CN103077457B - A kind of intelligent RFID payment terminal and method - Google Patents
A kind of intelligent RFID payment terminal and method Download PDFInfo
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- CN103077457B CN103077457B CN201210580312.5A CN201210580312A CN103077457B CN 103077457 B CN103077457 B CN 103077457B CN 201210580312 A CN201210580312 A CN 201210580312A CN 103077457 B CN103077457 B CN 103077457B
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Abstract
The invention discloses a kind of intelligent RFID payment terminal and method, comprise hand-held mobile terminal, provide to user and choose window and store FRID label information and by the draw bank account cipher-text information of bank's public key encryption; RFID payment terminal machine, to hand-held mobile terminal for commodity purchasing platform; MAS platform, provides transaction platform, and the encrypted public key generated for concluding the business and decrypted private key; Bank server, performs transaction payment and feeds back payment result information; Bank net WEB, provides hand-held mobile terminal and bank server to realize the interface of transaction payment; And MAS platform Short Message Service Gateway, bank short message gateway; Hand-held mobile terminal and RFID payment terminal machine comprise telecommunication and near-field communication two kinds of communication modes.The present invention, by setting up convenient, safe RFID application platform, improves convenience and degree of safety that user utilizes E-Payment.
Description
Technical field
The present invention relates to data communication technology field, particularly a kind of intelligent RFID payment terminal and method.
Background technology
RFID(RadioFrequencyIDentification) i.e. radio-frequency (RF) identification, also known as electronic tag, radio frequency identification, it is a kind of communication technology, read and write related data by radio signals identification specific objective, and without the need to setting up machinery or optical contact between recognition system and specific objective.As the wireless version of bar code, RFID technique has waterproof not available for bar code, antimagnetic, high temperature resistant, long service life, reading distance is large, data can be encrypted, memory capacity large, the storage information change advantage such as freely, so be widely used in the industry such as retail, logistics.
Along with developing rapidly of mobile communication terminal, RFID technique is extended to mobile communication terminal gradually.Be disclose in the Chinese patent of 200910231113.1 " a kind of mobile terminal payment system based on RFID technique and method " at application number, this system comprises the trading server supporting the mobile terminal of RFID technique, RFID Platform Server, RFID label tag reader, financial sector.This system realizes wireless payment mainly through following steps: first, and RFID Platform Server and mobile terminal are set up and communicated and the FRID label information of user and Bank Account Number bound; Then, when after the label information that RFID label tag reader reads in mobile communication terminal in RFID chip, label information is sent to RFID Platform Server to obtain the Bank Account Number bound with it, and the password that described Bank Account Number and user input is sent to the trading server of financial sector, application payment transaction; The trading server of last financial sector performs payment transaction, and feedback trading result, thus makes user can realize the electronic payment function of similar credit card by mobile terminal safety, expands the application of RFID technique.But the means that this technology utilizes RFID label tag reader to read FRID label information in mobile communication terminal belong to the radio-frequency (RF) identification of limited distance, this mode of doing business, by space constraint, cannot complete operated from a distance whenever and wherever possible, not convenient; In addition, this mode of doing business takes the conventional means of communication, namely unified fixed frequency communication is taked, so when occurring in the intensive user regions such as hotel, Duo Shidian, restaurant when transaction, to be forced to because being subject to other user radio electrical interference interrupt, even to produce the potential safety hazard that account and password are illegally obtained by people.
Summary of the invention
In order to overcome the deficiencies in the prior art, the invention provides a kind of intelligent RFID payment terminal and method, by setting up convenient, safe RFID application platform, improving convenience and the degree of safety of user's E-Payment.
