CN101840548A - Consumption and communication terminal, management server and NFC electronic payment method - Google Patents
Consumption and communication terminal, management server and NFC electronic payment method Download PDFInfo
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- CN101840548A CN101840548A CN201010137859A CN201010137859A CN101840548A CN 101840548 A CN101840548 A CN 101840548A CN 201010137859 A CN201010137859 A CN 201010137859A CN 201010137859 A CN201010137859 A CN 201010137859A CN 101840548 A CN101840548 A CN 101840548A
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Abstract
The embodiment of the invention discloses an NFC electronic payment method, which comprises: reading and transmitting the security information request and authentication information of a communication terminal to a communication terminal through an NFC wireless communication method, receiving the communication terminal security information transmitted by the communication terminal after pass of authentication according to the authentication information, transmitting the received communication terminal security information to a management server for validity confirmation of the security information, and according to an instruction which is transmitted by the management server and indicates the security information is valid, transmitting a request to request the communication terminal to select one account of a plurality of supported accounts for consumption sum payment. The invention additionally discloses a consumption terminal, the communication terminal and the management server, realizes that one account can selected from accounts for payment when the users use the terminal for payment, and improves the experience level.
Description
Technical field
The present invention relates to the communications field, relate in particular to a kind of NFC electric paying method, consumption terminal, communicating terminal and management server.
Background technology
Along with scientific and technological high speed development, people require more and more higher to quality of life, in order to satisfy the demand of electric room short-range communication, the Philip, Nokia, well-known manufacturers such as Sony are united a new wireless communication technology NFC (the Near Field Communication that has released, near field communication (NFC)), compare with other close range communication techniques, it is near that NFC has distance, energy consumption is low, have more security, with salient features such as existing contactless smart card technical compatibilities, described NFC technology is widely used on the terminal device, make between terminal device visit mutually more direct, safer and carry out wireless connections easily, and then realize exchanges data and service.The communication terminal equipment of prior art is realized finishing consumption with the operation of swiping the card of extraneous consumption terminal by account of described communicating terminal binding, and existing communicating terminal is only bound with an account, when the account of described binding does not have just can not realize swiping the card having operated under remaining sum or the situation such as frozen, make troubles to the user, simultaneously, account is to bind with the number of described communicating terminal in the prior art, security is also not high enough, has brought risk for the user in the operating process of swiping the card.
Summary of the invention
In view of this, the embodiment of the invention provides a kind of NFC electric paying method, consumption terminal, communicating terminal and management server, by the corresponding a plurality of accounts of a terminal, realized that the user can select one of them account pay when using terminal payment, very high Experience Degree in the middle of many accounts.
The embodiment of the invention provides a kind of NFC electric paying method, comprising:
Send the security information request read communicating terminal and authentication information to described communicating terminal by the NFC communication, the security information of described communicating terminal comprises the user identity identification number of a plurality of accounts that communicating terminal is supported and communicating terminal;
Receive described communicating terminal according to the security information of described authentication information authentication by the communicating terminal of back transmission;
The security information of the described communicating terminal that receives is sent to the validation that management server carries out security information;
The security information that sends according to described management server is effectively indication, sends the described communicating terminal of request and selects an account in a plurality of accounts of described support to consume amount of money payment.
Preferably, describedly send the security information request read communicating terminal and authentication information to described communicating terminal, further comprise before by the NFC communication:
Described communicating terminal and a plurality of account are bound, and the security information of described communicating terminal is saved on described communicating terminal and the management server.
Preferably, described communicating terminal specifically comprises according to the security information of described authentication information authentication by the communicating terminal of back transmission:
Described communicating terminal receives described authentication information, judges whether described authentication information is effective, when judging that described authentication information is effective, sends the security information of described communicating terminal.
Preferably, described security information with the described communicating terminal that receives sends to the validation that management server carries out security information and specifically comprises:
The security information of the described communicating terminal that receives is sent to management server;
Described management server judges whether the security information of the described communicating terminal that receives and the described security information that is recorded in the communicating terminal on the management server mate;
When being judged as when being, the security information that then sends described communicating terminal is effectively indication.
