CN112508554A - Transaction processing method and device based on near field communication - Google Patents
Transaction processing method and device based on near field communication Download PDFInfo
- Publication number
- CN112508554A CN112508554A CN202110122441.9A CN202110122441A CN112508554A CN 112508554 A CN112508554 A CN 112508554A CN 202110122441 A CN202110122441 A CN 202110122441A CN 112508554 A CN112508554 A CN 112508554A
- Authority
- CN
- China
- Prior art keywords
- transaction
- transaction processing
- state
- equipment
- nfc
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
- 238000004891 communication Methods 0.000 title claims abstract description 46
- 238000003672 processing method Methods 0.000 title claims abstract description 23
- 238000012545 processing Methods 0.000 claims abstract description 150
- 238000000034 method Methods 0.000 claims abstract description 32
- 230000008569 process Effects 0.000 claims abstract description 14
- 230000006855 networking Effects 0.000 claims description 22
- 238000004590 computer program Methods 0.000 claims description 7
- 238000007726 management method Methods 0.000 description 17
- 230000006870 function Effects 0.000 description 11
- 238000010586 diagram Methods 0.000 description 9
- 230000005540 biological transmission Effects 0.000 description 5
- 230000003287 optical effect Effects 0.000 description 5
- 238000001514 detection method Methods 0.000 description 4
- 230000005611 electricity Effects 0.000 description 3
- 238000005516 engineering process Methods 0.000 description 2
- 239000000463 material Substances 0.000 description 2
- 230000002093 peripheral effect Effects 0.000 description 2
- 238000012546 transfer Methods 0.000 description 2
- 230000002159 abnormal effect Effects 0.000 description 1
- 230000009471 action Effects 0.000 description 1
- 230000004075 alteration Effects 0.000 description 1
- 238000003491 array Methods 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 230000003993 interaction Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 239000013307 optical fiber Substances 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
- 230000007704 transition Effects 0.000 description 1
- 238000004148 unit process Methods 0.000 description 1
Images
Classifications
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
- G06K7/10009—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
- G06K7/10297—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves arrangements for handling protocols designed for non-contact record carriers such as RFIDs NFCs, e.g. ISO/IEC 14443 and 18092
Abstract
The application provides a transaction processing method and device based on near field communication, wherein the transaction processing method and device are applied to Near Field Communication (NFC) equipment, the NFC equipment comprises an NFC unit and a safety unit, and the NFC unit and the safety unit are connected through a host control interface and comprise the following steps: receiving a transaction processing request, and sending equipment state information and transaction state information of NFC equipment acquired by an NFC unit to a safety unit through a preset interface protocol; the safety unit acquires preset transaction processing conditions corresponding to the equipment state information, judges whether the transaction state information meets the transaction processing conditions or not, and processes the transaction processing request under the condition that the transaction processing conditions are met. Therefore, the transaction processing conditions are determined according to the equipment state information, and the transaction processing request is processed in a targeted mode according to the transaction state information and the transaction processing conditions, so that the security of transaction processing is improved.
Description
Technical Field
The present application relates to the field of payment security technologies, and in particular, to a transaction processing method and apparatus based on near field communication.
Background
With the continuous development of NFC (Near Field Communication) technology, NFC payment shows an increasing trend in mobile payment.
Generally, different payment applications have different strictness degrees on security, and in the related art, under the condition that an NFC device (such as a mobile phone) is powered off or not networked, as long as a digital wallet with digital money at the central bank is on the device, a network is not needed, or even the device is powered off, as long as both the devices of the payment and payment parties collide with each other, a transfer function can be realized, and the transaction security is poorer.
Disclosure of Invention
The present application is directed to solving, at least to some extent, one of the technical problems in the related art.
The application provides a transaction processing method and device based on near field communication, which are used for determining transaction processing conditions according to equipment state information and processing a transaction processing request in a targeted manner according to the transaction state information and the transaction processing conditions, so that the risk of transaction is controllable, and the transaction safety of a user is protected.
An embodiment of a first aspect of the present application provides a transaction processing method based on near field communication, which is applied to an NFC device for near field communication, where the NFC device includes an NFC unit and a security unit, and the NFC unit and the security unit are connected through a host control interface, and the method includes:
receiving a transaction processing request, wherein the NFC unit acquires the equipment state information and the transaction state information of the NFC equipment and sends the equipment state information and the transaction state information to the safety unit through a preset interface protocol;
the safety unit acquires preset transaction processing conditions corresponding to the equipment state information, judges whether the transaction state information meets the transaction processing conditions or not, and processes the transaction processing request under the condition that the transaction processing conditions are met.
According to the transaction processing method based on the near field communication, by receiving a transaction processing request, the NFC unit acquires the equipment state information and the transaction state information of the NFC equipment and sends the equipment state information and the transaction state information to the safety unit through a preset interface protocol; the safety unit acquires preset transaction processing conditions corresponding to the equipment state information, judges whether the transaction state information meets the transaction processing conditions or not, and processes the transaction processing request under the condition that the transaction processing conditions are met. Therefore, the transaction processing conditions are determined according to the equipment state information, and the transaction processing request is processed in a targeted mode according to the transaction state information and the transaction processing conditions, so that the security of transaction processing is improved.