Object of the present invention is realized by following technical proposals:
A kind of intelligent RFID payment terminal, comprising:
Hand-held mobile terminal, as the originating end of transaction, receives the commodity purchasing platform that RFID payment terminal machine sends and chooses window to provide to user, and for the FRID label information that stores user and by the draw bank account cipher-text information of bank's public key encryption;
RFID payment terminal machine, as the receiving end of transaction, provides commodity purchasing platform to hand-held mobile terminal;
MAS platform, provides the platform of hand-held mobile terminal and RFID payment terminal machine wireless transactions, for deciphering FRID label information, and generates the encrypted public key and decrypted private key that are used for wireless transactions;
MAS platform Short Message Service Gateway, performs the short message order of MAS Platform Requirements transmission and receives the authorization information sending to MAS platform;
Bank server, performs transaction payment and feeds back payment result information;
Bank short message gateway, performs bank server and requires the short message order of transmission and receive the authorization information sending to bank server;
Bank net WEB, provides hand-held mobile terminal and bank server to realize the interface of transaction payment;
Hand-held mobile terminal at least comprises remote communication module and near-field communication module, is respectively used to hand-held mobile terminal and RFID payment terminal machine sets up telecommunication and near-field communication.
One of main innovate point of the present invention is: payment system provided by the invention is provided with RFID payment terminal machine, more traditional RFID label tag reader, the standby function that commodity purchasing platform is provided to hand-held mobile terminal of RFID payment terminal facility, user chooses the direct free choice of goods of window by hand-held mobile terminal, make purchase not by space and time restriction, improve convenience.
Another main innovate point of the present invention is: the MAS platform that payment system provided by the invention is arranged can generate encrypted public key and decrypted private key, makes encrypted public key and decrypted private key in whole wireless transactions process, improves the degree of safety of transaction.
A main innovate point more of the present invention is: the hand-held mobile terminal in payment system provided by the invention is provided with remote communication module and near-field communication module, avoid due to communication frequency fixed single, the potential safety hazard making transaction be forced to interrupt and produce account and password because being subject to other user radio electrical interference illegally to be obtained by people.
Further, RFID payment terminal machine comprises:
Memory cell, storing commodity buys platform software and RFID payment terminal identity information;
RFID processing unit, automatically identifies the communication frequency of hand-held mobile terminal, and automatically can select the communication frequency with hand-held mobile terminal;
Display processing unit, the user interface of display RFID payment terminal machine;
CPU (central processing unit), the instruction that processing RF ID processing unit and communication processing unit send;
Communication processing unit, is responsible for carrying out short message receiving-transmitting with Short Message Service Gateway, dial up on the telephone and carrying out communication with MAS platform.
Further, near-field communication module comprises 13.56MHz near-field communication module, and the frequency making hand-held mobile terminal and the communication of RFID payment terminal machine is 13.56MHz; 860MHz-960MHz near-field communication module, the frequency making hand-held mobile terminal and the communication of RFID payment terminal machine is 860MHz-960MHz; And 2.45G near-field communication module, the frequency making hand-held mobile terminal and the communication of RFID payment terminal machine is 2.45G.
Further, bank net WEB at least comprises bank safety control module, for automatically reading FRID label information that hand-held mobile terminal stores and by the draw bank account cipher-text information of bank's public key encryption, and the FRID label information of described storage is sent to bank server with being encrypted by the draw bank account cipher-text information of bank's public key encryption.
Further, MAS platform Short Message Service Gateway, when performing MAS Platform Requirements and sending short message order, comprises and sends encrypted public key and decrypted private key to hand-held mobile terminal and RFID payment terminal machine and send dynamic verification code to hand-held mobile terminal.
Further, when bank short message gateway performs the short message order of bank server requirement transmission, comprise to hand-held mobile terminal transmission dynamic verification code and send sequence information and successful information of transferring accounts to hand-held mobile terminal and RFID payment terminal machine.
In order to improve the security in payment process further, encrypted public key and decrypted private key are respectively elliptic curve cryptography PKI and elliptic curve decrypted private key.
