CN107506998A - Fingerprint password payment method, device and system based on NFC verification - Google Patents

Fingerprint password payment method, device and system based on NFC verification Download PDF

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Publication number
CN107506998A
CN107506998A CN201710782299.4A CN201710782299A CN107506998A CN 107506998 A CN107506998 A CN 107506998A CN 201710782299 A CN201710782299 A CN 201710782299A CN 107506998 A CN107506998 A CN 107506998A
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China
Prior art keywords
checking
network payment
nfc
identification
intelligent movable
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CN201710782299.4A
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Chinese (zh)
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CN107506998B (en
Inventor
刘兴丹
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Hangzhou Fulcrum Brand management Co.,Ltd.
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Individual
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Priority to CN201710782299.4A priority Critical patent/CN107506998B/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a fingerprint password payment method, a device and a system based on NFC verification, which comprises the following steps: the payee equipment generates the transaction information for network payment; the user enters a payment page in the bound users, and after fingerprint password identification and verification are carried out, the functions of an NFC module in the mobile intelligent device are unlocked and started; sending the user information of the mobile intelligent device to a payee NFC device; the NFC module of the mobile intelligent equipment and the NFC device of the payee perform first identification and verification; after the first identification and the verification pass, the NFC device and the equipment of the payee perform second identification and verification with a network payment server through a network, wherein the second identification and verification comprise: verifying the NFC result, and verifying the encryption algorithm and the decryption algorithm; sending the transaction information of the network payment to the network payment server for verification; the security of the network payment password is ensured by realizing indirect fingerprint password verification.

Description

Method, apparatus, the system that a kind of finger-print cipher based on NFC checkings is paid
Technical field
The present invention relates to fingerprint payment cipher, more particularly to the network payment of the finger-print cipher by NFC checkings.
Background technology
Existing finger-print cipher, the function of input password can be realized very well.Also, have been applied in network payment. Serve and conveniently input password and good privacy.Also, widely popularized in unblock described in mobile phone.But it is also It is certain security risk be present.Such as:The finger mould of duplication.But, with the application and popularization of biological fingerprint identification technology, peace Full property is more preferable.But finger-print cipher information is possible to be stolen in the transmission, cracked.
The content of the invention
To solve problem of the prior art, the present invention provides a kind of by being verified described in NFC, identifying that fingerprint is close Code.By rear, the network payment server as described in the equipment of beneficiary or the NFC device cloud is completed described in network payment transaction Checking.Again, by rear, network money transfer transactions payment process is realized.
To achieve the above object, the invention provides a kind of method that finger-print cipher based on NFC checkings is paid, its feature It is, this method is applied to NFC checking finger-print ciphers and carries out network payment, including:
Method, apparatus of collecting money generates Transaction Information described in network payment;
User is in the user of binding, into the page is paid, after carrying out the finger-print cipher identification, checking, unlocks and opens Open NFC module function in the intelligent movable equipment;And the intelligent movable equipment user information is sent to beneficiary NFC dresses Put;
NFC module described in the intelligent movable equipment carries out the first identification, checking with NFC device described in the beneficiary;
After being verified described in first identification, NFC device, equipment described in the beneficiary are by network with network payment server The second identification, checking are carried out, second identification, is verified, including:Checking, the Encrypt and Decrypt described in NFC near-field communication results Proof of algorithm;And Transaction Information described in the network payment is sent to the network payment server and verified;
Meanwhile the user sends the described first identification, the result and finger-print cipher recognition result to the network payment Server;
After the network payment server is by the described second identification, checking, the institute that the intelligent movable equipment is sent is compared State the first identification, the result;It is described be verified after, the Transaction Information is sent into the intelligent movable equipment and carried out Confirm;
The page is paid described in the intelligent movable equipment and receives the Transaction Information, virtual confirmation button is clicked on and is confirmed, will Confirm that result is sent to the network payment server;
The network payment server receives and the checking confirms result, and performs network payment transaction;
Transaction Information described in the network payment is respectively sent in the gathering method, apparatus and the intelligent movable equipment;
Received in the intelligent movable equipment and show network payment transaction successfully notice.
Further, the network payment server does not receive the finger print information of the intelligent movable equipment and close directly Code.
Further, the NFC device, the intelligent movable equipment simultaneously believe the unique ID number of other side, the transaction Breath and itself unique ID number, which are sent into the network payment server, carries out the mutually checking.
Further, the NFC device, module pass through the trade gold in the Transaction Information in the verification process Volume carries out the computing of the random code of correlation as random code in AES formula.
Further, the gathering method, apparatus barcode scanning or the intelligent movable is received by NFC device described in beneficiary set Standby middle payment Quick Response Code, carries out network payment.
Further, the device that a kind of finger-print cipher based on NFC checkings is paid, it is characterised in that including.
Further, Transaction Information module, Transaction Information described in the network payment is generated for the gathering method, apparatus.
Further, fingerprint identification module, for the user in the intelligent movable device clients of binding, enter Enter the payment page, carry out password identification described in the fingerprint, after checking, it is described to unlock and open the intelligent movable equipment Described in NFC module function;And send NFC device described in user profile to beneficiary described in the intelligent movable equipment.
Further, NFC authentication modules, filled for NFC module described in the intelligent movable equipment with NFC described in beneficiary Put and carry out first identification, checking.
