CN102521743B - Mobile phone safety payment method and system on basis of wireless channel - Google Patents

Mobile phone safety payment method and system on basis of wireless channel Download PDF

Info

Publication number
CN102521743B
CN102521743B CN201110362891.1A CN201110362891A CN102521743B CN 102521743 B CN102521743 B CN 102521743B CN 201110362891 A CN201110362891 A CN 201110362891A CN 102521743 B CN102521743 B CN 102521743B
Authority
CN
China
Prior art keywords
mobile phone
key end
low frequency
base station
certificate
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.)
Expired - Fee Related
Application number
CN201110362891.1A
Other languages
Chinese (zh)
Other versions
CN102521743A (en
Inventor
赵启程
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to CN201110362891.1A priority Critical patent/CN102521743B/en
Publication of CN102521743A publication Critical patent/CN102521743A/en
Application granted granted Critical
Publication of CN102521743B publication Critical patent/CN102521743B/en
Expired - Fee Related legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Landscapes

  • Mobile Radio Communication Systems (AREA)
  • Telephone Function (AREA)

Abstract

The invention discloses a mobile phone safety payment method and a mobile phone safety payment system on the basis of a wireless channel. The mobile phone safety payment system comprises a mobile phone end and a key end. A certificate IC (Integrated Circuit) and a microcontroller are arranged at the key end. The certificate IC is bidirectionally connected with the microcontroller. A base station chip is arranged at the mobile phone end. A low frequency antenna and a low frequency wireless communication module are also arranged at the key end. The low frequency antenna is simultaneously bidirectionally connected with the microcontroller and the certificate IC through the low frequency wireless communication module. The base station chip can send a low frequency signal comprising personal identification information. The low frequency signal can be captured by the low frequency antenna. Corresponding personal identification information is stored in the microcontroller. According to the invention, the key end acquires energy by low frequency wireless sensing and simultaneously transmits corresponding enciphered data so as to determine a data communication link key of a host, and a low-frequency or/and high-frequency wireless communication mode is started to implement the wireless communication of the certificate IC and the host. The mobile phone safety payment system on the basis of the wireless channel is convenient and rapid to use, has higher reliability, is difficult to physically crack and has high safety.