In an embodiment of the present application, the device state information includes one or more of a device power-on state, a device power-off state, a device screen-on state, a device screen-off state, a device screen-locking state, and a device networking state.
In one embodiment of the present application, the NFC device further includes: the power management unit is connected with the equipment power management unit;
acquiring a power supply signal of the equipment power supply management unit, and acquiring an equipment power-on state or an equipment power-off state of the NFC equipment according to the power supply signal; or the like, or, alternatively,
and sending a device state acquisition instruction through a preset software protocol to acquire the device power-on state or the device power-off state of the NFC device.
In an embodiment of the application, a screen state obtaining instruction is sent through a near field communication service, and one of a device screen opening state, a device screen closing state and a device screen locking state of the NFC device is obtained.
In an embodiment of the application, when the NFC device is in a powered on state, a networking state acquisition instruction is sent through a near field communication service to acquire a device networking state of the NFC device.
In an embodiment of the application, the determining whether the transaction state information satisfies the transaction processing condition includes:
acquiring the transaction state information as the current transaction amount, the identity information of both transaction parties, the historical transaction frequency and the transaction amount in a preset time period;
and judging whether the current transaction amount, the identity information of the two transaction parties, the historical transaction frequency and the transaction amount in the preset time period meet the transaction processing conditions.
In an embodiment of the present application, the method further includes:
receiving a transaction processing condition adjustment request; wherein the transaction processing condition adjustment request includes device state information;
and adjusting the preset transaction processing conditions corresponding to the equipment state information according to the transaction processing condition adjustment request.
The embodiment of the second aspect of the application provides a transaction processing device based on near field communication, which comprises an NFC unit and a security unit;
the NFC unit is used for receiving a transaction processing request, acquiring the equipment state information and the transaction state information of the NFC equipment and sending the equipment state information and the transaction state information to the safety unit through a preset protocol;
the safety unit is used for acquiring preset transaction processing conditions corresponding to the equipment state information, judging whether the transaction state information meets the transaction processing conditions or not, and processing the transaction processing request under the condition that the transaction processing conditions are met.
According to the transaction processing device based on the near field communication, by receiving a transaction processing request, the NFC unit acquires the equipment state information and the transaction state information of the NFC equipment and sends the equipment state information and the transaction state information to the safety unit through a preset interface protocol; the safety unit acquires preset transaction processing conditions corresponding to the equipment state information, judges whether the transaction state information meets the transaction processing conditions or not, and processes the transaction processing request under the condition that the transaction processing conditions are met. Therefore, the transaction processing conditions are determined according to the equipment state information, and the transaction processing request is processed in a targeted mode according to the transaction state information and the transaction processing conditions, so that the security of transaction processing is improved.
An embodiment of a third aspect of the present application provides an electronic device, including: the near field communication based transaction processing method comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes the program to realize the near field communication based transaction processing method according to the embodiment of the first aspect of the application.
A fourth aspect of the present application is directed to a non-transitory computer-readable storage medium, having a computer program stored thereon, where the computer program, when executed by a processor, implements a near field communication based transaction processing method as set forth in the first aspect of the present application.
An embodiment of a fifth aspect of the present application proposes a computer program product, wherein instructions of the computer program product, when executed by a processor, perform the transaction processing method based on near field communication as proposed in an embodiment of the first aspect of the present application.
Additional aspects and advantages of the present application will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the present application.
Drawings
The foregoing and/or additional aspects and advantages of the present application will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:
fig. 1 is a schematic flowchart of a transaction processing method based on near field communication according to an embodiment of the present application;
FIG. 2 is a schematic diagram illustrating various mode transitions in a power state of an apparatus according to an embodiment of the present disclosure;
fig. 3 is a schematic diagram illustrating device status information acquisition according to an embodiment of the present application;
FIG. 4 is a diagram illustrating hardware connections of a device system according to an embodiment of the present disclosure;
fig. 5 is a schematic diagram of a device-side Android NFC architecture according to an embodiment of the present application;
FIG. 6 is a diagram illustrating a security internal software architecture according to an embodiment of the present application;
fig. 7 is a schematic structural diagram of a transaction processing device based on near field communication according to a fourth embodiment of the present application;
FIG. 8 illustrates a block diagram of an exemplary electronic device or server suitable for use in implementing embodiments of the present application.
Detailed Description
Reference will now be made in detail to embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary and intended to be used for explaining the present application and should not be construed as limiting the present application.
Based on the above description of the background art, in order to improve the convenience of payment, NFC payment is increasingly popularized in mobile payment, however, for example, in the case that an NFC device (such as a mobile phone) is powered off or not networked, as long as a digital wallet of digital money at the central bank is on the device, a network is not required, or even no power is available, as long as the devices of both payees meet each other, a transfer function can be implemented, and the security of the transaction is relatively poor.