Further, beneficiary checking, communication module, after being verified described in the first identification, NFC described in beneficiary Device, equipment carry out second identification, checking by network with the network payment server, second identification, verify, Including:Checking, the Encrypt and Decrypt proof of algorithm described in the NFC near-field communications result;And it will be merchandised described in the network payment Information sends to the network payment server and carries out the checking.
Further, paying party checking, communication module, for simultaneously, the intelligent movable device clients are by described the One identification, the result and finger-print cipher recognition result are sent to the network payment server.
Further, the authentication module of server first, identify, test by described second for the network payment server After card, first identification, the result that the intelligent movable equipment is sent are compared;It is described be verified after, will described in Transaction Information, which is sent into the intelligent movable equipment, to be confirmed.
Further, receiving module, the Transaction Information, point are received for paying the page described in the intelligent movable equipment Hit virtual confirmation button to be confirmed, will confirm that result is sent to the network payment server.
Further, the authentication module of server second, is received for the network payment server and the checking confirms As a result, and perform network payment transaction.
Further, sending module, for Transaction Information described in the network payment to be respectively sent into the beneficiary In equipment and the intelligent movable equipment.
Further, receiving submodule, for receive and show in the intelligent movable equipment network payment transaction into The notice of work(.
Further, server receiving module, the intelligent movable is not received directly for the network payment server The finger print information and password of equipment.
Further, communication module, for the NFC device, the intelligent movable equipment simultaneously by the unique ID of other side Number, the Transaction Information and itself unique ID number send into the network payment server and carry out the mutually checking.
Further, random code module, for the NFC device, module in the verification process, the transaction is passed through Dealing money in information carries out the computing of the random code of correlation as random code in AES formula.
Further, NFC verifies submodule, for the gathering method, apparatus barcode scanning or passes through NFC device described in beneficiary Quick Response Code of being paid the bill in the intelligent movable equipment is received, carries out network payment.
Further, the system that a kind of finger-print cipher based on NFC checkings is paid, it is characterised in that including.
Further, intelligent movable equipment:By fingerprint recognition when being paid for network trading, start the NFC module, Realize the checking with NFC device described in the gathering method, apparatus.
Further, gathering method, apparatus:For generating the Transaction Information, by the NFC device with the mobile intelligence Can the first identification of equipment progress checking;After the checking, carry out described second with the network payment server and know Not, checking.
Further, network payment server:Sent for receiving the gathering method, apparatus and the intelligent movable equipment The checking request, and carry out the checking;After the checking, implement network payment transaction.
In embodiments of the present invention:By described in NFC verify, identify finger-print cipher, and with described in beneficiary NFC device carries out the checking of equipment and password.By rear, taken by the NFC device of beneficiary with the network payment The checking of business device only payment transaction.So, prevent from finger-print cipher and transmit caused leakage in a network.Because refer to Line password is not transmitted in a network, can prevent from stealing the possibility of finger-print cipher by network.The NFC of beneficiary Device by unsymmetrical tridiagonal matrix algorithm and formula with the mutually described checking of network payment, the intelligent movable facility information it is true Reality.By realizing checking described in indirect finger-print cipher, ensure the security of network payment password.
Technical scheme in order to illustrate the embodiments of the present invention more clearly, make required in being described below to embodiment Accompanying drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the present invention, for For those of ordinary skill in the art, on the premise of not paying creative work, other can also be obtained according to these accompanying drawings Accompanying drawing.
Fig. 1 is that the embodiment of the present invention is paid from system using a kind of finger-print cipher based on NFC checkings of angle introduction The schematic diagram of system.
Fig. 2 is a kind of finger-print cipher branch based on NFC checking of the embodiment of the present invention from finger-print cipher identification angle introduction The flow chart for the method paid.
Fig. 3 is that the embodiment of the present invention is close from a kind of fingerprint based on NFC checkings of finger-print cipher result identification angle introduction The flow chart for the method that code is paid.
Fig. 4 is a kind of finger-print cipher based on NFC checking of the embodiment of the present invention from the NFC near-field communications angle introduction The flow chart of the method for payment.
Fig. 5 is that the embodiment of the present invention is close from a kind of fingerprint based on NFC checkings of fingerprint cipher recognition device angle introduction The block diagram for the device that code is paid.
Fig. 6 is a kind of finger based on NFC checking of the embodiment of the present invention from finger-print cipher result identification device angle introduction The block diagram for the device that line password is paid.
Fig. 7 is a kind of finger-print cipher based on NFC checking of the embodiment of the present invention from the NFC near-field communications angle introduction The block diagram of the device of payment.
Embodiment
In order that those skilled in the art more fully understand the present invention program, below in conjunction with the embodiment of the present invention Accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is only The embodiment of a part of the invention, rather than whole embodiments.Based on the embodiment in the present invention, ordinary skill people The every other embodiment that member is obtained under the premise of creative work is not made, it should all belong to the model that the present invention protects Enclose.
The embodiment of the present application provides a kind of method that finger-print cipher based on NFC checkings is paid, and this method is applied to NFC Verify that finger-print cipher carries out network payment.Fig. 1 is refer to, is that the embodiment of the present invention is based on from system using one kind of angle introduction The schematic diagram for the system that the finger-print cipher of NFC checkings is paid.