Present invention also offers a kind of intelligent RFID method of payment, step is as follows:
(1) hand-held mobile terminal selects the RFID payment terminal machine needed to establish the link, and subscriber-coded in user's FRID label information is sent to RFID payment terminal machine;
(2) RFID payment terminal machine is according to subscriber-coded generation order number, commodity purchasing platform is sent to hand-held mobile terminal simultaneously;
(3) hand-held mobile terminal utilizes the purchase platform received to provide article or service to choose function to user, and submits the order chosen to RFID payment terminal machine;
(4) RFID payment terminal machine confirms an order information, and sends the request confirming that remote payment or short range pay to hand-held mobile terminal;
(5) after the modes of payments that user selects is sent to RFID payment terminal machine by hand-held mobile terminal, subscriber-coded encryption is sent to MAS platform by RFID payment terminal machine;
(6) MAS platform decrypted user is encoded and is generated transaction encryption PKI and decrypted private key, is then used for the encrypted public key of concluding the business by MAS platform Short Message Service Gateway by generating and decrypted private key is sent to hand-held mobile terminal and RFID payment terminal machine;
(7) hand-held mobile terminal utilizes the private key received, and deciphering RFID payment terminal machine utilizes sequence information and the merchant information of the public key encryption received;
(8) hand-held mobile terminal and MAS platform carry out authentication, and carry out consistency checking through RFID payment terminal machine to issuing the dynamic verification code through public key encryption that dynamic verification code and the hand-held mobile terminal of MAS platform through public key encryption feed back;
(9) after being proved to be successful, RFID payment terminal machine sends the agreement pay warrant adopting public key encryption to hand-held mobile terminal, after hand-held mobile terminal adopts private key deciphering, starts the bank net WEB with subscriber-coded binding;
(10) user adopts public key encryption to be sent to bank server by the payment information that hand-held mobile terminal is submitted to by bank net WEB, bank server performs payment function after adopting private key deciphering, and order bank short message gateway is to RFID payment terminal machine and hand-held mobile terminal feedback payment result information.
The concrete steps of above-mentioned steps (8) comprising: first, and hand-held mobile terminal sends to MAS platform the LBS information of subscriber-coded, user fingerprints, hand-held mobile terminal and after the sequence information, merchant information employing elliptic curve public key cryptographic of the reception of RFID payment terminal machine; Secondly, MAS platform adopts whether the rear authentication of users of elliptic curve private key deciphering is registered user, and when user is registered user, MAS platform is sent to RFID payment terminal machine after subscriber-coded and sequence information are adopted elliptic curve public key cryptographic; After RFID payment terminal machine receives the ciphertext of subscriber-coded and sequence information, adopt elliptic curve private key decipher and generate dynamic verification code, and send to MAS platform after dynamic verification code is adopted oval public key encryption; Then, MAS platform adopts elliptic curve private key to decipher the encryption dynamic verification code received, and notifies that MAS platform Short Message Service Gateway sends dynamic verification code to hand-held mobile terminal; A step again, the dynamic verification code received utilizes elliptic curve public key cryptographic to be submitted to RFID payment terminal machine by hand-held mobile terminal by user; Finally, after RFID payment terminal machine adopts the deciphering of elliptic curve private key to the ciphertext that receives, and be sent to MAS platform dynamic verification code and carry out consistency checking.
The concrete steps of above-mentioned steps (10) comprising: first, FRID label information that the bank safety control module in bank net WEB provides the hand-held mobile terminal automatically read and adopted elliptic curve public key cryptographic to be sent to bank server by the draw bank account cipher-text information of bank's public key encryption, merchant information and payment; Secondly, after bank server adopts the deciphering of elliptic curve private key, notifying bank's Short Message Service Gateway sends transaction dynamic verification code to the hand-held mobile terminal of user; Then, user utilizes hand-held mobile terminal that transaction dynamic verification code is manually inputed to the payment interface that bank net web provides; Then, the bank safety control module in bank net WEB is sent to bank server after adopting elliptic curve public key cryptographic to transaction dynamic verification code; Finally, bank server performs payment function after adopting oval private key to decipher, and order bank short message gateway is to RFID payment terminal machine and hand-held mobile terminal feedback payment result information.
Concrete, in view of user mobile phone number, RFID coding, mobile terminal IMEI number uniqueness separately, subscriber-coded in described step (1) can be wherein any one.
