WO2016165171A1 - 用于移动终端的近场支付方法、装置和移动终端 - Google Patents

用于移动终端的近场支付方法、装置和移动终端 Download PDF

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Publication number
WO2016165171A1
WO2016165171A1 PCT/CN2015/078088 CN2015078088W WO2016165171A1 WO 2016165171 A1 WO2016165171 A1 WO 2016165171A1 CN 2015078088 W CN2015078088 W CN 2015078088W WO 2016165171 A1 WO2016165171 A1 WO 2016165171A1
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mobile terminal
near field
field payment
payment
user
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PCT/CN2015/078088
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English (en)
French (fr)
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梁维伟
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宇龙计算机通信科技(深圳)有限公司
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Publication of WO2016165171A1 publication Critical patent/WO2016165171A1/zh

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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
    • 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
    • G06Q20/326—Payment applications installed on the mobile devices

Definitions

  • the present invention relates to the field of mobile payment technologies, and in particular, to a near field payment method for a mobile terminal, a near field payment device for a mobile terminal, and a mobile terminal.
  • near-field payment is non-contact IC (Integrated Circuit) card, such as bus card, school Campus card, meal card, etc.
  • IC Integrated Circuit
  • the contactless IC card is mainly composed of three parts: an antenna, an MPU (Microprocessor Unit), and a Flash-ROM (flash memory).
  • the MPU and the Flash-ROM are packaged in the same chip, which is the core of the entire IC card.
  • the MPU is responsible for encrypting, decrypting, analyzing and controlling the storage of data received by the antenna
  • the Flash-ROM is a storage medium for storing encrypted data.
  • An IC card is like a small terminal device that can process, calculate, store, and exchange data with the outside.
  • the whole workflow of the IC card is as follows: the card reader emits electromagnetic waves in real time.
  • the antenna receives the electromagnetic wave.
  • the essence of the electromagnetic wave is the alternating electric field and the magnetic field, and the changing magnetic field is Current is generated in a closed loop composed of an antenna, an MPU, and a Flash-ROM. This current provides energy to the MPU and simultaneously loads some form of data information.
  • the MPU synchronizes with the card reader first, and obtains the identity data of the IC card from the Flash-ROM, and performs verification with the card reader. After the verification is completed, the data in the Flash-ROM is operated. After the operation is successful, the data is sent to the card reader, and the card reader displays the related information to the user.
  • a scheme for integrating an IC card with a terminal has been proposed in the related art, such as embedding an IC card into a SIM card or placing it on a casing of the terminal.
  • the IC card has been largely integrated with the terminal, it is still a simple way of hardware consolidation, the operating system of the terminal. There is no connection between the IC card and the IC card. Since the contactless IC card is a passive card, the feature of making the most payment is quick and convenient, but the security is weak. And since the conventional IC card itself has no power supply, it is impossible to implement security settings through its own control circuit.
  • the invention is based on at least one of the above technical problems, and proposes a new near field payment scheme for a mobile terminal, which can effectively improve the security of near field payment while ensuring the convenience of near field payment. .
  • the present invention provides a near field payment method for a mobile terminal, comprising: determining whether a payment is completed by the near field payment function within a predetermined time after activating the near field payment function of the mobile terminal If the payment is not completed within the predetermined time, the near field payment function of the mobile terminal is turned off.
  • the near-field payment function of the mobile terminal since the near-field payment function of the mobile terminal is currently not activated after the startup, there may be a problem of being maliciously stolen, and therefore, when determining that the payment is not completed within a predetermined time, the near field of the mobile terminal is closed.
  • the payment function can avoid the problem of the stolen brush caused by the loss of the mobile terminal, and effectively ensures the security of the mobile terminal when using the near field payment function.
  • the user can set the predetermined time mentioned above according to the actual situation, such as setting to 1 minute.
  • the step of determining whether to activate the near field payment function of the mobile terminal comprises: when receiving an instruction issued by the user to enable the near field payment function of the mobile terminal, to the user The identity is verified; and after the authentication of the user is passed, it is determined that the near field payment function of the mobile terminal needs to be activated.
  • the identity of the user is verified by verifying the authentication information entered by the user and/or the collected identification information of the user.
  • the authentication information input by the user includes: inputting password information by using a physical button or a virtual button; and the collected identification information of the user includes: fingerprint information of the user, voiceprint information, face image information, and the like.
  • the method further includes: if the payment is completed within the predetermined time, turning off the near field payment function of the mobile terminal while completing the payment.
  • the mobile terminal is provided with a near field payment circuit, and the near field payment circuit is connected in series with the electronic switch, and the opening or closing of the electronic switch is controlled to open or close the The near field payment function of the mobile terminal.
  • a near field payment apparatus for a mobile terminal comprising: a determining unit, configured to determine whether to pass the predetermined time after starting the near field payment function of the mobile terminal The near field payment function completes the payment; the control unit is configured to close the near field payment function of the mobile terminal when the determining unit determines that the payment is not completed within the predetermined time.
