CN103400095B - Merge system and the exchange method of a far and near interactive function - Google Patents
Merge system and the exchange method of a far and near interactive function Download PDFInfo
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- CN103400095B CN103400095B CN201310354324.0A CN201310354324A CN103400095B CN 103400095 B CN103400095 B CN 103400095B CN 201310354324 A CN201310354324 A CN 201310354324A CN 103400095 B CN103400095 B CN 103400095B
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Abstract
The present invention relates to the integration technology of NFC and telecommunication, it discloses a kind of system and method that merges a far and near interactive function, and the near field interactive mode solving in conventional art exists the problem that cost is high, security is low. in the present invention, user clicks the NFC icon of mobile phone terminal, sends NFC business demand to Cloud Server, and then by the paste card of mobile phone terminal near card reader terminal, card reader terminal is submitted to internal server after reading No. ID in paste card, internal server sends Query Information to Cloud Server, Cloud Server sends random code to card reader terminal, after random code on mobile phone terminal scanning card reader terminal, upload Cloud Server, Cloud Server is after checking is errorless, carry out relevance inquiry according to No. ID in the phone number in NFC business demand or Query Information, and return to Query Result to internal server, internal server carries out respective handling according to Query Result. the present invention is applicable in closed environment place and open environment place.
Description
Technical field
The present invention relates to NFC(wireless near field communication) and the integration technology of telecommunication, particularly a kind ofly merges far and nearThe system of interactive function and exchange method.
Background technology
Along with the arrival of mobile Internet and electronic commerce times, mobile near field application technology and business are day by day risen in the whole world. ?It is very high that domestic near field pays (containing NFC) business cry, and Ge great operator and bank etc. rub one's fists and wipe one's palms, and apply also in NFC near fieldNearly clear and definite its operating frequency and applied environment and the scope of application.
At present, domestic mobile near field interactive system is promoted mainly SWP-SIM technology, on (U) SIM, be integrated with identification,Gate inhibition/work attendance, by bus and financial business and safe unit etc., but this technology must use NFC mobile phone and be replaced by NFC-SIM card,Need to drop into the newly-built NFC card reader of great amount of cost, and current NFC mobile phone is very rare, apple iphonexs series is moved simultaneouslyMore not therein, this brings great obstruction to the popularization of NFC business to moving terminal; In addition, because NFC in the market producesProduct are by NFC integrated chip or are inserted in smart mobile phone inside, in the time that NFC mobile terminal carries out the mobile payment based on NFC technology,Conventionally need to be by user's information and NFC chip bonding, once user's NFC mobile terminal is lost, user's personal information is veryEasily be stolen, cause loss economically.
To sum up, near field of the prior art interactive mode exists the defect that cost is high, security is low.
Summary of the invention
Technical problem to be solved by this invention is: propose a kind of system and exchange method that merges a far and near interactive function, solveNear field interactive mode in conventional art exists the problem that cost is high, security is low.
The present invention solves the problems of the technologies described above adopted scheme: merge the system of a far and near interactive function, be applied to closedIn environment place, comprising:
User terminal, it comprises mobile phone terminal and NFC paste card (passive NFC paste card), described NFC paste card sticks on handOn machine terminal bonnet, this NFC paster stores has No. ID of uniqueness; In described mobile phone terminal, load NFC software clientEnd and NFC apply general icon, click NFC apply after general icon user, and this mobile phone terminal sends NFC to Cloud ServerService request, the phone number that has comprised this mobile phone terminal in this NFC service request;
Card reader terminal, is distributed in each service point in place, for reading No. ID of NFC paste card on user terminal,And send the authentication request that comprises this ID He Zhe service point information to internal server;
Internal server, for receiving after the authentication request that card reader terminal is submitted to, extracts service point corresponding to card reader terminalInformation, judges that this service point is general service point or important service point, if general service point, directly at internal serverAbove according to No. ID, user's identity is authenticated; If important service point, initiates inquiry request, this inquiry to Cloud ServerIn request, comprise the service identification number of this No. ID and this internal server; And in Query Result the combination of receiving that Cloud Server returnsService point information is carried out corresponding operating;
Cloud Server, for accepting the registration of mobile phone terminal and NFC paste card thereof, by the phone number of mobile phone terminal and its NFCCarry out association store No. ID of paste card; When receive NFC service request and inquiry request in setting-up time is poor time, to NFC industryIn phone number in business request and inquiry request, carry out relevance inquiry No. ID, and return to Query Result to internal server.
