CN111178873B - NFC (near field communication) based collection method and NFC based collection device - Google Patents
NFC (near field communication) based collection method and NFC based collection device Download PDFInfo
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- CN111178873B CN111178873B CN201811329859.1A CN201811329859A CN111178873B CN 111178873 B CN111178873 B CN 111178873B CN 201811329859 A CN201811329859 A CN 201811329859A CN 111178873 B CN111178873 B CN 111178873B
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/352—Contactless payments by cards
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- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, 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
- G06Q20/401—Transaction verification
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Abstract
The embodiment of the invention discloses a payment method and a device based on a Near Field Communication (NFC) technology, which are used for conducting NFC-based payment and collection operation without increasing cost and improving convenience of NFC-based payment and collection operation. The NFC-based collection method comprises the following steps: acquiring payment order information, wherein the payment order information comprises order amount; requesting a payment user to select a financial integrated circuit IC card for payment; after determining that connection is established with a financial IC card of the payment user based on NFC, acquiring a payment password of the financial IC card and transaction data of the financial IC card; digitally signing transaction data of the financial IC card, the order amount and a payment password of the financial IC card by utilizing a signing key obtained from a payment platform in advance to generate a transaction message; and sending the transaction message to a payment platform for payment.
Description
Technical Field
The invention relates to the field of mobile payment, in particular to a collection method, a collection device, collection equipment, collection media and an intelligent terminal based on a Near Field Communication (NFC) technology.
Background
In the field of mobile payment, the near field communication (Near Field Communication, NFC) payment is mostly implemented by using a card analog mode of an NFC device to perform NFC over-the-air card issuing.
In particular, this mode requires the payment system to cooperate with the card issuing authority of the bank card, and the user generates a virtual bank card associated with it by binding the physical bank card. This way, the user can pay on a Point Of Sale (POS) machine by only one mobile phone without carrying a plurality Of bank cards.
However, for the merchant, if the merchant wants to use the POS machine to collect the money, the merchant needs to modify the old POS machine or purchase a new POS machine, which tends to increase the cost of the merchant, and the payment operation depends on the POS machine, so that the merchant cannot collect money anytime and anywhere, which is inconvenient in practical use.
Disclosure of Invention
The embodiment of the invention provides a payment collecting method, device, equipment, medium and intelligent terminal based on a Near Field Communication (NFC) technology, which are used for conducting NFC-based payment collecting operation without increasing cost and improving convenience of NFC-based payment collecting operation.
In a first aspect, an embodiment of the present invention provides a payment method based on NFC, including:
acquiring payment order information, wherein the payment order information comprises order amount;
requesting a payment user to select a financial integrated circuit (Integrated Circuit, IC) card for payment;
after determining that connection is established between the NFC-based financial IC card and a financial IC card of a payment user, acquiring a payment password of the financial IC card and transaction data of the financial IC card;
digitally signing transaction data, order amount and payment password of the financial IC card by utilizing a signing key obtained from a payment platform in advance to generate a transaction message;
and sending the transaction message to a payment platform for payment.
In a possible implementation manner, in the method provided by the embodiment of the present invention, a signature key obtained in advance from a payment platform is used to digitally sign transaction data of a financial IC card, an order amount, and a payment password of the financial IC card, so as to generate a transaction message, including:
based on a predetermined payment specification, packaging transaction data, order amount and payment password of the financial IC card into a data message;
and carrying out digital signature on the data message by utilizing a signature key obtained from a payment platform in advance, and generating a transaction message.
In a possible implementation manner, in the method provided by the embodiment of the present invention, a signature key obtained in advance from a payment platform is used to digitally sign a data packet, so as to generate a transaction packet, including:
encrypting part of data in the data message by utilizing an encryption key obtained from a payment platform in advance to generate an encrypted message;
and carrying out digital signature on the encrypted message and the unencrypted part of the data in the data message by utilizing a signing key obtained from the payment platform in advance, so as to generate a transaction message.
