CN104408620A - Safe NFC (near field communication) payment method and safe NFC payment system - Google Patents
Safe NFC (near field communication) payment method and safe NFC payment system Download PDFInfo
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- CN104408620A CN104408620A CN201410640133.5A CN201410640133A CN104408620A CN 104408620 A CN104408620 A CN 104408620A CN 201410640133 A CN201410640133 A CN 201410640133A CN 104408620 A CN104408620 A CN 104408620A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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Abstract
The invention discloses a safe NFC (near field communication) payment method and a safe NFC payment system. The safe NFC payment method comprises the following steps of: setting a video identification code marker supported with a first payment key on the surface of a NFC payment card, storing a second payment key in a NFC module in the NFC payment card; identifying by utilizing the first payment key and the second payment key while performing payment; and ensuring that card swiping equipment reads and identifies the video identification code marker on the surface of the NFC card in a scanning or photographing mode to interact with the NFC payment card and complete the payment process only when a user gets out the NFC payment card and aligns the NFC payment card to the card swiping equipment. And therefore, the NFC card in a wallet or a pocket is effectively prevented from being stolen and swiped, and therefore, the safety NFC payment method has relatively good safety.
Description
Technical field
The present invention relates to near-field communication payment technical field, particularly a kind of safe NFC payment and system.
Background technology
Near-field communication (Near Field Communication is called for short NFC), also known as wireless near field communication, is a kind of short-range high frequency wireless communication technology, is operated in 13.56MHz frequency range.Along with popularizing of the mobile consumption electronic products such as smart mobile phone, the NFC system that energy consumption is low, data rate is fast is widely used in fields such as mobile payment, electronic identity authentication, electronic ticket.Such as, the country such as Germany, Australia, New Zealand all adopts the electronic ticket business system based on NFC in its public transport; The mobile terminal operating system of the main flows such as Android, Windows Mobile also provides the support of NFC function one after another.
Prior art has developed the Payment Card supporting NFC function, to provide payment convenience.But NFC Payment Card also also exists higher stolen brush risk.Tradition, with the Payment Card of magnetic stripe card form carrying data and contact IC Payment Card, when paying, needing taken out by card and swipe the card in a particular manner, could realize the reading of card information and complete payment.And NFC Payment Card is in payment process, as long as the distance of card reader and NFC Payment Card enough near (general about 10cm) just can realize the reading of card internal information, therefore, NFC Payment Card is easily maliciously stolen brush.For this reason, the means of encryption can be adopted in existing payment system to be encrypted storage to the payment relevant sensitization information in nfc card.This safeguard procedures can effectively prevent third party from stealing brush NFC Payment Card, but cannot prevent from supporting that the malice that the businessman of NFC payment carries out the interior fund of card steals brush, especially do not need for small amount payment etc. the situation inputting password, and the NFC Payment Card payment scenarios of payment cipher is not set.Because businessman holds the swiping card equipment be decrypted NFC Payment Card internal information, as long as carry the nearby scanning of this equipment at card, just can be easy to realize stealing brush.
Summary of the invention
In view of this, fundamental purpose of the present invention is to provide a kind of safe NFC payment and system, effectively prevents the stolen brush of NFC Payment Card.
For achieving the above object, the invention provides a kind of safe NFC payment, comprising:
Step 1: NFC Payment Card is provided, described NFC Payment Card comprises the video identification code label being arranged at described NFC Payment Card surface and the NFC module be arranged in described NFC Payment Card; Described video identification code label carries the first payment key, stores the second payment key in described NFC module;
Step 2: swiping card equipment reads and identifies described video identification code label, to obtain the first payment key;
Step 3: swiping card equipment sends payment data to the NFC module of described nfc card;
Step 4:NFC module adopts the authentication calculations mode preset, and utilizes described second to pay double secret key payment data and carries out authentication calculations, to obtain the first authentication information, and the first authentication information is sent to described swiping card equipment;
Step 5: swiping card equipment adopts the authentication calculations mode preset, utilizes described first to pay double secret key payment data and carries out authentication calculations, to obtain the second authentication information;
Step 6: the payment request comprising the first authentication information, the second authentication information and payment data is sent to settlement device by swiping card equipment;
Step 7: described settlement device verifies described payment request, after verification succeeds, completes payment.