Concrete, in described step (8), the information that hand-held mobile terminal and MAS platform carry out authentication and need to verify at least comprises user fingerprints, hand-held mobile terminal IMEI number and hand-held mobile terminal LBS information.
Compared with prior art, the present invention has the following advantages and beneficial effect:
1, the standby function providing commodity purchasing platform to hand-held mobile terminal of RFID payment terminal facility of the present invention, user chooses the direct free choice of goods of window by hand-held mobile terminal, buys not by space and time restriction, improves convenience.
2, MAS platform of the present invention can generate encrypted public key and decrypted private key, makes encrypted public key and decrypted private key in whole wireless transactions process, improves the degree of safety of transaction.
3, hand-held mobile terminal of the present invention is provided with remote communication module and near-field communication module, avoid due to communication frequency fixed single, the potential safety hazard making transaction be forced to interrupt and produce account and password because being subject to other user radio electrical interference illegally to be obtained by people.
4, near-field communication module comprises 13.56MHz near-field communication module, 860MHz-960MHz near-field communication module and 2.45G near-field communication module, further improve the selectable range of communication frequency, avoiding concluding the business to be forced to interrupt and produce the potential safety hazard that account and password illegally obtained by people because being subject to other user radio electrical interference.
5, in process of exchange, the dynamic verification code that MAS platform Short Message Service Gateway sends to user's hand-held mobile terminal, dynamic verification code, sequence information, account transfer successful information that bank short message gateway sends, the elliptic curve cryptography PKI that transaction uses and elliptic curve decrypted private key, the setting of bank safety control module further add the degree of safety of payment.
6, bank net WEB provides hand-held mobile terminal and bank server to realize the interface of transaction payment, makes user read payment information more intuitively, improves the efficiency of payment.
7, hand-held mobile terminal and MAS platform carry out authentication needs authentication of users fingerprint, hand-held mobile terminal IMEI number and hand-held mobile terminal LBS information, avoids the use of cloning card, improves security.
Accompanying drawing explanation
Fig. 1 is intelligent RFID payment terminal of the present invention entirety composition structural representation;
Fig. 2 is hand-held mobile terminal component compositional block diagram of the present invention.
Fig. 3 is RFID payment terminal machine structural representation of the present invention.
Embodiment
Understand for the ease of those skilled in the art, below in conjunction with specific embodiment, technical scheme of the present invention be described in detail:
As shown in Figure 1 and Figure 2, a kind of intelligent RFID payment terminal, comprise: hand-held mobile terminal, as the originating end of transaction, receive the commodity purchasing platform that RFID payment terminal machine sends and choose window to provide to user, and for the FRID label information that stores user and by the draw bank account cipher-text information of bank's public key encryption; RFID payment terminal machine, as the receiving end of transaction, provides commodity purchasing platform to hand-held mobile terminal; MAS platform, provides the platform of hand-held mobile terminal and RFID payment terminal machine wireless transactions, for deciphering FRID label information, and generates the encrypted public key and decrypted private key that are used for wireless transactions; MAS platform Short Message Service Gateway, performs the short message order of MAS Platform Requirements transmission and receives the authorization information sending to MAS platform; Bank server, performs transaction payment and feeds back payment result information; Bank short message gateway, performs bank server and requires the short message order of transmission and receive the authorization information sending to bank server; Bank net WEB, provides hand-held mobile terminal and bank server to realize the interface of transaction payment; Wherein, hand-held mobile terminal at least comprises remote communication module and near-field communication module, is respectively used to hand-held mobile terminal and RFID payment terminal machine sets up telecommunication and near-field communication.
As shown in Figure 3, RFID payment terminal machine comprises:
Memory cell, storing commodity buys platform software and RFID payment terminal identity information;
RFID processing unit, automatically identifies the communication frequency of hand-held mobile terminal, and automatically can select the communication frequency with hand-held mobile terminal;
Display processing unit, the user interface of display RFID payment terminal machine;
CPU (central processing unit), the instruction that processing RF ID processing unit and communication processing unit send;
Communication processing unit, is responsible for carrying out short message receiving-transmitting with Short Message Service Gateway, dial up on the telephone and carrying out communication with MAS platform.
