CN103077457A - Intelligent RFID (radio frequency identification) payment terminal and method - Google Patents
Intelligent RFID (radio frequency identification) payment terminal and method Download PDFInfo
- Publication number
- CN103077457A CN103077457A CN2012105803125A CN201210580312A CN103077457A CN 103077457 A CN103077457 A CN 103077457A CN 2012105803125 A CN2012105803125 A CN 2012105803125A CN 201210580312 A CN201210580312 A CN 201210580312A CN 103077457 A CN103077457 A CN 103077457A
- Authority
- CN
- China
- Prior art keywords
- mobile terminal
- hand
- rfid
- held mobile
- payment
- 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
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses an intelligent RFID (radio frequency identification) payment terminal and method. The intelligent RFID payment terminal comprises a handheld mobile terminal, an RFID payment terminal machine, an MAS (mobile agent server) platform, a bank server, an internetbank WEB (website), an MAS platform message gateway and a bank message gateway, wherein the handheld mobile terminal is used for providing a purchasing window for a user and is used for storing RFID label information and a payment bank account cipher message encrypted by a bank public key, the RFID payment terminal machine is used for providing a commodity purchasing platform for the handheld mobile terminal, the MAS platform is used for providing a transaction platform and generating an encrypting public key and a decrypting public key for transaction, the bank server is used for executing transaction and payment and feeding the payment result information back, the internetbank WEB is used for providing an interface for the handheld mobile terminal and the bank server to realize transaction and payment, and the handheld mobile terminal and the RFID payment terminal machine comprise a remote communication mode and a near communication mode. The intelligent RFID payment terminal and the method have the advantages that by establishing a convenient and safe RFID application platform, the convenience and the safety of the electronic payment are improved for the user.
Description
Technical field
The present invention relates to the data communication technology field, particularly a kind of intelligent RFID payment terminal and method.
Background technology
RFID(Radio Frequency IDentification) be radio-frequency (RF) identification, claim again electronic tag, radio frequency identification, it is a kind of communication technology, can identify specific objective and read and write related data by radio signals, and need not to set up machinery between recognition system and the specific objective or optics contacts.Wireless version as bar code, the RFID technology has the not available waterproof of bar code, antimagnetic, high temperature resistant, long service life, read that distance is large, data can be encrypted, memory capacity large, the storage information change waits advantage freely, so be widely used in the industries such as retail, logistics.
Along with developing rapidly of mobile communication terminal, the RFID technology is extended to mobile communication terminal gradually.Disclose " a kind of mobile terminal payment system and method based on the RFID technology " in application number is 200910231113.1 Chinese patent, this system comprises the trading server of the portable terminal of supporting the RFID technology, RFID Platform Server, RFID label reader, financial sector.This system mainly realizes wireless payment by following steps: at first, the RFID Platform Server is communicated by letter with portable terminal foundation and user's RFID label information and Bank Account Number is bound; Then, when the RFID label reader reads in the mobile communication terminal behind the label information in the RFID chip, label information is sent to the RFID Platform Server to obtain the with it Bank Account Number of binding, and the password of described Bank Account Number and user input is sent to the trading server of financial sector, application payment transaction; The trading server of last financial sector is carried out payment transaction, and the feedback trading result, thereby makes the user by the electronic payment function of the similar credit card of mobile terminal safety ground realization, expand the application of RFID technology.But the means that this technology utilizes the RFID label reader to read RFID label information in the mobile communication terminal belong to the radio-frequency (RF) identification of limited distance, and this mode of doing business is subjected to space constraint, can't finish operated from a distance whenever and wherever possible, and are not convenient; In addition, this mode of doing business has been taked the conventional means of communication, namely take unified fixed frequency communication, so when concluding the business intensive user areas such as occurring in hotel, Duo Shidian, restaurant, can be forced to interrupt because being subject to other user radio electrical interference, even the potential safety hazard illegally obtained by the people of generation account and password.
Summary of the invention
In order to overcome the deficiencies in the prior art, the invention provides a kind of intelligent RFID payment terminal and method, by setting up convenient, safe RFID application platform, improve convenience and degree of safety that the user pays by mails.