Description

Safe mobile phone payment method based on radio channel and system
Technical field
The present invention relates to a kind of hand set paying method and system, specifically refer to the safe mobile phone payment method based on radio channel and the payment system based on the method design, belong to wireless communication technology field.
Background technology
Along with continually developing of cell-phone function, mobile-phone payment is as a kind of emerging modes of payments, prevailing and accepted by young man gradually.Mobile-phone payment make consumer by mobile phone carry out scene in real time, noncontact, small amount payment become possibility, met preferably the demand of consumer to mobile payment.Mainly contain at present three kinds of mobile payment implementations: NFC (Near Field Communication, the near-field communication) scheme based on mobile phone, e-NF c (fusion of mobile phone~FISIM card) scheme, SIM Pass (single-chip mobile payment solution) scheme.Compared with first two scheme, SIM Pass scheme only need to be changed SIM card, does not need to replace mobile phone, is the scheme that current domestic application is maximum.But because mobile phone is as the singularity of payment carrier, compared with other third party's modes of payments, the safety problem that mobile-phone payment faces is more outstanding.
(1) mobile phone is easily lost.Once mobile phone is lost, and first will ensure the individual data of mobile phone storage and the safety of fund account.Due to factors such as use habits, most of clients do not arrange the passwords such as start, note, online to mobile phone, although client can open or close mobile payment cryptographic function as required on the mobile phone of supporting mobile payment function, because trouble has been cancelled the setting of mobile payment password mostly.Finding mobile-phone payment solution that is not only convenient but also safety is the prerequisite that mobile payment service obtains spread.
(2) virus and wooden horse threaten.Along with the progress of mobile phone technique, smart mobile phone has been supported to expand types of applications by third party software is installed at present.All malicious codes such as virus and wooden horse under cover likely of these softwares, note or WAP page, how to prevent personal information in mobile phone and fund by malicious code steal, to be subject to that malice controls be to need the problem that further investigate and solve to mobile payment function.
(3) opposite equip. authentication mobile phone bundlees by SIM card and user, and identity legitimacy has certain guarantee.The authentication of opposite equip. is also to guarantee that mobile payment transaction normally carries out indispensable link, prevents that assailant from utilizing the POSS machine of personation mobile phone to be carried out to illegal read-write operation obtains clients fund, account information is another important topic.
Number of patent application is that 201010216271.2 invention discloses a kind of Key equipment based on wireless communication technology, this invention relates to a kind of novel Key equipment of radio communication, is made up of Intelligent treatment chip, wireless communication module, power management module, memory module, human-computer interaction module, peripheral circuit and data/control bus.Wherein, wireless communication module is connected to Intelligent treatment chip by data/control bus.The data communication mode of its wireless communication module and main frame is wireless mode.This communication can be based on Bluetooth technology, Wireless USB (WirelessUniversalSerialBus. is called for short WUSB), Wi-Fi technology and ZigBee technology, realize the radio communication of Key equipment and main frame, user is more convenient to use, quick.But because the said equipment relies on the means of communication such as bluetooth, WI-FI, Wireless USB, ZigBee completely, communicate, and above-mentioned means of communication, coverage reaches 15-100 rice, and this provides chance just to illegal monitoring, has brought potential safety hazard.The said equipment needs battery as the energy simultaneously, makes troubles to user's use.
Summary of the invention
For prior art above shortcomings, the invention provides a kind of safe mobile phone payment method based on radio channel, safer when this method makes consumer pay by mobile phone, convenient and quick.
The present invention has also designed a kind of mobile phone safety payment system based on radio channel based on the method.
To achieve these goals, the technical solution used in the present invention is such:
Based on the safe mobile phone payment method of radio channel, this method is divided mobile phone terminal and key end to be arranged, and key end comprises certificate IC and microcontroller, the built-in transponder of microcontroller and key end identity identification information; Can send the base station ic of low frequency signal in mobile phone terminal setting, this method payment process is,
1) in the time starting mobile-phone payment function, mobile phone terminal base station ic sends low frequency signal in horse back interval, and this low frequency signal comprises key end identity identification information;
2) when key end is arranged in key end identity identification information that the induction region of base station ic and key end identity identification information that low frequency signal comprises preserve with key end microcontroller when consistent, key end is waken up;
3), after key end is waken up, is placed in transponder in microcontroller and sends key end self ID number to base station ic, thereby make key end pass through the checking of base station ic; The low frequency signal that key end work capacity is sent by base station ic provides;
4) key end is by after the checking of base station ic, base station ic is launched low frequency signal again and is started the verification process of certificate IC to mobile phone terminal, now base station ic sends a string random number and the MAC code certificate IC to key end again, key end certificate IC can be by confirming the legitimacy of mobile phone terminal after receiving this random number and MAC code to the verification of mobile phone terminal MAC code, if mobile phone terminal is legal, export random number key to base station ic, thereby make mobile phone terminal pass through the checking of certificate IC; The signal that certificate IC and base station ic send is mutually all the data through encryption;