In a possible implementation manner, in the method provided by the embodiment of the present invention, an encryption key obtained in advance from a payment platform is obtained by the following steps:
creating a local key for each payment order information;
sending a key exchange request to a payment platform, wherein the key exchange request comprises a local key;
and receiving a response message of the payment platform to the key exchange request, and acquiring an encryption key from the response message.
In a possible implementation manner, in the method provided by the embodiment of the present invention, after determining that connection is established with a financial IC card of a payment user based on NFC, a payment password of the financial IC card and transaction data of the financial IC card are obtained, including:
after determining that connection is established between the NFC-based financial IC card and the financial IC card of the payment user, selecting the card by utilizing a prestored financial IC card type identifier;
and when the card selection is successful by utilizing the prestored financial IC card type identification, acquiring a payment password of the financial IC card and transaction data of the financial IC card.
In a possible implementation manner, in the method provided by the embodiment of the present invention, transaction data of the financial IC card includes one or more of the following: transaction attributes, authorization amounts, transaction dates, transaction times, and transaction types.
In a possible implementation manner, in the method provided by the embodiment of the present invention, the financial IC card includes one or more of the following: physical financial IC card, virtual financial IC card.
In a second aspect, an embodiment of the present invention provides a payment collecting device based on NFC, including:
the first acquisition unit is used for acquiring payment order information, wherein the payment order information comprises order amount;
a display unit for requesting a payment user to select a financial integrated circuit IC card for payment;
a second acquisition unit configured to acquire a payment password of the financial IC card and transaction data of the financial IC card after determining that connection is established with the financial IC card of the payment user based on NFC;
the encryption signature unit is used for digitally signing the transaction data, the order amount and the payment password of the financial IC card by utilizing a signature key acquired from a payment platform in advance to generate a transaction message;
and the sending unit is used for sending the transaction message to the payment platform for payment.
In a third aspect, an embodiment of the present invention provides an intelligent terminal, where the intelligent terminal includes an NFC module and an NFC-based cash register provided in the second aspect of the embodiment of the present invention.
In a fourth aspect, the embodiment of the present invention further provides a payment collecting device based on the NFC technology, where the at least one processor, the at least one memory, and the computer program instructions stored in the memory implement the payment collecting method based on the NFC technology provided in the first aspect of the present invention when the computer program instructions are executed by the processor.
In a fifth aspect, an embodiment of the present invention further provides a computer storage medium, on which computer program instructions are stored, which when executed by a processor implement the collecting method based on the NFC according to the first aspect of the present invention.
The payment order information is acquired, the payment order information comprises order amount, a financial integrated circuit IC card used for payment is requested to be selected by a payment user, after connection between the payment user and the financial IC card based on NFC is established, a payment password of the financial IC card and transaction data of the financial IC card are acquired, then a signature key acquired in advance from a payment platform is utilized to carry out digital signature on the transaction data of the financial IC card, the order amount and the payment password of the financial IC card, a transaction message is generated, and the transaction message is sent to the payment platform for payment, so that the payment operation is completed.
In the payment scheme based on NFC provided by the embodiment of the invention, after the payment order information is acquired, the payment and the payment operation can be completed only by establishing connection with the financial IC card of the payment user based on the NFC function.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the description of the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a schematic flow chart of an NFC-based collection method according to an embodiment of the present invention;
fig. 2 is a schematic structural diagram of an NFC-based cash register according to an embodiment of the present invention;
fig. 3 is a schematic structural diagram of an NFC-based cash register according to an embodiment of the present invention.
Detailed Description
The embodiments of the present application are described below in conjunction with the accompanying drawings, it being understood that the embodiments described herein are for illustration and explanation of the present application only and are not intended to limit the present application.
The following describes specific embodiments of a collection method, a device, equipment, a medium and an intelligent terminal based on a near field communication technology NFC according to the embodiments of the present invention with reference to the accompanying drawings.