In order to solve the technical problems, the transaction processing conditions are determined according to the device state information, namely different transaction processing conditions are obtained based on different device state information, and the transaction processing request is processed in a targeted manner based on the transaction state information and the transaction processing conditions, so that different safety judgments are performed on different device state information of different NFC devices, such as a device on state, a device off state and the like, so as to process the transaction, and the safety of the transaction processing is improved.
A near field communication-based transaction processing method and apparatus according to an embodiment of the present application are described below with reference to the drawings.
Fig. 1 is a flowchart illustrating a transaction processing method based on near field communication according to an embodiment of the present application.
The conversation identification method can be applied to Near Field Communication (NFC) equipment. The NFC device may be any device having a computing capability and an NFC function, for example, a PC (Personal Computer), a mobile terminal, and the like, and the mobile terminal may be a hardware device having various operating systems, touch screens, and/or display screens, such as a mobile phone, a tablet Computer, a Personal digital assistant, and a wearable device.
As shown in fig. 1, the near field communication based transaction processing method may include the steps of:
In the embodiment of the present application, the NFC device includes an NFC unit and a security unit, and the NFC unit and the security unit are connected through a host control interface, and more specifically, the NFC unit and the security unit may be integrated through the host control interface, such as may be a chip.
In particular, the transaction processing request may be understood as triggering the transaction processing, and may be implemented in many ways, for example, by contacting the NFC device with another NFC-enabled device and triggering the NFC unit through the wireless transmission interface, that is, receiving the transaction processing request.
Further, after receiving the transaction processing request, the NFC unit obtains device state information of the NFC device, such as one or more of a device power-on state, a device power-off state, a device screen-on state, a device screen-off state, a device screen-lock state, and a device networking state.
In this embodiment of the application, there are many ways to obtain the device state information of the NFC device, and the setting may be selected according to an application scenario, for example, as follows:
in a first example, the NFC device further comprises: the NFC equipment comprises a power management unit and an equipment power management unit, wherein the power management unit is connected with the equipment power management unit, acquires a power signal of the equipment power management unit, and acquires an equipment power-on state or an equipment power-off state of the NFC equipment according to the power signal.
In a second example, the device state obtaining instruction is sent through a preset software protocol, so as to obtain a device power-on state or a device power-off state of the NFC device.
In a third example, the screen state obtaining instruction is sent through the NFC service to obtain one of a device screen opening state, a device screen extinguishing state, and a device screen locking state of the NFC device
In a fourth example, when the NFC device is in the powered on state, the networking state obtaining instruction is sent by the NFC service, so as to obtain the device networking state of the NFC device.
Further, the NFC unit obtains transaction state information such as one or more of a current transaction amount, identity information of both parties of the transaction, a historical transaction frequency, and a transaction amount within a preset time period.
Finally, the NFC unit sends the device state information and the transaction state information of the NFC device to the security unit through a preset interface protocol, such as a host control interface protocol.
And 102, the safety unit acquires a preset transaction processing condition corresponding to the equipment state information, judges whether the transaction state information meets the transaction processing condition, and processes the transaction processing request under the condition that the transaction processing condition is met.
In the embodiment of the application, after receiving the device state information and the transaction state information of the NFC device by the NFC unit through a preset interface protocol, such as a host control interface protocol, the security unit obtains a preset transaction processing condition corresponding to the device state information.
It can be understood that, in order to improve the security of transaction processing, different preset transaction processing conditions may be set for different device status information, for example, as follows:
in a first example, in a shutdown state of the device, a user cannot confirm payment through a fingerprint or a payment password in a normal startup state, and is easily stolen by malicious shutdown, so that corresponding preset transaction processing conditions may be set, such as maximum transaction amount, no more than a preset transaction time threshold within a preset time period, and the like.
In the second example, when the device is in the screen-off state or the screen-locking state, the user may be maliciously embezzled in the transaction under the unknown condition, so that the device can also adapt to the preset transaction processing conditions such as transaction amount, transaction times and transaction parties.
In a third example, the device networking state is an offline state, and the device cannot be networked for security authentication, but can perform transaction through fingerprint authentication, so that preset transaction processing conditions such as a higher transaction amount, transaction times and the like can be set.
Further, whether the transaction state information satisfies the transaction processing condition is determined, and the transaction processing request is processed under the condition that the transaction processing condition is satisfied, it can be understood that different transaction processing conditions are different in determining possible transaction processing results for the transaction state information, which is exemplified as follows:
in a first example, the transaction state information is obtained as the current transaction amount, the identity information of both parties of the transaction, the historical transaction frequency and the transaction amount within the preset time period, and whether the current transaction amount, the identity information of both parties of the transaction, the historical transaction frequency and the transaction amount within the preset time period meet the transaction processing conditions is judged.
In a second example, the transaction status information is obtained as the current transaction amount, and whether the current transaction amount satisfies the transaction processing condition is determined.
When the transaction processing condition is not satisfied, the transaction processing request is not processed, that is, the transaction processing request is rejected.