  • the near-field payment function of the mobile terminal since the near-field payment function of the mobile terminal is currently not activated after the startup, there may be a problem of being maliciously stolen, and therefore, when determining that the payment is not completed within a predetermined time, the near field of the mobile terminal is closed.
  • the payment function can avoid the problem of the stolen brush caused by the loss of the mobile terminal, and effectively ensures the security of the mobile terminal when using the near field payment function.
  • the user can set the predetermined time mentioned above according to the actual situation, such as setting to 1 minute.
  • the method further includes: an identity verification unit, configured to verify the identity of the user when receiving an instruction issued by the user to enable the near field payment function of the mobile terminal, and After the user's identity verification is passed, it is determined that the near field payment function of the mobile terminal needs to be activated.
  • an identity verification unit configured to verify the identity of the user when receiving an instruction issued by the user to enable the near field payment function of the mobile terminal, and After the user's identity verification is passed, it is determined that the near field payment function of the mobile terminal needs to be activated.
  • the identity verification unit is specifically configured to: The authentication information entered by the user and/or the collected identification information of the user are verified to verify the identity of the user.
  • the authentication information input by the user includes: inputting password information by using a physical button or a virtual button; and the collected identification information of the user includes: fingerprint information of the user, voiceprint information, face image information, and the like.
  • control unit is further configured to: if the payment is completed within the predetermined time, turn off the near field payment function of the mobile terminal while completing the payment.
  • the mobile terminal is provided with a near field payment circuit, and the near field payment circuit is connected in series with the electronic switch, and the control unit is specifically configured to: control the opening of the electronic switch Or off to turn on or off the near field payment function of the mobile terminal.
  • a mobile terminal comprising a communication bus, a transceiver, a memory, and a processor, wherein:
  • the communication bus is configured to implement connection communication between the transceiver device, the memory, and the processor;
  • the program stores a set of program codes, and the processor calls program code stored in the memory to perform the following operations:
  • the processor is configured to determine, after starting the near field payment function of the mobile terminal, whether the payment is completed by the near field payment function within a predetermined time;
  • the processor is further configured to close the near field payment function of the mobile terminal if the payment is not completed within the predetermined time.
  • the step of the processor determining whether to activate the near field payment function of the mobile terminal specifically includes:
  • the receiving device is configured to verify the identity of the user when receiving an instruction issued by the user to enable the near field payment function of the mobile terminal, and determine that the identity is required after the identity verification of the user is passed.
  • the near field payment function of the mobile terminal is activated.
  • the processor further performs the following steps:
  • the near field payment function of the mobile terminal is turned off while the payment is completed.
  • the mobile terminal is provided with a near field payment circuit, and the near field payment circuit is connected in series with the electronic switch, and the processor is further configured to perform the following steps:
  • the near field payment function of the mobile terminal is turned on or off by controlling the opening or closing of the electronic switch.
  • the security of near-field payment can be effectively improved under the premise of ensuring the convenience of near-field payment.
  • FIG. 1 shows a schematic flow chart of a near field payment method for a mobile terminal in accordance with an embodiment of the present invention
  • FIG. 2 shows a schematic block diagram of a near field payment device for a mobile terminal in accordance with an embodiment of the present invention
  • FIG. 3 is a schematic diagram showing the circuit structure of a near field payment according to an embodiment of the present invention.
  • FIG. 4 shows a schematic flow chart of a mobile payment method according to an embodiment of the present invention
  • FIG. 5 shows a schematic structural diagram of a mobile terminal according to an embodiment of the present invention.
  • FIG. 1 shows a schematic flow chart of a near field payment method for a mobile terminal in accordance with an embodiment of the present invention.
  • a near field payment method for a mobile terminal includes: Step 102, after starting a near field payment function of the mobile terminal, determining whether the The near field payment function completes the payment; in step 104, if the payment is not completed within the predetermined time, the near field payment function of the mobile terminal is turned off.
  • the near-field payment function of the mobile terminal since the near-field payment function of the mobile terminal is currently not activated after the startup, there may be a problem of being maliciously stolen, and therefore, when determining that the payment is not completed within a predetermined time, the near field of the mobile terminal is closed.
  • the payment function can avoid the problem of the stolen brush caused by the loss of the mobile terminal, and effectively ensures the security of the mobile terminal when using the near field payment function.
  • the user can set the predetermined time mentioned above according to the actual situation, such as setting to 1 minute.
  • the step of determining whether to activate the near field payment function of the mobile terminal comprises: when receiving an instruction issued by the user to enable the near field payment function of the mobile terminal, to the user The identity is verified; and after the authentication of the user is passed, it is determined that the near field payment function of the mobile terminal needs to be activated.
  • the identity of the user is verified by verifying the authentication information entered by the user and/or the collected identification information of the user.
  • the authentication information input by the user includes: inputting password information by using a physical button or a virtual button; and the collected identification information of the user includes: fingerprint information of the user, voiceprint information, face image information, and the like.
  • the method further includes: if the payment is completed within the predetermined time, turning off the near field payment function of the mobile terminal while completing the payment.