Here, described closed environment place is as gate inhibition, work attendance or the internal consumption of the group customer such as university, government and enterprises, communityApplication places.
Concrete, describedly carry out relevance inquiry to No. ID in the phone number in NFC service request and inquiry request and refer to:Phone number in inquiry NFC service request whether with mating for No. ID in inquiry request.
Concrete, described internal server is being received the Query Result that Cloud Server returns and is carrying out corresponding behaviour in conjunction with service point informationWork comprises: if in the Query Result returning at Cloud Server, and in the phone number in NFC service request and inquiry request No. IDCoupling, carries out corresponding operating (as: carry out gate inhibition's license, consumption is deducted fees etc.) according to the information of service point; If at Cloud ServerIn the Query Result returning, the phone number in NFC service request and not mating for No. ID in inquiry request, to card reader eventuallyEnd returns to error message.
Concrete, also can integrated real-time deduction application as local in public transport, subway etc. or gate inhibition in the NFC paste card in this programmeAuthentication chip; For ease of user utilize mobile terminal to the management such as the real-time deduction such as public transport, subway account and to itsLine is supplemented with money, particularly, more for mobile terminal being become to the card reader that can collect money, can on this NFC paste card, USB be set and connectMouthful, communicate by usb data line and mobile terminal, so the NFC paste card separating with mobile terminal just becomes active NFCCard reader terminal.
In this programme, such can be applied directly for the common gate inhibition of group customer, work attendance class business (being general service)Be integrated on paste card chip, need be around doing phone number checking to Cloud Server (in order to alleviate network pressure and to improve certification effectRate), customer mobile terminal and card reader directly swipe the card interaction data and on internal server certification just can, this authentication mode belongs toPrior art, repeats no more here; And for important service (gate inhibition or group customer as important in manager's room, accounting office etc.Internal consumption/payment class business), need to arrive on Cloud Server and verify, with No. ID on paste card with phone numberCorresponding relation is as the foundation of judging legal identity; Certainly, in this programme, also can not adopt the mode of NFC paste card that ID is providedNumber, and adopting the mode of card reader terminal barcode scanning can realize equally, the ID Quick Response Code that mobile phone terminal calls storage is for Card ReaderDevice terminal scanning; No matter but be to adopt the mode of paste card or the mode of card reader terminal barcode scanning, be all with No. ID and mobile phoneThe corresponding relation of number is as the foundation of judging legal identity.
Based on said system, the invention allows for a kind of exchange method that merges a far and near interactive function, be applied to closed ringImportant service point in place, border, it comprises the following steps:
A. the NFC that user clicks in mobile phone terminal applies after general icon, and mobile phone terminal sends NFC service request to Cloud Server;
B. user, by the NFC paste card on mobile phone terminal near card reader terminal, sends No. ID in paste card to card reader terminal;
C. card reader terminal sends the authentication request that comprises this ID He Zhe service point information to its internal server;
D. internal server is initiated inquiry request to Cloud Server, comprises the industry of this No. ID and this internal server in this inquiry requestBusiness identification number;
E. when Cloud Server is received NFC service request and inquiry request in setting-up time is poor, to the mobile phone in NFC service requestCarry out relevance inquiry, and return to Query Result to internal server for No. ID in number and inquiry request;
F. internal server carries out corresponding operating in conjunction with service point information receiving after the Query Result that Cloud Server returns.
In addition, the invention allows for the another kind of system that merges a far and near interactive function, be applied in open environment place,It comprises:
User terminal, it comprises mobile phone terminal and NFC paste card (passive NFC paste card), described NFC paste card sticks on handOn machine terminal bonnet, this NFC paster stores has No. ID of uniqueness; In described mobile phone terminal, load NFC software clientEnd and NFC apply general icon, click NFC apply after general icon user, and this mobile phone terminal sends NFC to Cloud ServerService request, the phone number that has comprised this mobile phone terminal in this NFC service request;
Card reader terminal, its mobile terminal by businessman and NFC paste card (passive NFC paste card) form, and described NFC pastesThe mobile terminal that sheet cartoon is crossed usb data line and businessman communicates, for reading the ID of the NFC paste card on user terminalNumber, and this is submitted to the mobile terminal of businessman for No. ID by usb data line; In the mobile terminal of described businessman, load paymentClass software client, sends to Cloud Server for generating the request of payment; Described payment request comprises that the NFC of user terminal pastesThe relevant information of in sheet card No. ID, the NFC paste card of the machine No. ID, service identification and this payment;
Cloud Server, for accepting the registration of mobile phone terminal and NFC paste card thereof of user terminal, by the cell-phone number of mobile phone terminalCode carries out association store with No. ID of its NFC paste card and user's bank paying account; When receive NFC in setting-up time is poorWhen service request and payment request, to the NFC paster of the user terminal in the phone number in NFC service request and payment requestBlock and carry out relevance inquiry No. ID, if the two coupling continues to judge whether the amount of money of this transaction exceedes fixing amount, if so,Return and issue the instruction that requires input bank card password to user's mobile phone terminal, receiving the bank card of reply of mobile phone terminalPassword and verify errorless after, carry out respective pay operation; If the amount of money of this transaction does not exceed fixing amount, directly carry out phaseAnswer delivery operation.