According to the transaction processing method based on the near field communication, by receiving a transaction processing request, the NFC unit acquires the equipment state information and the transaction state information of the NFC equipment and sends the equipment state information and the transaction state information to the safety unit through a preset interface protocol; the safety unit acquires preset transaction processing conditions corresponding to the equipment state information, judges whether the transaction state information meets the transaction processing conditions or not, and processes the transaction processing request under the condition that the transaction processing conditions are met. Therefore, the transaction processing conditions are determined according to the equipment state information, and the transaction processing request is processed in a targeted mode according to the transaction state information and the transaction processing conditions, so that the security of transaction processing is improved.
Based on the above embodiment, the present application sends the device state information (for example, state or action information such as device power-on, device normal power-off, device power-off without power, device networking, screen-off and screen-locking, etc.) to the security unit through the NFC unit.
It can be understood that the NFC unit may acquire the device state information through hardware or software, and acquire the state that may affect the secure payment through hardware or software, and provide the state to the security unit to perform the targeted subdivision processing on the security of the transaction, thereby ensuring the security of the transaction.
In a possible implementation manner of the embodiment of the present application, the device state information includes one or more of a device power-on state, a device power-off state, a device screen-on state, a device screen-off state, a device screen-lock state, and a device networking state.
Specifically, as shown in fig. 2, Display off/Lock, Switch on, Switch off (Power off, including normal Power off or no Power off), Battery off (Battery complete physical Power off), PMU (Power Management Unit), and VBAT are voltages.
Specifically, in the Display Off/Lock state, PMU Off is in the device Off state, VBAT is LOW, and Display On is in the device On state; in the Switch On state, pmuoff is in the device Off state, VBAT is in the LOW possibly Battery Off state, pmuon is in the device On state in the Switch Off state, and VBAT is in the HIG (high) state in the Battery Off state.
It should be noted that, when the device is powered off in a power-off state, the actual battery is not the true 0% of the electricity, but 20% to 30% of the standby electricity is still left, the voltage may reach, for example, 3.3V, the powers of the NFC unit and the security unit are very low, the remaining electricity of the NFC device still supplies power to the NFC unit normally, the NFC unit is sufficiently driven to complete communication with the security unit for many times, the security unit application completes or rejects a transaction, and the complete physical power-off state of the battery corresponds to the complete power-off state of the battery.
In a possible implementation manner of the embodiment of the present application, the NFC device further includes: the power management unit is connected with the equipment power management unit; acquiring a power supply signal of a device power supply management unit, and acquiring a device power-on state or a device power-off state of the NFC device according to the power supply signal; or, sending a device state acquisition instruction through a preset software protocol to acquire a device power-on state or a device power-off state of the NFC device.
Specifically, as shown in fig. 3, the device state information is acquired when the NFC transaction is performed: the NFC and eSE (i.e., NFC unit and secure unit) chips can acquire the device on/off state, the device off/screen lock state, and the networking state in two ways: hardware and software. The on-off state of the equipment and the screen-off and screen-locking state of the equipment can be transmitted through software and hardware at the same time, and the networking state can be transmitted only through the software.
Specifically, as shown in fig. 4, the Power Management unit (Integrated Power Management) is directly connected to the device Power Management unit (Mobile Power Management), and the device Power Management unit includes: battery module (Battery) and System power PMU unit (System PMU).
Specifically, the hardware physical power detection and detection circuit can realize equipment power detection according to a power signal of the mobile PMU to finish equipment shutdown detection; when the normal equipment is actively powered off, acquiring the on-off state of the equipment through a built-in NFC forum software protocol stack; when the device is abnormally shut down, the state is detected based on the hardware physical power supply.
In a possible implementation manner of the embodiment of the application, the screen state obtaining instruction is sent through the near field communication service to obtain one of a screen opening state, a screen closing state and a screen locking state of the NFC device, and the networking state obtaining instruction is sent through the near field communication service to obtain the device networking state of the NFC device when the NFC device is in the screen opening state.
Specifically, as shown in fig. 5, the NFC and the eSE (NFC unit and security unit) constitute a chip hardware layer, the HAL can be understood as a hardware driver layer, the Native can be understood as a software service packet layer, the Android is an operating system layer, and the top is various device application software used by daily users.
Specifically, the command for issuing the SCREEN STATE obtaining instruction based on the NFC service may be, for example, command SCREEN _ STATE _ CMD, and one of a SCREEN on STATE, a SCREEN off STATE, and a SCREEN locked STATE of the device (SCREEN is turned on, SCREEN is turned off, and SCREEN is locked) may be obtained.
Specifically, in the above embodiment, the device STATE obtaining instruction is sent through a preset software protocol to obtain the device POWER-on STATE or the device POWER-off STATE of the NFC device, for example, the device POWER-on/off STATE obtaining instruction issued through the device software end near field communication service may be, for example, the device POWER-on/off STATE obtaining instruction may be SCREEN _ STATE _ CMD/RSP, CORE _ SET _ POWER _ MODE _ CMD/RSP, and the device POWER-on/off STATE is obtained.
Specifically, in the power-off state, the device networking state cannot be acquired, and the networking state in the power-on state is acquired and issued to a chip composed of the NFC unit and the security unit through the NFC service networking state.
