CN103093353A - Account security protection method and device based on radio frequency identification (RFID)-subscriber identity module (SIM) card - Google Patents
Account security protection method and device based on radio frequency identification (RFID)-subscriber identity module (SIM) card Download PDFInfo
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- CN103093353A CN103093353A CN 201110338293 CN201110338293A CN103093353A CN 103093353 A CN103093353 A CN 103093353A CN 201110338293 CN201110338293 CN 201110338293 CN 201110338293 A CN201110338293 A CN 201110338293A CN 103093353 A CN103093353 A CN 103093353A
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Abstract
The invention discloses an account security protection method and a device based on a radio frequency identification (RFID)-subscriber identity module (SIM) card, the account security protection method comprises: accepting an identity authentication request of the RFID-SIM card; matching the card recognition information of the RFID-SIM card based on the identity authentication request; judging whether or not historical credit card records of the RFID-SIM card exists at locality; If yes, then judging whether or not the historical credit card records of the RFID-SIM card surpass a first preset threshold value at locality; if yes, then conducting a simplifying security recognition procedure for the RFID-SIM card before paying. Through the aforesaid method, the account security protection method and the device based on the RFID-SIM card have the advantages of being capable of simplifying the security recognition procedure at the basis of achieving mobile paying transaction security at best, shortening transaction time of mobile paying, and improving transaction efficiency of mobile paying.
Description
Technical field
The present invention relates to electronic applications, particularly relate to a kind of account number safety guard method and device based on the RFID-SIM card.
Background technology
Along with the continuous progress of universal, the mobile communication technology of mobile terminal, the continuous expansion of mobile payment service, people can only realize all kinds of mobile payment activities such as traffic ticketing service, shopping, access control and attendance, food and drink consumption by a mobile terminal.
Mobile payment also referred to as mobile-phone payment, allows the user to use its mobile terminal (normally mobile phone, can also be PDA etc.) to carry out to commodity or the service of consuming a kind of method of service that account is paid exactly.At present main mobile payment technology mainly is divided in the world: NFC, eNFC, SIM-PASS, RFID-SIM and RFID-SD etc.
Although existing RFID-SIM technology is carried out mobile payment and facilitated finance activities, its safe authentication procedure is complicated, the length consuming time that causes concluding the business, thus reduce the enthusiasm that the consumer carries out mobile payment.If adopt the safe authentication procedure of simplifying to make again the security of mobile payment transaction reduce.
To sum up, how simplifying safe authentication procedure on the basis of as far as possible satisfying the mobile payment transaction security is a problem demanding prompt solution.
Summary of the invention
The technical matters that the present invention mainly solves is to provide a kind of account number safety guard method and device based on the RFID-SIM card, can simplify safe authentication procedure on the basis of as far as possible realizing the mobile payment transaction security.
For solving the problems of the technologies described above, the technical scheme that the present invention adopts is: a kind of account number safety guard method based on the RFID-SIM card is provided, comprises:
Accept the ID authentication request of RFID-SIM card;
Card identifying information according to the described RFID-SIM card of described ID authentication request coupling;
The history that whether has described RFID-SIM card local according to the judgement of the described card identifying information record of swiping the card;
If whether the history of the described RFID-SIM card of the local storage of judgement swipes the card record over the first predetermined threshold;
If before payment, described RFID-SIM card is carried out and is simplified the safety certification step.
Wherein, after the history that whether has described RFID-SIM card local according to the judgement of described card identifying information is swiped the card the step of record, also comprise: if not, activated described RFID-SIM card before payment, and described RFID-SIM card is carried out the maltilevel security authenticating step.
Wherein, whether swipe the card record over after the step of the first predetermined threshold in the history of the local described RFID-SIM card of storing of judgement, also comprise: if not, before payment, described RFID-SIM card is carried out the maltilevel security authenticating step.
