CN103729948B - There is the electric paying method of the mobile terminal of NFC and fingerprint function - Google Patents
There is the electric paying method of the mobile terminal of NFC and fingerprint function Download PDFInfo
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- CN103729948B CN103729948B CN201410013849.2A CN201410013849A CN103729948B CN 103729948 B CN103729948 B CN 103729948B CN 201410013849 A CN201410013849 A CN 201410013849A CN 103729948 B CN103729948 B CN 103729948B
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- 238000000034 method Methods 0.000 title claims abstract description 31
- 239000000284 extract Substances 0.000 claims description 13
- 230000003287 optical effect Effects 0.000 claims description 3
- 238000012545 processing Methods 0.000 claims description 2
- 238000000605 extraction Methods 0.000 abstract description 5
- 238000004891 communication Methods 0.000 description 8
- 238000012795 verification Methods 0.000 description 4
- 238000012546 transfer Methods 0.000 description 2
- 238000006243 chemical reaction Methods 0.000 description 1
- 238000005336 cracking Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 230000005611 electricity Effects 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- ZXQYGBMAQZUVMI-GCMPRSNUSA-N gamma-cyhalothrin Chemical compound CC1(C)[C@@H](\C=C(/Cl)C(F)(F)F)[C@H]1C(=O)O[C@H](C#N)C1=CC=CC(OC=2C=CC=CC=2)=C1 ZXQYGBMAQZUVMI-GCMPRSNUSA-N 0.000 description 1
- 230000014759 maintenance of location Effects 0.000 description 1
- 238000012011 method of payment Methods 0.000 description 1
- 230000000717 retained effect Effects 0.000 description 1
- 238000004088 simulation Methods 0.000 description 1
Abstract
The present invention relates to the electric paying method of a kind of mobile terminal with NFC and fingerprint function, the legal identity by fingerprint authentication user at mobile terminal and paying server, and only could open NFC function and the payment accounts information of deciphering extraction user after subscriber authentication is passed through, finally realize electronic payment process, improve customer mobile terminal and the security of payment account information and privacy, it is to avoid disabled user opens NFC function and obtains the hidden danger that user payment accounts information causes to user's property safety.
Description
Technical field
The present invention relates to electronic transaction field, particularly relate to a kind of mobile terminal with NFC and fingerprint function
Electric paying method.
Background technology
Along with developing rapidly of ecommerce, electronic transaction is more and more frequent.Pay by mails in reality and concluded the business
Cheng Zhong, generally carries out money transfer transactions by computer login Web bank, or by the POS of consumption terminal
Carry out the bankcard consumption at scene.Due to existing network easily by hacker's Trojan attack, account password is easily cut
Taking or reveal, bank card is the most easily replicated, and the safety of electronic transaction is by great threat.
Summary of the invention
Technical problem solved by the invention is to provide the electricity of a kind of mobile terminal with NFC and fingerprint function
Sub-method of payment, improves the security of electronic transaction and convenience, it is to avoid user's payment accounts information and pay
Password is illegally intercepted or is revealed the information caused and property safety hidden danger.
For solving above-mentioned technical problem, the present invention provides a kind of mobile terminal with NFC and fingerprint function
Electric paying method, including step: gather user fingerprint image and extract user fingerprints feature, and by it with default
Fingerprint template compares to verify user identity；When user fingerprints authentication is passed through, open NFC merit
The payment accounts information of user preset and can be extracted；The sequence information that businessman provides is received by NFC function,
Described sequence information includes order number, the order amount of money and beneficiary account information；By payment accounts information and ordering
Single information generates payment information, and described payment information and described user fingerprint image is sent by wireless network
To paying server；Described paying server receives described payment information and described user fingerprint image, from described
Fingerprint image extracts the fingerprint characteristic of user and itself and the fingerprint template pre-set is compared with checking
User identity；After subscriber authentication is passed through, described paying server pays according to described payment information,
And return successfully payment information to the mobile terminal of described user.
Preferably, described electric paying method further comprise the steps of: collection user fingerprint image generate fingerprint template enter
Row fingerprint register, and the payment account information of fingerprint template with user is bound.
Preferably, described electric paying method further comprises the steps of: stochastic generation one key, described in double secret key
Payment account information is encrypted；After user fingerprints authentication is passed through, extract described key and deciphering obtains
Described payment account information.
Preferably, add solution described in and deciphering uses DES algorithm.
Preferably, described electric paying method further comprises the steps of: paying server and receives the fingerprint template of user,
And it is bound with payment accounts information.