Preferably, described user identity identification number comprises:
The UID of communicating terminal number, IMSI number and SIM card number.
The embodiment of the invention also provides a kind of consumption terminal, comprising:
First sending module is used for sending the security information request and the authentication information that read communicating terminal by the NFC communication and arrives described communicating terminal;
Receiver module is used to receive described communicating terminal according to the security information of described authentication information authentication by the communicating terminal of back transmission;
Second sending module is used for the security information of the described communicating terminal that receives is sent to the validation that management server carries out security information;
Select module, the security information that is used for sending according to described management server is effectively indication, sends the described communicating terminal of request and selects an account in a plurality of accounts of described support to consume amount of money payment.
The embodiment of the invention also provides a kind of communicating terminal, comprising:
Receiver module is used to receive the security information request and the authentication information of the communicating terminal that described consumption terminal sends;
Judge module is used to judge whether described authentication information is effective;
Processing module is used for sending the security information of described communicating terminal according to the security information request of described communicating terminal when judging that described authentication information is effective.
Preferably, further comprise:
Memory module is used for described communicating terminal and a plurality of account are bound, and preserves the security information of described communicating terminal.
The embodiment of the invention also provides a kind of management server, comprising:
Receiver module is used to receive the security information of described communicating terminal;
Judge module is used to judge whether the security information of the described communicating terminal that receives and the described security information that is recorded in the communicating terminal on the described management server mate;
Processing module is used for sending described security information for effectively being indicated to consumption terminal when the security information of judging described communicating terminal when being effective.
Preferably, further comprise:
Memory module, the security information that is used to preserve described communicating terminal.
Implement the NFC electric paying method of the embodiment of the invention, send the security information request and the authentication information that read communicating terminal by the NFC communication and arrive described communicating terminal, receive described communicating terminal according to the security information of described authentication information authentication by the communicating terminal of back transmission, the security information of the described communicating terminal that receives is sent to the validation that management server carries out security information, the security information that sends according to described management server is effectively indication, sends the described communicating terminal of request and selects an account in a plurality of accounts of described support to consume amount of money payment.Realized that the user can select one of them account pay when using terminal payment, very high Experience Degree in the middle of many accounts.
Description of drawings
In order to be illustrated more clearly in the embodiment of the invention or technical scheme of the prior art, to do to introduce simply to the accompanying drawing of required use in embodiment or the description of the Prior Art below, apparently, accompanying drawing in describing below only is some embodiments of the present invention, for those of ordinary skills, under the prerequisite of not paying creative work, can also obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the process flow diagram of embodiment of the invention NFC electric paying method;
Fig. 2 is the structural representation of embodiment of the invention consumption terminal;
Fig. 3 is the structural representation of embodiment of the invention communicating terminal;
Fig. 4 is the structural representation of embodiment of the invention management server.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the invention, the technical scheme in the embodiment of the invention is clearly and completely described, obviously, described embodiment only is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills belong to the scope of protection of the invention not making the every other embodiment that is obtained under the creative work prerequisite.
For making purpose of the present invention, technical scheme and advantage clearer, below the embodiment of the invention is further described with reference to accompanying drawing.
With reference to figure 1, be the process flow diagram of embodiment of the invention NFC electric paying method, as shown in Figure 1, this method may further comprise the steps:
Step S101 sends the security information request and the authentication information that read communicating terminal by the NFC communication and arrives described communicating terminal.
In this step, describedly send the security information request read communicating terminal and authentication information to described communicating terminal by the NFC communication, be specially described NFC service terminal and send the security information request read communicating terminal and authentication information to described communicating terminal by the NFC communication, the security information of described communicating terminal comprises the user identity identification number of a plurality of accounts that communicating terminal is supported and communicating terminal, wherein, the security information of described communicating terminal further can also comprise the security information of individual subscriber, for example, user's identification card number and name etc., the user identity identification of described communicating terminal number, UID (the User Identification that specifically comprises described communicating terminal, user identity proves) number, IMSI (international mobilesubscriber identity, and SIM (Subscriber IdentityModule international mobile subscriber identity) number, user identification module) card number, described authentication information is that a communicating terminal differentiates whether described consumption terminal is the safe consumption terminal information, for example, can be the authentication process of a key, describedly further comprise before the described communicating terminal described communicating terminal and a plurality of account are bound sending the security information request read communicating terminal and authentication information by the NFC communication, and the security information of described communicating terminal is saved on described communicating terminal and the management server, described in binding during account, can set described communicating terminal to the upper limit of the quantity of the consumption amount of money of described account etc.