Further, described video identification code also carries the first communication key, also stores second communication key in described NFC module;
In step 2, also comprise swiping card equipment read and identify described video identification code label, to obtain the first communication key;
In step 3, swiping card equipment utilizes described first communication key to be encrypted described payment data, described payment data ciphertext is sent to the NFC module of described nfc card;
In step 4, NFC module utilizes payment data ciphertext described in described second communication secret key decryption, to obtain payment data expressly, then default authentication calculations mode is adopted, utilize described second to pay payment data described in double secret key and expressly carry out authentication calculations, to obtain the first authentication information, and utilize the first authentication information described in described second communication secret key encryption, the ciphertext of described first authentication information is sent to described swiping card equipment;
In steps of 5, swiping card equipment utilizes the ciphertext of described first authentication information of described first communication key deciphering, to obtain the plaintext of the first authentication information.
Further, in described step 6, swiping card equipment forms the 3rd authentication information after the first authentication information and the second authentication information being integrated, and described 3rd authentication information and payment data are sent to settlement device;
In described step 7, described settlement device utilizes the payment data in the authenticate key and described payment request prestored to carry out corresponding verification according to the authentication check account form preset, and after verification succeeds, completes payment according to payment data; Described authenticate key is pay key and second to pay with first one or two key that key pair uses.
Further, described default authentication calculations mode is computations, signature calculation, Hash operation message authentication code HMAC calculate in one, described authentication check account form is the deciphering calculating corresponding with authentication calculations mode, signature verification calculating, Hash operation message authentication code calculate in one or both.
Further, described payment data comprises payer identity information, product list, payment and time of payment.
Further, described video identification code label is one or more the combination in one-dimension code, Quick Response Code, picture.
Present invention also offers a kind of safe NFC payment system, comprise NFC Payment Card, swiping card equipment and settlement device;
Described NFC Payment Card comprises the video identification code label being arranged at described NFC Payment Card surface and the NFC module be arranged in described NFC Payment Card; Described video identification code label carries the first payment key, stores the second payment key in described NFC module; Described NFC module, for adopting default authentication calculations mode, utilizes the second payment double secret key payment data to carry out authentication calculations, to obtain the first authentication information, and the first authentication information is sent to described swiping card equipment;
Described swiping card equipment comprises video identification module, NFC module for reading and writing, authentication calculations module and pays request module; Wherein, described video identification module is used for reading and identifying described video identification code label; Described NFC module for reading and writing is used for sending payment data to described NFC module, and receives described first authentication information; Described authentication calculations module, for adopting default authentication calculations mode, utilizes described second to pay double secret key payment data and carries out authentication calculations, to obtain the second authentication information; Described payment request module comprises the payment request of the first authentication information, the second authentication information and payment data for generating, and payment request is sent to settlement device;
Described settlement device comprises correction verification module and payment module; Described correction verification module is used for verifying described payment request; Described payment module is used for completing payment after described correction verification module verification succeeds.
Further, described video identification code also carries the first communication key, also stores second communication key in described NFC module;
Described video identification module is also for reading and identifying described video identification code label, to obtain the first communication key;
Described NFC module for reading and writing is used for utilizing described first communication key to be encrypted described payment data, described payment data ciphertext is sent to the NFC module of described nfc card;
Described NFC module is used for utilizing payment data ciphertext described in described second communication secret key decryption, to obtain payment data expressly, then default authentication calculations mode is adopted, utilize described second to pay payment data described in double secret key and carry out authentication calculations, to obtain the first authentication information, and utilize the first authentication information described in described second communication secret key encryption, the ciphertext of described first authentication information is sent to described swiping card equipment;
Described NFC module for reading and writing deciphers the ciphertext of described first authentication information, to obtain the plaintext of the first authentication information for utilizing described first communication key.
Further, described payment request module is further used for the first authentication information and the second authentication information to integrate rear formation the 3rd authentication information, and described 3rd authentication information and payment data are sent to settlement device;
Described correction verification module is further used for prestoring authenticate key, and utilizes the payment data in authenticate key and described payment request to carry out corresponding verification according to the authentication check account form preset; Described authenticate key is pay key and second to pay with first one or two key that key pair uses.