  • the mobile terminal is provided with a near field payment circuit, and the near field payment circuit is connected in series with the electronic switch, by controlling the opening of the electronic switch Or off to turn on or off the near field payment function of the mobile terminal.
  • FIG. 2 shows a schematic block diagram of a near field payment device for a mobile terminal in accordance with an embodiment of the present invention.
  • a near field payment device 200 for a mobile terminal includes a judging unit 202 and a control unit 204.
  • the determining unit 202 is configured to: after starting the near field payment function of the mobile terminal, determine whether the payment is completed by the near field payment function within a predetermined time; the control unit 204 is configured to determine at the determining unit 202 When the payment is not completed within the predetermined time, the near field payment function of the mobile terminal is turned off.
  • the near-field payment function of the mobile terminal since the near-field payment function of the mobile terminal is currently not activated after the startup, there may be a problem of being maliciously stolen, and therefore, when determining that the payment is not completed within a predetermined time, the near field of the mobile terminal is closed.
  • the payment function can avoid the problem of the stolen brush caused by the loss of the mobile terminal, and effectively ensures the security of the mobile terminal when using the near field payment function.
  • the user can set the predetermined time mentioned above according to the actual situation, such as setting to 1 minute.
  • the method further includes: an identity verification unit 206, configured to verify the identity of the user when receiving an instruction issued by the user to enable the near field payment function of the mobile terminal, and After the authentication of the user is passed, it is determined that the near field payment function of the mobile terminal needs to be activated.
  • an identity verification unit 206 configured to verify the identity of the user when receiving an instruction issued by the user to enable the near field payment function of the mobile terminal, and After the authentication of the user is passed, it is determined that the near field payment function of the mobile terminal needs to be activated.
  • the identity verification unit 206 is configured to: verify the authentication information entered by the user and/or the collected identification information of the user, to the user Identity is verified.
  • the authentication information input by the user includes: inputting password information by using a physical button or a virtual button; and the collected identification information of the user includes: fingerprint information of the user, voiceprint information, face image information, and the like.
  • control unit 204 is further configured to: if The payment is completed within a fixed time, and the near field payment function of the mobile terminal is turned off while the payment is completed.
  • the mobile terminal is provided with a near field payment circuit, and the near field payment circuit is connected in series with the electronic switch, and the control unit 204 is specifically configured to: by controlling the electronic switch Turning on or off to enable or disable the near field payment function of the mobile terminal.
  • the present invention also proposes a mobile terminal (not shown) comprising: a near field payment device 200 for a mobile terminal as shown in FIG.
  • the mobile terminal is taken as an example of a mobile phone, and the technical solution of the present invention is described in detail with reference to FIG. 3 and FIG. 4.
  • the invention provides a non-contact IC security payment method based on short-term authentication, which mainly proposes an auxiliary control of a traditional non-contact IC card circuit through a mobile phone, so as to achieve the purpose of improving the security of mobile payment, and the basic The principle is as follows:
  • the non-contact IC card circuit is built into the mobile phone (main board, back cover or other parts); at the same time, an electronic switch is added to the conventional circuit, and the opening and relationship of the switch is controlled by the application of the mobile terminal.
  • the payment program is started to perform identity verification. After the verification is passed, the electronic switch is turned on for a fixed time (for example, 1 minute); if the user completes the payment within a fixed time, the control electronic switch automatically starts when the payment is completed. Off; if the user does not pay within a fixed time, the electronic switch will automatically turn off.
  • the circuit of the near field payment proposed by the present invention mainly adds an electronic switch to the traditional non-contact IC card circuit, and is controlled by the mobile phone end application program and the corresponding control circuit to pay for the airport. Provide short-term effective time to achieve the purpose of secure payment control.
  • a mobile payment method includes:
  • step 402 the user needs to make a mobile payment. If the user opens an application that requires mobile payment.
  • Step 404 The mobile terminal starts an identity authentication interface.
  • step 406 the user inputs authentication information. For example, enter password verification information through physical buttons, virtual buttons on the interface, or enter fingerprints.
  • step 408 it is determined whether the user passes the authentication. If yes, step 410 is performed; otherwise, the process ends.
  • determining whether the user is authenticated or not is determined by comparing the collected information with the saved information, for example, by fingerprint identification, the fingerprint identifier of the mobile phone collects the fingerprint information of the user, and the storage library of the mobile phone end
  • the fingerprint information in the comparison is the authentication process.
  • the password verification interface is started by the application on the mobile terminal, and the user needs to manually input a valid password, which is also an authentication process.
  • step 410 the control electronic switch is closed, and the non-contact IC card circuit is valid.
  • step 412 it is determined whether the electronic switch closing time has expired. If yes, step 416 is performed; otherwise, step 414 is performed.
  • step 414 it is determined whether the payment is completed. If yes, step 416 is performed; otherwise, step 412 is returned.
  • step 416 the control electronic switch is turned off, and the non-contact IC card circuit is disabled.