Step S102 receives described communicating terminal according to the security information of described authentication information authentication by the communicating terminal of back transmission.
In this step, receive described communicating terminal according to the security information of described authentication information authentication by the communicating terminal of back transmission.Be specially described communicating terminal receive described NFC service terminal by the NFC communication send read the security information request and authentication information of communicating terminal after, receive described authentication information according to described communicating terminal, judge whether described authentication information is effective, when judging that described authentication information is effective, the security information that sends described communicating terminal is to consumption terminal.
Step S103 sends to the validation that management server carries out security information with the security information of the described communicating terminal that receives.
In this step, described security information with the described communicating terminal that receives sends to the validation that management server carries out security information, be specially after described consumption terminal receives the security information of communicating terminal, the security information of the described communicating terminal that receives is sent to management server, described management server judges whether the security information of the described communicating terminal that receives and the described security information that is recorded in the communicating terminal on the management server mate, when the security information of described communicating terminal and the described security information coupling that is recorded in the communicating terminal on the management server, the security information that then sends described communicating terminal is for effectively being indicated to described consumption terminal.
Step S104, the security information that sends according to described management server is effectively indication, sends the described communicating terminal of request and selects an account in a plurality of accounts of described support to consume amount of money payment.
In this step, the described security information that sends according to described management server is effectively indication, sending the described communicating terminal of request selects an account in a plurality of accounts of described support to consume amount of money payment, be specially described consumption terminal and receive the security information of described management server transmission for effectively indicating, send a described communicating terminal of request and select a account in a plurality of accounts of described support, the input username and password, described communicating terminal receives this request back and selects an account and import username and password, described consumption terminal receives account and the input username and password of selecting this request back according to receiving described communicating terminal, and the account that described communicating terminal is received this request back selection sends on the described management server with the input username and password, described management server receives account and the input username and password of selecting this request back according to described communicating terminal, whether check described input information correct, after confirmation, carry out the processing of fund from the account that described communicating terminal is selected, and upgrade described accounts information and simultaneously described consumption is obviously sent to described communicating terminal and notify the user.
Implement the NFC electric paying method of the embodiment of the invention, send the security information request and the authentication information that read communicating terminal by the NFC communication and arrive described communicating terminal, receive described communicating terminal according to the security information of described authentication information authentication by the communicating terminal of back transmission, the security information of the described communicating terminal that receives is sent to the validation that management server carries out security information, the security information that sends according to described management server is effectively indication, sends the described communicating terminal of request and selects an account in a plurality of accounts of described support to consume amount of money payment.Realized that the user can select one of them account pay when using terminal payment, very high Experience Degree in the middle of many accounts.
With reference to figure 2, be the structural representation of embodiment of the invention consumption terminal, as shown in Figure 2, embodiment of the invention consumption terminal mainly comprises: first sending module 11, receiver module 12, second sending module 13 and selection module 14.Below each Elementary Function and mutual relationship are elaborated.
Describedly send the security information request read communicating terminal and authentication information to described communicating terminal by the NFC communication, be specially described NFC service terminal and send the security information request read communicating terminal and authentication information to described communicating terminal by the NFC communication, the security information of described communicating terminal comprises the user identity identification number of a plurality of accounts that communicating terminal is supported and communicating terminal, wherein, the security information of described communicating terminal further can also comprise the security information of individual subscriber, for example, user's identification card number and name etc., the user identity identification of described communicating terminal number, UID (the User Identification that specifically comprises described communicating terminal, user identity proves) number, IMSI (international mobile subscriberidentity, and SIM (Subscriber Identity Module international mobile subscriber identity) number, user identification module) card number, described authentication information is that a communicating terminal differentiates whether described consumption terminal is the safe consumption terminal information, for example, can be the authentication process of a key, describedly further comprise before the described communicating terminal described communicating terminal and a plurality of account are bound sending the security information request read communicating terminal and authentication information by the NFC communication, and the security information of described communicating terminal is saved on described communicating terminal and the management server, described in binding during account, can set described communicating terminal to the upper limit of the quantity of the consumption amount of money of described account etc.