Preferably, described electric paying method further comprises the steps of: described paying server and sends successfully payment information
The terminal specified to described beneficiary account information.
Preferably, described mobile terminal includes that fingerprint sensor, described fingerprint sensor are optical fingerprint sensing
One in device, capacitive fingerprint sensing device and RF-type fingerprint sensor.
Preferably, described mobile terminal also includes that the fingerprint image being connected with CPU processes chip, for referring to
Print image carries out processing to extract the fingerprint characteristic of user.
Preferably, the one during described mobile terminal is mobile phone, panel computer, palm PC, notebook computer.
The electric paying method of the mobile terminal with NFC and fingerprint function that the present invention provides, mobile whole
End and paying server by the legal identity of fingerprint authentication user, and only in subscriber authentication by rear
NFC function and the payment accounts information of deciphering extraction user can be opened, finally realize electronic payment process, this
Sample improves customer mobile terminal and the security of payment account information and privacy, it is to avoid disabled user's unlatching
The hidden danger that NFC function and acquisition user's payment accounts information cause to user's property safety.
Accompanying drawing explanation
Fig. 1 is the electric paying method of the mobile terminal with NFC and fingerprint function of the embodiment of the present invention
Flow chart.
Detailed description of the invention
The present invention provides the electric paying method of a kind of mobile terminal with NFC and fingerprint function, for making this
Purpose, technical scheme and the effect of invention are clearer, clear and definite, referring to the drawings and give an actual example to the present invention
Further describe.
Mobile terminal of the present invention can be any electronic equipment that can move communication, such as mobile phone,
Panel computer, palm PC and notebook computer etc..Described electronic equipment has fingerprint sensor and NFC (Near
Field Communication, Near Field Communication) module so that it is correspondingly have fingerprint identity recognition function and
Close range communication function.
Described fingerprint sensor can be optical fingerprint sensor, capacitive fingerprint sensing device or RF-type fingerprint
Sensing, described fingerprint sensor is arranged on the outer surface of described mobile terminal, and fingertip depression can be existed by user
Fingerprint image is gathered on the acquisition window of fingerprint sensor.It is understood that described mobile terminal also should wrap
Include the fingerprint image being connected with CPU and process chip, for being entered by the fingerprint image that described fingerprint sensor gathers
Row processes to extract the fingerprint characteristic of user.
Described NFC module includes NFC antenna and NFC controller, and described NFC controller is for numeral number
According to the mutual conversion with analogue data, described NFC antenna is then for sending external equipment or receiving simulation
Data, mutual to the data communication of external equipment to realize.
As it is shown in figure 1, a kind of mobile terminal with NFC and fingerprint function of embodiment of the present invention offer
Electric paying method includes step:
S1: gather user fingerprint image and extract user fingerprints feature, and it is compared with preset fingerprint template
To verify user identity.
Concrete, user's finger presses the fingerprint collecting window of described mobile terminal, by described fingerprint sensor
Gather the fingerprint image of user, then process chip by described fingerprint image and described fingerprint image is processed
Extract the fingerprint characteristic of user.The finger that the user fingerprints feature of extraction is prestored by described mobile terminal with user
Line template is compared, if both similarities exceed predetermined threshold, then judges that finger print identification verification passes through, no
Then finger print identification verification does not passes through.
It is understood that before finger print identification verification step, the step that Fingerprint Identity is registered also should be included:
Gather user fingerprint image generation fingerprint template and carry out fingerprint register, and by the payment account of fingerprint template Yu user
Information is bound.For unified finger multi collect fingerprint image, the characteristic synthetic that then takes the fingerprint generates and refers to
Line template.
S2: when user fingerprints authentication is passed through, opens NFC function and extracts paying a bill of user preset
Number information.
After only the authentication of user is passed through, just can give user and open NFC module to realize setting with external
Standby close range communication function, and extract the payment accounts information of user preset, so drastically increase use
Family mobile terminal and the security of payment account information and privacy, it is to avoid disabled user opens NFC function
The hidden danger caused to user's property safety with acquisition user's payment accounts information.
When the authentication of user is not passed through, display or loudspeaker prompting by described mobile terminal are current
User re-enter fingerprint, again carry out fingerprint authentication step.When fingerprint authentication is not pre-by continuing to exceed
When determining number of times, in order to avoid the information security cracking and ensureing mobile terminal of disabled user, lock described movement
Terminal.