Wherein, whether swipe the card record over after the step of the first predetermined threshold in the history of the local described RFID-SIM card of storing of judgement, also comprise: whether the payment of judging the RFID-SIM card surpasses the second predetermined threshold; If before payment, described RFID-SIM card is carried out the maltilevel security authenticating step.
Wherein, whether swipe the card record over after the step of the first predetermined threshold in the history of the local described RFID-SIM card of storing of judgement, also comprise: whether the payment of judging described RFID-SIM card surpasses the second predetermined threshold; If not, continued described RFID-SIM card is carried out simplification safety certification step before payment.
For solving the problems of the technologies described above, another technical solution used in the present invention is: a kind of account number safety protective device based on the RFID-SIM card is provided, comprises:
Receiver module: the ID authentication request of accepting the RFID-SIM card;
Identification module: according to the card identifying information of the described RFID-SIM card of described ID authentication request coupling;
The first judge module: the history that whether has described RFID-SIM card local according to the judgement of the described card identifying information record of swiping the card;
The second judge module: be used for swiping the card when recording when the local history that has a described RFID-SIM card, whether the history of the described RFID-SIM card of the local storage of judgement swipes the card record over the first predetermined threshold;
Security authentication module: being used for swipes the card to record when the history of the local described RFID-SIM card of storing surpasses the first predetermined threshold, before payment, described RFID-SIM card is carried out simplification safety certification step.
Wherein, described security authentication module also is used for swiping the card when recording when the local history that does not have a described RFID-SIM card, activates described RFID-SIM card before payment, and described RFID-SIM card is carried out maltilevel security authenticates.
Wherein, when described security authentication module also surpasses the first predetermined threshold for the record of swiping the card when the history of the local described RFID-SIM card of storing, to the authentication of described RFID-SIM card execution maltilevel security.
Wherein, described device also comprises the 3rd judge module: be used for judging whether the payment of described RFID-SIM card surpasses the second predetermined threshold; Described security authentication module also is used for before payment, described RFID-SIM card being carried out the maltilevel security authenticating step when the payment of described RFID-SIM card surpasses the second predetermined threshold.
Wherein, described device also comprises the 3rd judge module: be used for judging whether the payment of described RFID-SIM card surpasses the second predetermined threshold; Described security authentication module also is used for when the payment of described RFID-SIM card does not surpass the second predetermined threshold, before payment, described RFID-SIM card is carried out and is simplified the safety certification step.
The invention has the beneficial effects as follows: the situation that is different from prior art, the history that the present invention is stuck in this RFID-SIM card of card-reading apparatus this locality by the RFID-SIM record of swiping the card judges whether to carry out safety certification, facilitate the consumer to use satisfying the next simplification safety certification of certain condition, the even historical record of swiping the card surpasses the first predetermined threshold and thinks that this card is through this consumption of being everlasting, be in the user who is trusted, simplified the safety certification to this RFID-SIM card user before payment.By such mode, can simplify safe authentication procedure on the basis of as far as possible realizing the mobile payment transaction security, shorten the exchange hour of mobile payment, improve the trading efficiency of mobile payment.
Description of drawings
Fig. 1 is the process flow diagram of account number safety guard method the first embodiment based on the RFID-SIM card of the present invention;
Fig. 2 is the process flow diagram of account number safety guard method the second embodiment based on the RFID-SIM card of the present invention;
Fig. 3 is the structural representation that the present invention is based on account number safety protective device first embodiment of RFID-SIM card;
Fig. 4 is the structural representation that the present invention is based on account number safety protective device second embodiment of RFID-SIM card.
Embodiment
The present invention is described in detail below in conjunction with drawings and Examples.
The present invention is based on promising, and easily the RFID-SIM technology of industrialization is carried out mobile payment.The RFID-SIM technological core is a double-interface smart card RFID-SIM card, and this card had both had the same functionality mobile communication of common SIM card, can carry out wireless near field communication with card reader again.Need not change mobile phone, only need change SIM card and can realize mobile payment.