Receive described communicating terminal according to the security information of described authentication information authentication by the communicating terminal of back transmission.Be specially described communicating terminal receive described NFC service terminal by the NFC communication send read the security information request and authentication information of communicating terminal after, receive described authentication information according to described communicating terminal, judge whether described authentication information is effective, when judging that described authentication information is effective, the security information that sends described communicating terminal is to consumption terminal.
Described security information with the described communicating terminal that receives sends to the validation that management server carries out security information, be specially after described consumption terminal receives the security information of communicating terminal, the security information of the described communicating terminal that receives is sent to management server, described management server judges whether the security information of the described communicating terminal that receives and the described security information that is recorded in the communicating terminal on the management server mate, when the security information of described communicating terminal and the described security information coupling that is recorded in the communicating terminal on the management server, the security information that then sends described communicating terminal is for effectively being indicated to described consumption terminal.
The described security information that sends according to described management server is effectively indication, sending the described communicating terminal of request selects an account in a plurality of accounts of described support to consume amount of money payment, be specially described consumption terminal and receive the security information of described management server transmission for effectively indicating, send a described communicating terminal of request and select a account in a plurality of accounts of described support, the input username and password, described communicating terminal receives this request back and selects an account and import username and password, described consumption terminal receives account and the input username and password of selecting this request back according to receiving described communicating terminal, and the account that described communicating terminal is received this request back selection sends on the described management server with the input username and password, described management server receives account and the input username and password of selecting this request back according to described communicating terminal, whether check described input information correct, after confirmation, carry out the processing of fund from the account that described communicating terminal is selected, and upgrade described accounts information and simultaneously described consumption is obviously sent to described communicating terminal and notify the user.
Implement the NFC electric paying method of the embodiment of the invention, send the security information request and the authentication information that read communicating terminal by the NFC communication and arrive described communicating terminal, receive described communicating terminal according to the security information of described authentication information authentication by the communicating terminal of back transmission, the security information of the described communicating terminal that receives is sent to the validation that management server carries out security information, the security information that sends according to described management server is effectively indication, sends the described communicating terminal of request and selects an account in a plurality of accounts of described support to consume amount of money payment.Realized that the user can select one of them account pay when using terminal payment, very high Experience Degree in the middle of many accounts.
With reference to figure 3, be the structural representation of embodiment of the invention communicating terminal, as shown in Figure 3, embodiment of the invention communicating terminal mainly comprises: memory module 21, receiver module 22, judge module 23 and processing module 24.Below each Elementary Function and mutual relationship are elaborated.
Implement the NFC electric paying method of the embodiment of the invention, send the security information request and the authentication information that read communicating terminal by the NFC communication and arrive described communicating terminal, receive described communicating terminal according to the security information of described authentication information authentication by the communicating terminal of back transmission, the security information of the described communicating terminal that receives is sent to the validation that management server carries out security information, the security information that sends according to described management server is effectively indication, sends the described communicating terminal of request and selects an account in a plurality of accounts of described support to consume amount of money payment.Realized that the user can select one of them account pay when using terminal payment, very high Experience Degree in the middle of many accounts.
With reference to figure 4, be the structural representation of embodiment of the invention management server, as shown in Figure 4, embodiment of the invention management server mainly comprises: memory module 31, receiver module 32, judge module 33 and processing module 34.Below each Elementary Function and mutual relationship are elaborated.