  • the above technical solution of the invention has a built-in non-contact IC card on the mobile phone end, and corresponding security control is performed through the mobile phone end, which not only ensures the fast and convenient payment process of the traditional IC card, but also improves the security of the payment process.
  • FIG. 5 shows a schematic structural diagram of a mobile terminal according to an embodiment of the present invention.
  • the terminal may include at least one transceiver 503, at least one processor 501, such as a CPU, a memory 504, and at least one communication bus 502.
  • the communication bus 502 is configured to connect the transceiver 503, the processor 501, and the memory 504.
  • the above memory 504 may be a high speed RAM memory or a non-volatile memory such as a disk memory.
  • the memory 504 is further configured to store a set of program codes, and the transceiver 503 and the processor 501 are configured to call the program code stored in the memory 504, and perform the following operations:
  • the processor 501 is configured to determine, after starting the near field payment function of the mobile terminal, whether the payment is completed by the near field payment function within a predetermined time;
  • the processor 501 is further configured to close the near field payment function of the mobile terminal if the payment is not completed within the predetermined time.
  • the step of the processor 501 determining whether to activate the near field payment function of the mobile terminal specifically includes:
  • the transceiver 503 is configured to verify the identity of the user when receiving an instruction issued by the user to enable the near field payment function of the mobile terminal, and after determining the identity verification of the user, determine The near field payment function of the mobile terminal needs to be activated.
  • the processor 501 further performs the following steps:
  • the near field payment function of the mobile terminal is turned off while the payment is completed.
  • the mobile terminal is provided with a near field payment circuit, and the near field payment circuit is connected in series with the electronic switch, and the processor 501 is further configured to perform the following steps:
  • the near field payment function of the mobile terminal is turned on or off by controlling the opening or closing of the electronic switch.