Below in conjunction with specific embodiment, telecommunication of the present invention and near-field communication two kinds of communication modes are described respectively.
Embodiment 1
A kind of intelligent RFID method of payment, when carrying out telecommunication, mainly comprises the steps:
(1) hand-held mobile terminal selects the RFID payment terminal machine needed to establish the link, and subscriber-coded in user's FRID label information is sent to RFID payment terminal machine.
After user utilizes login username and login password to log in the shopping software of hand-held mobile terminal, the RFID payment terminal machine url interface needed is selected to link, link successfully, the shopping software of hand-held mobile terminal is sent to RFID payment terminal machine subscriber-coded in FRID label information automatically.Wherein, in view of user mobile phone number, RFID coding, hand-held mobile terminal IMEI number uniqueness separately, subscriber-coded can be wherein any one.
(2) RFID payment terminal machine is according to subscriber-coded generation order number, commodity purchasing platform is sent to hand-held mobile terminal simultaneously.
Wherein order number by subscriber-coded and RFID payment terminal machine receives subscriber-coded time time form.
(3) hand-held mobile terminal utilizes the purchase platform received to provide article or service to choose function to user, and submits the order chosen to RFID payment terminal machine.
User is when choosing, and the classification buying article or service required for oneself is searched, and is added in electronics car by the commodity chosen.After user completes and chooses, hand-held mobile terminal is utilized to submit order to.
(4) RFID payment terminal machine confirms an order information, and sends the request confirming that remote payment or short range pay to hand-held mobile terminal.
RFID payment terminal machine is when confirming sequence information, the sequence information received and order requirements rule can be compared, if the sequence information submitted to meets order requirements rule, RFID payment terminal machine sends the request confirming that remote payment or short range pay to hand-held mobile terminal; If the sequence information submitted to does not meet order requirements rule, incongruent commodity itemized bill and suggestion for revision then can be sent to hand-held mobile terminal and confirm, until the sequence information that user provides meets order require rule by RFID payment terminal machine.
(5) after user selects remote payment mode by the remote communication module of hand-held mobile terminal, the information that user selects can be sent to RFID payment terminal machine by hand-held mobile terminal, and RFID payment terminal machine is sent to MAS platform by after subscriber-coded encryption.
(6) MAS platform decrypted user is encoded and is generated elliptic curve cryptography PKI and the elliptic curve decrypted private key of transaction, then by MAS platform Short Message Service Gateway, the elliptic curve cryptography PKI of generation and elliptic curve decrypted private key is sent to hand-held mobile terminal and RFID payment terminal machine.
(7) hand-held mobile terminal utilizes the elliptic curve decrypted private key received, and deciphering RFID payment terminal machine utilizes sequence information and the merchant information of the elliptic curve cryptography public key encryption received.
First, RFID payment terminal machine adopts curve public key to be encrypted merchant information and sequence information, and ciphertext is sent to hand-held mobile terminal; Then, hand-held mobile terminal utilizes the elliptic curve decrypted private key received to be decrypted to obtain sequence information and merchant information to ciphertext.
(8) hand-held mobile terminal and MAS platform carry out authentication, and utilize RFID payment terminal machine to carry out consistency checking to issuing the dynamic verification code through public key encryption that dynamic verification code and the hand-held mobile terminal of MAS platform through public key encryption feed back.