In the present embodiment, the payment accounts information of described user preset is 987654321, by key DES
It is stored in after algorithm for encryption in the safe storage of described mobile terminal.Ability after only finger print identification verification passes through
Extract described key, then obtain described payment accounts information by the deciphering of described key DES algorithm.Can
To be understood by, described key is the randomizer by described mobile terminal and the generation of DES algorithm.
S3: by NFC function receive businessman provide sequence information, described sequence information include order number,
The order amount of money and beneficiary account information.
The external equipment of NFC function is had been switched on, when scanning businessman near described mobile scanning terminal
Password authentification connecting communication is carried out during NFC device.The order of the user generated is believed by the equipment of described businessman
Breath is sent to the mobile terminal of described user.The form of described sequence information is the transaction system of the equipment according to businessman
System generates, including order number, the order amount of money and beneficiary account information.In the present embodiment, described order
The form of information is the sequence information of " order number # order amount of money # beneficiary account ", such as
" XF0025#3000#123456789 ", the order number of generation is XF0025, treats the gathering to 123456789
Account pays 3000 yuan.Of course, it should be understood that the form of described sequence information can be other businessman
The data form that transaction system can generate and read, it is also possible to include more transaction data information.
In the present embodiment, the mobile terminal of described user directly carries out communication friendship by the equipment of NFC with businessman
Mutually, the most fast and intuitively obtain sequence information, be effectively increased the efficiency of electronic transaction.
S4: generate payment information by payment accounts information and sequence information, and by described payment information and described
User fingerprint image is sent to paying server by wireless network.
Described mobile terminal, will user's payment accounts information of extraction in S2 step after receiving sequence information
Generating payment information in conjunction with described sequence information, the most described payment information includes payment accounts information, gathering
Side's account information, order number and the order amount of money.The form that described payment information generates is " payment accounts information #
The beneficiary account information # order number # order amount of money ", in the present embodiment, ultimately generating payment information is
“987654321#123456789#XF0025#3000”.Described payment information can be by the net of embedded in mobile phone
The cell-phone customer terminal that goes to bank generates, it is also possible to by other electronic transaction Program Generating.
S5: described paying server receives described payment information and user fingerprint image, extracts from fingerprint image
It also is compared to verify user identity by the fingerprint characteristic of user with the fingerprint template pre-set.
Described paying server is the webserver with payment function, can according to the payment instruction of user or
Payment information realizes the payment of currency or transfers accounts, such as Web bank's paying server, Alipay server or
Person's wechat paying server etc..Before carrying out E-Payment business by described paying server, user needs
First carry out fingerprint register the service provider providing described E-Payment business, obtain payment accounts information and
The fingerprint template of user is retained there by described electronic payment service provider.Described electronic payment service provider leads to
Cross the fingerprint characteristic by user submits to mate with the fingerprint template of retention, to verify the legal identity of user.
It is understood that described paying server is before by fingerprint authentication user identity step, also should
Step including the binding of fingerprint account: paying server receives the fingerprint template of user, and by itself and payment accounts
Information is bound.
S6: after subscriber authentication is passed through, described paying server pays according to described payment information,
And return successfully payment information to the mobile terminal of described user.
So, user just successfully passes through and has the mobile terminal of NFC and fingerprint function and complete to pay by mails.
User can confirm on-the-spot for described successful payment information to businessman's viewing, it is also possible to by mobile terminal channel radio
News or NFC mode are sent to the equipment of businessman, and after businessman confirms, successful payment just can complete commodity or service
Payment.
Certainly, successfully paying to allow businessman can confirm that as early as possible, described paying server sends successfully payment information
The terminal specified to described beneficiary account information.Such as, success payment information is sent to beneficiary account letter
The mobile phone of breath specified mobile phone number, the mailbox specifying account or MSN.
In sum, the present invention provides the E-Payment side of a kind of mobile terminal with NFC and fingerprint function
Method, the legal identity by fingerprint authentication user at mobile terminal and paying server, and only at user identity
NFC function and the payment accounts information of deciphering extraction user could be opened after being verified, finally realize electronics
Payment process, which enhances customer mobile terminal and the security of payment account information and privacy, it is to avoid
Disabled user opens NFC function and obtains the hidden danger that user's payment accounts information causes to user's property safety.
It is understood that for those of ordinary skills, can according to technical scheme and
Its inventive concept in addition equivalent or change, and all these change or replace all should belong to appended by the present invention
Scope of the claims.