  • the technical solution of the present invention is described in detail above with reference to the accompanying drawings.
  • the present invention proposes a new near field payment scheme for a mobile terminal, which can effectively improve the near field payment while ensuring the convenience of near field payment. Security.

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Abstract

本发明提供了一种用于移动终端的近场支付方法、装置和移动终端，其中，用于移动终端的近场支付方法，包括：在启动所述移动终端的近场支付功能后，判断在预定时间内是否通过所述近场支付功能完成支付；若在所述预定时间内未完成支付，则关闭所述移动终端的近场支付功能。通过本发明的技术方案，可以在确保近场支付的便捷性的前提下，有效提高了近场支付的安全性。

Description

用于移动终端的近场支付方法、装置和移动终端
本申请要求于2015年4月14日提交中国专利局、申请号为201510175104.0，发明名称为“用于移动终端的近场支付方法、装置和移动终端”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及移动支付技术领域，具体而言，涉及一种用于移动终端的近场支付方法、一种用于移动终端的近场支付装置和一种移动终端。
背景技术
随着移动通信技术的发展，移动支付，尤其是近场支付得到了广泛普及，其中，近场支付最典型的使用场景是非接触式IC(Integrated Circuit，集成电路)卡，例如公交卡、学校的校园卡、饭卡等。
非接触式IC卡主要由三个部分组成：天线、MPU(Microprocessor Unit，微处理器)和Flash-ROM(闪存)。其中，MPU与Flash-ROM被封装于同一芯片内，是整个IC卡的核心。MPU负责将天线接收到的信号进行加解密、分析并控制数据的存储，而Flash-ROM就是存储介质，用于存储加密数据。IC卡就如同一个小型的终端设备，能够进行数据的处理、计算、存储并与外部进行数据交换。
IC卡的整个工作流程如下：读卡器实时发射电磁波，当IC卡进入到电磁波的有效范围内时，天线就会接收到电磁波，电磁波的实质就是电场与磁场的交变，而变化的磁场则会在天线、MPU和Flash-ROM组成的闭合回路里产生电流。该电流为MPU提供能源并同时加载一定形式的数据信息。MPU先与读卡机同步，从Flash-ROM中取得IC卡的身份资料，与读卡机进行验证。验证完成后，对Flash-ROM内的数据进行操作，操作成功后向读卡器发送数据，由读卡器向使用者显示相关信息。
目前，相关技术中已经提出了将IC卡与终端进行整合的方案，如将IC卡内置到SIM卡中，或者放置到终端的外壳上。虽然IC卡已经和终端在很大程度上做了整合，但是目前仍然是一种简单的硬件合并的方式，终端的操作*** 与IC卡之间并无任何关联。由于非接触式IC卡属于被动卡片，采用其进行支付最大的特点是快速便捷性，但安全性较弱。并且由于传统的IC卡自身是没有电源供给的，因此无法通过自身的控制电路实现安全设置。
因此，如何能够在保证近场支付的便捷性的前提下，提高近场支付的安全性成为亟待解决的技术问题。
发明内容
本发明正是基于上述技术问题至少之一，提出了一种新的用于移动终端的近场支付方案，可以在确保近场支付的便捷性的前提下，有效提高了近场支付的安全性。
有鉴于此，本发明提出了一种用于移动终端的近场支付方法，包括：在启动所述移动终端的近场支付功能后，判断在预定时间内是否通过所述近场支付功能完成支付；若在所述预定时间内未完成支付，则关闭所述移动终端的近场支付功能。
在该技术方案中，由于目前移动终端的近场支付功能在启动后，没有任何限制，可能存在被恶意盗刷的问题，因此通过确定在预定时间内未完成支付时，关闭移动终端的近场支付功能，可以避免移动终端丢失而造成被盗刷的问题，有效保证了移动终端在使用近场支付功能时的安全性。其中，用户可以根据实际情况设置上述的预定时间，如设置为1分钟等。
在上述技术方案中，优选地，判断是否启动所述移动终端的近场支付功能的步骤具体包括：在接收到用户发出的开启所述移动终端的近场支付功能的指令时，对所述用户的身份进行验证；以及在对所述用户的身份验证通过之后，确定需要启动所述移动终端的近场支付功能。
在该技术方案中，通过在接收到用户发出的开启移动终端的近场支付功能的指令时，对用户的身份进行验证，使得能够有效避免非法用户盗用移动终端的近场支付而造成用户的损失，保证了移动终端在使用近场支付功能时的安全性。
在上述技术方案中，优选地，通过对所述用户录入的鉴权信息和/或采集到的所述用户的标识信息进行验证，以对所述用户的身份进行验证。
其中，用户录入的鉴权信息包括：通过物理按键或虚拟按键输入密码信息等；采集到的用户的标识信息包括：用户的指纹信息、声纹信息，人脸图像信息等。
在上述技术方案中，优选地，还包括：若在所述预定时间内完成支付，则在完成支付的同时关闭所述移动终端的近场支付功能。
在该技术方案中，通过在完成支付的同时关闭移动终端的近场支付功能，使得能够避免继续开启近场支付功能而导致非法用户盗用移动终端的近场支付。
