CN103455913A - NFC payment method, device, system and mobile terminal - Google Patents
NFC payment method, device, system and mobile terminal Download PDFInfo
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- CN103455913A CN103455913A CN2013103758717A CN201310375871A CN103455913A CN 103455913 A CN103455913 A CN 103455913A CN 2013103758717 A CN2013103758717 A CN 2013103758717A CN 201310375871 A CN201310375871 A CN 201310375871A CN 103455913 A CN103455913 A CN 103455913A
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Abstract
The invention discloses an NFC payment method. The method includes the steps that a first terminal receives input transaction data and NFC transaction instructions according to received outer instructions and outputs second information; a mobile terminal receives a radio frequency signal which is received from the first terminal and used for activating NFC payment; the mobile terminal is initialized according to initialization data from the first terminal, sends an initialization completion response to the first terminal and outputs first information; the mobile terminal collects biological characteristics of a user to obtain an image of the biological characteristics and carries out image process to extract first biological characteristic values; the mobile terminal compares the first biological characteristic values with second biological characteristic values included by pre-stored user information, and sends an authentication successful response to the first terminal when the first biological characteristic values are consistent with the second biological characteristic values; the first terminal interacts with a first server and the mobile terminal to complete NFC payment. According to the NFC payment method, the device, the mobile terminal and the system, safety can be improved.
Description
Technical field
The present invention relates to a kind of electronic technology field, relate in particular to a kind of NFC method of payment, a kind of NFC payment mechanism, a kind of NFC payment system and mobile terminal.
Background technology
Near-field communication (Near Field Communication, NFC) is a kind of short-range wireless communication technology, allows to carry out the contactless Point-to-Point Data Transmission of short distance between electronic equipment.NFC pays and is based on the NFC technology, by mobile terminal, such as mobile phone, flat board etc., completes electronic money payment.
For convenient and swift, the NFC of small amount pays does not need the user to confirm usually, therefore there is the risk of maliciously being swiped the card, such as: existing NFC PayPal crosses sound and/or vibrations point out the user to carry out the NFC payment, has fine man-machine interaction, but in noisy crowded environment, the user often can't discover this prompting, and the functions such as note, phone are also by sound and/or vibration prompting user, cause the user to be accustomed to sound and vibration prompting, this has just given offender's opportunity.
Although can adopt password confirming mode or fingerprint identification mode to prevent the generation of the situation of above-mentioned stolen brush at present, but still exist password and fingerprint stolen, the generation of the situation of maliciously being swiped the card.
Summary of the invention
The present invention is intended to solve the problem existed in above-mentioned existing NFC payment.
The object of the present invention is to provide a kind of NFC method of payment, the method can improve security.
The object of the present invention is to provide a kind of NFC payment mechanism, this device can improve security.
The object of the present invention is to provide a kind of mobile terminal, this mobile terminal can improve security.
The object of the present invention is to provide a kind of NFC payment system, this system can improve security.
For achieving the above object, technical scheme of the present invention specifically is achieved in that
One aspect of the present invention provides a kind of NFC method of payment, and the method comprises:
A, first terminal receive external command;
B, described first terminal receive transaction data and the NFC trading instruction of input according to external command, export the second information; Described the second information is carried out the NFC payment in order to prompting;
C, mobile terminal receive the radiofrequency signal paid in order to activate NFC from described first terminal;
D, described mobile terminal are used to carry out initialization from the initialization data of described first terminal, and the transmission initialization completes response to described first terminal after initialization completes;
E, the described mobile terminal output first information; The described first information carries out biological characteristic authentication in order to prompting;
F, described mobile terminal are gathered user's biological characteristic, obtain biometric image; Described biological characteristic is: vein pattern or iris feature;
G, described mobile terminal carry out the image processing to biometric image, extract the first biological characteristic value;
H, described mobile terminal are compared described the first biological characteristic value and the second biological characteristic value that the user profile prestored comprises, and, when comparison is consistent, send the authentication success response to described first terminal;
I, described first terminal and first server and described mobile terminal carry out alternately, complete NFC and pay;
Described first terminal is POS terminal, card reader or card reader; Described first server is bank server or third-party server.
In said method, described step B comprises:
The described mobile terminal output first information, to described first terminal, shows the described first information by described first terminal; Perhaps
The direct output display first information of described mobile terminal.
Preferably, described step H also comprises:
When comparison is inconsistent, judge whether to reach preset times, if so, send authentication failure response to described first terminal, otherwise execution step F.
In said method, described step I comprises:
I1, described first terminal respond according to authentication success, transaction data and the accounts information that reads from described mobile terminal are prepared to data as transaction and be sent to described first server;
I2, described first server are carried out delivery operation according to the transaction data received and accounts information, generate the transaction script and are sent to described first terminal;
I3, described first terminal are sent to described mobile terminal by described transaction script;
I4, described mobile terminal carry out external authentication, and are authenticating by the described transaction script of rear execution, complete NFC and pay.
In said method, the described mobile terminal of step I4 carries out external authentication and comprises:
Whether account and/or the password of described mobile terminal checking input be consistent with the user profile prestored, if consistent, external authentication is passed through.