Purpose of the present invention realizes by following technical proposals:
A kind of intelligent RFID payment terminal comprises:
Hand-held mobile terminal, as the originating end of transaction, the commodity purchasing platform that receives the transmission of RFID payment terminal machine is chosen window to provide to the user, and for storage user's RFID label information and by the draw bank account cipher-text information of bank's public key encryption;
RFID payment terminal machine, the receiving end as transaction provides the commodity purchasing platform to hand-held mobile terminal;
The MAS platform provides the platform of hand-held mobile terminal and RFID payment terminal machine wireless transactions, is used for deciphering RFID label information, and generates encrypted public key and the decrypted private key that is used for wireless transactions;
MAS platform Short Message Service Gateway is carried out the MAS platform and is required the short message order that sends and receive the authorization information of sending to the MAS platform;
Bank server is carried out transaction payment and is fed back payment result information;
The bank short message gateway is carried out bank server and is required the short message order that sends and receive the authorization information of sending to bank server;
Bank net WEB provides hand-held mobile terminal and bank server to realize the interface of transaction payment;
Hand-held mobile terminal comprises telecommunication module and short range communication module at least, is respectively applied to hand-held mobile terminal and RFID payment terminal machine is set up telecommunication and short range communication.
One of main innovate point of the present invention is: payment system provided by the invention is provided with RFID payment terminal machine, more traditional RFID label reader, the standby function that the commodity purchasing platform is provided to hand-held mobile terminal of RFID payment terminal facility, the user can choose the direct free choice of goods of window by hand-held mobile terminal, make purchase not be subjected to space and time restriction, improved convenience.
Another main innovate point of the present invention is: the MAS platform of payment system setting provided by the invention can generate encrypted public key and decrypted private key, makes encrypted public key and decrypted private key be used for whole wireless transactions process, improves the degree of safety of transaction.
An again main innovate point of the present invention is: the hand-held mobile terminal in the payment system provided by the invention is provided with telecommunication module and short range communication module, avoid because the communication frequency fixed single potential safety hazard that transaction is illegally obtained by the people because being subject to other user radio electrical interference and being forced to interrupt and produce account and password.
Further, RFID payment terminal machine comprises:
Memory cell, storing commodity is bought platform software and RFID payment terminal identity information;
The RFID processing unit is identified the communication frequency of hand-held mobile terminal automatically, and can automatically select the communication frequency with hand-held mobile terminal;
Display processing unit, the user interface of demonstration RFID payment terminal machine;
CPU (central processing unit), the instruction that processing RF ID processing unit and communication processing unit send;
Communication processing unit is responsible for carrying out short message receiving-transmitting, dial up on the telephone and carrying out communication with the MAS platform with Short Message Service Gateway.
Further, the short range communication module comprises 13.56MHz short range communication module, and making the frequency of hand-held mobile terminal and the communication of RFID payment terminal machine is 13.56MHz; 860MHz-960MHz short range communication module, making the frequency of hand-held mobile terminal and the communication of RFID payment terminal machine is 860MHz-960MHz; And 2.45G short range communication module, making the frequency of hand-held mobile terminal and the communication of RFID payment terminal machine is 2.45G.
Further, bank net WEB comprises the bank safety control module at least, be used for automatically reading the RFID label information of hand-held mobile terminal storage and by the draw bank account cipher-text information of bank's public key encryption, and the RFID label information of described storage is sent to bank server with being encrypted by the draw bank account cipher-text information of bank's public key encryption.
Further, MAS platform Short Message Service Gateway comprises to hand-held mobile terminal and RFID payment terminal machine sending encrypted public key and decrypted private key and to hand-held mobile terminal transmission dynamic verification code when carrying out the MAS platform and require to send the short message order.
Further, when the bank short message gateway is carried out the short message order of bank server requirement transmission, comprise to hand-held mobile terminal sending dynamic verification code and sending sequence information and account transfer successful information to hand-held mobile terminal and RFID payment terminal machine.
In order to improve further the security in the payment process, encrypted public key and decrypted private key are respectively elliptic curve cryptography PKI and elliptic curve decrypted private key.
The present invention also provides a kind of intelligent RFID method of payment, and step is as follows:
(1) hand-held mobile terminal selects the RFID payment terminal machine of needs to set up link, and with the subscriber-coded RFID payment terminal machine that is sent in the user RFID label information;
(2) RFID payment terminal machine is sent to hand-held mobile terminal with the commodity purchasing platform simultaneously according to subscriber-coded generation order number;
(3) the purchase platform of hand-held mobile terminal utilization reception provides article or service to choose function to the user, and submits the order of choosing to RFID payment terminal machine;
(4) the RFID payment terminal machine information that confirms an order, and send the request of confirming remote payment or short range payment to hand-held mobile terminal;
(5) after hand-held mobile terminal was sent to RFID payment terminal machine with the modes of payments of user selection, RFID payment terminal machine was sent to the MAS platform with subscriber-coded encryption;
(6) then MAS platform decrypted user coding and generation transaction encryption PKI and decrypted private key will generate the encrypted public key and the decrypted private key that are used for transaction by MAS platform Short Message Service Gateway and be sent to hand-held mobile terminal and RFID payment terminal machine;
(7) private key received of hand-held mobile terminal utilization, sequence information and the merchant information of the public key encryption that the utilization of deciphering RFID payment terminal machine is received;
(8) hand-held mobile terminal and MAS platform carry out authentication, and carry out consistency checking to issuing the MAS platform through the dynamic verification code of public key encryption and the dynamic verification code through public key encryption of hand-held mobile terminal feedback through RFID payment terminal machine;
(9) be proved to be successful after, RFID payment terminal machine sends the agreement pay warrant of adopting public key encryption to hand-held mobile terminal, hand-held mobile terminal starts the bank net WEB with subscriber-coded binding after adopting the private key deciphering;
(10) bank net WEB is sent to bank server with the payment information employing public key encryption that the user submits to by hand-held mobile terminal, bank server is carried out payment function after adopting the private key deciphering, and order bank short message gateway is to RFID payment terminal machine and hand-held mobile terminal feedback payment result information.