As shown in figure 1, the system includes:
1st, the intelligent movable equipment:By fingerprint recognition when being paid for network trading, start the NFC module, realize same The checking of NFC device described in the gathering method, apparatus.
2nd, the gathering method, apparatus:For generating the Transaction Information, set by the NFC device with the intelligent movable It is standby to carry out the first identification checking;After the checking, carry out second identification with the network payment server, test Card.
3rd, the network payment server:For receiving the institute of the gathering method, apparatus and intelligent movable equipment transmission Checking request is stated, and carries out the checking;After the checking, implement network payment transaction.
In summary, it is necessary to be opened by fingerprint recognition when network payment is carried out by the intelligent movable equipment The NFC module in the intelligent movable equipment is moved, the NFC module is the same as the NFC device in the gathering method, apparatus Mutually carry out first identification, checking.Set by the gathering method, apparatus after the checking by the NFC device or use Authentication module described in standby carries out second identification, checking with the network payment server, and sends the Transaction Information To the network payment server.Second identification, after being verified, the network payment server is by the Transaction Information It is sent in the intelligent movable equipment and is confirmed.After confirmation, implement network payment by the transfer of accounts.Wherein, the input of password The indirect checking, and the Transaction Information need the network payment server it is carried out it is mutual described in test Card.By the checking of staggered form, safety when guaranteeing payment.It can be used as the upgrade version for exempting from close payment.
Fig. 2 is refer to, is a kind of fingerprint based on NFC checking of the embodiment of the present invention from finger-print cipher identification angle introduction The flow chart for the method that password is paid.
As shown in Fig. 2 this method includes:
Method, apparatus of being collected money described in S101 generates Transaction Information described in the network payment;
When carrying out network payment transaction, the information of network payment is generated in the equipment of beneficiary, and is come out by screen display. The generation of Transaction Information described in the network payment is typically by commodity swepting slip code, the cumulative obtained payment gold of Quick Response Code Volume, or directly input collection amount and generate the Transaction Information.Can also be it is described gathering method, apparatus to the mobile intelligence Energy equipment carries out barcode scanning, the Transaction Information of acquisition.
Specifically, beneficiary is by commodity barcode scanning, cumulative, obtaining collection amount, waiting the user to be carried out after confirming Network payment is merchandised.Also include:The amount of money that the user collects money in mobile phone, computer input, passes through beneficiary barcode scanning equipment barcode scanning Obtain the information such as dealing money.
User described in S102, into the payment page, is referred in the intelligent movable device clients of binding It is described to unlock and open NFC module function described in the intelligent movable equipment after line password identification;And send the mobile intelligence Can NFC device described in user profile to beneficiary described in equipment;
The user opens described in client in the intelligent movable equipment and pays the page, into after the payment page, enters Row fingerprint recognition.After fingerprint recognition, the input of network payment trading password, unblock described in the intelligent movable equipment are completed And start the NFC module.It is, the NFC module in the intelligent movable equipment is needed by checking described in fingerprint After could carry out unlatching correlation function.
Client is the end that the intelligent movable equipment carries out network payment transaction connection with the network payment server Mouthful, password identification, the result described in the fingerprint carried out by client are encrypted, and by the NFC near-field communications Password identification, the result described in the result and the fingerprint are sent in the network payment server described in progress Checking.Wherein, the result of the NFC near-field communications is that the NFC device described in method, apparatus or beneficiary of collecting money is entered Capable information is compared, examined.And the result of the finger-print cipher of the intelligent movable device clients is by symmetrical Or rivest, shamir, adelman, or two kinds of AESs are simultaneously encrypted.As a result middle reflection is that password is correct or password is wrong Miss, and the information such as the user, account, and do not include finger-print cipher information.The network payment server is according to corresponding to Decipherment algorithm is decrypted, and the result after being decrypted, and the result carries out multiple institute with reference to described in the NFC near-field communications State checking.Also, finger-print cipher is bound with the NFC module for network payment.To ensure safety, finger-print cipher exists Store in safer chip.
Specifically, the user carries out unblock described in fingerprint in mobile phone to the NFC module, pass through checking described in fingerprint Afterwards, the NFC module in mobile phone is activated and started.Also include:After the intelligent movable equipment carries out fingerprint recognition, fingerprint The encryption information of the result described in password is sent in the network payment server by the NFC module and is decrypted, core To finger-print cipher.
NFC module described in intelligent movable equipment described in S103 carries out first identification with NFC device described in beneficiary, tested Card;
NFC module described in the intelligent movable equipment opened within the scope of the checking of NFC device described in beneficiary, Mutually carry out first time identification, the checking.The checking includes:The user identity identification is simultaneously public by Encrypt and Decrypt algorithm Formula carries out the checking.
Specifically, the NFC module in mobile phone with NFC device described in beneficiary in the region that can be identified to each other It is interior, by the NFC near-field communications, it is mutually distinguishable, the checking.Added by symmetry encryption algorithm and non-asymmetric Close algorithm enters the identification of row information Encrypt and Decrypt, the checking.
Also include:Client carries out the checking to finger-print cipher barcode scanning and starts the NFC module, obtains the NFC The result of near-field communication.Wherein, the client in smart machine passes through NFC described in the NFC module and beneficiary Device is identified, the checking.After checking described in the NFC near-field communications, client automatically generates encryption information hair It is sent in the network payment server and carries out checking described in Encrypt and Decrypt.Or directly by described in the NFC near-field communications The result encryption, which is sent in the network payment server, carries out the checking.