Here, described open environment place is to pay answering of class business as public places such as market, supermarket or food and drink, convenience storesUse place.
In this programme, be understandable that for those skilled in the art, can not adopt equally NFC paste card that ID is providedNumber, due to this No. ID mark with uniqueness just, can adopt the mode of card reader terminal barcode scanning passable equally completelyRealize, the ID Quick Response Code that mobile phone terminal calls storage is for card reader terminal scanning; No matter but be the mode that adopts paste cardOr the mode of card reader terminal barcode scanning, be all using No. ID with the corresponding relation of the phone number foundation as judgement legal identity.
In this programme, because payment process does not need to transmit user's bank card account information, but only transmission has uniqueNo. ID of property mark, utilizes this No. ID and the incidence relation of subscriber phone number and user's bank account information in Cloud ServerRealize delivery operation, can ensure user's fund security; And need user to input bank card password running into a large sum of money paymentTime, be also to input on user's oneself mobile phone terminal, avoided that password extracted may, further ensure user's fundSafety; But, for the guarantee user fund security of higher degree, avoid occurring that user does not swipe the card and occurs the situation of deducting fees,Can also add access customer in this application and experience personally the decision condition of as seen, that is:
Described user terminal is also in clicking NFC and applying general icon and send NFC service request to Cloud Server user,Start camera process; Described Cloud Server also, in the time receiving payment request, issues random code to card reader terminal; DescribedCard reader terminal, also for this random code is shown, scans and uploads this random code for user terminal, at Cloud ServerReceive after the random code confirmation of user terminal uploads, then carry out follow-up in to the phone number in NFC service request andThe NFC paste card of paying the user terminal in request carries out relevance query manipulation No. ID.
Based on this system, the invention allows for a kind of exchange method that merges a far and near interactive function, be applied to open environmentIn place, it comprises the following steps:
A. in the time that user need to pay, the NFC clicking in mobile phone terminal applies general icon, and mobile phone terminal is to Cloud ServerSend NFC service request, start camera process simultaneously;
B. user, by the NFC paste card on mobile phone terminal near card reader terminal, sends No. ID in paste card to card reader terminal;
C. card reader terminal generates the request of payment and sends to Cloud Server;
D. Cloud Server is received while paying request, issues random code to card reader terminal;
E. card reader terminal shows this random code;
F. user's mobile phone terminal scans and is uploaded to Cloud Server to the random code on card reader terminal;
G. Cloud Server judges whether to receive NFC service request in setting-up time is poor and props up after receiving this random code confirmationPay request, if so, the NFC paste card of the user terminal in the phone number in NFC service request and payment request is entered for No. IDThe inquiry of row relevance, if the two coupling continues to judge whether the amount of money of this transaction exceedes fixing amount, if exceed regulation goldVolume enters step h, if do not exceed fixing amount, directly carries out respective pay operation;
H. Cloud Server returns and issues the instruction that requires input bank card password to user's mobile phone terminal;
I. user inputs bank card password by mobile phone terminal;
J. Cloud Server errorless to bank card password checking after, carry out respective pay operation.
Concrete, the respective pay operation described in this programme refers to: the mobile-phone payment account that user is bound on Cloud ServerOperation and the account that businessman is bound on Cloud Server of the withholing operation of transferring accounts.
Concrete, judging whether described in step g received NFC service request in setting-up time is poor and the request that pays refers to:Judgement is received NFC service request and is paid the whether satisfied time difference of setting of time difference of request; If do not meet the time difference of setting,Do not carry out subsequent step, process ends.