As shown in fig. 1, the embodiment of the invention provides a collection method based on a near field communication technology NFC, which may include the following steps:
in step S101, payment order information is acquired, the payment order information including an order amount.
In particular, when payment order information is obtained, the payment order information may be obtained directly from the transaction platform, or may be obtained in other manners, for example, manually input by a user, which is not limited in the embodiment of the present invention.
Wherein the payment order information may include, but is not limited to: order number, ordered merchandise information, order amount, order transaction time, and order expiration date.
Step S102, request payment user to select the financial integrated circuit IC card for payment.
The financial IC card may be an entity financial IC card, for example: the bank card may also be a virtual financial IC card, such as a virtual payment application, which is not limited in this embodiment of the present invention.
When the payment user selects the financial integrated circuit IC card for payment, if the payment user uses the entity financial IC card, the payment user is requested to place the financial IC card in a designated area of a collection terminal; if the payment user uses the virtual financial IC card, the payment user is requested to select an application for virtual payment.
The specific request for the payment user to place the financial IC card in the designated area of the payment terminal, or the request for the payment user to select an application program for virtual payment may be displayed in text form on the payment terminal, or the request may be voice-broadcast through the voice function of the payment terminal, which is not limited in the embodiment of the present invention.
Step S103, after determining that the connection is established with the financial IC card of the payment user based on NFC, acquiring the payment password of the financial IC card and the transaction data of the financial IC card.
When the method is implemented, after determining that a payment user selects a financial Integrated Circuit (IC) card for payment, the collection terminal establishes connection with the financial IC card based on the NFC module, and after determining that the connection with the financial IC card of the payment user based on NFC, the collection terminal acquires a payment password of the financial IC card and transaction data of the financial IC card.
Specifically, the payment password of the financial IC card is acquired, and the payment user input may be requested. When the transaction data of the financial IC card is obtained, an APDU command can be sent to the financial IC card, response information returned by the financial IC card is received, the response information is analyzed and processed into a TLV message, and the required transaction data is obtained from the TLV message.
Wherein the transaction data includes, but is not limited to: transaction attributes, authorized amount, transaction date, transaction time, financial IC card number, and transaction type.
In one possible implementation manner, after determining that a connection is established with a financial IC card of a payment user based on NFC, before acquiring a payment password of the financial IC card and transaction data of the financial IC card, a card selection operation is further required to determine a type of the financial IC card used by the user, specifically:
after the connection between the NFC-based financial IC card and the financial IC card of the payment user is established, the pre-stored financial IC card type identification is utilized for card selection, and when the pre-stored financial IC card type identification is utilized for successfully selecting the card, the payment password of the financial IC card and the transaction data of the financial IC card are obtained. Of course, if the card selection is unsuccessful, the payment collection operation cannot be completed.
Among them, the pre-stored financial IC card type identifications include, but are not limited to: PPSE, AID0, AID1, AID2, and AID3.
In one example, when a pre-stored financial IC card type identifier is used for card selection, firstly, starting from PPSE, the payment system payment environment of default non-contact card selection is 2pay.sys.ddf01, if card selection fails, card selection is continued by AID0, if card selection fails by AID0, card selection is continued by AID1, if card selection fails by AID1, card selection is continued by AID2, if card selection fails by AID2, card selection is continued by AID3, and if card selection fails by AID3, a user is prompted that card selection fails.
Step S104, the transaction data, the order amount and the payment password of the financial IC card are digitally signed by using the signing key obtained from the payment platform in advance, and a transaction message is generated.
In the specific implementation, the method for digitally signing the transaction data, the order amount and the payment password of the financial IC card by utilizing the signing key obtained from the payment platform in advance, and generating the transaction message comprises the following steps: based on a predetermined payment specification, packaging transaction data, order amount and payment password of the financial IC card into a data message; and carrying out digital signature on the data message by utilizing a signature key obtained from a payment platform in advance, and generating a transaction message. Wherein the predetermined payment specification may be a UnionPayment specification.