5) certificate IC is connected with low frequency wireless communication module and/or high-frequency wireless communication module by data/control bus, utilizes random number key and mobile phone terminal to set up the proprietary passage of wireless dummy by low frequency wireless communication module and/or high-frequency wireless communication module;
6) utilize the proprietary passage of described wireless dummy to realize being connected of certificate IC and mobile phone terminal, can pay by mobile phone.
According to a kind of mobile phone safety payment system of said method design, it comprises mobile phone terminal and key end, is provided with certificate IC and microcontroller in key end, and certificate IC is connected with microcontroller is two-way.Its improvement is, be provided with base station ic at mobile phone terminal, also be provided with low-frequency antenna and low frequency wireless communication module in key end, low-frequency antenna by low frequency wireless communication module simultaneously with microcontroller with certificate IC is two-way is connected, described mobile phone terminal base station ic can send the low frequency signal that comprises identity identification information, this low frequency signal can be caught by the low-frequency antenna in key end, the identity identification information of in store correspondence in microcontroller.
Further, described mobile phone terminal is also provided with high-frequency wireless communication module and high frequency antenna, key end is also provided with corresponding high frequency antenna and high-frequency wireless communication module, the high frequency antenna of key end by high-frequency wireless communication module simultaneously with microcontroller with certificate IC is two-way is connected.
The high-frequency wireless communication module of described mobile phone terminal and key end is bluetooth module, wireless USB module, Wi-Fi module or ZigBee module.
Key end of the present invention is responded to and is obtained the energy by low-frequency wireless, transmit corresponding enciphered data simultaneously, with the data link key of confirmation and main frame (mobile phone), and starting low frequency or/and high-frequency wireless communication mode realizes the radio communication of certificate IC and main frame, user is more convenient to use, quick.
Compared with prior art, the present invention has the following advantages:
1) easy to operate: when user uses, need not plug key end (Key device), just can use this Key device near only key end need being placed on to corresponding mobile phone, more convenient to use, quick.
2) reliability is strong: in the process of use, key end need not be carried out Mechanical Contact with mobile phone, and more high reliability reduces the probability of happening that fault damages simultaneously.
3) safe: because LF communication distance is no more than one meter, random key encryption transmission be difficult for being illegally listened; The each transaction of key of high frequency communication is all different, has increased the difficulty cracking.Due to because key end volume is little and sealing completely, make anti-dismounting structure on the other hand, physics is cracked more difficult.
4) key end does not need battery: because key end adopts LF communication, work capacity is provided by base station low frequency signal, uses more convenient.
Mobile-phone payment business of the present invention includes but not limited to, banking transaction, automobile control, gate inhibition, mass transit card, campus meal ticket card, borrower's card etc.
brief description of the drawings
Fig. 1 is communication link process of establishing figure of the present invention.
Fig. 2 is system principle diagram of the present invention.
Embodiment
Below in conjunction with the drawings and specific embodiments, the present invention is described in further detail.
The safe mobile phone payment method that the present invention is based on radio channel divides mobile phone terminal and key end to be arranged, and key end comprises certificate IC and microcontroller, the built-in transponder of microcontroller and key end identity identification information; Can send the base station ic of low frequency signal in mobile phone terminal setting, this method payment process is as follows, simultaneously referring to Fig. 1 (in Fig. 1, only have each step to carry out and correctly just can down carry out, if unsuccessful; closed communication).
1) in the time starting mobile-phone payment function, mobile phone terminal base station ic sends low frequency signal in horse back interval, and this low frequency signal comprises key end identity identification information;
2) when key end is arranged in key end identity identification information that the induction region of base station ic and key end identity identification information that low frequency signal comprises preserve with key end microcontroller when consistent, key end is waken up;
3), after key end is waken up, is placed in transponder in microcontroller and sends No. ID of key end self to base station ic, thereby make key end pass through the checking of base station ic; The low frequency signal that key end work capacity is sent by base station ic provides;
4) key end is by after the checking of base station ic, base station ic is launched low frequency signal again and is started the verification process of certificate IC to mobile phone terminal, now mobile phone terminal base station ic sends a string random number again (random number plays interference effect, increase the security of transmission) and MAC code to the certificate IC of key end, key end certificate IC receives after this random number and MAC code, only have in the time that the MAC code of receiving is verified by the MAC code decipherment algorithm of certificate IC, think that mobile phone terminal is validated user, certificate IC just can export random number key to mobile phone terminal base station ic, thereby make mobile phone terminal pass through the checking of certificate IC, can prevent that so illegal mobile phone terminal from extracting key, really appoint both sides' legitimacy.The signal that certificate IC and base station ic send is mutually all the data through encryption;
5) certificate IC is connected with low frequency wireless communication module and/or high-frequency wireless communication module by data/control bus, utilizes random number key and mobile phone to set up the proprietary passage of wireless dummy by low frequency wireless communication module and/or high-frequency wireless communication module;