Further, described authentication calculations is computations, signature calculation, Hash operation message authentication code calculate in one, described authentication check account form is the deciphering calculating corresponding with authentication calculations mode, signature verification calculating, Hash operation message authentication code calculate in one or both.
Further, described payment data comprises payer identity information, product list, payment and time of payment.
Further, described video identification code label is one or more the combination in one-dimension code, Quick Response Code, picture.
The invention provides a kind of safe NFC payment, comprising:
Step 1: NFC Payment Card is provided, described NFC Payment Card comprises the video identification code label being arranged at described NFC Payment Card surface and the NFC module be arranged in described NFC Payment Card; Described video identification code label carries the first payment key, stores the second payment key in described NFC module;
Step 2: swiping card equipment reads and identifies described video identification code label, to obtain the first payment key;
Step 3: swiping card equipment sends payment data to the NFC module of described nfc card;
Step 4:NFC module adopts the first authentication calculations mode preset, and utilizes described second to pay double secret key payment data and carries out authentication calculations, to obtain the first authentication information, and the first authentication information is sent to described swiping card equipment;
Step 5: swiping card equipment adopts the second authentication calculations mode preset, utilizes described first to pay the first authentication information described in double secret key and carries out authentication calculations, to obtain the second authentication information;
Step 6: the payment request comprising the second authentication information and payment data is sent to settlement device by swiping card equipment;
Step 7: described settlement device verifies described payment request, after verification succeeds, completes payment.
Further, described video identification code also carries the first communication key, also stores second communication key in described NFC module;
In step 2, also comprise swiping card equipment read and identify described video identification code label, to obtain the first communication key;
In step 3, swiping card equipment utilizes described first communication key to be encrypted described payment data, described payment data ciphertext is sent to the NFC module of described nfc card;
In step 4, NFC module utilizes payment data ciphertext described in described second communication secret key decryption, to obtain payment data expressly, then the first default authentication calculations mode is adopted, utilize described second to pay payment data described in double secret key and expressly carry out authentication calculations, to obtain the first authentication information, and utilize the first authentication information described in described second communication secret key encryption, the ciphertext of described first authentication information is sent to described swiping card equipment;
In steps of 5, swiping card equipment utilizes the ciphertext of described first authentication information of described first communication key deciphering, to obtain the plaintext of the first authentication information.
Further, in described step 7, described settlement device utilizes the payment data in the authenticate key and described payment request prestored to carry out corresponding verification according to the authentication check account form preset, and after verification succeeds, completes payment according to payment data; Described authenticate key is pay key and second to pay with first one or two key that key pair uses.
Further, described the first default authentication calculations mode and the second authentication calculations mode preset are computations, signature calculation, Hash operation message authentication code calculate in one, described authentication check account form is the deciphering calculating corresponding with the first authentication calculations mode and the second authentication calculations mode, signature verification calculating, Hash operation message authentication code calculate in one or both.
Further, described payment data comprises payer identity information, product list, payment and time of payment.
Further, described video identification code label is one or more the combination in one-dimension code, Quick Response Code, picture.
Present invention also offers a kind of safe NFC payment system, comprise NFC Payment Card, swiping card equipment and settlement device;
Described NFC Payment Card comprises the video identification code label being arranged at described NFC Payment Card surface and the NFC module be arranged in described NFC Payment Card; Described video identification code label carries the first payment key, stores the second payment key in described NFC module; Described NFC module, for adopting the first default authentication calculations mode, utilizes the second payment double secret key payment data to carry out authentication calculations, to obtain the first authentication information, and the first authentication information is sent to described swiping card equipment;
Described swiping card equipment comprises video identification module, NFC module for reading and writing, authentication calculations module and pays request module; Wherein, described video identification module is used for reading and identifying described video identification code label; Described NFC module for reading and writing is used for sending payment data to described NFC module, and receives described first authentication information; Described authentication calculations module, for adopting the second default authentication calculations mode, utilizes described second to pay the first authentication information described in double secret key and carries out authentication calculations, to obtain the second authentication information; Payment request for generating the payment request comprising the second authentication information and payment data, and is sent to settlement device by described payment request module;
Described settlement device comprises correction verification module and payment module; Described correction verification module is used for verifying described payment request; Described payment module is used for completing payment after described correction verification module verification succeeds.