In specific implementation, the data are reorganized into dcdata message data according to the Unionpay payment specification. The dcdata message processing mode comprises hex conversion, hex encoding and character default filling. The processing message field has track2, validity period, pin verification field, and transaction counter (ATC) is applied. The message processing modes can be different according to different financial IC card types.
In specific implementation, the digital signature is performed on the data message by using a signature key obtained from a payment platform in advance, so as to generate a transaction message, which comprises the following steps: encrypting part of data in the data message by utilizing an encryption key obtained from a payment platform in advance to generate an encrypted message; and carrying out digital signature on the encrypted message and the unencrypted part of the data in the data message by utilizing a signing key obtained from the payment platform in advance, so as to generate a transaction message.
Specifically, when encrypting part of data in the data packet, encryption can be performed on sensitive parameters of the financial IC card, for example, card number, transaction amount, pin value, track data, dcdata, validity period, transaction date and the like of the financial IC card, packet assembly is performed according to ascending order of characters of the packet parameters, the packet is added to data, then AES encryption is performed by using an encryption key obtained from a payment platform in advance, an encrypted packet is generated, then the unencrypted part of data in the data packet, namely, the non-sensitive data, is subjected to sorting processing and added to the front end of the encrypted packet, RSA signature processing is performed on the encrypted packet after the unencrypted part of data in the data packet is added, and signature is performed by using a signature key obtained from the payment platform in advance.
The encryption key obtained from the payment platform in advance is obtained by the following steps: creating a local key for each payment order information; sending a key exchange request to a payment platform, wherein the key exchange request comprises a local key; and receiving a response message of the payment platform to the key exchange request, and acquiring an encryption key from the response message.
It should be noted that, for each payment order information, a local key is created, different payment order information is created, the created local key is different, and further, the encryption key obtained from the payment platform exchange is also different. When each piece of payment order information is processed, the encryption key obtained from the payment platform is exchanged and valid only in the transaction period of processing the payment order information, after one piece of payment order information is processed, the local key needs to be re-created for the next piece of payment order information, and a new encryption key is obtained from the payment platform in an exchanging mode.
Step S105, the transaction message is sent to a payment platform for payment.
When the method is implemented, after the transaction message is sent to the payment platform for payment, the payment platform performs signature verification on the transaction message in a front-end module part, the stored private key is used for verifying the transaction message, and if verification fails, response information of failure payment is sent to the collection terminal; if the verification is successful, processing the message of the order which is valid in the legal system, analyzing the transaction data, sending the transaction data to an encryption machine for encryption, and then sending the transaction data to a payment channel for payment, thus completing the collection operation.
It should be noted that, if the payment platform processes the message of the legal and effective order, if the payment platform determines that the order has been paid, a response message that the payment has been successful is sent to the collection terminal; if the order message cannot be decrypted, sending a response message of failure payment to the receiving terminal.
In one possible implementation, the checkout terminal, when first used, needs to establish a communication connection with the paymate and send characteristic information identifying the identity, e.g., device information, to the paymate to request authentication. If the identity verification is legal, the collection terminal and the payment platform are connected, otherwise, the initialization fails, and the collection operation cannot be performed.
In one possible implementation, the checkout terminal may also perform a balance inquiry operation. If the operation is the operation of inquiring the balance, the detailed information of the balance of the financial IC card is returned after the inquiry is successful.
Based on the same inventive concept, the embodiment of the invention also provides a cash register based on the NFC technology.
As shown in fig. 2, an embodiment of the present invention provides an NFC-based cash register, including:
the first obtaining unit 201 is configured to obtain payment order information, where the payment order information includes an order amount.
And a display unit 202 for requesting the payment user to place the financial integrated circuit IC card in a designated area of the collection terminal.
And a second acquiring unit 203 for acquiring a payment password of the financial IC card and transaction data of the financial IC card after determining that the connection is established with the financial IC card of the payment user based on the NFC.
The encryption signature unit 204 is configured to digitally sign the transaction data, the order amount, and the payment password of the financial IC card by using a signature key acquired in advance from the payment platform, and generate a transaction message.