Another aspect of the invention provides a kind of NFC payment mechanism, and this device comprises:
The NFC antenna, the transmitting-receiving radiofrequency signal;
The NFC communication module, connect described NFC antenna and NFC and pay logic module, in order to complete first terminal and NFC, pays the communication between logic module;
Described NFC communication module comprises:
First module, detect and whether receive the radiofrequency signal that first terminal sends, and if so, is activated and triggers second unit, otherwise continuing to detect;
Second unit, the radiofrequency signal that first module is received is processed, and obtains initialization data and export described NFC to pay logic module; Described second unit sends initialization by described NFC antenna and completes response to described first terminal;
The accounts information that described second unit sends the authentication success response by described NFC antenna and the user profile that prestores comprises is to described first terminal;
Described second unit will export from the transaction script of described first terminal described NFC to and pay logic module;
NFC pays logic module, and by described first terminal initialization, the output first information also triggers the biological characteristic authentication module; Described NFC pays the logic module first biological characteristic value that will receive and the user profile prestored and compares, and when comparison is consistent, send the authentication success response to described first terminal by described NFC communication module and described NFC antenna, complete NFC and pay under the control of described first terminal;
The biological characteristic authentication module, the image acquisition element of calling mobile terminal gathers biological characteristic and obtains the first biological characteristic value, exports described the first biological characteristic value to described NFC and pays logic module;
Described biological characteristic authentication module comprises:
Image acquisition units, call the image acquisition element of mobile terminal and gather and obtain biometric image, and the output biometric image is to graphics processing unit;
Graphics processing unit, carry out image processing and feature extraction successively to the biometric image received, and obtains the first biological characteristic value and export described NFC to pay logic module;
The described first information carries out biological characteristic authentication in order to prompting; Described first terminal is POS terminal, card reader or card reader; Described biological characteristic is: vein pattern or iris feature.
Preferably, described NFC pays logic module also when comparison is inconsistent, judge whether to reach preset times, if, by described NFC communication module and described NFC antenna, send authentication failure response to described first terminal, otherwise continue to trigger the biological characteristic authentication module, gather biological attribute data.
In said apparatus, described NFC pays logic module and comprises:
Unit the 3rd, receive the initialization data from described first terminal by described NFC antenna and described NFC communication module, utilize initialization data to carry out initialization, the output initialization completes response to described NFC communication module, and the output first information also triggers described biological characteristic authentication module;
Unit the 4th, the second biological characteristic value that the user profile of storing in described the first biological characteristic value of receiving and Unit the 5th is comprised is compared, and, when comparison is consistent, by described NFC communication module and described NFC antenna, send the authentication success response to described first terminal;
Described Unit the 4th is by described NFC communication module and described NFC antenna, reception is from the transaction script of described first terminal, when the accounts information that the user profile of storing with Unit the 5th at account and/or the password of checking input comprises is consistent, completes NFC according to the transaction script and pay;
Unit the 5th, storing subscriber information; Described user profile at least comprises accounts information and the second biological characteristic value; Described accounts information at least comprises account and password.
The present invention provides a kind of mobile terminal on the other hand, and this mobile terminal is equiped with the described NFC payment mechanism of aforementioned any one.
Further aspect of the present invention provides a kind of NFC payment system, and this system comprises: aforementioned mobile terminal, first server and complete alternately the first terminal that NFC pays with described mobile terminal and described first server;
Described first server is bank server or third-party server.
Preferably, described first terminal also, before the described mobile terminal of initialization, receives transaction data and the NFC trading instruction of input, exports the second information and sends the radiofrequency signal paid in order to activate NFC; Described the second information is carried out the NFC payment in order to prompting.
In said system, the described mobile terminal output display first information; Perhaps
Described mobile terminal is also exported the first information to described first terminal, by described first terminal, shows the described first information.
In said system, described first terminal is also according to the authentication success response received, transaction data and the accounts information that reads from described mobile terminal are prepared to data as transaction and be sent to described first server, reception is from the transaction script of described first server, and is sent to described mobile terminal.
As seen from the above technical solution provided by the invention, the invention provides a kind of NFC method of payment, the NFC payment mechanism, be equiped with mobile terminal and the NFC payment system of NFC payment mechanism, information in first terminal and mobile terminal output display NFC payment process, by mobile terminal, biological characteristic is gathered and authenticated, such as vein pattern, iris feature etc., just carry out follow-up NFC payment flow after by biological characteristic authentication, avoided like this finger print identifying to exist by counterfeit danger and the stolen danger of password, further improved the security that NFC pays.
The accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme of the embodiment of the present invention, in below describing embodiment, the accompanying drawing of required use is briefly described, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite of not paying creative work, can also obtain other accompanying drawings according to these accompanying drawings.
The process flow diagram that Fig. 1 is NFC method of payment embodiment mono-of the present invention;
The process flow diagram that Fig. 2 is NFC method of payment embodiment bis-of the present invention;
The structural representation that Fig. 3 is NFC payment mechanism embodiment mono-of the present invention;
The structural representation that Fig. 4 is NFC payment mechanism embodiment bis-of the present invention.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is only the present invention's part embodiment, rather than whole embodiment.Based on embodiments of the invention, those of ordinary skills, not making under the creative work prerequisite the every other embodiment obtained, belong to protection scope of the present invention.
In description of the invention, it will be appreciated that, term " " center ", " vertically ", " laterally ", " on ", D score, " front ", " afterwards ", " left side ", " right side ", " vertically ", " level ", " top ", " end ", " interior ", orientation or the position relationship of indications such as " outward " are based on orientation shown in the drawings or position relationship, only the present invention for convenience of description and simplified characterization, rather than device or the element of indication or hint indication must have specific orientation, with specific orientation structure and operation, therefore can not be interpreted as limitation of the present invention.In addition, term " first ", " second " be only for describing purpose, and can not be interpreted as indication or hint relative importance or quantity or position.
In description of the invention, it should be noted that, unless otherwise clearly defined and limited, term " installation ", " being connected ", " connection " should be done broad understanding, for example, can be to be fixedly connected with, and can be also to removably connect, or connect integratedly; Can be mechanical connection, can be also to be electrically connected to; Can be directly to be connected, also can indirectly be connected by intermediary, can be the connection of two element internals.For the ordinary skill in the art, can concrete condition understand above-mentioned term concrete meaning in the present invention.