在上述技术方案中，优选地，所述移动终端上设置有近场支付电路，所述近场支付电路与电子开关串联连接，则通过控制所述电子开关的开启或关闭，以开启或关闭所述移动终端的近场支付功能。
根据本发明的另一方面，还提出了一种用于移动终端的近场支付装置，包括：判断单元，用于在启动所述移动终端的近场支付功能后，判断在预定时间内是否通过所述近场支付功能完成支付；控制单元，用于在所述判断单元判定在所述预定时间内未完成支付时，关闭所述移动终端的近场支付功能。
在该技术方案中，由于目前移动终端的近场支付功能在启动后，没有任何限制，可能存在被恶意盗刷的问题，因此通过确定在预定时间内未完成支付时，关闭移动终端的近场支付功能，可以避免移动终端丢失而造成被盗刷的问题，有效保证了移动终端在使用近场支付功能时的安全性。其中，用户可以根据实际情况设置上述的预定时间，如设置为1分钟等。
在上述技术方案中，优选地，还包括：身份验证单元，用于在接收到用户发出的开启所述移动终端的近场支付功能的指令时，对所述用户的身份进行验证，并在对所述用户的身份验证通过之后，确定需要启动所述移动终端的近场支付功能。
在该技术方案中，通过在接收到用户发出的开启移动终端的近场支付功能的指令时，对用户的身份进行验证，使得能够有效避免非法用户盗用移动终端的近场支付而造成用户的损失，保证了移动终端在使用近场支付功能时的安全性。
在上述技术方案中，优选地，所述身份验证单元具体用于：通过对所述用 户录入的鉴权信息和/或采集到的所述用户的标识信息进行验证，以对所述用户的身份进行验证。
其中，用户录入的鉴权信息包括：通过物理按键或虚拟按键输入密码信息等；采集到的用户的标识信息包括：用户的指纹信息、声纹信息，人脸图像信息等。
在上述技术方案中，优选地，所述控制单元还用于：若在所述预定时间内完成支付，则在完成支付的同时关闭所述移动终端的近场支付功能。
在该技术方案中，通过在完成支付的同时关闭移动终端的近场支付功能，使得能够避免继续开启近场支付功能而导致非法用户盗用移动终端的近场支付。
在上述技术方案中，优选地，所述移动终端上设置有近场支付电路，所述近场支付电路与电子开关串联连接，则所述控制单元具体用于：通过控制所述电子开关的开启或关闭，以开启或关闭所述移动终端的近场支付功能。
根据本发明的又一方面，还提出了一种移动终端，所述移动终端包括通信总线、收发装置、存储器以及处理器，其中：
所述通信总线，用于实现所述收发装置、所述存储器以及所述处理器之间的连接通信；
所述存储器中存储一组程序代码，且所述处理器调用所述存储器中存储的程序代码，用于执行以下操作：
所述处理器，用于在启动所述移动终端的近场支付功能后，判断在预定时间内是否通过所述近场支付功能完成支付；
所述处理器，还用于若在所述预定时间内未完成支付，则关闭所述移动终端的近场支付功能。
在上述技术方案中，优选地，所述处理器判断是否启动所述移动终端的近场支付功能的步骤具体包括：
在所述收发装置用于在接收到用户发出的开启所述移动终端的近场支付功能的指令时，对所述用户的身份进行验证，并在对所述用户的身份验证通过之后，确定需要启动所述移动终端的近场支付功能。
在上述技术方案中，优选地，所述处理器还执行如下步骤：
若在所述预定时间内完成支付，则在完成支付的同时关闭所述移动终端的近场支付功能。
在上述技术方案中，优选地，所述移动终端上设置有近场支付电路，所述近场支付电路与电子开关串联连接，则所述处理器还用于执行如下步骤：
通过控制所述电子开关的开启或关闭，以开启或关闭所述移动终端的近场支付功能。
通过以上技术方案，可以在确保近场支付的便捷性的前提下，有效提高了近场支付的安全性。
附图说明
图1示出了根据本发明的实施例的用于移动终端的近场支付方法的示意流程图；
图2示出了根据本发明的实施例的用于移动终端的近场支付装置的示意框图；
图3示出了根据本发明的实施例的近场支付的电路结构示意图；
图4示出了根据本发明的实施例的移动支付方法的示意流程图；
图5示出了根据本发明的实施例的移动终端的结构示意图。
具体实施方式
为了能够更清楚地理解本发明的上述目的、特征和优点，下面结合附图和具体实施方式对本发明进行进一步的详细描述。需要说明的是，在不冲突的情况下，本申请的实施例及实施例中的特征可以相互组合。
在下面的描述中阐述了很多具体细节以便于充分理解本发明，但是，本发明还可以采用其他不同于在此描述的其他方式来实施，因此，本发明的保护范围并不受下面公开的具体实施例的限制。
图1示出了根据本发明的实施例的用于移动终端的近场支付方法的示意流程图。
如图1所示，根据本发明的实施例的用于移动终端的近场支付方法，包括：步骤102，在启动所述移动终端的近场支付功能后，判断在预定时间内是否通过所述近场支付功能完成支付；步骤104，若在所述预定时间内未完成支付，则关闭所述移动终端的近场支付功能。
在该技术方案中，由于目前移动终端的近场支付功能在启动后，没有任何限制，可能存在被恶意盗刷的问题，因此通过确定在预定时间内未完成支付时，关闭移动终端的近场支付功能，可以避免移动终端丢失而造成被盗刷的问题，有效保证了移动终端在使用近场支付功能时的安全性。其中，用户可以根据实际情况设置上述的预定时间，如设置为1分钟等。
在上述技术方案中，优选地，判断是否启动所述移动终端的近场支付功能的步骤具体包括：在接收到用户发出的开启所述移动终端的近场支付功能的指令时，对所述用户的身份进行验证；以及在对所述用户的身份验证通过之后，确定需要启动所述移动终端的近场支付功能。
在该技术方案中，通过在接收到用户发出的开启移动终端的近场支付功能的指令时，对用户的身份进行验证，使得能够有效避免非法用户盗用移动终端的近场支付而造成用户的损失，保证了移动终端在使用近场支付功能时的安全性。
在上述技术方案中，优选地，通过对所述用户录入的鉴权信息和/或采集到的所述用户的标识信息进行验证，以对所述用户的身份进行验证。