See also Fig. 1, Fig. 1 is the process flow diagram of account number safety guard method the first embodiment based on the RFID-SIM card of the present invention, and the method comprises the following steps:
Step 101: the ID authentication request of accepting the RFID-SIM card;
Step 102: according to the card identifying information of the described RFID-SIM card of described ID authentication request coupling;
Step 103: the history that whether has described RFID-SIM card local according to the judgement of the described card identifying information record of swiping the card;
Step 104: if not, activated described RFID-SIM card before payment, and described RFID-SIM card is carried out the maltilevel security authenticating step;
Step 105: if whether the history of the described RFID-SIM card of the local storage of judgement swipes the card record over the first predetermined threshold;
Step 106: if before payment, described RFID-SIM card is carried out and simplified the safety certification step;
Step 107: if not, before payment, described RFID-SIM card is carried out the maltilevel security authenticating step.
More than can understand, compared to prior art, the history that the present invention is stuck in this RFID-SIM card of card-reading apparatus this locality by the RFID-SIM record of swiping the card judges whether to carry out safety certification, facilitate the consumer to use satisfying the next simplification safety certification of certain condition, the even historical record of swiping the card surpasses the first predetermined threshold and thinks that this card is through this consumption of being everlasting, be in the user who is trusted, simplified the safety certification to this RFID-SIM card user before payment.By such mode, can simplify safe authentication procedure on the basis of as far as possible realizing the mobile payment transaction security, shorten the exchange hour of mobile payment, improve the trading efficiency of mobile payment.
In this embodiment, information by identification RFID-SIM card, the history of looking for this RFID-SIM card that is stored in card-reading apparatus this locality according to the identifying information record of swiping the card, the card-reading apparatus this locality not history of this RFID-SIM card record of swiping the card needs to activate this RFID-SIM card, think that this user is for using mobile payment service at this first, need to carry out the maltilevel security authenticating step to this user, can improve like this level of security of safety certification.
Wherein, the first predetermined threshold is that history is swiped the card and recorded quantitative value, surpasses this quantity and thinks that the user who uses this RFID-SIM card is trusted user.
See also Fig. 2, Fig. 2 is the process flow diagram of account number safety guard method the 3rd embodiment based on the RFID-SIM card of the present invention, and the method comprises the following steps:
Step 201: the ID authentication request of accepting the RFID-SIM card;
Step 202: according to the card identifying information of the described RFID-SIM card of described ID authentication request coupling;
Step 203: the history that whether has described RFID-SIM card local according to the judgement of the described card identifying information record of swiping the card;
Step 204: if not, activated described RFID-SIM card before payment, and described RFID-SIM card is carried out the maltilevel security authenticating step;
Step 205: if whether the history of the described RFID-SIM card of the local storage of judgement swipes the card record over the first predetermined threshold;
Step 206: if not, before payment, described RFID-SIM card is carried out the maltilevel security authenticating step; If judge further whether the payment of RFID-SIM card surpasses the second predetermined threshold;
Step 207: if before payment, described RFID-SIM card is carried out the maltilevel security authenticating step;
Step 208: if not, continued described RFID-SIM card is carried out before payment and simplify the safety certification step.
in this embodiment, information by identification RFID-SIM card, the history of looking for this RFID-SIM card that is stored in card-reading apparatus this locality according to the identifying information record of swiping the card, record surpasses the first predetermined threshold if the history of this RFID-SIM card of this locality of card-reading apparatus is swiped the card, think that this card is through this consumption of being everlasting, be in the user who is trusted, and the user who is trusted is further judged, the second predetermined threshold is set judges whether the amount of money of the user's who is trusted mobile payment surpasses the higher limit of allowing, still need to carry out the maltilevel security authentication if surpass higher limit, come further to realize the security of the mobile payment amount of money by multiple judgement as far as possible.