Below in conjunction with accompanying drawing, the embodiment of the present invention is described in further detail.
The invention provides a kind of NFC method of payment, the method comprises: first terminal carries out initialization according to external command to the NFC payment of mobile terminal; The mobile terminal output first information; Mobile terminal gathers biological characteristic and obtains the first biological characteristic value, the first biological characteristic value and the user profile prestored is compared, and, when comparison is consistent, sends authentication success and respond to first terminal; First terminal and first server and mobile terminal carry out alternately, complete NFC and pay.Wherein, the first information carries out biological characteristic authentication in order to prompting; First terminal is POS terminal, card reader or card reader; First server is bank server or third-party server; The biological characteristic of mentioning in the present invention for having the biological characteristic of live body feature as vein pattern or iris feature, adopt the above-mentioned biological characteristic with live body feature just can avoid imitated to the biological characteristic as fingerprint, can further improve the security in the NFC payment process.In following embodiment of the present invention, only with biological characteristic, come recapitulative description equally to there is the instantiation of live body feature such as vein pattern or iris feature, and repeat no longer seriatim each embodiment.
In view of NFC is a kind of short-range wireless communication technology, mobile terminal is in carrying out the process of NFC payment with first terminal, mobile terminal need to be in the NFC of first terminal effective range, be can receive and send messages and/or data by NFC between assurance mobile terminal and first terminal apart from needing between mobile terminal and first terminal, certainly be covered on first terminal in the process that mobile terminal pays at NFC and belong to best embodiment, the distance that mobile terminal also can be set with the first terminal interval, such as 2cm, 3cm, 5cm etc., in the situation that can carrying out NFC effectively, the distance mobile terminal that interval is set and first terminal get final product alternately, in following embodiment of the present invention, no longer the way of contact between mobile terminal and first terminal is limited.
It should be noted that, in view of general mobile terminal as mobile phone can at least be installed a camera, this camera is installed in the surface relative with the surface at the screen place of mobile terminal usually, and the NFC antenna that the NFC payment mechanism of mobile terminal installing comprises also is installed in the surface relative with the surface at the screen place of mobile terminal usually, for the ease of the camera collection biological characteristic, usually certain distance can stagger camera and first terminal, be that camera is not blocked by first terminal, perhaps when mobile terminal is equiped with front-facing camera, the screen of the plane of this front-facing camera installing and mobile terminal is when same plane, the NFN payment mechanism calls front-facing camera and carries out physical characteristics collecting.
The process flow diagram that Fig. 1 is NFC method of payment embodiment mono-of the present invention.Now in conjunction with Fig. 1, the embodiment mono-of NFC method of payment of the present invention is described, specific as follows:
Step 10: first terminal carries out initialization according to external command to the NFC payment of mobile terminal;
This step comprises: step 101, and first terminal receives transaction data and the NFC trading instruction of input, exports the second information; Step 102, mobile terminal receives the radiofrequency signal paid in order to activate NFC from first terminal; Step 103, mobile terminal is used to carry out initialization from the initialization data of first terminal, and sends initialization complete and respond to first terminal after initialization completes.
The information of the second information in step 101 in order to prompting, carrying out the NFC payment, particularly, exportable demonstration the second information of first terminal; First terminal in step 101 is POS terminal, card reader or card reader.
Transaction data and NFC trading instruction that in step 101, first terminal receives can derive from the owner who holds first terminal, also can derive from the first server of first terminal being carried out to the legitimacy authentication; Wherein, first server can, for bank server or for the third-party server through the legitimacy authentication, no longer illustrate the kind of third-party server at this one by one; Transaction data at least comprises the amount of money and account; The NFC trading instruction can trigger for input the NFC trading instruction generated during transaction data, also can confirm that button triggers the NFC trading instruction generated for pressing after the input transaction data.
The radiofrequency signal in order to activate the NFC payment of the first terminal of mentioning in step 102 is that first terminal activates according to being exclusively used in of Preset Time gap periods transmission the radiofrequency signal that NFC pays, once mobile terminal in the NFC of first terminal effective range, just can receive the radiofrequency signal that is exclusively used in activation NFC payment that first terminal periodically sends.
In step 103, mobile terminal is used to carry out in initialized step from the initialization data of first terminal, after the NFC of mobile terminal pays and is activated, mobile terminal just can receive the initialization data from first terminal by NFC, first terminal only can complete a NFC and pay within a period of time, in other words, after first terminal carries out initialization to a mobile terminal and after completing corresponding NFC payment, just can re-start initialization to mobile terminal and complete this another NFC payment for to another NFC, paying relevant flow process.
The initialization data of mentioning in step 103 can be: to select NFC to pay data that application is relevant, data that initialization NFC pays application, read NFC and pay data that application is relevant etc., particular content can pay the standard of communication referring to the NFC stipulated in the contactless payment standards such as JR/T0025.11, JR/T0025.12 or JR/T0025.14, at this, no longer concrete content is elaborated.
Step 11: the mobile terminal output first information to first terminal shows;
This step comprises: step 111, and mobile terminal sends the first information to first terminal by NFC; Step 112, the first terminal output display first information.
The first information in step 111 carries out biological characteristic authentication in order to prompting.
It should be noted that, mobile terminal can send when initialization completes response after step 10 initialization completes can send the first information to first terminal, by the first terminal output display first information, or after completing response, the transmission initialization sends the first information to first terminal.
Step 12: mobile terminal gathers biological characteristic and obtains the first biological characteristic value;
This step comprises: step 121, and mobile terminal is gathered user's biological characteristic, obtains biometric image; Step 122, mobile terminal carries out the image processing to biometric image, extracts the first biological characteristic value.