The concrete steps of above-mentioned steps (8) comprising: at first, hand-held mobile terminal sends to the MAS platform to the LBS information of subscriber-coded, user fingerprints, hand-held mobile terminal and the sequence information that receives from RFID payment terminal machine, merchant information after adopting elliptic curve public key cryptographic; Secondly, the MAS platform adopts whether authentication of users is the registered user after the deciphering of elliptic curve private key, when the user be the registered user, the MAS platform will be subscriber-coded with sequence information employing elliptic curve public key cryptographic after be sent to RFID payment terminal machine; Receive the ciphertext of subscriber-coded and sequence information when RFID payment terminal machine after, adopt the deciphering of elliptic curve private key also to generate dynamic verification code, and send to the MAS platform after dynamic verification code adopted oval public key encryption; Then, the encryption dynamic verification code that the MAS platform adopts the deciphering of elliptic curve private key to receive, and notice MAS platform Short Message Service Gateway sends dynamic verification code to hand-held mobile terminal; Again a step, the user utilizes elliptic curve public key cryptographic to be submitted to RFID payment terminal machine the dynamic verification code of receiving by hand-held mobile terminal; At last, after RFID payment terminal machine adopts the deciphering of elliptic curve private key to the ciphertext received, and be sent to MAS platform dynamic verification code and carry out consistency checking.
The concrete steps of above-mentioned steps (10) comprising: at first, and the RFID label information that the bank safety control module among the bank net WEB provides the hand-held mobile terminal that automatically reads and by draw bank account cipher-text information, merchant information and the payment of bank's public key encryption and adopt elliptic curve public key cryptographic to be sent to bank server; Secondly, after bank server adopted the deciphering of elliptic curve private key, notifying bank's Short Message Service Gateway sent the transaction dynamic verification code to user's hand-held mobile terminal; Then, the user utilizes the hand-held mobile terminal dynamic verification code of will concluding the business manually to input to the payment interface that bank net web provides; Then, the bank safety control module among the bank net WEB is sent to bank server after the transaction dynamic verification code is adopted elliptic curve public key cryptographic; At last, bank server is carried out payment function after adopting oval private key deciphering, and order bank short message gateway is to RFID payment terminal machine and hand-held mobile terminal feedback payment result information.
Concrete, in view of user mobile phone number, RFID coding, portable terminal IMEI number uniqueness separately, subscriber-coded in described step (1) can be wherein any.
Concrete, in described step (8), hand-held mobile terminal and MAS platform carry out the information that authentication need to verify and comprise at least user fingerprints, hand-held mobile terminal IMEI number and hand-held mobile terminal LBS information.
Compared with prior art, the present invention has the following advantages and beneficial effect:
1, RFID payment terminal facility of the present invention are for the function that the commodity purchasing platform is provided to hand-held mobile terminal, and the user chooses the direct free choice of goods of window by hand-held mobile terminal, buy and are not subjected to space and time restriction, improved convenience.
2, MAS platform of the present invention can generate encrypted public key and decrypted private key, makes encrypted public key and decrypted private key be used for whole wireless transactions process, improves the degree of safety of transaction.
3, hand-held mobile terminal of the present invention is provided with telecommunication module and short range communication module, avoid because the communication frequency fixed single potential safety hazard that transaction is illegally obtained by the people because being subject to other user radio electrical interference and being forced to interrupt and produce account and password.
4, the short range communication module comprises 13.56MHz short range communication module, 860MHz-960MHz short range communication module and 2.45G short range communication module, further improved the selectable range of communication frequency, avoiding concluding the business is forced to interrupt and produces the potential safety hazard that account and password are illegally obtained by the people because being subject to other user radio electrical interference.