Implement the NFC electric paying method of the embodiment of the invention, send the security information request and the authentication information that read communicating terminal by the NFC communication and arrive described communicating terminal, receive described communicating terminal according to the security information of described authentication information authentication by the communicating terminal of back transmission, the security information of the described communicating terminal that receives is sent to the validation that management server carries out security information, the security information that sends according to described management server is effectively indication, sends the described communicating terminal of request and selects an account in a plurality of accounts of described support to consume amount of money payment.Realized that the user can select one of them account pay when using terminal payment, very high Experience Degree in the middle of many accounts.
Above disclosed is preferred embodiment of the present invention only, can not limit the present invention's interest field certainly with this, and therefore the equivalent variations of doing according to claim of the present invention still belongs to the scope that the present invention is contained.
Claims (10)
1. a NFC electric paying method is characterized in that, comprising:
Send the security information request read communicating terminal and authentication information to described communicating terminal by the NFC communication, the security information of described communicating terminal comprises the user identity identification number of a plurality of accounts that communicating terminal is supported and communicating terminal;
Receive described communicating terminal according to the security information of described authentication information authentication by the communicating terminal of back transmission;
The security information of the described communicating terminal that receives is sent to the validation that management server carries out security information;
The security information that sends according to described management server is effectively indication, sends the described communicating terminal of request and selects an account in a plurality of accounts of described support to consume amount of money payment.
2. the method for claim 1 is characterized in that, describedly sends the security information request read communicating terminal and authentication information to described communicating terminal by the NFC communication, further comprises before:
Described communicating terminal and a plurality of account are bound, and the security information of described communicating terminal is saved on described communicating terminal and the management server.
3. method as claimed in claim 1 or 2 is characterized in that, described communicating terminal specifically comprises according to the security information of described authentication information authentication by the communicating terminal of back transmission:
Described communicating terminal receives described authentication information, judges whether described authentication information is effective, when judging that described authentication information is effective, sends the security information of described communicating terminal.
4. method as claimed in claim 3 is characterized in that, described security information with the described communicating terminal that receives sends to the validation that management server carries out security information and specifically comprises:
The security information of the described communicating terminal that receives is sent to management server;
Described management server judges whether the security information of the described communicating terminal that receives and the described security information that is recorded in the communicating terminal on the management server mate;
When being judged as when being, the security information that then sends described communicating terminal is effectively indication.
5. method as claimed in claim 4 is characterized in that, described user identity identification number comprises:
The UID of communicating terminal number, IMSI number and SIM card number.
6. a consumption terminal is characterized in that, comprising:
First sending module is used for sending the security information request and the authentication information that read communicating terminal by the NFC communication and arrives described communicating terminal;
Receiver module is used to receive described communicating terminal according to the security information of described authentication information authentication by the communicating terminal of back transmission;
Second sending module is used for the security information of the described communicating terminal that receives is sent to the validation that management server carries out security information;
Select module, the security information that is used for sending according to described management server is effectively indication, sends the described communicating terminal of request and selects an account in a plurality of accounts of described support to consume amount of money payment.
7. a communicating terminal is characterized in that, comprising:
Receiver module is used to receive the security information request and the authentication information of the communicating terminal that described consumption terminal sends;
Judge module is used to judge whether described authentication information is effective;
Processing module is used for sending the security information of described communicating terminal according to the security information request of described communicating terminal when judging that described authentication information is effective.
8. consumption terminal as claimed in claim 7 is characterized in that, further comprises:
Memory module is used for described communicating terminal and a plurality of account are bound, and preserves the security information of described communicating terminal.
9. a management server is characterized in that, comprising:
Receiver module is used to receive the security information of described communicating terminal;
Judge module is used to judge whether the security information of the described communicating terminal that receives and the described security information that is recorded in the communicating terminal on the described management server mate;
Processing module is used for sending described security information for effectively being indicated to consumption terminal when the security information of judging described communicating terminal when being effective.
