CN103258264A - Payment method and device based on NFC - Google Patents
Payment method and device based on NFC Download PDFInfo
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- CN103258264A CN103258264A CN 201310220849 CN201310220849A CN103258264A CN 103258264 A CN103258264 A CN 103258264A CN 201310220849 CN201310220849 CN 201310220849 CN 201310220849 A CN201310220849 A CN 201310220849A CN 103258264 A CN103258264 A CN 103258264A
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Abstract
The invention discloses a payment method and device based on NFC. The payment method is an instant payment method which is structured by a third party payment platform and two NFC terminals and aims at a third party. A payer applies to the third party for a payment secret key, payment amount is read by a payer NFC terminal from a Pos machine of a paid party through the NFC, the payment secret key is used for carrying out encryption on payment information, a payment document is generated and then transferred to the Pos machine through the NFC, and the Pos machine further transfers the payment document and information of the Pos machine to the third party payment platform to finish payment. According to the payment method, a payment account and passwords do not need to be exposed to the paid party, original payment processes and an original system are not changed, convenient, quick and safe payment is achieved, and new user payment experience is added.
Description
Technical field
The present invention relates to a kind of method of payment based on NFC and equipment, belong to the financial payment field.
Background technology
Along with the development of electronic information technology, the change of consumption habit, the payment demand of card-scanning type is more and more, requires more and more higher to security of payment, convenience.In existing on-site payment mode, payer is being swiped the card by the Pos machine of payer, the input password, and then sign on the Pay Bill, method of payment is not only loaded down with trivial details, and security can not get enough assurances, though Pos machine manufacturer is in the supervision scope of financial institution, but the Pos machine is not in the supervision scope, and the case that bank card is replicated, password is cut becomes ascendant trend.
Summary of the invention
Purpose of the present invention is in order to solve the defective of above-mentioned prior art, a kind of method of payment based on NFC and equipment to be provided, and this method makes payment become more quick, and safety is more secure, and does not change existing payment flow and custom.
Purpose of the present invention can reach by taking following technical scheme:
With third party's payment platform and two NFC terminals make up at third-party real-time payment method, may further comprise the steps:
1) payer is applied for the needed information of payment authorization to the third party, and the needed information of payment authorization comprises for encrypting the used payment secret key of payment information;
2) payer NFC terminal uses the payment secret key that obtains in the step 1) that payment information is encrypted, and produces evidence for payment and passes to by the NFC terminal of payer by NFC;
3) again evidence for payment is added that the information of oneself passes to third party's payment platform by the NFC terminal of payer;
4) corresponding secret key is decrypted evidence for payment in third party's payment platform use step 1), confirms payment result and feedback.
According to said method, step 2) neutralization procedure 4) in described secret key be respectively public spoon and private spoon in the asymmetric calculation cryptographic algorithm that step 1) produces.
According to said method, step 2) in payment information comprise the payment of payer input or by the payment of NFC from being read by the NFC terminal of payer.
According to said method, step 2) in payment information comprise the payment ID that constantly increases progressively, the payment ID that the evidence for payment in the step 4) comprises smaller or equal to or during much larger than the payment ID of history payment, this evidence for payment is invalid.
According to said method, step 2) in payment information comprise by NFC from read by the NFC terminal of payer by the accounts information of payer.
According to said method, when wholesale is paid, step 2) payment information in comprises payment cipher, otherwise, step 2) in payment information do not comprise payment cipher.
According to said method, the NFC terminal of payer is the mobile phone with NFC function.
According to said method, be the Pos machine with NFC function by the NFC terminal of payer.
The present invention also provides a kind of equipment, and this equipment can begin to transform from existing P os machine, it is characterized in that:
1) described equipment possesses the NFC function;
2) described equipment transmits payment information by NFC;
3) described equipment receives the evidence for payment of encrypting by NFC;
4) described equipment connects third party's payment platform, and evidence for payment and the information of oneself are passed to third party's payment platform, and accepts the payment result feedback.
The present invention has following beneficial effect with respect to prior art.