S104 first identifies described after being verified, and NFC device, equipment described in beneficiary are by network with the network branch Pay server carries out second identification, checking, second identification, verifies, including:Described in the NFC near-field communications result Checking, the Encrypt and Decrypt proof of algorithm;And Transaction Information described in the network payment is sent to the network payment server Carry out the checking;
The intelligent movable equipment carries out the first checking and by rear with NFC device described in beneficiary, NFC described in beneficiary Device or the gathering method, apparatus carry out second identification, checking by network and the network payment server.Carry out In second of verification process, Transaction Information described in the network payment is sent to by NFC device described in beneficiary or equipment The network payment server.In the Transaction Information, including:Both parties' name on account and dealing money.Second described Checking is can't to be related to the shifting with the checking carried out between the network payment server by the gathering method, apparatus Finger print information in dynamic smart machine, ensure that the security that Password Input is carried out by fingerprint.Second identification, described test Card, in addition to:After second identification, the checking, beneficiary directly sends the Transaction Information, the result To the network payment server.
Specifically, after NFC module function described in mobile phone is opened, the checking is carried out with NFC device described in beneficiary first, After the checking, the NFC device of beneficiary carries out described test again by network and the network payment server Card.Meanwhile Transaction Information described in the network payment is sent in the network payment server by the gathering method, apparatus.Its In, the NFC device of beneficiary is integrated in the gathering method, apparatus.It is described gathering method, apparatus also have network service and The function of Encrypt and Decrypt computing.
Simultaneously, the intelligent movable device clients identify the described first identification, the result and finger-print cipher to S105 As a result send to the network payment server;
Second of mutually described checking is carried out in network payment server described in the gathering method, apparatus and sends the transaction letter While breath, the result of first time and NFC device described in beneficiary are sent to described by the intelligent movable equipment Network payment server.Wherein, there is the related letter of user name, account, described Transaction Information etc. described in the intelligent movable equipment Breath.Verification for information.The result also includes described in finger-print cipher:It is described to be verified or not by the table of the checking State, be not related to any finger print information.The network payment server receives, the information of decryption, is verified to be described.So, The network payment server should be able to receive the Transaction Information of beneficiary.Conversely, it can not received by the checking The Transaction Information of beneficiary.If receiving the Transaction Information, for abnormal transaction, the network payment server will be eventually Only merchandise.The client of the intelligent movable equipment by with the network payment server by symmetrically or non-symmetrically encrypting calculation The result of the NFC near-field communications is sent in the network payment server by method, the transmission of quantum cryptography algorithm. But if finger-print cipher recognition failures, terminate and send information.
After network payment server described in S106 is by the described second identification, checking, the intelligent movable equipment hair is compared Described first sent identifies, the result;It is described be verified after, the Transaction Information is sent to the intelligent movable and set Confirmed in standby;
First, after being verified described in NFC device described in the network payment server and beneficiary, the intelligent movable is set First identification that preparation is sent, the result carry out related content comparison, the checking with the second identification checking, than To, it is described be verified after, by it is described gathering method, apparatus be sent to described in the network payment of the network payment server Transaction Information is sent in the intelligent movable equipment, is confirmed by the user.Wherein, before described authenticated Journey, if having one be mistake or not by, be not consistent.The checking afterwards will be by whole terminations, cancellation.
Specifically, in gathering method, apparatus checking mutually described with the network payment server and by rear, it is described Network payment server compares first identification, the result related content that mobile phone is sent, and the result does not wrap Containing any information in the verification process, particularly finger print information., will after being verified described in the network payment server The Transaction Information that NFC device described in the beneficiary received is sent is sent in the user mobile phone, furthermore, it is desirable to institute State user and click on and virtually confirm that button is confirmed.
The page is paid described in intelligent movable equipment described in S107 and receives the Transaction Information, virtual confirmation button is clicked on and carries out Confirm, will confirm that result is sent to the network payment server;
In the payment page of the intelligent movable equipment, the friendship that the network payment server is sent is received Easy information, after the user checks and the Transaction Information is confirmed, click on virtual determination button.And result is sent back The network payment server, is only determined by the user, and will confirm that the Transaction Information passes back to the network branch After pay server, the verification process of network payment transaction could be completed.
The Transaction Information is received specifically, being paid described in the user mobile phone in the page, the user checks After confirmation, click on and determine virtual key.The confirmation that virtual key inputs is sent into the network payment by network to take It is engaged in device.Confirmation as the Transaction Information.
Network payment server described in S108 receives and the checking confirms result, and performs network payment transaction;
The network payment server receives the confirmation result that the intelligent movable equipment is sent, after receiving the confirmation result, Perform network payment transaction.The user confirms and agrees to pay, and the network payment server is by transaction funds from the shifting It is transferred in the account of dynamic smart machine binding in the account of beneficiary.
Specifically, the network payment server receives the confirmation result that mobile phone is sent, if encryption information, solved After close, network payment transaction is performed.By in the account of fund payment by the transfer of accounts to beneficiary.The account of beneficiary is in the network Bound in advance in paying server platform, if not also needing to include gathering in the Transaction Information by binding The accounts information of side.