其中，用户录入的鉴权信息包括：通过物理按键或虚拟按键输入密码信息等；采集到的用户的标识信息包括：用户的指纹信息、声纹信息，人脸图像信息等。
在上述技术方案中，优选地，还包括：若在所述预定时间内完成支付，则在完成支付的同时关闭所述移动终端的近场支付功能。
在该技术方案中，通过在完成支付的同时关闭移动终端的近场支付功能，使得能够避免继续开启近场支付功能而导致非法用户盗用移动终端的近场支付。
在上述技术方案中，优选地，所述移动终端上设置有近场支付电路，所述近场支付电路与电子开关串联连接，则通过控制所述电子开关的开启 或关闭，以开启或关闭所述移动终端的近场支付功能。
图2示出了根据本发明的实施例的用于移动终端的近场支付装置的示意框图。
如图2所示，根据本发明的实施例的用于移动终端的近场支付装置200，包括：判断单元202和控制单元204。
其中，判断单元202，用于在启动所述移动终端的近场支付功能后，判断在预定时间内是否通过所述近场支付功能完成支付；控制单元204，用于在所述判断单元202判定在所述预定时间内未完成支付时，关闭所述移动终端的近场支付功能。
在该技术方案中，由于目前移动终端的近场支付功能在启动后，没有任何限制，可能存在被恶意盗刷的问题，因此通过确定在预定时间内未完成支付时，关闭移动终端的近场支付功能，可以避免移动终端丢失而造成被盗刷的问题，有效保证了移动终端在使用近场支付功能时的安全性。其中，用户可以根据实际情况设置上述的预定时间，如设置为1分钟等。
在上述技术方案中，优选地，还包括：身份验证单元206，用于在接收到用户发出的开启所述移动终端的近场支付功能的指令时，对所述用户的身份进行验证，并在对所述用户的身份验证通过之后，确定需要启动所述移动终端的近场支付功能。
在该技术方案中，通过在接收到用户发出的开启移动终端的近场支付功能的指令时，对用户的身份进行验证，使得能够有效避免非法用户盗用移动终端的近场支付而造成用户的损失，保证了移动终端在使用近场支付功能时的安全性。
在上述技术方案中，优选地，所述身份验证单元206具体用于：通过对所述用户录入的鉴权信息和/或采集到的所述用户的标识信息进行验证，以对所述用户的身份进行验证。
其中，用户录入的鉴权信息包括：通过物理按键或虚拟按键输入密码信息等；采集到的用户的标识信息包括：用户的指纹信息、声纹信息，人脸图像信息等。
在上述技术方案中，优选地，所述控制单元204还用于：若在所述预 定时间内完成支付，则在完成支付的同时关闭所述移动终端的近场支付功能。
在该技术方案中，通过在完成支付的同时关闭移动终端的近场支付功能，使得能够避免继续开启近场支付功能而导致非法用户盗用移动终端的近场支付。
在上述技术方案中，优选地，所述移动终端上设置有近场支付电路，所述近场支付电路与电子开关串联连接，则所述控制单元204具体用于：通过控制所述电子开关的开启或关闭，以开启或关闭所述移动终端的近场支付功能。
本发明还提出了一种移动终端(图中未示出)，包括：如图2中所示的用于移动终端的近场支付装置200。
以下以移动终端为手机为例，并结合图3和图4详细说明本发明的技术方案。
本发明提供了一种基于短时认证的非接触式IC安全支付方法，主要是提出了通过手机对传统的非接触式IC卡电路进行辅助控制，以达到提高移动支付安全性的目的，其基本原理如下：
将非接触式IC卡电路内置到手机中(主板、后盖或其他部位)；同时在其传统电路中增加一个电子开关，该开关的开启和关系由手机端的应用程序进行控制。当用户需要支付时，启动支付程序，进行身份验证，验证通过后，电子开关开启固定时间(如1分钟)；如果用户在固定时间之内完成了支付，则控制电子开关在支付完成的同时自动关闭；如果用户在固定时间内未支付，则电子开关会自动关闭。
具体地，如图3所示，本发明提出的近场支付的电路主要是在传统非接触式IC卡电路中增加电子开关，并由手机端应用程序及相应的控制电路进行控制，以为机场支付提供短时的有效时间，达到安全支付控制的目的。
具体处理流程如图4所示。
如图4所示，根据本发明的实施例的移动支付方法，包括：
步骤402，用户需要进行移动支付。如用户打开了需要进行移动支付的应用程序。
步骤404，手机端启动身份认证界面。
步骤406，用户输入认证信息。如通过物理按键、界面上的虚拟按键等输入密码验证信息，或录入指纹等。
步骤408，判断用户是否认证通过，若是，则执行步骤410；否则，结束。其中，判断用户是否认证通过主要通过将采集的信息与保存的信息进行比对进行确定，例如通过指纹识别的方式判别身份，那么手机端的指纹识别器采集用户的指纹信息，并与手机端的存储库内的指纹信息进行比对即为认证过程。又例如通过手机端的应用程序启动密码验证界面，用户需要手动输入有效密码，也为认证过程。
步骤410，控制电子开关闭合，非接触式IC卡电路生效。
步骤412，判断电子开关闭合时间是否超时，若是，则执行步骤416；否则，执行步骤414。
步骤414，判断是否完成支付，若是，则执行步骤416；否则，返回步骤412。
步骤416，控制电子开关断开，非接触式IC卡电路失效。
本发明的上述技术方案在手机端内置了非接触式IC卡，并且通过手机端进行相应的安全控制，既保证了传统IC卡支付过程的快速和便捷性，又提升了支付过程的安全性。
图5示出了根据本发明的实施例的移动终端的结构示意图。如图5所示，所述终端可以包括：至少一个收发装置503，至少一个处理器501，例如CPU，存储器504和至少一个通信总线502。
其中，上述通信总线502用于连接上述收发装置503、处理器501和存储器504。
上述存储器504可以是高速RAM存储器，也可为非不稳定的存储器(non-volatile memory)，例如磁盘存储器。上述存储器504还用于存储一组程序代码，上述收发装置503和处理器501用于调用存储器504中存储的程序代码，执行如下操作：