Claims (9)
1. the electric paying method of a mobile terminal with NFC and fingerprint function, it is characterised in that bag
Include step:
Gather user fingerprint image and extract user fingerprints feature, and compare to test with preset fingerprint template by it
Card user identity；
When user fingerprints authentication is passed through, open NFC function and extract the payment accounts letter of user preset
Breath；
Receiving, by NFC function, the sequence information that businessman provides, described sequence information includes order number, order
The amount of money and beneficiary account information；
Payment information is generated by payment accounts information and sequence information, and by described payment information and described user
Fingerprint image is sent to paying server by wireless network；
Described paying server receives described payment information and described user fingerprint image, from described fingerprint image
Extract the fingerprint characteristic of user and compare to verify user identity with the fingerprint template pre-set by it；
After subscriber authentication is passed through, described paying server pays according to described payment information, and to
The mobile terminal of described user returns successfully payment information.
There is the electric paying method of the mobile terminal of NFC and fingerprint function the most as claimed in claim 1,
It is characterized in that, further comprise the steps of: collection user fingerprint image generation fingerprint template and carry out fingerprint register, and will
The payment accounts information of fingerprint template and user is bound.
There is the electric paying method of the mobile terminal of NFC and fingerprint function the most as claimed in claim 2,
It is characterized in that, further comprise the steps of: stochastic generation one key, carried out by payment accounts information described in double secret key
Encryption；After user fingerprints authentication is passed through, extract described key and deciphering obtains described payment accounts information.
There is the electric paying method of the mobile terminal of NFC and fingerprint function the most as claimed in claim 3,
It is characterized in that, described encryption and deciphering use DES algorithm.
There is the electric paying method of the mobile terminal of NFC and fingerprint function the most as claimed in claim 1,
It is characterized in that, further comprise the steps of: paying server and receive the fingerprint template of user, and by itself and payment accounts
Information is bound.
There is the electric paying method of the mobile terminal of NFC and fingerprint function the most as claimed in claim 1,
It is characterized in that, further comprise the steps of: described paying server send successfully payment information to described beneficiary account
The terminal that information is specified.
There is the electric paying method of the mobile terminal of NFC and fingerprint function the most as claimed in claim 1,
It is characterized in that, described mobile terminal includes that fingerprint sensor, described fingerprint sensor are optical fingerprint sensing
One in device, capacitive fingerprint sensing device and RF-type fingerprint sensor.
There is the electric paying method of the mobile terminal of NFC and fingerprint function the most as claimed in claim 1,
It is characterized in that, described mobile terminal also includes that the fingerprint image being connected with CPU processes chip, for referring to
Print image carries out processing to extract the fingerprint characteristic of user.
There is the electric paying method of the mobile terminal of NFC and fingerprint function the most as claimed in claim 1,
It is characterized in that, described mobile terminal is the one in mobile phone, panel computer, palm PC, notebook computer.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410013849.2A CN103729948B (en) | 2014-01-13 | 2014-01-13 | There is the electric paying method of the mobile terminal of NFC and fingerprint function |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410013849.2A CN103729948B (en) | 2014-01-13 | 2014-01-13 | There is the electric paying method of the mobile terminal of NFC and fingerprint function |
Publications (2)
| Publication Number | Publication Date |
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| CN103729948A CN103729948A (en) | 2014-04-16 |
| CN103729948B true CN103729948B (en) | 2016-09-07 |
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| CN201410013849.2A Active CN103729948B (en) | 2014-01-13 | 2014-01-13 | There is the electric paying method of the mobile terminal of NFC and fingerprint function |