Transaction Information described in the network payment is respectively sent to the gathering method, apparatus and the intelligent movable by S109 In equipment;
The network payment of the network payment server is transferred accounts, and transaction results are separately sent to the equipment of beneficiary and the movement In smart machine.The two information content received is consistent.
Specifically, after merchandising successfully, the Transaction Information is separately sent to the gathering by the network payment server In method, apparatus and the user mobile phone, computer, and mark transaction whether successfully etc. information.
S110 is received in the intelligent movable equipment and is shown network payment transaction successfully notice.
The intelligent movable equipment receives the notice that the network payment server is sent, and transaction results show in screen Show.The equipment of beneficiary equally receives the money transfer transactions result notice that the network payment server is sent, and is shown in described Collect money in the screen of method, apparatus, checked, confirmed by beneficiary personnel.
Specifically, in the mobile phone of the user, the letters such as beneficiary, the amount of money of merchandise successful information and correlation are shown Breath is also together shown.
In summary, in network payment transaction, fingerprint is served only for starting the NFC moulds in the intelligent movable equipment Block, otherwise, the NFC module in the intelligent movable equipment can not obtain startup and carry out described in the NFC near-field communications Checking.After the NFC device of beneficiary described in the NFC module in the intelligent movable equipment with being verified, receive Money side NFC device starts the mutual checking between the network payment server platform, is entirely one during this The individual independent checking, the Encrypt and Decrypt algorithm used can also be separate.That is the intelligent movable equipment The NFC module uses the first AES with the checking between NFC device described in beneficiary, is entered by near field communication means The row checking.And NFC device described in beneficiary is by described in the progress of the second AES with the network payment server Checking.
Meanwhile in order to prevent in the verification process, fingerprint recognition failure and the network payment Fail Transaction that brings are described Intelligent movable equipment also supports numerical ciphers to input, and can also use the complex input for slidably inputing pattern and carrying out password The checking, and before this, the information related by pre-seting storage in the intelligent movable equipment.In a word, by The checking connect, realize the checking that successful fingerprint is paid.And ensure the security of network payment.Beneficiary it is described NFC device carries out the checking with the intelligent movable equipment and the network payment server respectively, so as to reach the shifting Dynamic smart machine inputs the effect of password to the network payment server indirectly.
Fig. 3 is refer to, is a kind of based on NFC being verified of the embodiment of the present invention from the identification angle introduction of finger-print cipher result The flow chart for the method that finger-print cipher is paid.
As shown in figure 3, this method includes:
Network payment server described in S202 does not receive the finger print information and password of the intelligent movable equipment directly.
The NFC module of the intelligent movable equipment carries out the first identification checking with NFC device described in beneficiary, After the first identification checking, institute is carried out with the network payment server by the equipment or the NFC device of beneficiary State the second identification, checking.Second identification, checking is built upon first identification, be verified on the basis of carry out.And And second identification, checking do not use the information in first identification, checking.Encrypt and Decrypt algorithm used in the checking And formula is the independent man-to-man Validation Mode.It is not related to the information of any finger-print cipher.
Specifically, after being verified described in NFC device described in NFC module described in the user mobile phone and beneficiary, it is described Method, apparatus of collecting money carries out corresponding identification, the checking with the network payment server.Wherein, finger print information is without passing It is defeated.Also include:Be provided with NFC device described in server in the network payment server, for it is described gathering method, apparatus in The NFC device carry out the checking.Wherein, NFC device described in beneficiary is at least one.
In summary, the network payment server refers to the result for receiving finger-print cipher, does not receive fingerprint The particular content of password.After the network payment server is to the result successful decryption described in finger-print cipher, it can just be referred to The input condition of line password.In conjunction with the result of the NFC near-field communications, the more reliable checking knot is obtained Fruit.In the NFC near-field communications, the encryption that random code enters row information can be used.If by the use of transaction the amount of money as with Machine code, it can be achieved with the verification the verifying results of random code.The random code being used as by the amount of money included in the Transaction Information is entered Row verification, the checking.This also requires that it is computing twice that the checking carried out by random code is minimum, and first time computing is The data randomly generated are calculated, and second of computing is using dealing money as random code.Identity, payment two more than The checking of code, the amount of money is tieed up, allows network payment transaction can more preferable, safer progress.
Fig. 4 is refer to, is that the embodiment of the present invention is verified from a kind of of the NFC near-field communications angle introduction based on NFC The flow chart for the method that finger-print cipher is paid.
As shown in figure 4, this method includes:
S301 also includes:The NFC device, the intelligent movable equipment are simultaneously by the unique ID number of other side, the Transaction Information And itself unique ID number sends into the network payment server and carries out the mutually checking.
While first identification, the result is sent, the NFC device of beneficiary and the intelligent movable are set It is standby, the ID number of other side, account, the Transaction Information are also together sent in the network payment server, for comparing, institute State checking.By the mutual transmission of the Transaction Information and identity information, comparison can be played in the network payment server The effect of the checking.This process be the gathering method, apparatus, the intelligent movable equipment by the network that each connects, solely Stand what is be transmitted.
Specifically, the gathering method, apparatus, the intelligent movable equipment are by other side and the ID number of itself, account, the friendship Easy information is sent in the network payment server, and the network payment server receive information simultaneously carries out the checking and knowledge Not.
NFC device, module are used as in the verification process by the dealing money in the Transaction Information described in S302 Random code, the computing of the random code of correlation is carried out in AES formula.