First, hand-held mobile terminal sends to MAS platform the LBS information of subscriber-coded, user fingerprints, hand-held mobile terminal and after the sequence information, merchant information employing elliptic curve public key cryptographic of the acquisition of RFID payment terminal machine; Secondly, after MAS platform adopts the deciphering of elliptic curve private key, whether authentication of users is registered user, and when user is registered user, MAS platform is sent to RFID payment terminal machine after subscriber-coded and sequence information are adopted elliptic curve public key cryptographic; After RFID payment terminal machine receives the ciphertext of subscriber-coded and sequence information, adopt elliptic curve private key decipher and generate dynamic verification code, after adopting oval public key encryption, send to MAS platform; Then, MAS platform adopts elliptic curve private key to decipher the encryption dynamic verification code received, and notifies that MAS platform Short Message Service Gateway sends dynamic verification code to user's hand-held mobile terminal; A step again, the dynamic verification code received utilizes elliptic curve public key cryptographic to be submitted to RFID payment terminal machine by hand-held mobile terminal by user; Finally, after RFID payment terminal machine adopts the deciphering of elliptic curve private key to the ciphertext that receives, and be sent to MAS platform dynamic verification code and carry out consistency checking.
(9) after being proved to be successful, RFID payment terminal machine sends the agreement pay warrant adopting elliptic curve public key cryptographic to hand-held mobile terminal, after hand-held mobile terminal adopts the deciphering of elliptic curve private key, starts the bank net WEB with subscriber-coded binding.
After bank net WEB starts, there is the web interface of the draw bank of user preset in hand-held mobile terminal, sequence information (order number and payment) wherein in hand-held mobile terminal, merchant information (name of firm, trade company's account number ciphertext or bank of trade company coding ciphertext) automatic filling, to the web interface of draw bank, are intuitively checked with read-only mode for user.
(10) user adopts curve public key encryption to be sent to bank server by the payment information that hand-held mobile terminal is submitted to by bank net WEB, bank server performs payment function after adopting oval private key to decipher, and order bank short message gateway is to RFID payment terminal machine and hand-held mobile terminal feedback payment result information.
First, the bank safety control module in bank net WEB is to automatically reading FRID label information that hand-held mobile terminal provides and by the draw bank account cipher-text information of bank's public key encryption, merchant information, payment adopt elliptic curve public key cryptographic to be sent to bank server; Secondly, after bank server adopts the deciphering of elliptic curve private key, notifying bank's Short Message Service Gateway sends transaction dynamic verification code to user's hand-held mobile terminal; Then, user utilizes hand-held mobile terminal that transaction dynamic verification code is manually inputed to the payment interface that bank net web provides; Then, the bank safety control module in bank net WEB is sent to bank server after adopting elliptic curve public key cryptographic to transaction dynamic verification code; Finally, bank server performs payment function after adopting oval private key to decipher, and order bank short message gateway is to RFID payment terminal machine and hand-held mobile terminal feedback payment result information.
Embodiment 2
A kind of intelligent RFID method of payment, when carrying out near-field communication, mainly comprises the steps:
Complete with first three same steps in embodiment 1 medium-long range communication modes after, RFID payment terminal machine confirms an order information equally, and sends the request confirming that remote payment or short range pay to hand-held mobile terminal.
After user is by the near-field communication model choice short range modes of payments of hand-held mobile terminal, the 13.56MHz near-field communication module that near-field communication module comprises, 860MHz-960MHz near-field communication module and 2.45G near-field communication module can provide the short range modes of payments of three communication frequencies, make the frequency of hand-held mobile terminal and the communication of RFID payment terminal machine be respectively 13.56MHz, 860MHz-960MHz and 2.45G.Wherein, 13.56MHz near-field communication module is applicable to short distance communication, and 860MHz-960MHz near-field communication module and 2.45G near-field communication module are applicable to middle distance communication.
When user according to actual needs, after selecting one of them short range modes of payments by hand-held mobile terminal, point-to-point communication set up by this near-field communication module and RFID payment terminal machine, and RFID payment terminal machine will be sent to MAS platform after subscriber-coded encryption and completes payment according to the subsequent step identical with five steps after the telecommunication mode shown in embodiment 1.
Certainly, foregoing is only preferred embodiment of the present invention, and not for limiting embodiment of the present invention, those skilled in the art are according to design of the present invention, and done appropriate adaptation or amendment, all should within protection scope of the present invention.