所述处理器501，用于在启动所述移动终端的近场支付功能后，判断在预定时间内是否通过所述近场支付功能完成支付；
所述处理器501，还用于若在所述预定时间内未完成支付，则关闭所述移动终端的近场支付功能。
在上述技术方案中，优选地，所述处理器501判断是否启动所述移动终端的近场支付功能的步骤具体包括：
在所述收发装置503用于在接收到用户发出的开启所述移动终端的近场支付功能的指令时，对所述用户的身份进行验证，并在对所述用户的身份验证通过之后，确定需要启动所述移动终端的近场支付功能。
在上述技术方案中，优选地，所述处理器501还执行如下步骤：
若在所述预定时间内完成支付，则在完成支付的同时关闭所述移动终端的近场支付功能。
在上述技术方案中，优选地，所述移动终端上设置有近场支付电路，所述近场支付电路与电子开关串联连接，则所述处理器501还用于执行如下步骤：
通过控制所述电子开关的开启或关闭，以开启或关闭所述移动终端的近场支付功能。以上结合附图详细说明了本发明的技术方案，本发明提出了一种新的用于移动终端的近场支付方案，可以在确保近场支付的便捷性的前提下，有效提高了近场支付的安全性。
以上所述仅为本发明的优选实施例而已，并不用于限制本发明，对于本领域的技术人员来说，本发明可以有各种更改和变化。凡在本发明的精神和原则之内，所作的任何修改、等同替换、改进等，均应包含在本发明的保护范围之内。

Claims (13)

  1. 一种用于移动终端的近场支付方法，其特征在于，包括：
    在启动所述移动终端的近场支付功能后，判断在预定时间内是否通过所述近场支付功能完成支付；
    若在所述预定时间内未完成支付，则关闭所述移动终端的近场支付功能。
  2. 根据权利要求1所述的用于移动终端的近场支付方法，其特征在于，判断是否启动所述移动终端的近场支付功能的步骤具体包括：
    在接收到用户发出的开启所述移动终端的近场支付功能的指令时，对所述用户的身份进行验证；以及
    在对所述用户的身份验证通过之后，确定需要启动所述移动终端的近场支付功能。
  3. 根据权利要求2所述的用于移动终端的近场支付方法，其特征在于，通过对所述用户录入的鉴权信息和/或采集到的所述用户的标识信息进行验证，以对所述用户的身份进行验证。
  4. 根据权利要求1所述的用于移动终端的近场支付方法，其特征在于，还包括：
    若在所述预定时间内完成支付，则在完成支付的同时关闭所述移动终端的近场支付功能。
  5. 根据权利要求1至4中任一项所述的用于移动终端的近场支付方法，其特征在于，所述移动终端上设置有近场支付电路，所述近场支付电路与电子开关串联连接，则通过控制所述电子开关的开启或关闭，以开启或关闭所述移动终端的近场支付功能。
  6. 一种用于移动终端的近场支付装置，其特征在于，包括：
    判断单元，用于在启动所述移动终端的近场支付功能后，判断在预定时间内是否通过所述近场支付功能完成支付；
    控制单元，用于在所述判断单元判定在所述预定时间内未完成支付时，关闭所述移动终端的近场支付功能。
  7. 根据权利要求6所述的用于移动终端的近场支付装置，其特征在于， 还包括：
    身份验证单元，用于在接收到用户发出的开启所述移动终端的近场支付功能的指令时，对所述用户的身份进行验证，并在对所述用户的身份验证通过之后，确定需要启动所述移动终端的近场支付功能。
  8. 根据权利要求6所述的用于移动终端的近场支付装置，其特征在于，所述控制单元还用于：
    若在所述预定时间内完成支付，则在完成支付的同时关闭所述移动终端的近场支付功能。
  9. 根据权利要求6至8中任一项所述的用于移动终端的近场支付装置，其特征在于，所述移动终端上设置有近场支付电路，所述近场支付电路与电子开关串联连接，则所述控制单元具体用于：
    通过控制所述电子开关的开启或关闭，以开启或关闭所述移动终端的近场支付功能。
  10. 一种移动终端，其特征在于，所述移动终端包括通信总线、收发装置、存储器以及处理器，其中：
    所述通信总线，用于实现所述收发装置、所述存储器以及所述处理器之间的连接通信；
    所述存储器中存储一组程序代码，且所述处理器调用所述存储器中存储的程序代码，用于执行以下操作：
    所述处理器，用于在启动所述移动终端的近场支付功能后，判断在预定时间内是否通过所述近场支付功能完成支付；
    所述处理器，还用于若在所述预定时间内未完成支付，则关闭所述移动终端的近场支付功能。
  11. 根据权利要求10所述的移动终端，其特征在于，所述处理器判断是否启动所述移动终端的近场支付功能的步骤具体包括：
    在所述收发装置用于在接收到用户发出的开启所述移动终端的近场支付功能的指令时，对所述用户的身份进行验证，并在对所述用户的身份验证通过之后，确定需要启动所述移动终端的近场支付功能。
  12. 根据权利要求10所述的移动终端，其特征在于，所述处理器还执行 如下步骤：
    若在所述预定时间内完成支付，则在完成支付的同时关闭所述移动终端的近场支付功能。
  13. 根据权利要求10至12中任一项所述的移动终端，其特征在于，所述移动终端上设置有近场支付电路，所述近场支付电路与电子开关串联连接，则所述处理器还用于执行如下步骤：
    通过控制所述电子开关的开启或关闭，以开启或关闭所述移动终端的近场支付功能。
PCT/CN2015/078088 2015-04-14 2015-04-30 用于移动终端的近场支付方法、装置和移动终端 WO2016165171A1 (zh)

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