And the sending unit 205 is configured to send the transaction message to the payment platform for payment.
In one possible implementation, the cryptographic signing unit 204 is specifically configured to: based on a predetermined payment specification, packaging transaction data, order amount and payment password of the financial IC card into a data message; and carrying out digital signature on the data message by utilizing a signature key obtained from a payment platform in advance, and generating a transaction message.
In one possible implementation, the cryptographic signing unit 204 is specifically configured to: encrypting part of data in the data message by utilizing an encryption key obtained from a payment platform in advance to generate an encrypted message; and carrying out digital signature on the encrypted message and the unencrypted part of the data in the data message by utilizing a signing key obtained from the payment platform in advance, so as to generate a transaction message.
In one possible implementation, the cryptographic signing unit 204 obtains the cryptographic key from the paymate in advance by: creating a local key for each payment order information; sending a key exchange request to a payment platform, wherein the key exchange request comprises a local key; and receiving a response message of the payment platform to the key exchange request, and acquiring an encryption key from the response message.
In one possible implementation, the second obtaining unit 203 is specifically configured to: after determining that connection is established between the NFC-based financial IC card and the financial IC card of the payment user, selecting the card by utilizing a prestored financial IC card type identifier; and when the card selection is successful by utilizing the prestored financial IC card type identification, acquiring a payment password of the financial IC card and transaction data of the financial IC card.
In one possible implementation, the transaction data of the financial IC card includes one or more of the following: transaction attributes, authorization amounts, transaction dates, transaction times, and transaction types.
In one possible implementation, the financial IC card includes one or more of the following: physical financial IC card, virtual financial IC card.
In addition, the embodiment of the invention provides an intelligent terminal, which comprises a Near Field Communication (NFC) module and the NFC-based cash collecting device.
In addition, the NFC-based checkout method and apparatus of embodiments of the invention described in connection with fig. 1-2 may be implemented by an NFC-based checkout device. Fig. 3 is a schematic hardware structure of an NFC-based dock according to an embodiment of the present invention.
The NFC-based checkout device may include a processor 301 and a memory 302 storing computer program instructions.
In particular, the processor 301 may include a Central Processing Unit (CPU), or an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), or may be configured as one or more integrated circuits that implement embodiments of the present invention.
The processor 301 implements any of the NFC-based collection methods of the above embodiments by reading and executing computer program instructions stored in the memory 302.
In one example, the NFC-based checkout device may also include a communication interface 303 and a bus 310, where, as shown in FIG. 3, the processor 301, memory 302, and communication interface 303 are connected and communicate with each other via the bus 310.
The communication interface 303 is mainly used to implement communication between each module, device, unit and/or apparatus in the embodiment of the present invention.
The NFC-based checkout device may perform the NFC-based checkout method in the embodiments of the present invention based on the acquired payment order information, thereby implementing the NFC-based checkout method and apparatus described in connection with fig. 1-2.
In addition, in combination with the NFC-based collection method in the above embodiment, an embodiment of the present invention may be implemented by providing a computer-readable storage medium. The computer readable storage medium has stored thereon computer program instructions; the computer program instructions, when executed by a processor, implement any of the NFC-based collection methods of the above embodiments.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, magnetic disk storage, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
It will be apparent to those skilled in the art that various modifications and variations can be made to the present invention without departing from the spirit or scope of the invention. Thus, it is intended that the present invention also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.