In the described first identification, checking, second identification, verification process, if used described in random code conduct One of calculation condition of AES of checking, on the basis of the random code of traditional self-generating, Payment Amount can also be used to make Second of cryptographic calculation is carried out for random code.The network payment server receives, and simultaneously information is decrypted, during this, The digital amount of money numeral with the Transaction Information of the amount of money of reduction is consistent.Also, when amount is as random code, one It is fixed also to choose computing of the random number as random code automatically.See for the first time random code that computing uses using namely with The computing of machine code is at least twice, is once randomness, another dealing money for payment.
Specifically, in Encrypt and Decrypt calculating process, random code is used sometimes and carries out the progress computing of Encrypt and Decrypt algorithm.And Payment Amount is on the premise of time change, using Payment Amount as random code, carries out the computing of correlation, and can be described Checked in Transaction Information.The use of irregular random code is being combined, can be effectively encrypted, and phase is carried out by decrypting The mutual checking.Encryption can also use amount usually using symmetry encryption algorithm or the class of unsymmetrical tridiagonal matrix algorithm two, future Sub- AES technology.
Method, apparatus barcode scanning of being collected money described in S303 passes through NFC device described in beneficiary and received in the intelligent movable equipment and pays Money Quick Response Code, carry out network payment.
While the described first identification, checking, payment Quick Response Code is shown in the screen of the intelligent movable equipment.Institute Gathering method, apparatus and the NFC device is stated to be identified by scanning or the NFC near-field communications, obtain payment Quick Response Code letter Breath, obtains the payment Quick Response Code in the intelligent movable equipment.And together with the described first identification, the result, the transaction letter Breath and payment Quick Response Code, it is sent to the network payment server and carries out identification, the checking and transmission accordingly.Also include: During in order to prevent authentication failed described in fingerprint, Password Input can not be carried out.When setting and typing finger-print cipher, at the same it is defeated Enter the network payment trading password of numeral.Also support the typing of the slip the unlocking pattern information of certain complexity.Pass through Various ways, it ensure that the variation of Password Input, stability and security.Specifically, the Password Input of the user mobile phone Mode, it is also provided with the slip password of traditional numerical ciphers input and complexity.Before this, it is necessary to carry out password and slip figure Case pre-sets.
Specifically, when the network payment server needs to carry out network payment transaction by way of barcode scanning.Described The payment Quick Response Code shown in user mobile phone, payment Quick Response Code is obtained by the barcode scanning device in the gathering method, apparatus.Also may be used To obtain the payment Quick Response Code in the user mobile phone by the NFC device.Conversely, the side that the user mobile phone passes through barcode scanning Formula, the gathering Quick Response Code in the gathering method, apparatus can also be obtained by NFC device described in beneficiary.It is near by the NFC Field is communicated after the checking, and the Quick Response Code shown in the gathering method, apparatus is sent into the network branch by the user mobile phone In pay server.
In summary, the gathering method, apparatus and the intelligent movable equipment are simultaneously uniquely recognizable by ID number of other side etc. Information be sent to the network payment server and checked.The two enters the transmission of row information by different networks, and this is just It is required that the network payment server will have the ability for receiving broadband network and mobile communications network simultaneously.When the mobile intelligence , can when needing to be paid by barcode scanning payment Quick Response Code in energy equipment, and during intelligent movable equipment progress barcode scanning payment To obtain payment 2 D code information by cam device barcode scanning, payment two dimension can also be carried out by the NFC near-field communications The acquisition and identification of code information.Using payment amount Quick Response Code in the environment for there are the NFC near-field communications, network branch can be realized Pay transaction.
Fig. 5 is refer to, is that the embodiment of the present invention is verified from a kind of of fingerprint cipher recognition device angle introduction based on NFC The block diagram for the device that finger-print cipher is paid.
As shown in figure 5, the device includes:
Transaction Information module 401, Transaction Information described in the network payment is generated for the gathering method, apparatus.
Fingerprint identification module 402, for the user in the intelligent movable device clients of binding, into described The page is paid, carries out password identification described in the fingerprint, after checking, it is described to unlock and open described in the intelligent movable equipment NFC module function;And send NFC device described in user profile to beneficiary described in the intelligent movable equipment.
NFC authentication modules 403, carried out for NFC module described in the intelligent movable equipment with NFC device described in beneficiary First identification, checking.
Beneficiary checking, communication module 404, after being verified described in the first identification, NFC device described in beneficiary, Equipment carries out second identification, checking by network with the network payment server, second identification, verifies, including: Checking, the Encrypt and Decrypt proof of algorithm described in the NFC near-field communications result;And by Transaction Information described in the network payment Send to the network payment server and carry out the checking.
Paying party checking, communication module 405, for simultaneously, the intelligent movable device clients described first will identify, The result and finger-print cipher recognition result are sent to the network payment server.
The first authentication module of server 406, identified, after checking by described second for the network payment server, Compare first identification, the result that the intelligent movable equipment is sent;It is described be verified after, by it is described transaction believe Breath is sent to be confirmed into the intelligent movable equipment.
Receiving module 407, the Transaction Information is received for paying the page described in the intelligent movable equipment, is clicked on virtual Confirm that button is confirmed, will confirm that result is sent to the network payment server.