5, in process of exchange, the dynamic verification code that MAS platform Short Message Service Gateway sends to user's hand-held mobile terminal, dynamic verification code, sequence information, account transfer successful information that the bank short message gateway sends, elliptic curve cryptography PKI and elliptic curve decrypted private key that transaction uses, the setting of bank safety control module has further increased the payment safety degree.
6, bank net WEB provides the interface that hand-held mobile terminal and bank server are realized transaction payment, makes the user read more intuitively payment information, has improved the efficient of payment.
7, hand-held mobile terminal and MAS platform carry out authentication needs authentication of users fingerprint, hand-held mobile terminal IMEI number and hand-held mobile terminal LBS information, avoids cloning the use of card, has improved security.
Description of drawings
Fig. 1 is the whole structural representation that forms of intelligent RFID payment terminal of the present invention;
Fig. 2 is hand-held mobile terminal member compositional block diagram of the present invention.
Fig. 3 is RFID payment terminal machine structural representation of the present invention.
Embodiment
Understand for the ease of those skilled in the art, below in conjunction with specific embodiment technical scheme of the present invention be described in detail:
As shown in Figure 1 and Figure 2, a kind of intelligent RFID payment terminal, comprise: hand-held mobile terminal, originating end as transaction, the commodity purchasing platform that receives the transmission of RFID payment terminal machine is chosen window to provide to the user, and for storage user's RFID label information and by the draw bank account cipher-text information of bank's public key encryption; RFID payment terminal machine, the receiving end as transaction provides the commodity purchasing platform to hand-held mobile terminal; The MAS platform provides the platform of hand-held mobile terminal and RFID payment terminal machine wireless transactions, is used for deciphering RFID label information, and generates encrypted public key and the decrypted private key that is used for wireless transactions; MAS platform Short Message Service Gateway is carried out the MAS platform and is required the short message order that sends and receive the authorization information of sending to the MAS platform; Bank server is carried out transaction payment and is fed back payment result information; The bank short message gateway is carried out bank server and is required the short message order that sends and receive the authorization information of sending to bank server; Bank net WEB provides hand-held mobile terminal and bank server to realize the interface of transaction payment; Wherein, hand-held mobile terminal comprises telecommunication module and short range communication module at least, is respectively applied to hand-held mobile terminal and RFID payment terminal machine is set up telecommunication and short range communication.
As shown in Figure 3, RFID payment terminal machine comprises:
Memory cell, storing commodity is bought platform software and RFID payment terminal identity information;
The RFID processing unit is identified the communication frequency of hand-held mobile terminal automatically, and can automatically select the communication frequency with hand-held mobile terminal;
Display processing unit, the user interface of demonstration RFID payment terminal machine;
CPU (central processing unit), the instruction that processing RF ID processing unit and communication processing unit send;
Communication processing unit is responsible for carrying out short message receiving-transmitting, dial up on the telephone and carrying out communication with the MAS platform with Short Message Service Gateway.
Below in conjunction with specific embodiment, telecommunication of the present invention and two kinds of communication modes of short range communication are described respectively.
Embodiment 1
A kind of intelligent RFID method of payment when carrying out telecommunication, mainly comprises the steps:
(1) hand-held mobile terminal selects the RFID payment terminal machine of needs to set up link, and with the subscriber-coded RFID payment terminal machine that is sent in the user RFID label information.
After the user utilizes login username and login password to log in the shopping software of hand-held mobile terminal, the RFID payment terminal chain that selection needs connects the interface and links, after linking successfully, the shopping software of hand-held mobile terminal is automatically the subscriber-coded RFID payment terminal machine that is sent in the RFID label information.Wherein, in view of user mobile phone number, RFID coding, hand-held mobile terminal IMEI number uniqueness separately, subscriber-codedly can be wherein any.
(2) RFID payment terminal machine is sent to hand-held mobile terminal with the commodity purchasing platform simultaneously according to subscriber-coded generation order number.
Wherein order number was comprised of subscriber-coded and the RFID payment terminal machine time when subscriber-coded of receiving.
(3) the purchase platform of hand-held mobile terminal utilization reception provides article or service to choose function to the user, and submits the order of choosing to RFID payment terminal machine.
The user searches according to the classification of own required purchase article or service, and the commodity of choosing is added in the electronics car when choosing.The user finish choose after, utilize hand-held mobile terminal to submit order to.
(4) the RFID payment terminal machine information that confirms an order, and send the request of confirming remote payment or short range payment to hand-held mobile terminal.