Wherein, the first predetermined threshold is that history is swiped the card and recorded quantitative value, surpasses this quantity and thinks that the user who uses this RFID-SIM card is trusted user.The second predetermined threshold is the higher limit of simplifying the allowed payment of safety certification, can pass through service provider's free setting, also can be decided through consultation by user and service provider.
See also Fig. 3, Fig. 3 is the structural representation that the present invention is based on account number safety protective device first embodiment of RFID-SIM card, and this protective device comprises:
Receiver module 301: the ID authentication request of accepting the RFID-SIM card;
Identification module 302: according to the card identifying information of the described RFID-SIM card of described ID authentication request coupling;
The first judge module 303: the history that whether has described RFID-SIM card local according to the judgement of the described card identifying information record of swiping the card;
The second judge module 304: be used for swiping the card when recording when the local history that has a described RFID-SIM card, whether the history of the described RFID-SIM card of the local storage of judgement swipes the card record over the first predetermined threshold;
Security authentication module 305: be used for swiping the card when recording when the local history that does not have a described RFID-SIM card, activated described RFID-SIM card before payment, and described RFID-SIM card is carried out maltilevel security authenticate; When the history of the described RFID-SIM card of this locality storage record of swiping the card surpasses the first predetermined threshold, before payment, described RFID-SIM card is carried out and simplified the safety certification step; Swipe the card record when surpassing the first predetermined threshold when the history of the described RFID-SIM card of this locality storage, described RFID-SIM card is carried out the maltilevel security authentication.
See also Fig. 4, Fig. 4 is the structural representation that the present invention is based on account number safety protective device second embodiment of RFID-SIM card, and this protective device comprises:
Receiver module 401: the ID authentication request of accepting the RFID-SIM card;
Identification module 402: according to the card identifying information of the described RFID-SIM card of described ID authentication request coupling;
The first judge module 403: the history that whether has described RFID-SIM card local according to the judgement of the described card identifying information record of swiping the card;
The second judge module 404: be used for swiping the card when recording when the local history that has a described RFID-SIM card, whether the history of the described RFID-SIM card of the local storage of judgement swipes the card record over the first predetermined threshold;
The 3rd judge module 405: when whether surpassing the first predetermined threshold for the record of swiping the card when the history of the local described RFID-SIM card of storing, judge that further whether the payment of described RFID-SIM card is over the second predetermined threshold;
Security authentication module 406: be used for swiping the card record during over the first predetermined threshold when the swipe the card history of record or described RFID-SIM card of the local history that does not have a described RFID-SIM card, activated described RFID-SIM card before payment, and described RFID-SIM card is carried out the maltilevel security authentication; When the history of the described RFID-SIM card of this locality storage record of swiping the card surpasses the first predetermined threshold, before payment, described RFID-SIM card is carried out and simplified the safety certification step; When the payment of described RFID-SIM card does not surpass the second predetermined threshold, before payment, described RFID-SIM card is carried out and simplified the safety certification step; When the payment of described RFID-SIM card surpasses the second predetermined threshold, before payment, described RFID-SIM card is carried out the maltilevel security authenticating step.
The present invention has the characteristics of sight alignment according to the characteristics of people's scope of activities as working clan's activity.Use the characteristics of people's scope of activities, the move transaction payment safety authentication of simplification is set in fixing several activity venues, can simplify safe authentication procedure on the basis of as far as possible realizing the mobile payment transaction security, shorten the exchange hour of mobile payment, improve the trading efficiency of mobile payment.
The present invention to the user in the fixed location or mechanism when using mobile payment for the first time, arrange and use first activation mechanism, when being used first, it need to activate the RFID-SIM card, in a period of time after activating this RFID-SIM card and carry out mobile payment of small amount in same place not in any authentication of needs.Wherein, the length of the above-mentioned time that need not to authenticate can by user's free setting, as authenticate modification by note, perhaps be revised by network authentication.