The second authentication module of server 408, is received for the network payment server and the checking confirms result, and Perform network payment transaction.
Sending module 409, for by Transaction Information described in the network payment be respectively sent to it is described gathering method, apparatus and In the intelligent movable equipment.
Receiving submodule 410, for receiving and showing that network payment transaction is successfully logical in the intelligent movable equipment Know.
In summary, in network payment transaction, fingerprint is served only for starting the NFC moulds in the intelligent movable equipment Block, otherwise, the NFC module in the intelligent movable equipment can not obtain startup and carry out described in the NFC near-field communications Checking.After the NFC device of beneficiary described in the NFC module in the intelligent movable equipment with being verified, receive Money side NFC device starts the mutual checking between the network payment server platform, is entirely one during this The individual independent checking, the Encrypt and Decrypt algorithm used can also be separate.That is the intelligent movable equipment The NFC module uses the first AES with the checking between NFC device described in beneficiary, is entered by near field communication means The row checking.And NFC device described in beneficiary is by described in the progress of the second AES with the network payment server Checking.
Meanwhile in order to prevent in the verification process, fingerprint recognition failure and the network payment Fail Transaction that brings are described Intelligent movable equipment also supports numerical ciphers to input, and can also use the complex input for slidably inputing pattern and carrying out password The checking, and before this, the information related by pre-seting storage in the intelligent movable equipment.In a word, by The checking connect, realize the checking that successful fingerprint is paid.And ensure the security of network payment.Beneficiary it is described NFC device carries out the checking with the intelligent movable equipment and the network payment server respectively, so as to reach the shifting Dynamic smart machine inputs the effect of password to the network payment server indirectly.
Fig. 6 is refer to, is that the embodiment of the present invention is tested from one kind of finger-print cipher result identification device angle introduction based on NFC The block diagram for the device that the finger-print cipher of card is paid.
As shown in fig. 6, the device includes:
Server receiving module 502, the fingerprint of the intelligent movable equipment is not received directly for the network payment server Information and password.
In summary, the network payment server refers to the result for receiving finger-print cipher, does not receive fingerprint The particular content of password.After the network payment server is to the result successful decryption described in finger-print cipher, it can just be referred to The input condition of line password.In conjunction with the result of the NFC near-field communications, the more reliable checking knot is obtained Fruit.In the NFC near-field communications, the encryption that random code enters row information can be used.If by the use of transaction the amount of money as with Machine code, it can be achieved with the verification the verifying results of random code.The random code being used as by the amount of money included in the Transaction Information is entered Row verification, the checking.This also requires that it is computing twice that the checking carried out by random code is minimum, and first time computing is The data randomly generated are calculated, and second of computing is using dealing money as random code.Identity, payment two more than The checking of code, the amount of money is tieed up, allows network payment transaction can more preferable, safer progress.
Fig. 7 is refer to, is that the embodiment of the present invention is verified from a kind of of the NFC near-field communications angle introduction based on NFC The block diagram for the device that finger-print cipher is paid.
As shown in fig. 7, the device includes:
Communication module 601, for the NFC device, the intelligent movable equipment simultaneously by the unique ID number of other side, the transaction Information and itself unique ID number, which are sent into the network payment server, carries out the mutually checking.
Random code module 602, for the NFC device, module in the verification process, by the Transaction Information Dealing money as random code, the computing of the random code of correlation is carried out in AES formula.
NFC verifies submodule 603, and institute is received for the gathering method, apparatus barcode scanning or by NFC device described in beneficiary Quick Response Code of being paid the bill in intelligent movable equipment is stated, carries out network payment.
In summary, the gathering method, apparatus and the intelligent movable equipment are simultaneously uniquely recognizable by ID number of other side etc. Information be sent to the network payment server and checked.The two enters the transmission of row information by different networks, and this is just It is required that the network payment server will have the ability for receiving broadband network and mobile communications network simultaneously.When the mobile intelligence , can when needing to be paid by barcode scanning payment Quick Response Code in energy equipment, and during intelligent movable equipment progress barcode scanning payment To obtain payment 2 D code information by cam device barcode scanning, payment two dimension can also be carried out by the NFC near-field communications The acquisition and identification of code information.Using payment amount Quick Response Code in the environment for there are the NFC near-field communications, network branch can be realized Pay transaction.

Claims (11)

1. a kind of method that finger-print cipher based on NFC checkings is paid, it is characterised in that this method is applied to NFC checking fingerprints Password carries out network payment, including:
Method, apparatus of collecting money generates Transaction Information described in network payment;
User is in the user of binding, into the page is paid, after carrying out the finger-print cipher identification, checking, unlocks and opens Open NFC module function in the intelligent movable equipment;And the intelligent movable equipment user information is sent to beneficiary NFC dresses Put;
NFC module described in the intelligent movable equipment carries out the first identification, checking with NFC device described in the beneficiary;
After being verified described in first identification, NFC device, equipment described in the beneficiary are by network with network payment server The second identification, checking are carried out, second identification, is verified, including:Checking, the Encrypt and Decrypt described in NFC near-field communication results Proof of algorithm;And Transaction Information described in the network payment is sent to the network payment server and verified;
Meanwhile the user sends the described first identification, the result and finger-print cipher recognition result to the network payment Server;
After the network payment server is by the described second identification, checking, the institute that the intelligent movable equipment is sent is compared State the first identification, the result;It is described be verified after, the Transaction Information is sent into the intelligent movable equipment and carried out Confirm;
The page is paid described in the intelligent movable equipment and receives the Transaction Information, virtual confirmation button is clicked on and is confirmed, will Confirm that result is sent to the network payment server;
The network payment server receives and the checking confirms result, and performs network payment transaction;
Transaction Information described in the network payment is respectively sent in the gathering method, apparatus and the intelligent movable equipment;
Received in the intelligent movable equipment and show network payment transaction successfully notice.