The invention has the beneficial effects as follows: 1, using the incidence relation of phone number and No. ID as far and near mutual lawful basis,Carrying out when mutual not needing to transmit user's accounts information, stop to be intercepted and captured accounts information and cause the possibility of fund loss; 2,Owing to being association based on phone number, therefore do not fear user's ID code stolen or be replicated, greatly protect user'sFund security; 3,, for user terminal, adopt the side of pasting NFC paste card at mobile phone terminal bonnet (outside or inner)Formula realizes, and does not need user change mobile phone and change SIM, reduces costs; 4, for the card reader terminal of businessman, willThe NFC paste card with USB interface is connected with the mobile terminal of businessman by usb data line, thereby formation card reader terminalForm, does not need newly-built card reader special, reduces costs; 5, native system is owing to being based on the LTE of operator network and phone numberAssociation, Near-field Data is mutual and high in the clouds authentication simultaneously combines, and therefore can realize very easily paste card or accountReport the loss; 6, carry out delivery operation particularly wholesale pay interaction in, user inputs bank card in the terminal of oneselfEncrypted message, thus the possibility that input message causes information to be extracted in the terminal of businessman avoided; 7, carrying out mutual mistakeCheng Zhong, has added the flow process of user's execute-in-place, i.e. cloud service need issue random code to card reader terminal, user terminal scanning withMachine code is uploaded, then ensures that by the mode of Cloud Server checking random code user is at mutual scene, thereby avoid because of mobile phone virusesThere is the situation that user is not deducted fees to on-the-spot swiping the card in invasion.
Brief description of the drawings
Fig. 1 is the card reader terminal being formed by mobile phone terminal and NFC card;
Fig. 2 is group customer NFC network architecture;
Fig. 3 is the far and near interaction flow for important service in closed environment place;
Fig. 4 is the far and near interaction flow in open environment place;
Fig. 5 adds in the closed environment place of the on-the-spot interaction feature of access customer in the far and near interaction flow to important service;
Fig. 6 is the far and near interaction flow adding in the open environment place of the on-the-spot interaction feature of access customer.
Detailed description of the invention
The present invention is intended to utilize the reliability of the mutual convenience near field and remote authentication/payment, build one convenient, melt reliablyClose the system of a far and near interactive function, utilize near field interactive means and realize the data of far-near by LTE wireless broadband networkAlternately. The present invention does not need to change mobile terminal and (U) SIM, must newly-built NFC card reader yet, and simultaneously can also be to each electron-likeWallet is reported the loss, and has facilitated widely user, also greatly provides cost savings. For make full use of near field interactive means agility,Convenience, the present invention pastes passive NFC paster in or beyond mobile phone terminal bonnet, or directly uses mobile terminal barcode scanning instead, withThe ID code of paster or barcode scanning is circulating medium, and this ID is associated in advance with phone number on Cloud Server; No matter be NFC modeOr barcode scanning mode, the security of whole system is the foundation taking the corresponding relation of phone number and ID as its legal identity all. NFCThe ID of paste card or barcode scanning is divided into two classes: a class is for the category-A code that pays environment as open in supermarket, market or convenience store etc.;Another kind of for authenticate the category-B code of environment as group's closure such as university, movie theatre or members. Native system is structured in mobile communication(U), on the secure certification architecture basis of SIM, define closing of data interaction with phone number and paste card or barcode scanning ID associatedMethod, uniqueness, system data alternately taking ID code as flow process intermediary, do not need to transmit user account information, greatly protectionUser's personal information.
Lower mask body is introduced system architecture and the operation flow in the present invention:
(i) passive NFC paster and card reader terminal:
For utilizing the convenience of near field interaction technique so that low cost, promotion business rapidly, the present invention is sticky at mobile terminal bonnetLabel passive NFC paste card (being), it is the NFC paster that is independent of mobile phone baseband and communication network, and this paster has uniqueID, ID code is only the code name of paste card. Mobile terminal is loaded with corresponding software client and a near field application is generalIcon (NFC applies general icon). Certainly in its NFC paste card, also can answer by integrated real-time deduction as local in public transport, subway etc.With or the authentication chip such as gate inhibition. Utilize mobile phone to the local management such as the account such as public transport, subway and to it for ease of userSupplement with money online, particularly more for the passive NFC label of mobile terminal is become to card reader terminal to make it have gathering functions,On paste card, be integrated with USB interface and slot, it is by USB line and communication of mobile terminal, so separate with mobile terminalPassive NFC paste card (label) just become active NFC card reader terminal, as shown in Figure 1.