In step 121, the image acquisition element that mobile terminal can call its installing is gathered user's biological characteristic, obtains biometric image.
In step 122, mobile terminal can adopt such as: the image processing techniquess such as filtering, gray processing, normalization, image sharpening, binaryzation, feature extraction and feature derivation are processed the biometric image collected, and extract the first biological characteristic value from biometric image.
Step 13: mobile terminal is compared the first biological characteristic value and the user profile prestored, if comparison is consistent, performs step 14, otherwise performs step 16;
This step comprises: mobile terminal is compared the second biological characteristic value comprised in the first biological characteristic value and the user profile that prestores, if comparison is consistent, performs step 14, otherwise performs step 16.
The user profile of mentioning in this step at least comprises the second biological characteristic value and accounts information; Accounts information at least comprises account and/or password.Wherein, the the second biological characteristic value comprised in the user profile prestored can be user that accounts information is corresponding at the sales counter of handling the trust authority that NFC pays, such as bank counter, while handling the business of opening the NFC payment, by trust authority, above-mentioned user's biological characteristic is gathered to extract and obtain, above-mentioned trust authority can write the second biological characteristic value and accounts information in mobile terminal as user profile, play a part authentication and checking in the NFC payment process in view of above-mentioned information, after once user profile writes mobile terminal, can not be carried out random reading by other reading device or equipment, only limit to the department of trust authority or trust authority mandate or user profile that equipment can write mobile terminal and the operation such as read, with the security that guarantees that NFC pays.
Step 14: mobile terminal sends authentication success and responds to first terminal;
This step comprises: mobile terminal sends authentication success by NFC and responds to first terminal.
This step is the authentication that the legitimacy of holding mobile terminal and utilize mobile terminal to carry out the user of NFC payment is carried out, adopt that the biological character for identity authentication of live body of the present invention avoided finger print identifying to exist by counterfeit danger, further improved the security that NFC pays.
Step 15: first terminal and first server and mobile terminal carry out alternately, complete NFC and pay, and perform step afterwards 18;
This step comprises: step 151, and first terminal responds according to authentication success, transaction data and the accounts information that reads from mobile terminal is prepared to data as transaction and be sent to first server; Step 152, first server is carried out delivery operation according to the transaction data received and accounts information, generates the transaction script and is sent to first terminal; Step 153, the first terminal script of concluding the business is sent to mobile terminal; Step 154, mobile terminal carries out external authentication, and, authenticating by rear execution transaction script, completes NFC and pay.
It is because first terminal is the terminal of trust authority approval that the first terminal of mentioning in step 151 can read the accounts information comprised the user profile prestored from mobile terminal, in other words the legal believable terminal that first terminal was authenticated by first server, so first terminal can read the accounts information comprised the user profile prestored from mobile terminal; The transaction data of mentioning in step 151 is in step 10 transaction data of the input that first terminal receives.
The data that the fund that the transaction script of mentioning in step 152 is first server corresponding account according to the accounts information of this NFC payment of correspondence of transaction data and accounts information generation is upgraded, so that the fund that mobile terminal is carried out the account in its accounts information prestored according to this transaction script is upgraded operation, further make the fund information of the same account in first server and mobile terminal synchronous.
In step 154, mobile terminal carries out external authentication and comprises: whether account and/or the password of mobile terminal checking input be consistent with the user profile prestored, if consistent, external authentication is passed through, if inconsistent, NFC pays unsuccessfully.
In step 154, mobile terminal execution transaction script comprises: the fund in the account account packets of information contained according to the transaction script is upgraded, so that the fund in the account comprised with accounts information in first server is synchronizeed.
Step 16: mobile terminal judges whether to arrive default number of times, if so, performs step 17, otherwise performs step 12;
This step is compared in inconsistent situation and is carried out at the First Eigenvalue and Second Eigenvalue, and the NFC that can avoid user's maloperation to cause by the setting of default number of times pays unsuccessful situation and occurs; Wherein, the factors such as mortality that default number of times can consider security and physical characteristics collecting are arranged, such as being arranged to 3 times or 5 times.
Step 17: mobile terminal sends authentication failure response to first terminal, performs step afterwards 18;
In this step, mobile terminal sends authentication failure response to first terminal, so that first terminal finishes this NFC delivery operation.
Step 18: finish.
In the above embodiment of the present invention, step 16 and step 17 are optional step,, when step 13 comparison is inconsistent, can directly finish NFC and pay, or mobile terminal sends authentication failure response to first terminal.
In above-mentioned preferred embodiment of the present invention, information in first terminal output display NFC payment process, such as the first information and the second information, by mobile terminal, the living body biological feature is gathered and authenticated, such as vein pattern, iris feature etc., avoided like this finger print identifying to exist by counterfeit and password stolen danger, further improved the security that NFC pays.
The process flow diagram that Fig. 2 is NFC method of payment embodiment bis-of the present invention.Now in conjunction with Fig. 2, the embodiment bis-of NFC method of payment of the present invention is described, specific as follows:
What NFC method of payment embodiment bis-of the present invention was different from embodiment mono-is to show the first information by first terminal, by mobile terminal, shows the second information, by mobile terminal, biological characteristic is gathered and authenticates, and other guide is identical with embodiment mono-.
Step 20: first terminal carries out initialization according to external command to the NFC payment of mobile terminal;
This step comprises: step 201, and first terminal receives transaction data and the NFC trading instruction of input, exports the second information; Step 202, mobile terminal receives the radiofrequency signal paid in order to activate NFC from first terminal; Step 203, mobile terminal is used to carry out initialization from the initialization data of first terminal, and sends initialization complete and respond to first terminal after initialization completes.