Claims (8)
1. an intelligent RFID payment terminal, comprising:
Hand-held mobile terminal, as the originating end of transaction, receives the commodity purchasing platform that RFID payment terminal machine sends and chooses window to provide to user, and for the FRID label information that stores user and by the draw bank account cipher-text information of bank's public key encryption;
RFID payment terminal machine, as the receiving end of transaction, provides commodity purchasing platform to hand-held mobile terminal;
MAS platform, provides the platform of hand-held mobile terminal and RFID payment terminal machine wireless transactions, for deciphering FRID label information, and generates the encrypted public key and decrypted private key that are used for wireless transactions;
MAS platform Short Message Service Gateway, performs the short message order of MAS Platform Requirements transmission and receives the authorization information sending to MAS platform;
Bank server, performs transaction payment and feeds back payment result information;
Bank short message gateway, performs bank server and requires the short message order of transmission and receive the authorization information sending to bank server;
Bank net WEB, provides hand-held mobile terminal and bank server to realize the interface of transaction payment;
Described hand-held mobile terminal comprises remote communication module and near-field communication module, is respectively used to hand-held mobile terminal and RFID payment terminal machine sets up telecommunication and near-field communication, it is characterized in that:
Described bank net WEB at least comprises bank safety control module, for automatically read hand-held mobile terminal store FRID label information and by the draw bank account cipher-text information of bank's public key encryption, and the FRID label information of described storage is sent to bank server with being encrypted by the draw bank account cipher-text information of bank's public key encryption, described MAS platform Short Message Service Gateway is when performing the short message order that MAS Platform Requirements sends, comprise the encrypted public key and decrypted private key that send to hand-held mobile terminal and RFID payment terminal machine and the dynamic verification code sent to hand-held mobile terminal.
2. intelligent RFID payment terminal according to claim 1, is characterized in that: described RFID payment terminal machine comprises:
Memory cell, storing commodity buys platform software and RFID payment terminal identity information;
RFID processing unit, automatically identifies the communication frequency of hand-held mobile terminal, and automatically can select the communication frequency with hand-held mobile terminal;
Display processing unit, the user interface of display RFID payment terminal machine;
CPU (central processing unit), the instruction that processing RF ID processing unit and communication processing unit send;
Communication processing unit, is responsible for carrying out short message receiving-transmitting with Short Message Service Gateway, dial up on the telephone and carrying out communication with MAS platform.
3. the intelligent RFID payment terminal according to any one of claim 1 or 2, is characterized in that: described near-field communication module comprises 13.56MHz near-field communication module, and the frequency making hand-held mobile terminal and the communication of RFID payment terminal machine is 13.56MHz; 860MHz-960MHz near-field communication module, the frequency making hand-held mobile terminal and the communication of RFID payment terminal machine is 860MHz-960MHz; And 2.45G near-field communication module, the frequency making hand-held mobile terminal and the communication of RFID payment terminal machine is 2.45G.
4. the intelligent RFID payment terminal according to any one of claim 1 or 2, it is characterized in that: described bank short message gateway performs bank server when requiring the short message order sent, comprise the dynamic verification code that sends to hand-held mobile terminal and the sequence information that sends to hand-held mobile terminal and RFID payment terminal machine and successful information of transferring accounts.
5. intelligent RFID payment terminal according to claim 1, is characterized in that: described encrypted public key and decrypted private key are respectively elliptic curve cryptography PKI and elliptic curve decrypted private key.