Associated for NFC paste card and ID code and phone number and bank's card number, user can arrive business agency or businessThe Room obtains the passive paste card of NFC, and sets up ID code-phone number-bank card and mobile-phone payment account on Huo website, this agencyNumber several persons' association. And corresponding software client both can have been downloaded from website, after also can this paster being communicated with mobile phone with USB,Carrying software from paste card is installed on mobile terminal.
(ii) be applied in the system of the far and near interactive function of fusion in enclosed environment place:
1. the group customer NFC network architecture
For as the gate inhibition of the group customer such as university, government and enterprises, community, work attendance and internal consumption etc., the each card reader of its inner NFCBe connected with this internal server, internal server is connected with Cloud Server, the Card Reader of each service point (as gate inhibition or consuming point)Device has its inner unique coding, and this internal server ID identification code is category-B code, referring to Fig. 2.
2. group customer near field business classification
(1) general business: for extenuating network pressure and shortening interaction time, to the common gate inhibition of group customer, work attendance class businessSuch application directly can be integrated on NFC paste card chip, not need by LTE network again around making phone number to Cloud ServerChecking, directly swipe the card interaction data authenticate and just can on internal server of customer mobile terminal and card reader. (2) importance business:But for important gate inhibition as manager's room, accounting office or hotel gate inhibition or firearms chamber and internal consumption/payment class important area and heavyWant business, need do phone number checking to Cloud Server via carrier network. Along with TDD/FDD-LTE broadband wireless networkArriving, bottom terminal is almost negligible to the time delay of Cloud Server interaction data through network, therefore can utilize LETNetwork changes the local cipher key interaction of former NFC near field system terminal room to be placed on Cloud Server and completes, and the each terminal of bottom only participates inAuthentication. (3) important area and business authentication flow process. Deduct fees for the important gate inhibition of group customer and internal consumption or traffic ETC etc.Business, for the reliability of the business of guaranteeing payment in case other user take this opportunity near mobile terminal from malicious swipe the card account transfer, deduct fees, userThe NFC standard drawing that need first click mobile terminal is marked with the authentication processes that activates Cloud Server, and now mobile phone terminal is via communication networkThe initiation request of reaching the standard grade, and inform that Cloud Server the machine has NFC business demand a; (2) then user reads close mobile phone NFC pasterCard device is to send this paste card ID code b to it; (3) card reader sends to its server by internal network after reading paste card IDAuthentication request, this authentication request includes the information of this service point and the ID c of paste card; Internal server just by having/Whether wireless network inquires about this paste card ID submit applications to Cloud Server, sends inquiry request d to Cloud Server; ByBe sealing class B in internal server service identification, therefore Cloud Server can be to this inquiry request payment processes, due to subsidesSheet card ID and its phone number are associated on server in the time of service fulfillment, if two-way demand arrives cloud service within the regulation time limitNo matter device (is that NFC business demand that user terminal sends first arrives the inquiry request that Cloud Server or internal server sendFirst arriving Cloud Server, as long as the time difference that two paths of signals arrives meets the requirement of regulation, is in order to improve security like this)Cloud Server is just made correlation inquiry and is replied the inquiry e of internal server this card ID and phone number; (6) if this phone numberSubmitted NFC business demand to, internal server carries out corresponding operating f according to the coding definition of this service point, as gate inhibition's license,Consumption is deducted fees etc., and its flow process as shown in Figure 3.
(iii) be applied in the system of the far and near interactive function of fusion in open environment place:
For NFC near field payment transaction, as the public places such as market, supermarket or food and drink, convenience store pay class business, considerThe rapidity of TDD/FDD-LTE wireless network, simultaneously because such business has high requirement to security of system, therefore must arrive cloud clothesBusiness device is done the comparison of phone number relevance.
1. open environment NFC business structure
For the NFC mobile-phone payment class business of open environment, client's mobile terminal and businessman's mobile terminal all go by LTE networkCloud Server interaction data, still does this and authenticates the foundation of this transaction legitimacy with phone number and paste card ID associated.