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| CN103955823A (en) * | 2014-05-14 | 2014-07-30 | 金陵科技学院 | High-security portable collection and payment method |
| CN103956006B (en) * | 2014-05-14 | 2016-06-08 | 金陵科技学院 | The portable bank settlement device of high security |
| CN104065670A (en) * | 2014-07-05 | 2014-09-24 | 陈予备 | Login method through fingerprint identification |
| CN104899728B (en) * | 2014-09-23 | 2020-08-14 | 腾讯科技（深圳）有限公司 | Account data transfer method and related equipment and system |
| CN104574052B (en) * | 2015-01-30 | 2018-04-27 | 深圳飞人网络信息技术有限公司 | The method of payment and system of authentication are carried out based on 3D line holographic projections |
| CN104732394A (en) * | 2015-02-15 | 2015-06-24 | 金硕澳门离岸商业服务有限公司 | Internet payment method and internet payment device |
| CN104778587A (en) * | 2015-03-18 | 2015-07-15 | 广东欧珀移动通信有限公司 | Safety payment method and device |
| CN104852966B (en) * | 2015-04-21 | 2019-04-12 | 小米科技有限责任公司 | Numeric value transfer, terminal and cloud server |
| CN105139205A (en) * | 2015-08-18 | 2015-12-09 | 宇龙计算机通信科技(深圳)有限公司 | Payment verification method, terminal and server |
| CN105184567B (en) * | 2015-08-26 | 2019-06-11 | 宇龙计算机通信科技(深圳)有限公司 | Processing method, processing unit and the mobile terminal of information |
| CN105225102A (en) * | 2015-09-08 | 2016-01-06 | 上海易码信息科技有限公司 | Method of mobile payment and the wearable mobile payment device for the method under line |
| CN106535082B (en) * | 2015-09-09 | 2021-07-06 | 腾讯科技（深圳）有限公司 | Data processing method, device and system |
| CN105447366A (en) * | 2015-11-11 | 2016-03-30 | 广州神马移动信息科技有限公司 | Registration or login method and apparatus, electronic device, and programmable device |
| CN105719141A (en) * | 2016-01-19 | 2016-06-29 | 广东欧珀移动通信有限公司 | Payment method and device |
| CN205507872U (en) * | 2016-03-31 | 2016-08-24 | 中国银联股份有限公司 | Mobile payment terminal and payment systems |
| CN105868983A (en) * | 2016-04-26 | 2016-08-17 | 北京小米移动软件有限公司 | Information output control method and device and intelligent terminal |
| CN106056388A (en) * | 2016-07-28 | 2016-10-26 | 刘鑫 | Fingerprint password dynamic password device and using method thereof |
| CN106372891A (en) * | 2016-08-23 | 2017-02-01 | 努比亚技术有限公司 | Payment method and apparatus, and mobile terminal |
| CN107085900B (en) * | 2017-03-22 | 2019-05-07 | 百富计算机技术（深圳）有限公司 | Data processing method, device, system and POS terminal |
| CN107506998B (en) * | 2017-09-02 | 2021-08-17 | 芽米科技(广州)有限公司 | Fingerprint password payment method, device and system based on NFC verification |
| CN110363518A (en) * | 2018-04-10 | 2019-10-22 | 上海擎感智能科技有限公司 | Public transport method of payment and system, smart phone and public transport terminal based on smart phone |
| CN109472587B (en) * | 2018-10-23 | 2022-03-29 | 汪海彬 | Mobile payment method and system |
| CN112019977A (en) * | 2020-09-04 | 2020-12-01 | 广州郝舜科技有限公司 | Audio acquisition device for big data acquisition |
| CN112465507B (en) * | 2021-01-22 | 2021-04-20 | 支付宝(杭州)信息技术有限公司 | Payment service implementation method and device |
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| CN1514635A (en) * | 2003-04-29 | 2004-07-21 | 叶丰平 | Method of realizing mobile electronic business using finger print intelligence terminal and intelligent hand set |
| US8626591B2 (en) * | 2007-08-30 | 2014-01-07 | Mastercard International Incorporated | Methods, systems, and computer program products for storing usual order preference data for recurrent orders |
| CN102789587A (en) * | 2011-05-20 | 2012-11-21 | 陶礼安 | Smart card, smart card reader and smart card operation method |
| CN102855562A (en) * | 2012-09-11 | 2013-01-02 | 守望者科技（北京）有限公司 | NFC (near field communication) mobile terminal and payment method |
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Denomination of invention: Electronic payment method of mobile terminal with NFC (near field communication) and fingerprint functions Effective date of registration: 20180626 Granted publication date: 20160907 Pledgee: Bank of Jiangsu Limited by Share Ltd Shenzhen branch Pledgor: Yaluete Biological Identification Science and Technology Co., Ltd., Shenzhen City Registration number: 2018440020039 |
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Address after: T2-a2-a, Gaoxin industrial village, no.022, Gaoxin South 7th Road, Nanshan District, Shenzhen City, Guangdong Province, 518057 Patentee after: Shenzhen yaliote Technology Co.,Ltd. Address before: T2-a2-a, Gaoxin industrial village, no.022, Gaoxin South 7th Road, Nanshan District, Shenzhen City, Guangdong Province, 518057 Patentee before: SHENZHEN ARATEK BIOMETRICS TECHNOLOGY Co.,Ltd. |
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