6. an intelligent RFID method of payment, comprises the following steps:
(1) hand-held mobile terminal selects the RFID payment terminal machine needed to establish the link, and subscriber-coded in user's FRID label information is sent to RFID payment terminal machine;
(2) RFID payment terminal machine is according to subscriber-coded generation order number, commodity purchasing platform is sent to hand-held mobile terminal simultaneously;
(3) hand-held mobile terminal utilizes the purchase platform received to provide article or service to choose function to user, and submits the order chosen to RFID payment terminal machine;
(4) RFID payment terminal machine confirms an order information, and sends the request confirming that remote payment or short range pay to hand-held mobile terminal;
(5) after the modes of payments that user selects is sent to RFID payment terminal machine by hand-held mobile terminal, subscriber-coded encryption is sent to MAS platform by RFID payment terminal machine;
(6) MAS platform decrypted user is encoded and is generated transaction encryption PKI and decrypted private key, is then used for the encrypted public key of concluding the business by MAS platform Short Message Service Gateway by generating and decrypted private key is sent to hand-held mobile terminal and RFID payment terminal machine;
(7) hand-held mobile terminal utilizes the private key received, and deciphering RFID payment terminal machine utilizes sequence information and the merchant information of the public key encryption received;
(8) hand-held mobile terminal and MAS platform carry out authentication, and utilize RFID payment terminal machine to carry out consistency checking to issuing the dynamic verification code through public key encryption that dynamic verification code and the hand-held mobile terminal of MAS platform through public key encryption feed back;
(9) after being proved to be successful, RFID payment terminal machine sends the agreement pay warrant adopting public key encryption to hand-held mobile terminal, after hand-held mobile terminal adopts private key deciphering, starts the bank net WEB with subscriber-coded binding;
(10) user adopts public key encryption to be sent to bank server by the payment information that hand-held mobile terminal is submitted to by bank net WEB, bank server performs payment function after adopting private key deciphering, and order bank short message gateway is to RFID payment terminal machine and hand-held mobile terminal feedback payment result information.
7. a kind of intelligent RFID method of payment according to claim 6, is characterized in that: in described step (1), the one be encoded in user mobile phone number, RFID coding, mobile terminal IMEI number of user.
8. a kind of intelligent RFID method of payment according to claim 7, it is characterized in that: in described step (8), the information that hand-held mobile terminal and MAS platform carry out authentication and need to verify at least comprises user fingerprints, hand-held mobile terminal IMEI number, hand-held mobile terminal LBS information.
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| CN103530804A (en) * | 2013-10-11 | 2014-01-22 | 捷德（中国）信息科技有限公司 | Self-service shopping method, user terminal, merchant background and system |
| CN107360534B (en) * | 2016-05-10 | 2020-12-11 | 上海连尚网络科技有限公司 | Method and equipment for establishing wireless connection |
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|---|---|---|---|---|
| CN101482950A (en) * | 2009-02-12 | 2009-07-15 | 宇龙计算机通信科技(深圳)有限公司 | Network payment method, terminal and system |
| CN101727630A (en) * | 2009-12-01 | 2010-06-09 | 青岛海信移动通信技术股份有限公司 | Mobile terminal payment system and method based on RFID technology |
| CN102073958A (en) * | 2009-11-25 | 2011-05-25 | 天津中兴软件有限责任公司 | System and method for implementing mobile payment |
| CN102546571A (en) * | 2010-12-31 | 2012-07-04 | 国民技术股份有限公司 | Identity authentication system and method |
| CN102779303A (en) * | 2012-08-07 | 2012-11-14 | 上海方付通商务服务有限公司 | Wireless payment system and method on basis of mobile phone |
-
2012
- 2012-12-27 CN CN201210580312.5A patent/CN103077457B/en not_active Expired - Fee Related
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101482950A (en) * | 2009-02-12 | 2009-07-15 | 宇龙计算机通信科技(深圳)有限公司 | Network payment method, terminal and system |
| CN102073958A (en) * | 2009-11-25 | 2011-05-25 | 天津中兴软件有限责任公司 | System and method for implementing mobile payment |
| CN101727630A (en) * | 2009-12-01 | 2010-06-09 | 青岛海信移动通信技术股份有限公司 | Mobile terminal payment system and method based on RFID technology |
| CN102546571A (en) * | 2010-12-31 | 2012-07-04 | 国民技术股份有限公司 | Identity authentication system and method |
| CN102779303A (en) * | 2012-08-07 | 2012-11-14 | 上海方付通商务服务有限公司 | Wireless payment system and method on basis of mobile phone |
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| CN103077457A (en) | 2013-05-01 |
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