2. open environment NFC payment transaction flow process
This technology does not need newly-built card reader special, but utilizes businessman's mobile terminal as card reader, will by external USB lineStand-alone antenna paster is connected with its mobile terminal, and now this passive paste card just becomes active card reader, collides and swipes the card when terminal roomTime its excited users paste card read the ID of this paste card, thereafter just with businessman's communication of mobile terminal, interaction flow is as follows:
(1) user is in the time that open environment uses NFC payment transaction, and it first clicks the general icon of its mobile terminal client terminal, and terminal justThere is NFC business demand a to this Cloud Server application the machine; (2) businessman opens gathering interface and inputs collection amount, and uses USBLine is connected paste card with its mobile terminal, collide and do NFC data interaction thereafter with customer mobile terminal, and object is the NFC of businessmanPaste card reads the ID code of user NFC paste card and returns to this terminal baseband system b; (3) businessman's mobile terminal (being card reader)Read client's paster card number, businessman confirms to send this card by LTE wireless broadband network to Cloud Server after the payment origin of an incident and the amount of money(the NFC paste card of merchant terminal) ID, service identification and client's card (the NFC paste card of user terminal) ID code c; (4) mirrorThe service identification sending in businessman's mobile terminal is open class A, and therefore Cloud Server is used as this communication event to pay class processing,Because client's paste card ID and its phone number are just associated on server when the service fulfillment, so just to client's paste cardID and phone number are made correlation inquiry, if this card ID(is phone number) submit to NFC business demand within the regulation time limit, arrive,Cloud Server is bound the mobile-phone payment account operation d that withholds or transfer accounts to businessman and client.
If Cloud Server judges this turnover and exceed the amount of money of regulation (as 1000 yuan), Cloud Server is logical by voice or dataRoad issues command request input bank card password d ' to customer mobile terminal number, and Cloud Server password authentification is just carried out after passing throughOperation d. Because the present invention inputs password on user self mobile terminal, and the information sending is only paste card ID but not silverRow card information, has therefore blocked completely because transmitting by businessman's mobile terminal input the approach that bank card password is divulged a secret, and also avoids usingFamily because of lost mobile terminal cause wholesale fund stolen may, its flow process is as shown in Figure 4.
Certainly, the interactive system in the present invention also can be without NFC near field technique, but uses the barcode scanning side to figure or numeralFormula, the business of family mobile phone substitutes NFC paste card with scanning client mobile phone ID code and obtains ID, and which still does not need to input userAccounts information, for ensureing payment transaction safe, reliable, user still first clicks this terminal standard drawing before the interaction data of near fieldBe marked with to Cloud Server and submit to and have data interaction demand, recall simultaneously and show that the machine ID code is (on user network or the phase that completes off the netClose after binding flow process by system assignment and issue), the after this screen display ID code of businessman's mobile scanning terminal client mobile terminal uploading,Will phone number on Cloud Server associated as far and near mutual lawful basis with ID. Because this method will be used in advanceFamily ID is associated with its phone number, binding, if therefore this mobile phone is not initiated mutual application to Cloud Server, is exceeding rule soAfter specified time, just cancel this time business process. Due to the association of native system based on phone number, therefore do not fear user's ID code quiltUsurp or be replicated, greatly protected user's fund security.
Four, native system is reported the loss mechanism
Current NFC technology (as SWP-SIM) can not be reported the loss for the electronic cash that is stored in mobile phone terminal, and native system due toBased on the LTE of operator network and phone number association, Near-field Data is mutual and high in the clouds authentication simultaneously combines, and therefore canRealize very easily reporting the loss paste card or account. For small amount payment business blank, no name, can pass through passwordChecking is directly reported the loss and just can phone number at Cloud Server.