The present invention uses NFC technology Data transmission between two NFC terminals, and is convenient and swift;
The NFC terminal of payer has been carried out the asymmetric arithmetic encryption to payment information, and the information of payer can not revealed; Comprise the payment ID that increases progressively in the payment information, the use of the evidence for payment that energy effective monitoring payer is sent avoids evidence for payment to be repeated to use; Small amount payment does not comprise payment cipher in the payment information, can reach the effect of the credit card of existing no password, and the NFC terminal of payer can be the NFC label, can make the NFC mobile phone of non-open state.During the wholesale payment, can import payment cipher at the NFC of payer mobile phone; At the equipment that existing P os machine is transformed, can use existing payment flow and custom, payer only needs just can finish payment to the NFC terminal of oneself near transformed Pos machine.
Description of drawings
Fig. 1 is the schematic flow sheet of method of payment of the present invention.
Embodiment
Embodiment 1:
The method of payment based on NFC of present embodiment adopts the NFC mobile phone of third party's payment platform, payer and is realized by the Pos machine with NFC function of payer, as shown in Figure 1, may further comprise the steps:
1) payer is applied for the needed information of payment authorization to the third party, and the needed information of payment authorization comprises for encrypting the used payment secret key of payment information, and a payment secret key is write in the NFC chip of NFC mobile phone, and the third party keeps with respect to secret key;
2) payer is close by the Pos machine of payer the NFC mobile phone, the NFC mobile phone can be gone into payment from Pos is machine-readable by NFC, the NFC mobile phone can be the amount of money of the number of the account of payment, payment, when payment ID(wholesale is paid, also have payment cipher) use that the payment secret key is encrypted in the NFC chip, produce evidence for payment and pass to by the Pos machine of payer by NFC;
3) again evidence for payment is added that the accounts information of oneself passes to third party's payment platform by the Pos machine of payer;
4) third party's payment platform uses the corresponding secret key that keeps in the step 1) that evidence for payment is decrypted, and confirms payment result and feeds back to the Pos machine.
In the present embodiment, payer only needs the NFC mobile phone near just being finished small amount payment by the Pos machine of payer, in step 2) preceding, payer is imported payment cipher at mobile phone in advance, just can realize the wholesale payment.
Claims (10)
1. based on the method for payment of NFC, it is characterized in that: with third party's payment platform and two NFC terminals make up at third-party real-time payment method, may further comprise the steps:
1) payer is applied for the needed information of payment authorization to the third party, and the needed information of payment authorization comprises for encrypting the used payment secret key of payment information;
2) payer NFC terminal uses the payment secret key that obtains in the step 1) that payment information is encrypted, and produces evidence for payment and passes to by the NFC terminal of payer by NFC;
3) again evidence for payment is added that the information of oneself passes to third party's payment platform by the NFC terminal of payer;
4) corresponding secret key is decrypted evidence for payment in third party's payment platform use step 1), confirms payment result and feedback.
2. the method for payment based on NFC according to claim 1 is characterized in that: step 2) neutralization procedure 4) in described secret key be respectively public spoon and private spoon in the asymmetric calculation cryptographic algorithm that step 1) produces.
3. the method for payment based on NFC according to claim 1 is characterized in that: step 2) in payment information comprise the payment of payer input or by the payment of NFC from being read by the NFC terminal of payer.
4. the method for payment based on NFC according to claim 1, it is characterized in that: step 2) in payment information comprise the payment ID that constantly increases progressively, the payment ID that evidence for payment in the step 4) comprises smaller or equal to or during much larger than the payment ID of history payment, this evidence for payment is invalid.
5. the method for payment based on NFC according to claim 1 is characterized in that: step 2) in payment information comprise by NFC from read by the NFC terminal of payer by the accounts information of payer.
6. the method for payment based on NFC according to claim 1 is characterized in that: when wholesale is paid, step 2) in payment information comprise payment cipher, otherwise, step 2) in payment information do not comprise payment cipher.
7. the method for payment based on NFC according to claim 1, it is characterized in that: the NFC terminal of payer is the mobile phone with NFC function.