2. according to the method for claim 1, it is characterised in that enter the payment page, carry out close described in the fingerprint After code identification, checking, including:
The network payment server does not receive the finger print information and password of the intelligent movable equipment directly.
3. according to the method for claim 1, it is characterised in that and send Transaction Information described in the network payment to institute State network payment server and carry out the checking, in addition to:
The NFC device, the intelligent movable equipment are simultaneously by the unique ID number of other side, the Transaction Information and itself is unique ID number, which is sent into the network payment server, carries out the mutually checking.
4. according to the method for claim 1, it is characterised in that NFC module is the same as the receipts described in the intelligent movable equipment NFC device described in money side carries out first identification, checking, including:
The NFC device, module are used as random code in the verification process, by the dealing money in the Transaction Information, The computing of the random code of correlation is carried out in AES formula.
5. according to the method for claim 1, it is characterised in that the gathering method, apparatus generates friendship described in the network payment Easy information, including:
The gathering method, apparatus barcode scanning or received by NFC device described in the beneficiary pays the bill two in the intelligent movable equipment Code is tieed up, carries out network payment.
A kind of 6. device that finger-print cipher based on NFC checkings is paid, it is characterised in that including:
Transaction Information module, Transaction Information described in the network payment is generated for the gathering method, apparatus;
Fingerprint identification module, for the user in the user of binding, into the payment page, carry out the fingerprint It is described to unlock and open NFC module function described in the intelligent movable equipment after the password identification, checking;And send institute State NFC device described in user profile to the beneficiary described in intelligent movable equipment;
NFC authentication modules, institute is carried out with NFC device described in the beneficiary for NFC module described in the intelligent movable equipment State the first identification, checking;
Beneficiary checking, communication module, after being verified described in the first identification, NFC device, equipment described in the beneficiary Second identification, checking are carried out with the network payment server by network, second identification, verified, including:It is described NFC near-field communication result verifications, the Encrypt and Decrypt proof of algorithm;And Transaction Information described in the network payment is sent to institute State network payment server and carry out the checking;
Paying party checking, communication module, for simultaneously, the user to know the described first identification, the result and finger-print cipher Other result is sent to the network payment server;
The authentication module of server first, identified, after checking by described second for the network payment server, described in comparison Intelligent movable equipment send it is described first identification, the result;It is described be verified after, by the Transaction Information send to Confirmed in the intelligent movable equipment;
Receiving module, the Transaction Information is received for paying the page described in the intelligent movable equipment, click on virtual confirmation and press Key is confirmed, will confirm that result is sent to the network payment server;
The authentication module of server second, is received for the network payment server and the checking confirms result, and performs net Network payment transaction;
Sending module, for Transaction Information described in the network payment to be respectively sent into the gathering method, apparatus and the movement In smart machine;
Receiving submodule, for network payment transaction successfully notice to be received and shown in the intelligent movable equipment.
7. device according to claim 6, it is characterised in that enter the payment page, carry out close described in the fingerprint After code identification, checking, including:
Server receiving module, the finger print information of the intelligent movable equipment is not received directly for the network payment server And password.
8. device according to claim 6, it is characterised in that and send Transaction Information described in the network payment to institute State network payment server and carry out the checking, in addition to:
Communication module, the unique ID number of other side, the transaction are believed simultaneously for the NFC device, the intelligent movable equipment Breath and itself unique ID number, which are sent into the network payment server, carries out the mutually checking.
9. device according to claim 6, it is characterised in that NFC module is the same as the receipts described in the intelligent movable equipment NFC device described in money side carries out first identification, checking, including:
Random code module, for the NFC device, module in the verification process, pass through the transaction in the Transaction Information The amount of money carries out the computing of the random code of correlation as random code in AES formula.
10. device according to claim 6, it is characterised in that the gathering method, apparatus is generated described in the network payment Transaction Information, including:
NFC verifies submodule, and the shifting is received for the gathering method, apparatus barcode scanning or by NFC device described in the beneficiary Quick Response Code of being paid the bill in smart machine is moved, carries out network payment.
A kind of 11. system that finger-print cipher based on NFC checkings is paid, it is characterised in that including:
1st, intelligent movable equipment:By fingerprint recognition when being paid for network trading, start the NFC module, realize with described The checking for NFC device described in method, apparatus of collecting money;
2nd, gathering method, apparatus:For generating the Transaction Information, the is carried out with the intelligent movable equipment by the NFC device The one identification checking;After the checking, second identification, checking are carried out with the network payment server;
3rd, network payment server:The checking for receiving the gathering method, apparatus and intelligent movable equipment transmission please Ask, and carry out the checking;After the checking, implement network payment transaction.
CN201710782299.4A 2017-09-02 2017-09-02 Fingerprint password payment method, device and system based on NFC verification Active CN107506998B (en)

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