Five, native system is to mobile phone virus prevention mechanism
For avoiding mobile phone viruses user mobile phone to be encroached on to the loss that causes user's fund, on the one hand to moving eventually as card readerEnd number must be registered and can open gathering functions on book server, and near field does not need user to input card number alternately simultaneously, and this has just stoppedIntercepted and captured by hacker the possibility that bank card information causes fund to lose. Need on the other hand to iron user and experience the feature of as seen personally: forAvoid user not swipe the card and occur deducting fees and the stolen situation of account number, described above-mentioned " (two), 2. " and " (three), 2. "In payment transaction flow process in important service in enclosed environment place and open environment place, embed the on-the-spot interaction feature of user1 ', 4, embed flow process as follows: 1. on-the-spot interaction feature. User clicks terminal icon and sends the same of application 1 to this Cloud ServerTime, also start the camera scan procedure of the machine1'; Cloud Server receives that businessman's mobile terminal is deducted fees or internal server inquiryAfter application 3, just issue random code to businessman or customer mobile terminal/set-off internal server4(being branding characteristic value), after thisUser or businessman's mobile terminal just scan this branding characteristic value (random code)4And upload, Cloud Server certification is flowed by rear executionJourney 5. Certainly, for higher level ensure user security, Cloud Server can with voice channel require user manually input issueTo the branding characteristic value (random code) on businessman's mobile terminal. This flow process not only requires Cloud Server need to check whether initiatively industry of userBusiness requirement also will verify whether this phone number is received or return correct random code simultaneously, if user does not swipe the card alternately at the scene,This branding characteristic value (random code) also just passes and does not return so, so this flow process is just ended after overstepping the time limit; Add the on-the-spot friendship of access customerThe interaction flow that is applied to enclosed environment product institute important service of feature as shown in Figure 5, adds answering of the on-the-spot interaction feature of access customer mutuallyBe used for the interaction flow in open environment place as shown in Figure 6; 2. the mutual time limit of near field: though on Cloud Server customer serviceApplication arrives first or trade company's gathering application arrives first, and the time limit that only these two applications are tied to form uploading and arrive Cloud Server meets the demands(in 10 seconds), Cloud Server just starts authentication process so, otherwise cancels. Correspondingly, the inner Card Reader of group customerDevice should possess the reception and the Presentation Function that forward random code from its server, to the scanning distance of random code in the time dispatching from the factory, just mix up,Fixing.
Claims (9)
1. the system that merges a far and near interactive function, is applied in closed environment place, it is characterized in that, comprising:
User terminal, it comprises mobile phone terminal and NFC paste card, described NFC paste card sticks on mobile phone terminal bonnet, shouldNFC paste card stores has No. ID of uniqueness; In described mobile phone terminal, having loaded NFC software client and NFC applies logicalWith icon, to click NFC user and apply after general icon, this mobile phone terminal sends NFC service request, this NFC to Cloud ServerIn service request, comprise the phone number of this mobile phone terminal;
Card reader terminal, is distributed in each service point in place, for reading No. ID of NFC paste card on user terminal,And send the authentication request that comprises this ID He Zhe service point information to internal server;
Internal server, for receiving after the authentication request that card reader terminal is submitted to, extracts service point corresponding to card reader terminalInformation, judges that this service point is general service point or important service point, if general service point, directly at internal serverAbove according to No. ID, user's identity is authenticated; If important service point, initiates inquiry request, this inquiry to Cloud ServerIn request, comprise the service identification number of this No. ID and this internal server; And in Query Result the combination of receiving that Cloud Server returnsService point information is carried out corresponding operating;
Cloud Server, for accepting the registration of mobile phone terminal and NFC paste card thereof, by the phone number of mobile phone terminal and its NFCCarry out association store No. ID of paste card; When receive NFC service request and inquiry request in setting-up time is poor time, to NFC industryIn phone number in business request and inquiry request, carry out relevance inquiry No. ID, and return to Query Result to internal server.
2. the system that merges a far and near interactive function as claimed in claim 1, is characterized in that, described to NFC service requestIn phone number and the relevance inquiry carried out for No. ID in inquiry request refer to: the phone number in inquiry NFC service request isNo and mating for No. ID in inquiry request.
3. the system that merges a far and near interactive function as claimed in claim 2, is characterized in that, described internal server is being receivedThe Query Result returning to Cloud Server also carries out corresponding operating in conjunction with service point information and comprises: if the inquiry of returning at Cloud ServerIn result, the phone number in NFC service request and mating for No. ID in inquiry request, carry out phase according to the information of service pointShould operate; If in the Query Result returning at Cloud Server, in the phone number in NFC service request and inquiry request No. IDDo not mate, return to error message to card reader terminal.
4. the exchange method that merges a far and near interactive function, is applied to the important service point in closed environment place, and its feature existsIn, comprise the following steps:
A. the NFC that user clicks in mobile phone terminal applies after general icon, and mobile phone terminal sends NFC service request to Cloud Server;
B. user, by the NFC paste card on mobile phone terminal near card reader terminal, sends No. ID in paste card to card reader terminal;
C. card reader terminal sends the authentication request that comprises this ID He Zhe service point information to its internal server;
D. internal server is initiated inquiry request to Cloud Server, comprises the industry of this No. ID and this internal server in this inquiry requestBusiness identification number;
E. when Cloud Server is received NFC service request and inquiry request in setting-up time is poor, to the mobile phone in NFC service requestCarry out relevance inquiry, and return to Query Result to internal server for No. ID in number and inquiry request;
F. internal server carries out corresponding operating in conjunction with service point information receiving after the Query Result that Cloud Server returns.