8. the method for payment based on NFC according to claim 1 is characterized in that: be the Pos machine with NFC function by the NFC terminal of payer.
9. the payment devices based on NFC is by the NFC terminal of payer, it is characterized in that:
1) described equipment possesses the NFC function;
2) described equipment transmits payment information by NFC;
3) described equipment receives the evidence for payment of encrypting by NFC;
4) described equipment connects third party's payment platform, and evidence for payment and the information of oneself are passed to third party's payment platform, and accepts the payment result feedback.
10. the payment devices based on NFC according to claim 9, it is characterized in that: described equipment possesses existing Pos machine function.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201310220849 CN103258264A (en) | 2013-06-06 | 2013-06-06 | Payment method and device based on NFC |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201310220849 CN103258264A (en) | 2013-06-06 | 2013-06-06 | Payment method and device based on NFC |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN103258264A true CN103258264A (en) | 2013-08-21 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 201310220849 Pending CN103258264A (en) | 2013-06-06 | 2013-06-06 | Payment method and device based on NFC |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103793816A (en) * | 2014-02-18 | 2014-05-14 | 中国联合网络通信集团有限公司 | NFC equipment payment method and NFC equipment |
| CN103955830A (en) * | 2014-04-27 | 2014-07-30 | 谭希韬 | Mobile bank transaction anti-fake method and system based on position |
| CN104021473A (en) * | 2014-05-30 | 2014-09-03 | 刘劲彤 | Safe payment method of visual financial card |
| CN105376704A (en) * | 2015-12-18 | 2016-03-02 | 宁波大学 | Mobile wallet near-field communication payment method based on image encryption |
| CN105512883A (en) * | 2015-12-18 | 2016-04-20 | 宁波大学 | Payment encryption method for mobile wallets based on near-field communication |
| CN105574721A (en) * | 2015-12-18 | 2016-05-11 | 宁波大学 | Market consumption fast payment method based on near field communication |
| CN105608574A (en) * | 2015-12-18 | 2016-05-25 | 宁波大学 | Near-field communication payment method based on optimal relay cooperation |
| US11410156B2 (en) | 2017-06-30 | 2022-08-09 | Huawei Technologies Co., Ltd. | NFC payment method and terminal |
-
2013
- 2013-06-06 CN CN 201310220849 patent/CN103258264A/en active Pending
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103793816A (en) * | 2014-02-18 | 2014-05-14 | 中国联合网络通信集团有限公司 | NFC equipment payment method and NFC equipment |
| CN103955830A (en) * | 2014-04-27 | 2014-07-30 | 谭希韬 | Mobile bank transaction anti-fake method and system based on position |
| CN104021473A (en) * | 2014-05-30 | 2014-09-03 | 刘劲彤 | Safe payment method of visual financial card |
| CN105376704A (en) * | 2015-12-18 | 2016-03-02 | 宁波大学 | Mobile wallet near-field communication payment method based on image encryption |
| CN105512883A (en) * | 2015-12-18 | 2016-04-20 | 宁波大学 | Payment encryption method for mobile wallets based on near-field communication |
| CN105574721A (en) * | 2015-12-18 | 2016-05-11 | 宁波大学 | Market consumption fast payment method based on near field communication |
| CN105608574A (en) * | 2015-12-18 | 2016-05-25 | 宁波大学 | Near-field communication payment method based on optimal relay cooperation |
| CN105376704B (en) * | 2015-12-18 | 2019-01-22 | 宁波大学 | Mobile wallet near-field communication method of payment based on image encryption |
| CN105608574B (en) * | 2015-12-18 | 2019-04-09 | 宁波大学 | Near-field communication method of payment based on best relay cooperation |
| CN105574721B (en) * | 2015-12-18 | 2019-04-09 | 宁波大学 | Consume quick payment method in market based on near-field communication |
| CN105512883B (en) * | 2015-12-18 | 2019-11-12 | 宁波大学 | Mobile wallet near-field communication pays encryption method |
| US11410156B2 (en) | 2017-06-30 | 2022-08-09 | Huawei Technologies Co., Ltd. | NFC payment method and terminal |
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Application publication date: 20130821 |