Further, described video identification code also carries the first communication key, also stores second communication key in described NFC module;
Described video identification module is also for reading and identifying described video identification code label, to obtain the first communication key;
Described NFC module for reading and writing is used for utilizing described first communication key to be encrypted described payment data, described payment data ciphertext is sent to the NFC module of described nfc card;
Described NFC module is used for utilizing payment data ciphertext described in described second communication secret key decryption, to obtain payment data expressly, then the first default authentication calculations mode is adopted, utilize described second to pay payment data described in double secret key and expressly carry out authentication calculations, to obtain the first authentication information, and utilize the first authentication information described in described second communication secret key encryption, the ciphertext of described first authentication information is sent to described swiping card equipment;
Described NFC module for reading and writing deciphers the ciphertext of described first authentication information, to obtain the plaintext of the first authentication information for utilizing described first communication key.
Further, described correction verification module is further used for prestoring authenticate key, and utilizes the payment data in authenticate key and described payment request to carry out corresponding verification according to the authentication check account form preset; Described authenticate key is pay key and second to pay with first one or two key that key pair uses.
Further, described the first default authentication calculations mode and the second authentication calculations mode preset are computations, signature calculation, Hash operation message authentication code calculate in one, described authentication check account form is the deciphering calculating corresponding with the first authentication calculations mode and the second authentication calculations mode, signature verification calculating, Hash operation message authentication code calculate in one or both.
Further, described payment data comprises payer identity information, product list, payment and time of payment.
Further, described video identification code label is one or more the combination in one-dimension code, Quick Response Code, picture.
Adopt a kind of safe NFC payment provided by the invention and system, can guarantee to only have when user takes out NFC Payment Card and aims at swiping card equipment, swiping card equipment reads in the mode scanned or take pictures and identifies that the video identification code label on nfc card surface could carry out mutual with NFC Payment Card and complete payment process.Therefore, effectively can prevent the stolen brush of nfc card be placed in wallet or pocket, there is better security.
Accompanying drawing explanation
Fig. 1 is a kind of embodiment schematic flow sheet of a kind of safe NFC payment of the present invention;
Fig. 2 is the another kind of embodiment schematic flow sheet of a kind of safe NFC payment of the present invention.
Embodiment
In order to make object of the present invention, technical scheme and advantage clearly understand, to develop simultaneously embodiment referring to accompanying drawing, the present invention is described in further detail.
Embodiment one, as shown in Figure 1, a kind of safe NFC payment, comprising:
Step 1: NFC Payment Card is provided, NFC Payment Card comprises the video identification code label being arranged at NFC Payment Card surface and the NFC module be arranged in NFC Payment Card; Video identification code label carries the first payment key, stores the second payment key in NFC module, and first pays key and second pays key in the present embodiment, the payment key that common composition is complete, for carrying out certification to payment data; Further in order to ensure the security of data when communicating, video identification code label also carries the first communication key, second communication key is also stored in NFC module, first communication key and second communication key are used for communication data encryption and decryption, wherein the first communication key and second communication key match, and are such as a pair of identical symmetric key or a pair asymmetrical public and private key pair.In the present embodiment, preferably the first communication key is identical with second communication key, is a pair SM4 symmetric key, and the communication data between NFC Payment Card and swiping card equipment uses SM4 algorithm to be encrypted protection;
Step 2: swiping card equipment reads and identifies video identification code label, to obtain the first payment key; Preferred in the present embodiment, swiping card equipment also obtains the first communication key while obtaining the first payment key;
Step 3: swiping card equipment sends payment data to the NFC module of nfc card; In the present embodiment, the payment data being sent to NFC module sends with the form of ciphertext, and this payment data ciphertext is obtained after being encrypted payment data by the first communication key;
Step 4:NFC module adopts the authentication calculations mode preset, and utilizes the second payment double secret key payment data to carry out authentication calculations, to obtain the first authentication information, and the first authentication information is sent to swiping card equipment; In this step, NFC module receives payment data ciphertext, utilizes this ciphertext of second communication secret key decryption, can obtain payment data expressly; In order to ensure communication safety, after generate the first authentication information, utilize second communication secret key encryption first authentication information, obtaining the ciphertext of the first authentication information, the ciphertext of the first authentication information is sent to swiping card equipment;
Step 5: swiping card equipment receives the first authentication information, adopts the authentication calculations mode preset, utilizes the first payment double secret key payment data to carry out authentication calculations, to obtain the second authentication information; In the present embodiment, after receiving the ciphertext of the first authentication information, the ciphertext utilizing the first communication key to decipher the first authentication information carries out authentication calculations after obtaining the plaintext of the first authentication information;
Step 6: the payment request comprising the first authentication information, the second authentication information and payment data is sent to settlement device by swiping card equipment; In the present embodiment, form the 3rd authentication information after the first authentication information and the second authentication information can being integrated, the 3rd authentication information and payment data are sent to settlement device;
Step 7: settlement device verifies described payment request, after verification succeeds, completes payment; In the present embodiment, settlement device utilizes the payment data in the authenticate key and described payment request prestored to carry out corresponding verification according to the authentication check account form preset, and after verification succeeds, completes payment according to payment data; Described authenticate key is pay key and second to pay with first one or two key that key pair uses.