5. the system that merges a far and near interactive function, is applied in open environment place, it is characterized in that, comprising:
User terminal, it comprises mobile phone terminal and NFC paste card, described NFC paste card sticks on mobile phone terminal bonnet, shouldNFC paste card stores has No. ID of uniqueness; In described mobile phone terminal, having loaded NFC software client and NFC applies logicalWith icon, to click NFC user and apply after general icon, this mobile phone terminal sends NFC service request, this NFC to Cloud ServerIn service request, comprise the phone number of this mobile phone terminal;
Card reader terminal, its mobile terminal by businessman and NFC paste card form, and described NFC paste card is by usb data lineCommunicate with the mobile terminal of businessman, for reading No. ID of NFC paste card on user terminal, and logical by this No. IDCross usb data line and submit to the mobile terminal of businessman; In the mobile terminal of described businessman, load payment class software client, usedSend to Cloud Server in generating the request of payment; Described payment request comprises No. ID, in the NFC paste card of user terminalThe relevant information of in the NFC paste card of machine No. ID, service identification and this payment;
Cloud Server, for accepting the registration of mobile phone terminal and NFC paste card thereof of user terminal, by the cell-phone number of mobile phone terminalCode carries out association store with No. ID of its NFC paste card and user's bank paying account; When receiving in setting-up time is poorWhen NFC service request and payment request, to the NFC of the user terminal in the phone number in NFC service request and payment requestPaste card carries out relevance inquiry No. ID, if the two coupling continues to judge whether the amount of money of this transaction exceedes fixing amount,If so, issue to user's mobile phone terminal the instruction that requires input bank card password, receiving the bank of reply of mobile phone terminalClip pin and verify errorless after, carry out respective pay operation; If the amount of money of this transaction does not exceed fixing amount, directly carry outRespective pay operation.
6. the system that merges far and near interactive function as claimed in claim 5, is characterized in that, described user terminal also forWhen user clicks NFC and applies general icon and send NFC service request to Cloud Server, start camera process; DescribedCloud Server also, in the time receiving payment request, issues random code to card reader terminal; Described card reader terminal is also for to thisRandom code shows, for user terminal, this random code is scanned and is uploaded, Cloud Server receive user terminal uploads withAfter machine code confirmation, then carry out follow-up in to phone number in NFC service request with pay the user terminal in requestNFC paste card carries out relevance query manipulation No. ID.
7. the exchange method that merges a far and near interactive function, is applied in open environment place, it is characterized in that, comprises followingStep:
A. in the time that user need to pay, the NFC clicking in mobile phone terminal applies general icon, and mobile phone terminal is to Cloud ServerSend NFC service request, start camera process simultaneously;
B. user, by the NFC paste card on mobile phone terminal near card reader terminal, sends No. ID in paste card to card reader terminal;
C. card reader terminal generates the request of payment and sends to Cloud Server;
D. Cloud Server is received while paying request, issues random code to card reader terminal;
E. card reader terminal shows this random code;
F. user's mobile phone terminal scans and is uploaded to Cloud Server to the random code on card reader terminal;
G. Cloud Server judges whether to receive NFC service request in setting-up time is poor and props up after receiving this random code confirmationPay request, if so, the NFC paste card of the user terminal in the phone number in NFC service request and payment request is entered for No. IDThe inquiry of row relevance, if the two coupling continues to judge whether the amount of money of this transaction exceedes fixing amount, if exceed regulation goldVolume enters step h, if do not exceed fixing amount, directly carries out respective pay operation;
H. Cloud Server issues the instruction that requires input bank card password to user's mobile phone terminal;
I. user inputs bank card password by mobile phone terminal;
J. Cloud Server errorless to bank card password checking after, carry out respective pay operation.
8. the exchange method that merges a far and near interactive function as claimed in claim 7, is characterized in that, respective pay operation isRefer to: the account that the mobile-phone payment account that user is bound on Cloud Server is withholdd operation and businessman is bound on Cloud ServerThe family operation of transferring accounts.
9. the exchange method that merges as claimed in claim 7 or 8 a far and near interactive function, is characterized in that institute in step gJudging whether of stating received NFC service request in setting-up time is poor and the request that pays refers to: judgement receive NFC service request andWhether the time difference that pays request meets the time difference of setting; If do not meet the time difference of setting, do not carry out subsequent step, knotLine journey.
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