6) utilize the proprietary passage of described wireless dummy to realize being connected of certificate IC and mobile phone, can pay by mobile phone.
According to a kind of mobile phone safety payment system of said method design, referring to Fig. 2, it comprises mobile phone terminal and key end, in mobile phone terminal, be provided with base station ic, in key end, be provided with certificate IC, microcontroller, low-frequency antenna and low frequency wireless communication module, low-frequency antenna is by low frequency wireless communication module simultaneously with microcontroller with certificate IC is two-way is connected, and certificate IC is connected with microcontroller is two-way; Described mobile phone terminal base station ic can send the low frequency signal that comprises identity identification information, and this low frequency signal can be caught by the low-frequency antenna in key end, the identity identification information of in store correspondence in microcontroller.
In order to improve the reliability of communication, further, in mobile phone terminal, be also provided with high-frequency wireless communication module and high frequency antenna, in key end, be also provided with corresponding high frequency antenna and high-frequency wireless communication module, high frequency antenna by high-frequency wireless communication module simultaneously with microcontroller with certificate IC is two-way is connected.
High-frequency wireless communication module in described mobile phone terminal and in key end can adopt but be not limited to: bluetooth module, wireless USB module, Wi-Fi module and ZigBee module.High frequency antenna, low-frequency antenna are for receiving and dispatching the radiofrequency signal that meets corresponding signal type.
In the time that key end only has low-frequency antenna and low frequency wireless communication module, mobile phone terminal and key end form single low channel and carry out near-field communication.In the time that mobile phone terminal and key end are set up the high-frequency wireless communication module that matches each other and high frequency antenna, both both can form the two radio channels that simultaneously comprise high and low frequency and had communicated, and the single wireless passage that also can select one of them to form high frequency or low frequency communicates.
While starting mobile-phone payment function, mobile phone terminal base station ic starts interval and sends low frequency signal, low frequency signal comprises identity identification information, key end is during near the induction region of mobile phone, if this signal is consistent with the identity identification information of preserving in key end, key end will be waken up, and be placed in transponder in microcontroller and will send No. ID of key end self to base station ic, thereby make key end pass through the checking of base station ic.This process can prevent that random noise or other undesired signals from waking key end up, and the low-frequency antenna input circuit in key end can ensure that key end where potential energy in office detects the wake-up signal of host side.
Key end is by after the checking of base station ic, and base station ic is launched low frequency signal again and started the verification process of certificate IC to mobile phone.Now cellular base station chip can send a string random number and MAC code to certificate IC, certificate IC is by the legitimacy with confirmation mobile phone terminal to mobile phone terminal MAC code check, and then transponder is exported random number key to mobile phone terminal by low frequency wireless communication module and low-frequency antenna.In order to improve security, each signal sending is all the data through encrypting.
Finally, by being connected to the high-frequency wireless communication module of certificate IC by data/control bus or/and low frequency wireless communication module is utilized the proprietary passage of wireless dummy between random number Key Establishing mobile phone and certificate IC.For mobile phone and certificate IC interface, this passage is completely transparent, it is the wireless channel of encrypting with random key for the external world, cryptographic algorithm includes but not limited to that AES, DES3DES, SCB2, SSF33 algorithm, RSA key are to generating and enciphering and deciphering algorithm, utilize the proprietary passage of this wireless dummy, realize being connected of certificate IC and mobile phone, now can realize safely on-site payment by mobile phone, or internet payment.The proprietary passage of above-mentioned wireless dummy is that high-frequency wireless communication, low frequency wireless communication are used formation individually or simultaneously.
Low frequency communication of the present invention adopts the communication of low-frequency wireless electricity, also can adopt infrared communication, visible ray communication, acoustic communication etc.Speed includes but not limited to 128KHZ, 13.5MKHZ etc.
The same key end of separating with mobile phone that exists in existing Mobile-Payment Technology, but key end only comprises certificate IC and microcontroller, now key end is designed to the structure of pegging graft by USB interface with mobile phone, while using payment function at every turn, key end need to be plugged on mobile phone, carry out payment transaction, both need physical connection again.Not only inconvenient, and access times are many, can affect the reliability of socket, damage socket.
And mobile phone of the present invention and key end adopt radio communication, there is not contact physically in both, therefore solved the drawback of physical contact.Because key end volume is little, lightweight, can make various carry-on ornaments, and sealing completely, and can make Anti-dismantling state.Even if therefore mobile phone is lost, mobile-phone payment function is also safe.In addition, even if there is people to want to steal mobile phone, because its almost illegible is made the key end of ornaments, do not know supporting key end there, so can prevent theft, the payment behavior of malice yet.
The above embodiment of the present invention is to be only explanation example of the present invention, and is not the restriction to embodiments of the present invention.For those of ordinary skill in the field, can also make on the basis of the above description other multi-form variation and variations.Here cannot give exhaustive to all embodiments.Everyly belong to apparent variation or the still row in protection scope of the present invention of variation that technical scheme of the present invention amplifies out.

