the computer program is executed by the processor 601. The systems, apparatus, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the invention.
In one embodiment, the computer program may be based on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted, distributed in the form of signals over a network medium, and downloaded and installed via the communication section 609, and/or installed from the removable medium 611. The computer program may include program code that may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.
In such an embodiment, the computer program may be downloaded and installed from a network through the communication portion 609, and/or installed from the removable medium 611. The above-described functions defined in the system of the embodiment of the present invention are performed when the computer program is executed by the processor 601. The systems, devices, apparatus, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the invention.
According to embodiments of the present invention, program code for carrying out computer programs provided by embodiments of the present invention may be written in any combination of one or more programming languages, and in particular, such computer programs may be implemented in high-level procedural and/or object-oriented programming languages, and/or in assembly/machine languages. Programming languages include, but are not limited to, such as Java, c++, python, "C" or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of remote computing devices, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., connected via the Internet using an Internet service provider).
The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The embodiments of the present invention are described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present invention. Although the embodiments are described above separately, this does not mean that the measures in the embodiments cannot be used advantageously in combination. Various alternatives and modifications can be made by those skilled in the art without departing from the scope of the invention, and such alternatives and modifications are intended to fall within the scope of the invention.
Claims (13)
1. The safe payment method is applied to first client equipment and is characterized in that the first client equipment comprises a main control chip, a safe integrated chip and an NFC communication module, wherein the safe integrated chip comprises a safe chip, a mobile payment module, a display control module and a fingerprint identification module, and the method comprises the following steps:
responding to a transaction request, and acquiring fingerprint information of a user through the fingerprint identification module;
user identification verification is carried out on the fingerprint information based on the security chip, and whether to continue the transaction is determined according to the result of the user identification verification;
if the decision is made to continue the transaction, acquiring payment transaction data through the NFC communication module;
verifying the integrity of the payment transaction data based on the security chip to obtain an integrity verification result;
If the integrity verification result is passed, the mobile payment module generates payment authentication information according to the payment transaction data;
based on the NFC communication module, sending the payment authentication information to a second client; and
based on the main control chip, the mobile payment module and the display control module, generating payment transaction element confirmation information and a target verification code, so that a user confirms whether the transaction element confirmation information is wrong; if the verification is correct, the second client generates transaction information based on the target verification code and sends the transaction information to the server.
2. The method of claim 1, wherein the master control chip is configured to control the secure integrated chip, the NFC communication module, the secure chip, the mobile payment module, the display control module, and the fingerprint identification module to implement corresponding functions.
3. The method of claim 1, wherein the first client device comprises a temperature sensor control module, the display control module comprising N liquid metal display areas, the temperature sensor control module configured to adjust temperatures of the N liquid metal display areas, the liquid metal display areas configured to display a target verification code, wherein N is a positive integer.
4. The method of claim 3, wherein the generating the target verification code based on the main control chip, the mobile payment module and the display control module specifically comprises:
controlling the temperature sensor control module by the main control chip to acquire the initial state temperature of the liquid metal display area;
generating verification code information based on the mobile payment module, and acquiring a target display area of the liquid metal area based on the verification code information;
controlling the temperature of each of the N liquid metal display areas based on the initial state temperature and the target display area to generate liquid metal deformation display information; and
and generating the target verification code based on the liquid metal deformation display information.
5. A method according to claim 3 or 4, wherein the liquid metal display region comprises a deformable liquid metal composite material consisting of gallium and indium, capable of undergoing reversible deformation upon thermal stimulation.
6. The method of claim 1, wherein the first client device further comprises a self-generating press module integrally packaged with the fingerprint recognition module for converting planar motion generated by a user's finger press into electrical energy and powering the first client device.
7. The method of claim 1, wherein the payment transaction element confirmation information includes an amount, time, order number, or merchant number for verifying the accuracy of the payment transaction; the target verification code comprises transaction verification code or two-dimensional code information and is used for verifying the authenticity and legitimacy of the transaction.
8. The method of claim 1, 2, 3, 4, 6, or 7, further comprising:
when the first client device is used for the first time, initial fingerprint information of a user is collected through the fingerprint identification module, and the initial fingerprint information is written into the security chip through the main control chip.
9. A secure payment device, the device comprising:
fingerprint identification module for: responding to the transaction request, and acquiring fingerprint information of a user;
a security chip for: user identification verification is carried out on the fingerprint information, and whether to continue the transaction is determined according to the user identification verification result;
NFC communication module for: if the decision is made to continue the transaction, acquiring payment transaction data through the NFC communication module;
a mobile payment module for: if the integrity verification result is passed, the mobile payment module generates payment authentication information according to the payment transaction data;
The main control chip is used for controlling the safety integrated chip, the NFC communication module, the safety chip, the mobile payment module, the display control module and the fingerprint identification module to realize corresponding functions;
the security chip is further used for verifying the integrity of the payment transaction data to obtain an integrity verification result; the NFC communication module is further used for sending the payment authentication information to a second client; the mobile payment module is also used for generating a target verification code together with the main control chip and the display control module, so that the second client generates transaction information based on the target verification code and sends the transaction information to the server.
10. The client device is characterized by comprising a main control chip, a security integrated chip, a temperature sensor control module and an NFC communication module, wherein the security integrated chip comprises a security chip, a mobile payment module, a display control module and a fingerprint identification module, and the client device is used for generating payment transaction element confirmation information so as to ensure the consistency of payment transaction elements.
11. An electronic device, comprising:
one or more processors;
storage means for storing one or more programs,
Wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method of any of claims 1-8.
12. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to perform the method according to any of claims 1-8.
13. A computer program product comprising a computer program which, when executed by a processor, implements the method according to any one of claims 1 to 8.
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| CN117593011A (en) * | 2024-01-18 | 2024-02-23 | 深圳市金百锐通信科技有限公司 | Secure payment method, device and equipment in mobile payment |
| CN117593011B (en) * | 2024-01-18 | 2024-04-30 | 深圳市金百锐通信科技有限公司 | Secure payment method, device and equipment in mobile payment |
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