RFID payment terminal machine is when confirming sequence information, sequence information and the order requirements rule received can be compared, if the sequence information of submitting to satisfies the order requirements rule, RFID payment terminal machine sends the request of confirming remote payment or short range payment to hand-held mobile terminal; If the sequence information of submitting to does not satisfy the order requirements rule, RFID payment terminal machine then can be sent to hand-held mobile terminal with incongruent commodity itemized bill and suggestion for revision to be confirmed, requires rule until the sequence information that the user provides meets order.
(5) after the telecommunication module of user by hand-held mobile terminal selected the remote payment mode, hand-held mobile terminal can be sent to the information of user selection RFID payment terminal machine, and RFID payment terminal machine is sent to the MAS platform after with subscriber-coded encryption.
(6) then elliptic curve cryptography PKI and the elliptic curve decrypted private key of MAS platform decrypted user coding and generation transaction are sent to hand-held mobile terminal and RFID payment terminal machine by MAS platform Short Message Service Gateway with elliptic curve cryptography PKI and the elliptic curve decrypted private key that generates.
(7) the elliptic curve decrypted private key received of hand-held mobile terminal utilization, sequence information and the merchant information of the elliptic curve cryptography public key encryption that the utilization of deciphering RFID payment terminal machine is received.
At first, RFID payment terminal machine adopts curve public key that merchant information and sequence information are encrypted, and ciphertext is sent to hand-held mobile terminal; Then, the elliptic curve decrypted private key received of hand-held mobile terminal utilization is decrypted to obtain sequence information and merchant information to ciphertext.
(8) hand-held mobile terminal and MAS platform carry out authentication, and utilize RFID payment terminal machine to carry out consistency checking to issuing the MAS platform through the dynamic verification code of public key encryption and the dynamic verification code through public key encryption of hand-held mobile terminal feedback.
At first, hand-held mobile terminal sends to the MAS platform to the LBS information of subscriber-coded, user fingerprints, hand-held mobile terminal and the sequence information of obtaining from RFID payment terminal machine, merchant information after adopting elliptic curve public key cryptographic; Secondly, after the MAS platform adopted the deciphering of elliptic curve private key, whether authentication of users was the registered user, when the user be the registered user, the MAS platform will be subscriber-coded with sequence information employing elliptic curve public key cryptographic after be sent to RFID payment terminal machine; Receive the ciphertext of subscriber-coded and sequence information when RFID payment terminal machine after, adopt the deciphering of elliptic curve private key also to generate dynamic verification code, send to the MAS platform after adopting oval public key encryption; Then, the encryption dynamic verification code that the MAS platform adopts the deciphering of elliptic curve private key to receive, and notice MAS platform Short Message Service Gateway sends dynamic verification code to user's hand-held mobile terminal; Again a step, the user utilizes elliptic curve public key cryptographic to be submitted to RFID payment terminal machine the dynamic verification code of receiving by hand-held mobile terminal; At last, after RFID payment terminal machine adopts the deciphering of elliptic curve private key to the ciphertext received, and be sent to MAS platform dynamic verification code and carry out consistency checking.
(9) be proved to be successful after, RFID payment terminal machine sends the agreement pay warrant of adopting elliptic curve public key cryptographic to hand-held mobile terminal, hand-held mobile terminal starts the bank net WEB with subscriber-coded binding after adopting the deciphering of elliptic curve private key.
After bank net WEB starts, the web interface of the draw bank of user preset appears in hand-held mobile terminal, wherein the sequence information in the hand-held mobile terminal (order number and payment), merchant information (name of firm, trade company's account number ciphertext or bank of trade company coding ciphertext) automatic filling is to the web interface of draw bank, and the confession user intuitively checks with read-only mode.
(10) bank net WEB is sent to bank server with the payment information employing curve public key encryption that the user submits to by hand-held mobile terminal, bank server is carried out payment function after adopting oval private key deciphering, and order bank short message gateway is to RFID payment terminal machine and hand-held mobile terminal feedback payment result information.
At first, the bank safety control module among the bank net WEB is to the RFID label information that automatically reads hand-held mobile terminal and provide and by draw bank account cipher-text information, merchant information, the payment of bank's public key encryption and adopt elliptic curve public key cryptographic to be sent to bank server; Secondly, after bank server adopted the deciphering of elliptic curve private key, notifying bank's Short Message Service Gateway sent the transaction dynamic verification code to user's hand-held mobile terminal; Then, the user utilizes the hand-held mobile terminal dynamic verification code of will concluding the business manually to input to the payment interface that bank net web provides; Then, the bank safety control module among the bank net WEB is sent to bank server after the transaction dynamic verification code is adopted elliptic curve public key cryptographic; At last, bank server is carried out payment function after adopting oval private key deciphering, and order bank short message gateway is to RFID payment terminal machine and hand-held mobile terminal feedback payment result information.