Based on the above embodiments, it can be understood that the security processing of the transaction is mainly performed in the security unit, the NFC unit is responsible for transmitting the device status information to the security unit, and the application built in the security unit is responsible for determining whether the status is a normal transaction condition, so as to process the transaction, for example, the user swipes the card through the RF Interface wireless transmission Interface to activate the NFC unit for processing, the NFC unit transmits the data to the security unit SE (secure element) through the host control Interface HCI Interface, and the payment applications (programs) pre-installed in the SE process the payment transaction. Besides the device status information, the security unit also needs to perform corresponding security processing according to other input information of the NFC unit, such as the amount of money.
For example, as shown in fig. 6, in a single chip integrated with an NFC unit and a security unit SE, the two units perform information transmission, such as transmission and reception of device state information (power on/off, screen off and screen lock) through a Host Controller Interface (HCI) Interface, and perform NFC security transaction security processing based on a device system, specifically, the NFC unit and the security unit perform state interaction, and after acquiring a state, the NFC unit sends a state message to the security unit through an HCI protocol; after the security unit acquires the state, marking the current state (equipment state information, transaction state information and the like); and the Applet in the safety unit acquires the current STATE in real time through an instruction such as PMU service GET _ PMU _ STATE _ CMD/RSP to complete the transaction processing.
The networking state is transmitted and received, and the NFC service networking state is acquired and is transmitted to the NFC unit and the safety unit; after the security unit acquires the state, marking the current state; and the Applet in the safety unit acquires the current STATE in real time through an instruction such as PMU service GET _ PMU _ STATE _ CMD/RSP to complete the transaction processing.
Specifically, the security unit processes the transaction, and after receiving the device state information, the transaction applets application built in the security unit further needs other input information of the NFC unit to perform corresponding processing, for example, the transaction amount can be processed according to the device state information (the device on/off state, the screen off/lock state, the device networking state), the transaction amount (large amount, small amount), the identity of both parties of the transaction (bus, bank, individual, etc.), the historical transaction frequency, and the accumulated daily transaction amount.
Further, after the information is acquired, for example, in an abnormal state, the transaction of the large amount is totally rejected, and only the transaction of the small amount is allowed; and the transaction processing flexibility can be further improved by performing more detailed processing according to the arrangement and combination of the conditions.
In one possible implementation manner of the embodiment of the application, a transaction processing condition adjustment request is received; wherein the transaction processing condition adjustment request includes device state information; and adjusting the preset transaction processing conditions corresponding to the equipment state information according to the transaction processing condition adjustment request.
It can be understood that the consideration factors can be set in advance by the user, such as setting the single transaction amount in advance by the user, and setting the transaction processing conditions such as the upper limit of daily transaction amount or refusing the transaction under the condition that some type of merchant is out of power.
Therefore, by the identification, transmission and transaction processing limiting operation of the equipment state information, normal transaction of an NFC payment user can be guaranteed under various conditions, malicious embezzlement can be prevented, the loss risk of the user is reduced, and the method is particularly suitable for payment application with safety requirements on double offline.
Corresponding to the transaction processing method based on near field communication provided in the embodiments of fig. 1 to 6, the present application also provides a transaction processing device based on near field communication, and since the transaction processing device based on near field communication provided in the embodiments of the present application corresponds to the transaction processing method based on near field communication provided in the embodiments of fig. 1 to 6, the implementation manner of the transaction processing method based on near field communication is also applicable to the transaction processing device based on near field communication provided in the embodiments of the present application, and is not described in detail in the embodiments of the present application.
Fig. 7 is a schematic structural diagram of a transaction processing device based on near field communication according to a fifth embodiment of the present application.
As shown in fig. 7, the transaction processing apparatus 700 based on near field communication is applied to an NFC device, and includes: an NFC unit 701 and a secure unit 702.
And the NFC unit 701 is used for receiving a transaction processing request, acquiring the equipment state information and the transaction state information of the NFC equipment by the NFC unit, and sending the equipment state information and the transaction state information to the safety unit through a preset protocol.
A security unit 702, configured to obtain a preset transaction processing condition corresponding to the device status information, determine whether the transaction status information satisfies the transaction processing condition, and process the transaction processing request when the transaction processing condition is satisfied.
According to the transaction processing device based on the near field communication, by receiving a transaction processing request, the NFC unit acquires the equipment state information and the transaction state information of the NFC equipment and sends the equipment state information and the transaction state information to the safety unit through a preset interface protocol; the safety unit acquires preset transaction processing conditions corresponding to the equipment state information, judges whether the transaction state information meets the transaction processing conditions or not, and processes the transaction processing request under the condition that the transaction processing conditions are met. Therefore, the transaction processing conditions are determined according to the equipment state information, and the transaction processing request is processed in a targeted mode according to the transaction state information and the transaction processing conditions, so that the security of transaction processing is improved.
FIG. 8 illustrates a block diagram of an exemplary electronic device or server suitable for use in implementing embodiments of the present application. The electronic device or server 12 shown in fig. 8 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present application.