Claims (9)
1. The collecting method based on the NFC technology is characterized by comprising the following steps of:
acquiring payment order information, wherein the payment order information comprises order amount;
requesting a payment user to select a financial integrated circuit IC card for payment;
after determining that connection is established with a financial IC card of the payment user based on NFC, acquiring a payment password of the financial IC card and transaction data of the financial IC card;
digitally signing transaction data of the financial IC card, the order amount and a payment password of the financial IC card by utilizing a signing key obtained from a payment platform in advance to generate a transaction message;
sending the transaction message to a payment platform for payment;
the method for generating the transaction message includes the steps of:
based on a predetermined payment specification, packaging transaction data of the financial IC card, the order amount and a payment password of the financial IC card into a data message;
carrying out digital signature on the data message by utilizing a signing key obtained from a payment platform in advance to generate the transaction message;
digitally signing the data message by using a signing key obtained from a payment platform in advance, and generating the transaction message, wherein the method comprises the following steps:
encrypting part of data in the data message by utilizing an encryption key obtained from a payment platform in advance to generate an encrypted message;
and carrying out digital signature on the encrypted message and the unencrypted part of data in the data message by utilizing a signature key obtained from a payment platform in advance, so as to generate the transaction message.
2. The method of claim 1, wherein the encryption key previously obtained from the paymate is obtained by:
creating a local key for each payment order information;
sending a key exchange request to the payment platform, wherein the key exchange request comprises the local key;
and receiving a response message of the payment platform to the key exchange request, and acquiring the encryption key from the response message.
3. The method according to claim 1, wherein the acquiring the payment password of the financial IC card and the transaction data of the financial IC card after determining that the connection is established with the financial IC card of the payment user based on NFC, comprises:
after determining that connection is established between the NFC-based financial IC card and the financial IC card of the payment user, selecting a card by utilizing a prestored financial IC card type identifier;
and when the pre-stored financial IC card type identification card selection is successful, acquiring a payment password of the financial IC card and transaction data of the financial IC card.
4. A method according to any one of claims 1-3, wherein the transaction data of the financial IC card comprises one or more of: transaction attributes, authorization amounts, transaction dates, transaction times, and transaction types.
5. A method according to any one of claims 1-3, wherein the financial IC card comprises one or more of: physical financial IC card, virtual financial IC card.
6. A Near Field Communication (NFC) -based cash register device, comprising:
a first acquisition unit configured to acquire payment order information including an order amount;
a display unit for requesting a payment user to select a financial integrated circuit IC card for payment;
a second acquiring unit configured to acquire a payment password of the financial IC card and transaction data of the financial IC card after determining that connection is established with the financial IC card of the payment user based on NFC;
the encryption signature unit is used for digitally signing the transaction data of the financial IC card, the order amount and the payment password of the financial IC card by utilizing a signature key acquired from a payment platform in advance to generate a transaction message;
the sending unit is used for sending the transaction message to a payment platform for payment;
the encryption signature unit is specifically used for: based on a predetermined payment specification, packaging transaction data, order amount and payment password of the financial IC card into a data message; carrying out digital signature on the data message by utilizing a signature key obtained from a payment platform in advance to generate a transaction message;
the encryption signature unit is used for digitally signing the data message by using a signature key obtained from a payment platform in advance, and generating a transaction message, which is specifically used for: encrypting part of data in the data message by utilizing an encryption key obtained from a payment platform in advance to generate an encrypted message; and carrying out digital signature on the encrypted message and the unencrypted part of the data in the data message by utilizing a signing key obtained from the payment platform in advance, so as to generate a transaction message.
7. An intelligent terminal, characterized in that the intelligent terminal comprises a Near Field Communication (NFC) module and the NFC-based cash collecting device as claimed in claim 6.
8. A collection device based on near field communication technology NFC, comprising: at least one processor, at least one memory, and computer program instructions stored in the memory, which when executed by the processor, implement the method of any one of claims 1-5.
9. A computer readable storage medium having stored thereon computer program instructions, which when executed by a processor, implement the method of any of claims 1-5.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811329859.1A CN111178873B (en) | 2018-11-09 | 2018-11-09 | NFC (near field communication) based collection method and NFC based collection device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811329859.1A CN111178873B (en) | 2018-11-09 | 2018-11-09 | NFC (near field communication) based collection method and NFC based collection device |
Publications (2)
| Publication Number | Publication Date |
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| CN111178873A CN111178873A (en) | 2020-05-19 |
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