The information of the second information in step 201 in order to prompting, carrying out the NFC payment, particularly, exportable demonstration the second information of first terminal; First terminal in step 201 is POS terminal, card reader or card reader.
Transaction data and NFC trading instruction that in step 201, first terminal receives can derive from the owner who holds first terminal, also can derive from the first server of first terminal being carried out to the legitimacy authentication; Wherein, first server can, for bank server or for the third-party server through the legitimacy authentication, no longer illustrate the kind of third-party server at this one by one; Transaction data at least comprises the amount of money and account; The NFC trading instruction can trigger for input the NFC trading instruction generated during transaction data, also can confirm that button triggers the NFC trading instruction generated for pressing after the input transaction data.
The radiofrequency signal in order to activate the NFC payment of the first terminal of mentioning in step 202 is that first terminal activates according to being exclusively used in of Preset Time gap periods transmission the radiofrequency signal that NFC pays, once mobile terminal in the NFC of first terminal effective range, just can receive the radiofrequency signal that is exclusively used in activation NFC payment that first terminal periodically sends.
In step 203, mobile terminal is used to carry out in initialized step from the initialization data of first terminal, after the NFC of mobile terminal pays and is activated, mobile terminal just can receive the initialization data from first terminal by NFC, first terminal only can complete a NFC and pay within a period of time, in other words, after first terminal carries out initialization to a mobile terminal and after completing corresponding NFC payment, just can re-start initialization to mobile terminal and complete this another NFC payment for to another NFC, paying relevant flow process.
The initialization data of mentioning in step 203 can be: to select NFC to pay data that application is relevant, data that initialization NFC pays application, read NFC and pay data that application is relevant etc., particular content can pay the standard of communication referring to the NFC stipulated in the contactless payment standards such as JR/T0025.11, JR/T0025.12 or JR/T0025.14, at this, no longer concrete content is elaborated.
Step 21: the mobile terminal output display first information;
The first information in step 211 carries out biological characteristic authentication in order to prompting.
It should be noted that, mobile terminal can send initialization after step 20 initialization completes complete response in the output display first information, or after sending initialization to complete response the output display first information.
Step 22: mobile terminal gathers biological characteristic and obtains the first biological characteristic value;
This step comprises: step 221, and mobile terminal is gathered user's biological characteristic, obtains biometric image; Step 222, mobile terminal carries out the image processing to biometric image, extracts the first biological characteristic value.
In step 221, the image acquisition element that mobile terminal can call its installing is gathered user's biological characteristic, obtains biometric image.
In step 222, mobile terminal can adopt such as: the image processing techniquess such as filtering, gray processing, normalization, image sharpening, binaryzation, feature extraction and feature derivation are processed the biometric image collected, and extract the first biological characteristic value from biometric image.
Step 23: mobile terminal is compared the first biological characteristic value and the user profile prestored, if comparison is consistent, performs step 24, otherwise performs step 26;
This step comprises: mobile terminal is compared the second biological characteristic value comprised in the first biological characteristic value and the user profile that prestores, if comparison is consistent, performs step 24, otherwise performs step 26.
The user profile of mentioning in this step at least comprises the second biological characteristic value and accounts information; Accounts information at least comprises account and/or password.Wherein, the the second biological characteristic value comprised in the user profile prestored can be user that accounts information is corresponding at the sales counter of handling the trust authority that NFC pays, such as bank counter, while handling the business of opening the NFC payment, by trust authority, above-mentioned user's biological characteristic is gathered to extract and obtain, above-mentioned trust authority can write the second biological characteristic value and accounts information in mobile terminal as user profile, play a part authentication and checking in the NFC payment process in view of above-mentioned information, after once user profile writes mobile terminal, can not be carried out random reading by other reading device or equipment, only limit to the department of trust authority or trust authority mandate or user profile that equipment can write mobile terminal and the operation such as read, with the security that guarantees that NFC pays.
Step 24: mobile terminal sends authentication success and responds to first terminal;
This step comprises: mobile terminal sends authentication success by NFC and responds to first terminal.
This step is the authentication that the legitimacy of holding mobile terminal and utilize mobile terminal to carry out the user of NFC payment is carried out, adopt that living body biological feature of the present invention carries out that authentication avoided finger print identifying to exist by counterfeit and password stolen danger, further improved the security that NFC pays.
Step 25: first terminal and first server and mobile terminal carry out alternately, complete NFC and pay, and perform step afterwards 28;
This step comprises: step 251, and first terminal responds according to authentication success, transaction data and the accounts information that reads from mobile terminal is prepared to data as transaction and be sent to first server; Step 252, first server is carried out delivery operation according to the transaction data received and accounts information, generates the transaction script and is sent to first terminal; Step 253, the first terminal script of concluding the business is sent to mobile terminal; Step 254, mobile terminal carries out external authentication, and, authenticating by rear execution transaction script, completes NFC and pay.
It is because first terminal is the terminal of trust authority approval that the first terminal of mentioning in step 251 can read the accounts information comprised the user profile prestored from mobile terminal, in other words the legal believable terminal that first terminal was authenticated by first server, so first terminal can read the accounts information comprised the user profile prestored from mobile terminal; The transaction data of mentioning in step 251 is in step 20 transaction data of the input that first terminal receives.
The data that the fund that the transaction script of mentioning in step 252 is first server corresponding account according to the accounts information of this NFC payment of correspondence of transaction data and accounts information generation is upgraded, so that the fund that mobile terminal is carried out the account in its accounts information prestored according to this transaction script is upgraded operation, further make the fund information of the same account in first server and mobile terminal synchronous.
In step 254, mobile terminal carries out external authentication and comprises: whether account and/or the password of mobile terminal checking input be consistent with the user profile prestored, if consistent, external authentication is passed through, if inconsistent, NFC pays unsuccessfully.