Claims (2)

1. the safe mobile phone payment method based on radio channel, this method is divided mobile phone terminal and key end to be arranged, key end comprises certificate IC and microcontroller, it is characterized in that: can send the base station ic of low frequency signal in mobile phone terminal setting, the built-in transponder of microcontroller and key end identity identification information; This method payment process is,
1) in the time starting mobile-phone payment function, mobile phone terminal base station ic sends low frequency signal in horse back interval, and this low frequency signal comprises key end identity identification information;
2) when key end is arranged in key end identity identification information that the induction region of base station ic and key end identity identification information that low frequency signal comprises preserve with key end microcontroller when consistent, key end is waken up;
3), after key end is waken up, is placed in transponder in microcontroller and sends key end self ID number to base station ic, thereby make key end pass through the checking of base station ic; The low frequency signal that key end work capacity is sent by base station ic provides;
4) key end is by after the checking of base station ic, base station ic is launched low frequency signal again and is started the verification process of certificate IC to mobile phone terminal, now base station ic sends a string random number and the MAC code certificate IC to key end again, key end certificate IC can be by confirming the legitimacy of mobile phone terminal after receiving this random number and MAC code to the verification of mobile phone terminal MAC code, if mobile phone terminal is legal, export random number key to base station ic, thereby make mobile phone terminal pass through the checking of certificate IC;
5) certificate IC is connected with low frequency wireless communication module and/or high-frequency wireless communication module by data/control bus, utilizes random number key and mobile phone terminal to set up the proprietary passage of wireless dummy by low frequency wireless communication module and/or high-frequency wireless communication module;
6) utilize the proprietary passage of described wireless dummy to realize being connected of certificate IC and mobile phone terminal, can pay by mobile phone.
2. safe mobile phone payment method according to claim 1, is characterized in that: the signal that the 4th) in step, certificate IC and base station ic send is mutually all the data through encryption.
CN201110362891.1A 2011-11-16 2011-11-16 Mobile phone safety payment method and system on basis of wireless channel Expired - Fee Related CN102521743B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201110362891.1A CN102521743B (en) 2011-11-16 2011-11-16 Mobile phone safety payment method and system on basis of wireless channel

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201110362891.1A CN102521743B (en) 2011-11-16 2011-11-16 Mobile phone safety payment method and system on basis of wireless channel

Publications (2)

Publication Number Publication Date
CN102521743A CN102521743A (en) 2012-06-27
CN102521743B true CN102521743B (en) 2014-07-09

Family

ID=46292652

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201110362891.1A Expired - Fee Related CN102521743B (en) 2011-11-16 2011-11-16 Mobile phone safety payment method and system on basis of wireless channel

Country Status (1)

Country Link
CN (1) CN102521743B (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI551074B (en) * 2014-10-01 2016-09-21 動信科技股份有限公司 Communication system and method for near field communication