As shown in fig. 8, the electronic device or server 12 is in the form of a general purpose computing device. The components of the electronic device or server 12 may include, but are not limited to: one or more processors or processing units 16, a system memory 28, and a bus 18 that couples various system components including the system memory 28 and the processing unit 16.
Bus 18 represents one or more of any of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, and a processor or local bus using any of a variety of bus architectures. These architectures include, but are not limited to, Industry Standard Architecture (ISA) bus, Micro Channel Architecture (MAC) bus, enhanced ISA bus, Video Electronics Standards Association (VESA) local bus, and Peripheral Component Interconnect (PCI) bus, to name a few.
The electronic device or server 12 typically includes a variety of computer system readable media. Such media may be any available media that is accessible by the electronic device or server 12 and includes both volatile and nonvolatile media, removable and non-removable media.
A program/utility 40 having a set (at least one) of program modules 42 may be stored, for example, in memory 28, such program modules 42 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which examples or some combination thereof may comprise an implementation of a network environment. Program modules 42 generally perform the functions and/or methodologies of the embodiments described herein.
The electronic device or server 12 may also communicate with one or more external devices 14 (e.g., keyboard, pointing device, display 24, etc.), with one or more devices that enable a user to interact with the electronic device or server 12, and/or with any devices (e.g., network card, modem, etc.) that enable the electronic device or server 12 to communicate with one or more other computing devices. Such communication may be through an input/output (I/O) interface 22. Also, the electronic device or server 12 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public Network such as the Internet) via the Network adapter 20. As shown, the network adapter 20 communicates with the electronic device or other module of the server 12 over the bus 18. It should be understood that although not shown in the figures, other hardware and/or software modules may be used in conjunction with the electronic device or server 12, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.
The processing unit 16 executes various functional applications and data processing, for example, implementing the methods mentioned in the foregoing embodiments, by executing programs stored in the system memory 28.
In the description herein, reference to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.
Furthermore, the terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In the description of the present application, "plurality" means at least two, e.g., two, three, etc., unless specifically limited otherwise.
Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing steps of a custom logic function or process, and alternate implementations are included within the scope of the preferred embodiment of the present application in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present application.
The logic and/or steps represented in the flowcharts or otherwise described herein, e.g., an ordered listing of executable instructions that can be considered to implement logical functions, can be embodied in any computer-readable medium for use by or in connection with an instruction execution system, apparatus, or device, such as a computer-based system, processor-containing system, or other system that can fetch the instructions from the instruction execution system, apparatus, or device and execute the instructions. For the purposes of this description, a "computer-readable medium" can be any means that can contain, store, communicate, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device. More specific examples (a non-exhaustive list) of the computer-readable medium would include the following: an electrical connection (electronic device) having one or more wires, a portable computer diskette (magnetic device), a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber device, and a portable compact disc read-only memory (CDROM). Additionally, the computer-readable medium could even be paper or another suitable medium upon which the program is printed, as the program can be electronically captured, via for instance optical scanning of the paper or other medium, then compiled, interpreted or otherwise processed in a suitable manner if necessary, and then stored in a computer memory.
It should be understood that portions of the present application may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, the various steps or methods may be implemented in software or firmware stored in memory and executed by a suitable instruction execution system. If implemented in hardware, as in another embodiment, any one or combination of the following techniques, which are known in the art, may be used: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application specific integrated circuit having an appropriate combinational logic gate circuit, a Programmable Gate Array (PGA), a Field Programmable Gate Array (FPGA), or the like.
It will be understood by those skilled in the art that all or part of the steps carried by the method for implementing the above embodiments may be implemented by hardware related to instructions of a program, which may be stored in a computer readable storage medium, and when the program is executed, the program includes one or a combination of the steps of the method embodiments.
In addition, functional units in the embodiments of the present application may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a stand-alone product, may also be stored in a computer readable storage medium.
The storage medium mentioned above may be a read-only memory, a magnetic or optical disk, etc. Although embodiments of the present application have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present application, and that variations, modifications, substitutions and alterations may be made to the above embodiments by those of ordinary skill in the art within the scope of the present application.
Claims (10)
1. A transaction processing method based on near field communication is applied to Near Field Communication (NFC) equipment, the NFC equipment comprises an NFC unit and a safety unit, the NFC unit and the safety unit are connected through a host control interface, and the method comprises the following steps:
receiving a transaction processing request, wherein the NFC unit acquires the equipment state information and the transaction state information of the NFC equipment and sends the equipment state information and the transaction state information to the safety unit through a preset interface protocol;
the safety unit acquires preset transaction processing conditions corresponding to the equipment state information, judges whether the transaction state information meets the transaction processing conditions or not, and processes the transaction processing request under the condition that the transaction processing conditions are met.
2. The method of claim 1,
the equipment state information comprises one or more of an equipment starting state, an equipment shutdown state, an equipment screen opening state, an equipment screen closing state, an equipment screen locking state and an equipment networking state.