Embodiment 2
A kind of intelligent RFID method of payment when carrying out the short range communication, mainly comprises the steps:
Finish with embodiment 1 medium-long range communication modes in first three same steps as after, the RFID payment terminal machine information that confirms an order equally, and send the request of confirming remote payment or short range payment to hand-held mobile terminal.
After the user selects the short range modes of payments by the short range communication module of hand-held mobile terminal, the 13.56MHz short range communication module that the short range communication module comprises, 860MHz-960MHz short range communication module and 2.45G short range communication module can provide the short range modes of payments of three communication frequencies, make the frequency of hand-held mobile terminal and the communication of RFID payment terminal machine be respectively 13.56MHz, 860MHz-960MHz and 2.45G.Wherein, 13.56MHz short range communication module is applicable to short distance communication, and 860MHz-960MHz short range communication module and 2.45G short range communication module are applicable to the middle distance communication.
When the user according to actual needs, after selecting one of them short range modes of payments by hand-held mobile terminal, this short range communication module and RFID payment terminal machine are set up the point-to-point communication, and RFID payment terminal machine is sent to the MAS platform and finishes payment according to the subsequent step identical with five steps after the telecommunication mode shown in the embodiment 1 after with subscriber-coded encryption.
Certainly, foregoing is preferred embodiment of the present invention only, is not that those skilled in the art are according to design of the present invention for restriction embodiment of the present invention, and the appropriate adaptation of having done or modification all should be within protection scope of the present invention.
Claims (10)
1. intelligent RFID payment terminal comprises:
Hand-held mobile terminal, as the originating end of transaction, the commodity purchasing platform that receives the transmission of RFID payment terminal machine is chosen window to provide to the user, and for storage user's RFID label information and by the draw bank account cipher-text information of bank's public key encryption;
RFID payment terminal machine, the receiving end as transaction provides the commodity purchasing platform to hand-held mobile terminal;
The MAS platform provides the platform of hand-held mobile terminal and RFID payment terminal machine wireless transactions, is used for deciphering RFID label information, and generates encrypted public key and the decrypted private key that is used for wireless transactions;
MAS platform Short Message Service Gateway is carried out the MAS platform and is required the short message order that sends and receive the authorization information of sending to the MAS platform;
Bank server is carried out transaction payment and is fed back payment result information;
The bank short message gateway is carried out bank server and is required the short message order that sends and receive the authorization information of sending to bank server;
Bank net WEB provides hand-held mobile terminal and bank server to realize the interface of transaction payment;
Described hand-held mobile terminal comprises telecommunication module and short range communication module, is respectively applied to hand-held mobile terminal and RFID payment terminal machine is set up telecommunication and short range communication.
2. intelligent RFID payment terminal according to claim 1, it is characterized in that: described RFID payment terminal machine comprises:
Memory cell, storing commodity is bought platform software and RFID payment terminal identity information;
The RFID processing unit is identified the communication frequency of hand-held mobile terminal automatically, and can automatically select the communication frequency with hand-held mobile terminal;
Display processing unit, the user interface of demonstration RFID payment terminal machine;
CPU (central processing unit), the instruction that processing RF ID processing unit and communication processing unit send;
Communication processing unit is responsible for carrying out short message receiving-transmitting, dial up on the telephone and carrying out communication with the MAS platform with Short Message Service Gateway.
3. each described intelligent RFID payment terminal according to claim 1 and 2, it is characterized in that: described short range communication module comprises 13.56MHz short range communication module, making the frequency of hand-held mobile terminal and the communication of RFID payment terminal machine is 13.56MHz; 860MHz-960MHz short range communication module, making the frequency of hand-held mobile terminal and the communication of RFID payment terminal machine is 860MHz-960MHz; And 2.45G short range communication module, making the frequency of hand-held mobile terminal and the communication of RFID payment terminal machine is 2.45G.
4. each described intelligent RFID payment terminal according to claim 1 and 2, it is characterized in that: described bank net WEB comprises the bank safety control module at least, be used for automatically reading the RFID label information of hand-held mobile terminal storage and by the draw bank account cipher-text information of bank's public key encryption, and the RFID label information of described storage is sent to bank server with being encrypted by the draw bank account cipher-text information of bank's public key encryption.
5. each described intelligent RFID payment terminal according to claim 1 and 2, it is characterized in that: described MAS platform Short Message Service Gateway comprises the encrypted public key that sends to hand-held mobile terminal and RFID payment terminal machine and decrypted private key and to the dynamic verification code of hand-held mobile terminal transmission when carrying out the short message order that the MAS platform requires to send.