10. management server as claimed in claim 9 is characterized in that, further comprises:
Memory module, the security information that is used to preserve described communicating terminal.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201010137859A CN101840548A (en) | 2010-03-29 | 2010-03-29 | Consumption and communication terminal, management server and NFC electronic payment method |
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| CN201010137859A CN101840548A (en) | 2010-03-29 | 2010-03-29 | Consumption and communication terminal, management server and NFC electronic payment method |
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| CN102208923A (en) * | 2011-05-19 | 2011-10-05 | 中国联合网络通信集团有限公司 | Application-type service management method of near filed communication intelligent card and system thereof |
| CN102737308A (en) * | 2012-06-08 | 2012-10-17 | 中兴通讯股份有限公司 | Mobile terminal and method and system for inquiring information of intelligent card |
| CN102750567A (en) * | 2012-05-31 | 2012-10-24 | 瑞达信息安全产业股份有限公司 | Secure digital (SD) card supporting multiple accounts and capable of being used for remote mobile payment and short range communication |
| WO2013182093A1 (en) * | 2012-11-01 | 2013-12-12 | 中兴通讯股份有限公司 | Authorizing method, target device, terminal and authorizing system |
| CN103714457A (en) * | 2012-10-01 | 2014-04-09 | Nxp股份有限公司 | Method for validating a transaction |
| US9495524B2 (en) | 2012-10-01 | 2016-11-15 | Nxp B.V. | Secure user authentication using a master secure element |
| WO2017185349A1 (en) * | 2016-04-29 | 2017-11-02 | 华为技术有限公司 | Transaction method and device based on near-field communication (nfc) |
| CN110830556A (en) * | 2015-04-07 | 2020-02-21 | 阿里巴巴集团控股有限公司 | Service processing method and device |
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Cited By (16)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102208923A (en) * | 2011-05-19 | 2011-10-05 | 中国联合网络通信集团有限公司 | Application-type service management method of near filed communication intelligent card and system thereof |
| CN102750567A (en) * | 2012-05-31 | 2012-10-24 | 瑞达信息安全产业股份有限公司 | Secure digital (SD) card supporting multiple accounts and capable of being used for remote mobile payment and short range communication |
| CN102737308A (en) * | 2012-06-08 | 2012-10-17 | 中兴通讯股份有限公司 | Mobile terminal and method and system for inquiring information of intelligent card |
| WO2013181885A1 (en) * | 2012-06-08 | 2013-12-12 | 中兴通讯股份有限公司 | Mobile terminal and method and system for inquiring information of intelligent card |
| CN102737308B (en) * | 2012-06-08 | 2015-08-12 | 中兴通讯股份有限公司 | The method and system of a kind of mobile terminal and inquiry smart card information thereof |
| US10147090B2 (en) | 2012-10-01 | 2018-12-04 | Nxp B.V. | Validating a transaction with a secure input without requiring pin code entry |
| CN103714457A (en) * | 2012-10-01 | 2014-04-09 | Nxp股份有限公司 | Method for validating a transaction |
| US9495524B2 (en) | 2012-10-01 | 2016-11-15 | Nxp B.V. | Secure user authentication using a master secure element |
| CN103714457B (en) * | 2012-10-01 | 2017-11-10 | Nxp股份有限公司 | Method for verifying transaction |
| WO2013182093A1 (en) * | 2012-11-01 | 2013-12-12 | 中兴通讯股份有限公司 | Authorizing method, target device, terminal and authorizing system |
| CN110830556A (en) * | 2015-04-07 | 2020-02-21 | 阿里巴巴集团控股有限公司 | Service processing method and device |
| CN110830556B (en) * | 2015-04-07 | 2022-01-28 | 创新先进技术有限公司 | Service processing method and device |
| CN109074571A (en) * | 2016-04-29 | 2018-12-21 | 华为技术有限公司 | Method of commerce and equipment based on near-field communication NFC |
| WO2017185349A1 (en) * | 2016-04-29 | 2017-11-02 | 华为技术有限公司 | Transaction method and device based on near-field communication (nfc) |
| US11023881B2 (en) | 2016-04-29 | 2021-06-01 | Huawei Technologies Co., Ltd. | Near field communication NFC-based transaction method and device |
| CN109074571B (en) * | 2016-04-29 | 2022-05-06 | 华为技术有限公司 | Transaction method and device based on Near Field Communication (NFC) |
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Application publication date: 20100922 |