Therefore in view of the relative stationarity in mankind's activity zone, utilization of the present invention " study " historical trading has well been completed the mobile payment transaction task, guarantees that transaction security carries out, and the efficient of mobile payment transaction is improved.
The above is only embodiments of the invention; not thereby limit the scope of the claims of the present invention; every equivalent structure or equivalent flow process conversion that utilizes instructions of the present invention and accompanying drawing content to do; or directly or indirectly be used in other relevant technical fields, all in like manner be included in scope of patent protection of the present invention.
Claims (10)
1. the account number safety guard method based on the RFID-SIM card, is characterized in that, comprising:
Accept the ID authentication request of RFID-SIM card;
Card identifying information according to the described RFID-SIM card of described ID authentication request coupling;
The history that whether has described RFID-SIM card local according to the judgement of the described card identifying information record of swiping the card;
If whether the history of the described RFID-SIM card of the local storage of judgement swipes the card record over the first predetermined threshold;
If before payment, described RFID-SIM card is carried out and is simplified the safety certification step.
2. method according to claim 1 is characterized in that:
After the history that whether has described RFID-SIM card local according to the judgement of described card identifying information is swiped the card the step of record, also comprise: if not, activated described RFID-SIM card before payment, and described RFID-SIM card is carried out the maltilevel security authenticating step.
3. method according to claim 1 is characterized in that:
Whether swipe the card record over after the step of the first predetermined threshold in the history of the local described RFID-SIM card of storing of judgement, also comprise:
If not, before payment, described RFID-SIM card is carried out the maltilevel security authenticating step.
4. method according to claim 1 is characterized in that:
Whether swipe the card record over after the step of the first predetermined threshold in the history of the local described RFID-SIM card of storing of judgement, also comprise:
Whether the payment of judging the RFID-SIM card surpasses the second predetermined threshold;
If before payment, described RFID-SIM card is carried out the maltilevel security authenticating step.
5. method according to claim 1 is characterized in that:
Whether swipe the card record over after the step of the first predetermined threshold in the history of the local described RFID-SIM card of storing of judgement, also comprise:
Whether the payment of judging described RFID-SIM card surpasses the second predetermined threshold;
If not, continued described RFID-SIM card is carried out simplification safety certification step before payment.
6. the account number safety protective device based on the RFID-SIM card, is characterized in that, comprising:
Receiver module: the ID authentication request of accepting the RFID-SIM card;
Identification module: according to the card identifying information of the described RFID-SIM card of described ID authentication request coupling;
The first judge module: the history that whether has described RFID-SIM card local according to the judgement of the described card identifying information record of swiping the card;
The second judge module: be used for swiping the card when recording when the local history that has a described RFID-SIM card, whether the history of the described RFID-SIM card of the local storage of judgement swipes the card record over the first predetermined threshold;
Security authentication module: being used for swipes the card to record when the history of the local described RFID-SIM card of storing surpasses the first predetermined threshold, before payment, described RFID-SIM card is carried out simplification safety certification step.
7. device according to claim 1 is characterized in that:
Described security authentication module also is used for swiping the card when recording when the local history that does not have a described RFID-SIM card, activates described RFID-SIM card before payment, and described RFID-SIM card is carried out maltilevel security authenticates.
8. device according to claim 1 is characterized in that:
When described security authentication module also surpasses the first predetermined threshold for the record of swiping the card when the history of the local described RFID-SIM card of storing, to the authentication of described RFID-SIM card execution maltilevel security.
9. device according to claim 1 is characterized in that:
Described device also comprises the 3rd judge module: be used for judging whether the payment of described RFID-SIM card surpasses the second predetermined threshold;
Described security authentication module also is used for before payment, described RFID-SIM card being carried out the maltilevel security authenticating step when the payment of described RFID-SIM card surpasses the second predetermined threshold.