6. each described intelligent RFID payment terminal according to claim 1 and 2, it is characterized in that: when described bank short message gateway execution bank server requires the short message order of transmission, comprise to the dynamic verification code of hand-held mobile terminal transmission and to the sequence information of hand-held mobile terminal and the transmission of RFID payment terminal machine and the successful information of transferring accounts.
7. intelligent RFID payment terminal according to claim 6, it is characterized in that: described encrypted public key and decrypted private key are respectively elliptic curve cryptography PKI and elliptic curve decrypted private key.
8. intelligent RFID method of payment may further comprise the steps:
(1) hand-held mobile terminal selects the RFID payment terminal machine of needs to set up link, and with the subscriber-coded RFID payment terminal machine that is sent in the user RFID label information;
(2) RFID payment terminal machine is sent to hand-held mobile terminal with the commodity purchasing platform simultaneously according to subscriber-coded generation order number;
(3) the purchase platform of hand-held mobile terminal utilization reception provides article or service to choose function to the user, and submits the order of choosing to RFID payment terminal machine;
(4) the RFID payment terminal machine information that confirms an order, and send the request of confirming remote payment or short range payment to hand-held mobile terminal;
(5) after hand-held mobile terminal was sent to RFID payment terminal machine with the modes of payments of user selection, RFID payment terminal machine was sent to the MAS platform with subscriber-coded encryption;
(6) then MAS platform decrypted user coding and generation transaction encryption PKI and decrypted private key will generate the encrypted public key and the decrypted private key that are used for transaction by MAS platform Short Message Service Gateway and be sent to hand-held mobile terminal and RFID payment terminal machine;
(7) private key received of hand-held mobile terminal utilization, sequence information and the merchant information of the public key encryption that the utilization of deciphering RFI D payment terminal machine is received;
(8) hand-held mobile terminal and MAS platform carry out authentication, and utilize RFID payment terminal machine to carry out consistency checking to issuing the MAS platform through the dynamic verification code of public key encryption and the dynamic verification code through public key encryption of hand-held mobile terminal feedback;
(9) be proved to be successful after, RFID payment terminal machine sends the agreement pay warrant of adopting public key encryption to hand-held mobile terminal, hand-held mobile terminal starts the bank net WEB with subscriber-coded binding after adopting the private key deciphering;
(10) bank net WEB is sent to bank server with the payment information employing public key encryption that the user submits to by hand-held mobile terminal, bank server is carried out payment function after adopting the private key deciphering, and order bank short message gateway is to RFID payment terminal machine and hand-held mobile terminal feedback payment result information.
9. a kind of intelligent RFID method of payment according to claim 8 is characterized in that: in described step (1), the user is encoded to a kind of in user mobile phone number, RFID coding, the portable terminal IMEI number.
10. a kind of intelligent RFID method of payment according to claim 9, it is characterized in that: in described step (8), hand-held mobile terminal and MAS platform carry out the information that authentication need to verify and comprise at least user fingerprints, hand-held mobile terminal IMEI number, hand-held mobile terminal LBS information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210580312.5A CN103077457B (en) | 2012-12-27 | 2012-12-27 | A kind of intelligent RFID payment terminal and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210580312.5A CN103077457B (en) | 2012-12-27 | 2012-12-27 | A kind of intelligent RFID payment terminal and method |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN103077457A true CN103077457A (en) | 2013-05-01 |
| CN103077457B CN103077457B (en) | 2016-02-24 |
Family
ID=48153978
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201210580312.5A Expired - Fee Related CN103077457B (en) | 2012-12-27 | 2012-12-27 | A kind of intelligent RFID payment terminal and method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN103077457B (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103325167A (en) * | 2013-07-05 | 2013-09-25 | 珠海天威技术开发有限公司 | Door lock control system and control method thereof |
| CN103530804A (en) * | 2013-10-11 | 2014-01-22 | 捷德（中国）信息科技有限公司 | Self-service shopping method, user terminal, merchant background and system |
| CN107360534A (en) * | 2016-05-10 | 2017-11-17 | 上海连尚网络科技有限公司 | A kind of method and apparatus for being used to establish wireless connection |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101482950A (en) * | 2009-02-12 | 2009-07-15 | 宇龙计算机通信科技(深圳)有限公司 | Network payment method, terminal and system |