In step 254, mobile terminal execution transaction script comprises: the fund in the account account packets of information contained according to the transaction script is upgraded, so that the fund in the account comprised with accounts information in first server is synchronizeed.
Step 26: mobile terminal judges whether to arrive default number of times, if so, performs step 27, otherwise performs step 22;
This step is compared in inconsistent situation and is carried out at the First Eigenvalue and Second Eigenvalue, and the NFC that can avoid user's maloperation to cause by the setting of default number of times pays unsuccessful situation and occurs; Wherein, the factors such as mortality that default number of times can consider security and physical characteristics collecting are arranged, such as being arranged to 3 times or 5 times.
Step 27: mobile terminal sends authentication failure response to first terminal, performs step afterwards 28;
In this step, mobile terminal sends authentication failure response to first terminal, so that first terminal finishes this NFC delivery operation.
Step 28: finish.
In the above embodiment of the present invention, step 26 and step 27 are optional step,, when step 23 comparison is inconsistent, can directly finish NFC and pay, or mobile terminal sends authentication failure response to first terminal.
In above-mentioned preferred embodiment of the present invention, information in first terminal and mobile terminal output display NFC payment process, such as mobile terminal shows the first information, first terminal shows the second information, by mobile terminal, biological characteristic is gathered and authenticated, such as vein pattern, iris feature etc., avoided like this finger print identifying to exist by counterfeit danger, further improved the security that NFC pays.
The structural representation that Fig. 3 is NFC payment mechanism embodiment mono-of the present invention.Now in conjunction with Fig. 3, the structure of NFC payment mechanism embodiment mono-of the present invention is described, specific as follows:
NFC payment mechanism of the present invention can be installed in mobile terminal, comprising: NFC antenna 30, NFC communication module 31, NFC pay logic module 32 and biological characteristic authentication module 33.
NFC communication module 31 connects NFC antenna 30 and NFC pays logic module 32, pays the communication of 32 of logic modules in order to complete first terminal and NFC.Wherein, after NFC communication module 31 is first activated by the radiofrequency signal of first terminal, just complete first terminal and pay communicating by letter of 32 of logic modules with NFC, particularly, the radiofrequency signal from first terminal that 31 pairs of NFC communication modules receive is resolved, the data that resolve to obtain and/or information are sent to NFC and pay logic module 32, NFC communication module 31 will pay the data of logic module 32 and/or information from NFC and be compiled into radiofrequency signal and be sent to first terminal.Wherein, NFC communication module 31 can pay the standard of communication according to the NFC stipulated in the contactless payment standards such as JR/T0025.11, JR/T0025.12 or JR/T0025.14, by NFC antenna 30 and first terminal, undertaken alternately.
NFC pays logic module 32 by the first terminal initialization, and the output first information also triggers biological characteristic authentication module 33; NFC pays the logic module 32 first biological characteristic value that will receive and the user profile prestored and compares, and when comparison is consistent, send authentication success by NFC communication module 31 and NFC antenna 30 and respond to first terminal, complete NFC and pay under the control of first terminal.Wherein, NFC pays logic module 33 can adopt existing NFC payment flow, also can adopt the NFC payment flow of stipulating in the contactless payment standards such as JR/T0025.12 or JR/T0025.14, realize mutual with first terminal by NFC communication module 31 and NFC antenna 30, by above-mentioned, carry out alternately the NFC payment; The first information carries out biological characteristic authentication in order to prompting.
The image acquisition element collection biological characteristic that biological characteristic authentication module 33 is called mobile terminal obtains the first biological characteristic value, exports the first biological characteristic value to NFC and pays logic module 32.
Cause the collection failure of biological characteristic for fear of user's maloperation, NFC pays logic module 32 also when comparison is inconsistent, judge whether to reach preset times, if, by NFC communication module 31 and NFC antenna 30, send authentication failure response to first terminal, otherwise continue to trigger biological characteristic authentication module 33, gather biological attribute data.
Wherein, NFC communication module 31 comprises: first module 311 and second unit 312.
The radiofrequency signal that 312 pairs of first modules 311 of second unit receive is processed, and obtains initialization data and export NFC to pay logic module 32; Second unit 312, after NFC payment logic module 32 completes initialization, completes and responds to first terminal by the 30 transmission initialization of NFC antenna.
Wherein, NFC payment logic module 32 comprises: the 3rd unit 321, the 4th unit 322 and the 5th unit 323.
The initialization data that the 3rd unit 321 receives from first terminal by NFC antenna 30 and NFC communication module 31, utilize initialization data to carry out initialization, the output initialization completes and responds to NFC communication module 31, and the output first information also triggers biological characteristic authentication module 33.Wherein, the display element that the 3rd unit 321 can directly export the first information to mobile terminal is shown, or is exported the first information to first terminal, by the first terminal output display first information by NFC antenna 30 and NFC communication module 31.
The second biological characteristic value that in the first biological characteristic value that the 4th unit 322 will receive and the 5th unit 323, the user profile of storage comprises is compared, and, when comparison is consistent, sends authentication success by NFC communication module 31 and NFC antenna 30 and respond to first terminal.
The 4th unit 322 is by NFC communication module 31 and NFC antenna 30, reception is from the transaction script of first terminal, when the accounts information that the user profile of storing with the 5th unit 323 at account and/or the password of checking input comprises is consistent, completes NFC according to the transaction script and pay.
The 5th unit 323 storing subscriber information.Wherein, user profile at least comprises accounts information and the second biological characteristic value; Accounts information at least comprises account and password.