3. The method of claim 2, wherein the NFC device further comprises: the power management unit is connected with the equipment power management unit;
acquiring a power supply signal of the equipment power supply management unit, and acquiring an equipment power-on state or an equipment power-off state of the NFC equipment according to the power supply signal; or the like, or, alternatively,
and sending a device state acquisition instruction through a preset software protocol to acquire the device power-on state or the device power-off state of the NFC device.
4. The method of claim 2,
and sending a screen state acquisition instruction through a near field communication service to acquire one of a device screen opening state, a device screen extinguishing state and a device screen locking state of the NFC device.
5. The method of claim 2,
and when the NFC equipment is in a starting state, sending a networking state acquisition instruction through a near field communication service to acquire the equipment networking state of the NFC equipment.
6. The method of any of claims 1-5, wherein said determining whether the transaction state information satisfies the transaction processing condition comprises:
acquiring the transaction state information as the current transaction amount, the identity information of both transaction parties, the historical transaction frequency and the transaction amount in a preset time period;
and judging whether the current transaction amount, the identity information of the two transaction parties, the historical transaction frequency and the transaction amount in the preset time period meet the transaction processing conditions.
7. The method of claim 1, further comprising:
receiving a transaction processing condition adjustment request; wherein the transaction processing condition adjustment request includes device state information;
and adjusting the preset transaction processing conditions corresponding to the equipment state information according to the transaction processing condition adjustment request.
8. A transaction processing device based on near field communication, comprising an NFC unit and a secure unit;
the NFC unit is used for receiving a transaction processing request, acquiring equipment state information and transaction state information of NFC equipment and sending the equipment state information and the transaction state information to the safety unit through a preset protocol;
the safety unit is used for acquiring preset transaction processing conditions corresponding to the equipment state information, judging whether the transaction state information meets the transaction processing conditions or not, and processing the transaction processing request under the condition that the transaction processing conditions are met.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, when executing the program, implementing a near field communication based transaction processing method as claimed in any of claims 1-7.
10. A server, comprising a memory, a processor and a computer program stored on the memory and executable on the processor, when executing the program, implementing a near field communication based transaction processing method as claimed in any of claims 1-7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110122441.9A CN112508554B (en) | 2021-01-29 | 2021-01-29 | Transaction processing method and device based on near field communication |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110122441.9A CN112508554B (en) | 2021-01-29 | 2021-01-29 | Transaction processing method and device based on near field communication |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN112508554A true CN112508554A (en) | 2021-03-16 |
| CN112508554B CN112508554B (en) | 2021-05-18 |
Family
ID=74952852
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202110122441.9A Active CN112508554B (en) | 2021-01-29 | 2021-01-29 | Transaction processing method and device based on near field communication |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN112508554B (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113869074A (en) * | 2021-09-09 | 2021-12-31 | 维沃移动通信（杭州）有限公司 | Service code-based service processing method and device and electronic equipment |
| WO2023143566A1 (en) * | 2022-01-30 | 2023-08-03 | 中国人民银行数字货币研究所 | Digital currency transaction method and system and digital currency card application apparatus |
| WO2024001767A1 (en) * | 2022-06-30 | 2024-01-04 | 华为技术有限公司 | Method for switching security service, and terminal |
Citations (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103843020A (en) * | 2011-09-18 | 2014-06-04 | 谷歌公司 | One-click offline buying |
| CN104240085A (en) * | 2013-06-07 | 2014-12-24 | 中兴通讯股份有限公司 | Mobile terminal and mobile payment safety verification method and device |
| CN105956849A (en) * | 2016-04-22 | 2016-09-21 | 武汉天喻聚联网络有限公司 | Security payment system based on wearable device and payment method |
| CN106372891A (en) * | 2016-08-23 | 2017-02-01 | 努比亚技术有限公司 | Payment method and apparatus, and mobile terminal |
| CN107547470A (en) * | 2016-06-24 | 2018-01-05 | 中兴通讯股份有限公司 | Mobile terminal and NFC pay control method |
| CN107784497A (en) * | 2017-11-22 | 2018-03-09 | 出门问问信息科技有限公司 | NFC payment and wearable device based on wearable device |
| US20180075445A1 (en) * | 2016-09-14 | 2018-03-15 | Baidu Online Network Technology (Beijing) Co., Ltd. | Nfc payment method and apparatus implemented on mobile terminal |
| CN110458550A (en) * | 2019-08-21 | 2019-11-15 | 深圳市沃特沃德股份有限公司 | Method of payment, device, terminal and storage medium |