| CN101727630A (en) * | 2009-12-01 | 2010-06-09 | 青岛海信移动通信技术股份有限公司 | Mobile terminal payment system and method based on RFID technology |
| CN102073958A (en) * | 2009-11-25 | 2011-05-25 | 天津中兴软件有限责任公司 | System and method for implementing mobile payment |
| CN102546571A (en) * | 2010-12-31 | 2012-07-04 | 国民技术股份有限公司 | Identity authentication system and method |
| CN102779303A (en) * | 2012-08-07 | 2012-11-14 | 上海方付通商务服务有限公司 | Wireless payment system and method on basis of mobile phone |
-
2012
- 2012-12-27 CN CN201210580312.5A patent/CN103077457B/en not_active Expired - Fee Related
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101482950A (en) * | 2009-02-12 | 2009-07-15 | 宇龙计算机通信科技(深圳)有限公司 | Network payment method, terminal and system |
| CN102073958A (en) * | 2009-11-25 | 2011-05-25 | 天津中兴软件有限责任公司 | System and method for implementing mobile payment |
| CN101727630A (en) * | 2009-12-01 | 2010-06-09 | 青岛海信移动通信技术股份有限公司 | Mobile terminal payment system and method based on RFID technology |
| CN102546571A (en) * | 2010-12-31 | 2012-07-04 | 国民技术股份有限公司 | Identity authentication system and method |
| CN102779303A (en) * | 2012-08-07 | 2012-11-14 | 上海方付通商务服务有限公司 | Wireless payment system and method on basis of mobile phone |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103325167A (en) * | 2013-07-05 | 2013-09-25 | 珠海天威技术开发有限公司 | Door lock control system and control method thereof |
| CN103325167B (en) * | 2013-07-05 | 2016-03-16 | 珠海天威技术开发有限公司 | Door lock control system and control method thereof |
| CN103530804A (en) * | 2013-10-11 | 2014-01-22 | 捷德（中国）信息科技有限公司 | Self-service shopping method, user terminal, merchant background and system |
| CN107360534A (en) * | 2016-05-10 | 2017-11-17 | 上海连尚网络科技有限公司 | A kind of method and apparatus for being used to establish wireless connection |
Also Published As
| Publication number | Publication date |
|---|---|
| CN103077457B (en) | 2016-02-24 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN102737308B (en) | The method and system of a kind of mobile terminal and inquiry smart card information thereof | |
| US20090023474A1 (en) | Token-based dynamic authorization management of rfid systems | |
| CN102521744A (en) | Network payment method and apparatus thereof | |
| CN104504565A (en) | Mobile payment system and method based on bank virtual card number | |
| CN104424565A (en) | Digital card-based payment system and method | |
| CN101324942A (en) | Payment system and method performing trade by identification card including IC card | |
| CN101276448A (en) | Payment system and method performing trading with identification card including IC card | |
| CN101482950A (en) | Network payment method, terminal and system | |
| CN101261708A (en) | Online payment method and system based on the mobile terminal supporting eNFC function | |
| CN202771476U (en) | Security certification system | |
| CN101794420A (en) | Payment authentication method, terminal and system | |
| CN104240073A (en) | Offline payment method and offline payment system on basis of prepaid cards | |
| CN104240074A (en) | Prepaid card online payment system based on identity authentication and payment method of prepaid card online payment system | |
| AU2021215207B2 (en) | Mid-range reader interactions | |
| CN104537529A (en) | Field off-line payment transaction system and method based on portable terminal universal interface | |
| Ali et al. | Secure mobile communication in m-payment system using NFC technology | |
| CN101261709B (en) | Online payment method and system using the mobile terminal supporting eNFC function | |
| CN103077457B (en) | A kind of intelligent RFID payment terminal and method | |
| CN105608568A (en) | Device integrating functions of finance card payment and settlement and finance card payment and settlement method | |
| CN103714624B (en) | Electronic purse recharging method, system and supplement operation terminal with money | |
| CN102136057A (en) | 2.4G/13.56M safety radio frequency card reader and authentication method thereof | |
| CN102737309B (en) | A kind of card method of commerce and system | |
| KR20030012149A (en) | System for settling bill electrically using a potable terminal enable short distance wireless communication and method thereof | |
| CN202887319U (en) | Portable bank card data processing device and system | |
| CN105205658A (en) | Electronic card applying method and electronic card applying device |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C41 | Transfer of patent application or patent right or utility model | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20160105 Address after: 516006 Guangdong province Huizhou City Zhongkai high tech Zone Chen Jiang Street No. five Zhongkai No. 87-6 Applicant after: HUIZHOU DESAY INDUSTRY RESEARCH INSTITUTE CO., LTD. Address before: 516229 Guangdong city of Huizhou province Chen town DESAY third industrial zone Applicant before: Desai Electronic (Huizhou) Ltd. |
|
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CF01 | Termination of patent right due to non-payment of annual fee | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20160224 Termination date: 20191227 |