Preferably, in the 4th unit 322 comparison when inconsistent, can judge and whether reach default number of times, if reach default number of times, can directly by NFC antenna 30 and NFC communication module 31, send authentication failure response to first terminal, if do not reach default number of times, exportable one message or the instruction of notifying the 3rd unit 321 to trigger biological characteristic authentication module 33, make biological characteristic authentication module 33 continue the collection of biological characteristic.
Wherein, biological characteristic authentication module 33 comprises: image acquisition units 331 and graphics processing unit 332.
332 pairs of biometric images that receive of graphics processing unit carry out image processing and feature extraction successively, obtain the first biological characteristic value and export NFC to pay logic module 31.
In above-mentioned preferred embodiment of the present invention, information in first terminal and mobile terminal output display NFC payment process, such as mobile terminal shows the first information, first terminal shows the second information, perhaps first terminal shows the first information and the second information, by mobile terminal, biological characteristic is gathered and authenticates, such as vein pattern, iris feature etc., avoided like this finger print identifying to exist by counterfeit danger, further improved the security that NFC pays.
The structural representation that Fig. 4 is NFC payment system of the present invention.Now in conjunction with Fig. 4, the structure of NFC payment system of the present invention is described, specific as follows:
NFC payment system of the present invention comprises: mobile terminal 41, first server 43 and complete alternately the first terminal 42 that NFC pays with mobile terminal 41 and first server 43.Wherein, first server 43 is bank server or third-party server; Mobile terminal 41 is equiped with the NFC payment mechanism shown in Fig. 3, no longer the concrete structure of NFC payment mechanism is repeated in the following embodiments.
First terminal 42 also, before initialization mobile terminal 41, receives transaction data and the NFC trading instruction of input, exports the second information and sends the radiofrequency signal paid in order to activate NFC.Wherein, the second information is carried out the NFC payment in order to prompting.
Preferably, first terminal 42 also can receive from the first information of mobile terminal 41 and it is shown.
In addition, first terminal 42 is also according to the authentication success response received, transaction data and the accounts information that reads from mobile terminal 41 are prepared to data as transaction and be sent to first server 43, receive the transaction script from first server 43, and be sent to mobile terminal 41.
In above-mentioned preferred embodiment of the present invention, information in first terminal and mobile terminal output display NFC payment process, such as mobile terminal shows the first information, first terminal shows the second information, perhaps first terminal shows the first information and the second information, by mobile terminal, biological characteristic is gathered and authenticated, such as vein pattern, iris feature etc., just carry out by rear the flow process that follow-up NFC pays at biological characteristic authentication, avoided like this finger print identifying to exist by counterfeit danger and the stolen danger of password, further improved the security that NFC pays.
In process flow diagram or any process of otherwise describing at this or method describe and can be understood to, mean to comprise one or more module, fragment or part for the code of the executable instruction of the step that realizes specific logical function or process, and the scope of the preferred embodiment of the present invention comprises other realization, wherein can be not according to order shown or that discuss, comprise according to related function by the mode of basic while or by contrary order, carry out function, this should be understood by the embodiments of the invention person of ordinary skill in the field.
Should be appreciated that each several part of the present invention can realize with hardware, software, firmware or their combination.In the above-described embodiment, a plurality of steps or method can realize with being stored in storer and by software or the firmware of suitable instruction execution system execution.For example, if realize with hardware, the same in another embodiment, can realize by any one in following technology well known in the art or their combination: have for data-signal being realized to the discrete logic of the logic gates of logic function, special IC with suitable combinational logic gate circuit, programmable gate array (PGA), field programmable gate array (FPGA) etc.
Those skilled in the art are appreciated that and realize that all or part of step that above-described embodiment method is carried is to come the hardware that instruction is relevant to complete by program, described program can be stored in a kind of computer-readable recording medium, this program, when carrying out, comprises step of embodiment of the method one or a combination set of.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing module, can be also that the independent physics of unit exists, and also can be integrated in a module two or more unit.Above-mentioned integrated module both can adopt the form of hardware to realize, also can adopt the form of software function module to realize.If described integrated module usings that the form of software function module realizes and during as production marketing independently or use, also can be stored in a computer read/write memory medium.
The above-mentioned storage medium of mentioning can be ROM (read-only memory), disk or CD etc.
In the description of this instructions, the description of reference term " embodiment ", " some embodiment ", " example ", " concrete example " or " some examples " etc. means to be contained at least one embodiment of the present invention or example in conjunction with specific features, structure, material or the characteristics of this embodiment or example description.In this manual, the schematic statement of above-mentioned term not necessarily referred to identical embodiment or example.And the specific features of description, structure, material or characteristics can be with suitable mode combinations in any one or more embodiment or example.
Although the above has illustrated and has described embodiments of the invention, be understandable that, above-described embodiment is exemplary, can not be interpreted as limitation of the present invention, those of ordinary skill in the art is not in the situation that break away from principle of the present invention and aim can be changed above-described embodiment within the scope of the invention, modification, replacement and modification.Scope of the present invention is by claims and be equal to and limit.
Claims (13)
1. a NFC method of payment, is characterized in that, the method comprises:
A, first terminal receive external command;
B, described first terminal receive transaction data and the NFC trading instruction of input according to external command, export the second information; Described the second information is carried out the NFC payment in order to prompting;
C, mobile terminal receive the radiofrequency signal paid in order to activate NFC from described first terminal;
D, described mobile terminal are used to carry out initialization from the initialization data of described first terminal, and the transmission initialization completes response to described first terminal after initialization completes;
E, the described mobile terminal output first information; The described first information carries out biological characteristic authentication in order to prompting;
F, described mobile terminal are gathered user's biological characteristic, obtain biometric image; Described biological characteristic is: vein pattern or iris feature;
G, described mobile terminal carry out the image processing to biometric image, extract the first biological characteristic value;
H, described mobile terminal are compared described the first biological characteristic value and the second biological characteristic value that the user profile prestored comprises, and, when comparison is consistent, send the authentication success response to described first terminal;
I, described first terminal and first server and described mobile terminal carry out alternately, complete NFC and pay;
Described first terminal is POS terminal, card reader or card reader; Described first server is bank server or third-party server.