| CN111124503A (en) * | 2018-11-01 | 2020-05-08 | 华为终端有限公司 | Automatic activation method of NFC application and terminal |
| CN111507704A (en) * | 2020-04-13 | 2020-08-07 | 佛山职业技术学院 | NFC-based payment method, system and storage medium |
-
2021
- 2021-01-29 CN CN202110122441.9A patent/CN112508554B/en active Active
Patent Citations (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103843020A (en) * | 2011-09-18 | 2014-06-04 | 谷歌公司 | One-click offline buying |
| CN104240085A (en) * | 2013-06-07 | 2014-12-24 | 中兴通讯股份有限公司 | Mobile terminal and mobile payment safety verification method and device |
| CN105956849A (en) * | 2016-04-22 | 2016-09-21 | 武汉天喻聚联网络有限公司 | Security payment system based on wearable device and payment method |
| CN107547470A (en) * | 2016-06-24 | 2018-01-05 | 中兴通讯股份有限公司 | Mobile terminal and NFC pay control method |
| CN106372891A (en) * | 2016-08-23 | 2017-02-01 | 努比亚技术有限公司 | Payment method and apparatus, and mobile terminal |
| US20180075445A1 (en) * | 2016-09-14 | 2018-03-15 | Baidu Online Network Technology (Beijing) Co., Ltd. | Nfc payment method and apparatus implemented on mobile terminal |
| CN107784497A (en) * | 2017-11-22 | 2018-03-09 | 出门问问信息科技有限公司 | NFC payment and wearable device based on wearable device |
| CN111124503A (en) * | 2018-11-01 | 2020-05-08 | 华为终端有限公司 | Automatic activation method of NFC application and terminal |
| CN110458550A (en) * | 2019-08-21 | 2019-11-15 | 深圳市沃特沃德股份有限公司 | Method of payment, device, terminal and storage medium |
| CN111507704A (en) * | 2020-04-13 | 2020-08-07 | 佛山职业技术学院 | NFC-based payment method, system and storage medium |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113869074A (en) * | 2021-09-09 | 2021-12-31 | 维沃移动通信（杭州）有限公司 | Service code-based service processing method and device and electronic equipment |
| WO2023143566A1 (en) * | 2022-01-30 | 2023-08-03 | 中国人民银行数字货币研究所 | Digital currency transaction method and system and digital currency card application apparatus |
| WO2024001767A1 (en) * | 2022-06-30 | 2024-01-04 | 华为技术有限公司 | Method for switching security service, and terminal |
Also Published As
| Publication number | Publication date |
|---|---|
| CN112508554B (en) | 2021-05-18 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN112508554B (en) | Transaction processing method and device based on near field communication | |
| TWI486004B (en) | Systems and methods for providing nfc secure application support in battery on and battery off modes | |
| CN111835689B (en) | Identity authentication method of digital key, terminal device and medium | |
| KR20180005660A (en) | Mobile Payment Device and Mobile Payment System | |
| US8332915B2 (en) | Information processing system, information processing apparatus, mobile terminal and access control method | |
| US20040068656A1 (en) | Smart card wake up system | |
| WO2015047224A1 (en) | Systems and methods for nfc access control in a secure element centric nfc architecture | |
| WO2014150129A1 (en) | Method and apparatus to effect re-authentication | |
| CN112470159A (en) | System and method for signing transactions using airgap private keys | |
| CA2859676A1 (en) | Preventative security for credential transmission using smart cards | |
| CN110888724B (en) | Split setting method and device, electronic equipment and readable storage medium | |
| KR20190018506A (en) | System-on-Chip and Terminal | |
| CN108470117A (en) | A kind of terminal security control method, device and system | |
| US20210034132A1 (en) | Systems And Methods For Waking An Information Handling System From A Wireless Peripheral Device | |
| AU2020202166B2 (en) | Multi-use near field communication front end on a point of sale system | |
| CN112989851A (en) | NFC card activation method and device and electronic equipment | |
| CN104123512A (en) | Method and device for switching between intelligent secrete key equipment modes | |
| JP2022512297A (en) | Point-of-sale (POS) system and method with dynamic kernel selection | |
| US20220253819A1 (en) | Multi-use near field communication front end on a point of sale system | |
| CN113688367B (en) | Remote data destruction system and method | |
| WO2022121668A1 (en) | Method and apparatus for processing service on smart terminal | |
| KR100528673B1 (en) | The system for removing data in case of emergency | |
| CN111800848B (en) | Smart card control method and device, terminal equipment and readable storage medium | |
| US20180005104A1 (en) | Maintenance system, and computer readable recording medium storing a maintenance program | |
| CA3077054C (en) | Multi-use near field communication front end on a point of sale system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant | ||
| CB03 | Change of inventor or designer information | ||
| CB03 | Change of inventor or designer information |
Inventor after: Di Gang Inventor after: Mu Changchun Inventor after: Zhao Xinyu Inventor after: Lv Yuan Inventor after: Huang Jinhuang Inventor after: Yu Peng Inventor after: Cui Peidong Inventor after: Peng Meiling Inventor before: Huang Jinhuang |
|
| TR01 | Transfer of patent right | ||
| TR01 | Transfer of patent right |
Effective date of registration: 20220129 Address after: 100000 block a, Hengtai Plaza, No. 18, Fengtai North Road, Fengtai District, Beijing Patentee after: THE PEOPLES BANK OF CHINA, DIGITAL CASH Research Institute Patentee after: Beijing Ziguang sinomenine microsystem Co., Ltd Address before: No.1511-05, 15th floor, block D, Tsinghua Tongfang science and technology building, No.1 Wangzhuang Road, Haidian District, Beijing 100084 Patentee before: Beijing Ziguang sinomenine microsystem Co.,Ltd. |