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102945526B (en) * 2012-10-24 2018-04-27 北京深思数盾科技股份有限公司 A kind of device and method for improving mobile equipment on-line safety of payment
WO2014154129A1 (en) * 2013-03-26 2014-10-02 Shao Tong Two-time near distance connection secure payment device, method, and system
CN104464126A (en) * 2013-09-23 2015-03-25 上海华虹集成电路有限责任公司 Electronic payment device based on NFC
CN103944907A (en) * 2014-04-25 2014-07-23 天地融科技股份有限公司 Data updating method and system
CN105141414A (en) * 2015-09-06 2015-12-09 丹阳伦图电子技术有限公司 Electronic paper based dynamic password device and realizing method thereof
CN106651352A (en) * 2015-11-03 2017-05-10 中国移动通信集团公司 Paying method and device based on near field communication
CN105490711B (en) * 2015-12-31 2018-11-20 福建联迪商用设备有限公司 Bluetooth automatic connection method and main equipment, from equipment and system
CN114827059B (en) * 2021-01-29 2023-06-27 华为技术有限公司 Group member or friend adding method, electronic equipment and system

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101807995A (en) * 2010-01-18 2010-08-18 北京天地融科技有限公司 Electronic signature tool supporting wireless communication and processing method thereof for communicating with terminal
CN102054313A (en) * 2009-10-30 2011-05-11 国民技术股份有限公司 Transparent forwarding-based method and system for dual-band wireless payment authentication
CN201919053U (en) * 2010-12-31 2011-08-03 上海赞润微电子科技有限公司 Mobile phone pendant

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102054313A (en) * 2009-10-30 2011-05-11 国民技术股份有限公司 Transparent forwarding-based method and system for dual-band wireless payment authentication
CN101807995A (en) * 2010-01-18 2010-08-18 北京天地融科技有限公司 Electronic signature tool supporting wireless communication and processing method thereof for communicating with terminal
CN201919053U (en) * 2010-12-31 2011-08-03 上海赞润微电子科技有限公司 Mobile phone pendant

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI551074B (en) * 2014-10-01 2016-09-21 動信科技股份有限公司 Communication system and method for near field communication

Also Published As

Publication number Publication date
CN102521743A (en) 2012-06-27

Similar Documents

Publication Publication Date Title
CN102521743B (en) Mobile phone safety payment method and system on basis of wireless channel
CN101159551B (en) Multifunctional information safety equipment and method of use thereof
CN102034321B (en) Authentication method and system used for wireless payment
CN102186169A (en) Identity authentication method, device and system
CN104579649A (en) Identity recognition method and system
CN103501191A (en) Mobile payment device and method thereof based on NFC technology
CN102026180A (en) M2M transmission control method, device and system
JP2016500173A (en) A system and method for secure remote access and payment using a mobile device and a powered display card.
CN104579668A (en) User identity verification method, password protection device and verification system
CN102523092B (en) Audio-based non-contact integrated circuit (IC) card and mobile authentication data transmission device
CN103457922A (en) Electronic authentication client-side system, processing method, electronic authentication system and method
CN102945526A (en) Device and method for improving online payment security of mobile equipment
CN104202299A (en) System and method of identity authentication based on Bluetooth
CN101488111A (en) Identification authentication method and system
CN103259664A (en) Nfc dynamic password chip and working method thereof
CN103699997A (en) Method, device and electronic equipment for locking mobile payment service
CN106027457A (en) Identity card information transmission method and system
CN102711089B (en) Mobile terminal is carried out to method and the device of locking network and card
CN103596175A (en) Mobile intelligent terminal certification system and method based on near field communication technology
CN104867004A (en) Mobile payment system and mobile payment method thereof
CN104540238A (en) Wireless communication method and device and intelligent card
CN201150068Y (en) Multifunctional information safety equipment
CN100585575C (en) System and method for ensuring safety use of storage device
CN203104483U (en) Fingerprint authentication platform and NFC application terminal
CN207869159U (en) Mobile device and subscriber identity module card

Legal Events

Date Code Title Description
C06 Publication
PB01 Publication
C10 Entry into substantive examination
SE01 Entry into force of request for substantive examination
C14 Grant of patent or utility model
GR01 Patent grant
CF01 Termination of patent right due to non-payment of annual fee

Granted publication date: 20140709

Termination date: 20181116

CF01 Termination of patent right due to non-payment of annual fee