2. method according to claim 1, is characterized in that, described step B comprises:
The described mobile terminal output first information, to described first terminal, shows the described first information by described first terminal; Perhaps
The direct output display first information of described mobile terminal.
3. method according to claim 1, is characterized in that, described step H also comprises:
When comparison is inconsistent, judge whether to reach preset times, if so, send authentication failure response to described first terminal, otherwise execution step F.
4. method according to claim 1, is characterized in that, described step I comprises:
I1, described first terminal respond according to authentication success, transaction data and the accounts information that reads from described mobile terminal are prepared to data as transaction and be sent to described first server;
I2, described first server are carried out delivery operation according to the transaction data received and accounts information, generate the transaction script and are sent to described first terminal;
I3, described first terminal are sent to described mobile terminal by described transaction script;
I4, described mobile terminal carry out external authentication, and are authenticating by the described transaction script of rear execution, complete NFC and pay.
5. method according to claim 4, is characterized in that, the described mobile terminal of step I4 carries out external authentication and comprises:
Whether account and/or the password of described mobile terminal checking input be consistent with the user profile prestored, if consistent, external authentication is passed through.
6. a NFC payment mechanism, is characterized in that, this device comprises:
The NFC antenna, the transmitting-receiving radiofrequency signal;
The NFC communication module, connect described NFC antenna and NFC and pay logic module, in order to complete first terminal and NFC, pays the communication between logic module;
Described NFC communication module comprises:
First module, detect and whether receive the radiofrequency signal that first terminal sends, and if so, is activated and triggers second unit, otherwise continuing to detect;
Second unit, the radiofrequency signal that first module is received is processed, and obtains initialization data and export described NFC to pay logic module; Described second unit sends initialization by described NFC antenna and completes response to described first terminal;
The accounts information that described second unit sends the authentication success response by described NFC antenna and the user profile that prestores comprises is to described first terminal;
Described second unit will export from the transaction script of described first terminal described NFC to and pay logic module;
NFC pays logic module, and by described first terminal initialization, the output first information also triggers the biological characteristic authentication module; Described NFC pays the logic module first biological characteristic value that will receive and the user profile prestored and compares, and when comparison is consistent, send the authentication success response to described first terminal by described NFC communication module and described NFC antenna, complete NFC and pay under the control of described first terminal;
The biological characteristic authentication module, the image acquisition element of calling mobile terminal gathers biological characteristic and obtains the first biological characteristic value, exports described the first biological characteristic value to described NFC and pays logic module;
Described biological characteristic authentication module comprises:
Image acquisition units, call the image acquisition element of mobile terminal and gather and obtain biometric image, and the output biometric image is to graphics processing unit;
Graphics processing unit, carry out image processing and feature extraction successively to the biometric image received, and obtains the first biological characteristic value and export described NFC to pay logic module;
The described first information carries out biological characteristic authentication in order to prompting; Described first terminal is POS terminal, card reader or card reader; Described biological characteristic is: vein pattern or iris feature.
7. device according to claim 6, it is characterized in that, described NFC pays logic module also when comparison is inconsistent, judge whether to reach preset times, if, by described NFC communication module and described NFC antenna, send authentication failure response to described first terminal, otherwise continue to trigger the biological characteristic authentication module, gather biological attribute data.
8. according to the described device of claim 6 or 7, it is characterized in that, described NFC pays logic module and comprises:
Unit the 3rd, receive the initialization data from described first terminal by described NFC antenna and described NFC communication module, utilize initialization data to carry out initialization, the output initialization completes response to described NFC communication module, and the output first information also triggers described biological characteristic authentication module;
Unit the 4th, the second biological characteristic value that the user profile of storing in described the first biological characteristic value of receiving and Unit the 5th is comprised is compared, and, when comparison is consistent, by described NFC communication module and described NFC antenna, send the authentication success response to described first terminal;
Described Unit the 4th is by described NFC communication module and described NFC antenna, reception is from the transaction script of described first terminal, when the accounts information that the user profile of storing with Unit the 5th at account and/or the password of checking input comprises is consistent, completes NFC according to the transaction script and pay;
Unit the 5th, storing subscriber information; Described user profile at least comprises accounts information and the second biological characteristic value; Described accounts information at least comprises account and password.
9. a mobile terminal, is characterized in that, this mobile terminal is equiped with aforementioned claim 6 to the described NFC payment mechanism of claim 8 any one.
10. a NFC payment system, is characterized in that, this system comprises: aforementioned mobile terminal claimed in claim 9, first server and complete alternately the first terminal that NFC pays with described mobile terminal and described first server;
Described first server is bank server or third-party server.
11. system according to claim 10, is characterized in that, described first terminal also, before the described mobile terminal of initialization, receives transaction data and the NFC trading instruction of input, exports the second information and sends the radiofrequency signal paid in order to activate NFC; Described the second information is carried out the NFC payment in order to prompting.
12. system according to claim 10, is characterized in that, the described mobile terminal output display first information; Perhaps
Described mobile terminal is also exported the first information to described first terminal, by described first terminal, shows the described first information.
13. system according to claim 10, it is characterized in that, described first terminal is also according to the authentication success response received, transaction data and the accounts information that reads from described mobile terminal are prepared to data as transaction and be sent to described first server, reception is from the transaction script of described first server, and is sent to described mobile terminal.
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