10. device according to claim 1 is characterized in that:
Described device also comprises the 3rd judge module: be used for judging whether the payment of described RFID-SIM card surpasses the second predetermined threshold;
Described security authentication module also is used for when the payment of described RFID-SIM card does not surpass the second predetermined threshold, before payment, described RFID-SIM card is carried out and is simplified the safety certification step.
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| Application Number | Priority Date | Filing Date | Title |
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| CN 201110338293 CN103093353A (en) | 2011-10-31 | 2011-10-31 | Account security protection method and device based on radio frequency identification (RFID)-subscriber identity module (SIM) card |
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| CN 201110338293 CN103093353A (en) | 2011-10-31 | 2011-10-31 | Account security protection method and device based on radio frequency identification (RFID)-subscriber identity module (SIM) card |
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| CN104933556A (en) * | 2015-05-27 | 2015-09-23 | 小米科技有限责任公司 | Mode setting method and apparatus |
| CN105096116A (en) * | 2014-05-19 | 2015-11-25 | 中兴通讯股份有限公司 | Payment method, mobile terminal and user identification card |
| CN106211153A (en) * | 2016-06-29 | 2016-12-07 | 宁波市由乐讯通讯科技有限公司 | Auth method and system in a kind of wireless communication procedure based on big data |
| CN106529956A (en) * | 2016-10-31 | 2017-03-22 | 努比亚技术有限公司 | Terminal and verification method of terminal payment |
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| CN108292376A (en) * | 2015-12-15 | 2018-07-17 | 万事达卡国际公司 | The system for carrying out crossed card certification using purse transaction certification history |
| CN108446907A (en) * | 2017-02-16 | 2018-08-24 | 阿里巴巴集团控股有限公司 | Safe checking method and device |
| CN108769959A (en) * | 2018-04-11 | 2018-11-06 | 南京熊猫通信科技有限公司 | A kind of communication terminal near field identifying system and method based on microcell base station |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105096116A (en) * | 2014-05-19 | 2015-11-25 | 中兴通讯股份有限公司 | Payment method, mobile terminal and user identification card |
| CN104933556A (en) * | 2015-05-27 | 2015-09-23 | 小米科技有限责任公司 | Mode setting method and apparatus |
| CN108292376A (en) * | 2015-12-15 | 2018-07-17 | 万事达卡国际公司 | The system for carrying out crossed card certification using purse transaction certification history |
| US11113687B2 (en) | 2015-12-15 | 2021-09-07 | Mastercard International Incorporated | System for performing cross card authentication using wallet transaction authentication history |
| CN108292376B (en) * | 2015-12-15 | 2022-05-27 | 万事达卡国际公司 | Method and apparatus for cross-card authentication using wallet transaction authentication history |
| CN106211153A (en) * | 2016-06-29 | 2016-12-07 | 宁波市由乐讯通讯科技有限公司 | Auth method and system in a kind of wireless communication procedure based on big data |
| CN106529956A (en) * | 2016-10-31 | 2017-03-22 | 努比亚技术有限公司 | Terminal and verification method of terminal payment |
| CN108446907A (en) * | 2017-02-16 | 2018-08-24 | 阿里巴巴集团控股有限公司 | Safe checking method and device |
| CN108446907B (en) * | 2017-02-16 | 2021-06-18 | 创新先进技术有限公司 | Safety verification method and device |
| CN108170183A (en) * | 2017-12-29 | 2018-06-15 | 凯龙高科技股份有限公司 | A kind of methanol heater controller |
| CN108170183B (en) * | 2017-12-29 | 2020-06-09 | 凯龙高科技股份有限公司 | Methanol heater controller |
| CN108769959A (en) * | 2018-04-11 | 2018-11-06 | 南京熊猫通信科技有限公司 | A kind of communication terminal near field identifying system and method based on microcell base station |
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Application publication date: 20130508 |