It should be noted that, above-mentioned default authentication calculations mode can be computations, signature calculation, Hash operation message authentication code (Hash-based Message Authentication Code) calculate, and payment data comprises payer identity information, product list, payment and time of payment; And settlement device is when verifying, the verification that those skilled in the art can be corresponding according to the authentication calculations way selection preset, concrete checking procedure repeats no more.
Based on the method for the present embodiment, present invention also provides a kind of safe NFC payment system, comprise NFC Payment Card, swiping card equipment and settlement device;
Described NFC Payment Card comprises the video identification code label being arranged at described NFC Payment Card surface and the NFC module be arranged in described NFC Payment Card; Described video identification code label carries the first payment key, stores the second payment key in described NFC module; Described NFC module, for adopting default authentication calculations mode, utilizes the second payment double secret key payment data to carry out authentication calculations, to obtain the first authentication information, and the first authentication information is sent to described swiping card equipment;
Described swiping card equipment comprises video identification module, NFC module for reading and writing, authentication calculations module and pays request module; Wherein, described video identification module is used for reading and identifying described video identification code label; Described NFC module for reading and writing is used for sending payment data to described NFC module, and receives described first authentication information; Described authentication calculations module, for adopting default authentication calculations mode, utilizes described second to pay double secret key payment data and carries out authentication calculations, to obtain the second authentication information; Described payment request module comprises the payment request of the first authentication information, the second authentication information and payment data for generating, and payment request is sent to settlement device;
Described settlement device comprises correction verification module and payment module; Described correction verification module is used for verifying described payment request; Described payment module is used for completing payment after described correction verification module verification succeeds.
Further, described video identification code also carries the first communication key, also stores second communication key in described NFC module;
Described video identification module is also for reading and identifying described video identification code label, to obtain the first communication key;
Described NFC module for reading and writing is used for utilizing described first communication key to be encrypted described payment data, described payment data ciphertext is sent to the NFC module of described nfc card;
Described NFC module is used for utilizing payment data ciphertext described in described second communication secret key decryption, to obtain payment data expressly, then default authentication calculations mode is adopted, utilize described second to pay payment data described in double secret key and carry out authentication calculations, to obtain the first authentication information, and utilize the first authentication information described in described second communication secret key encryption, the ciphertext of described first authentication information is sent to described swiping card equipment;
Described NFC module for reading and writing deciphers the ciphertext of described first authentication information, to obtain the plaintext of the first authentication information for utilizing described first communication key.
Further, described payment request module is further used for the first authentication information and the second authentication information to integrate rear formation the 3rd authentication information, and described 3rd authentication information and payment data are sent to settlement device;
Described correction verification module is further used for prestoring authenticate key, and utilizes the payment data in authenticate key and described payment request to carry out corresponding verification according to the authentication check account form preset; Described authenticate key is pay key and second to pay with first one or two key that key pair uses.
Further, described authentication calculations is computations, signature calculation, Hash operation message authentication code calculate in one, described authentication check account form is the deciphering calculating corresponding with authentication calculations mode, signature verification calculating, Hash operation message authentication code calculate in one or both.
Further, described payment data comprises payer identity information, product list, payment and time of payment.
Further, described video identification code label is one or more the combination in one-dimension code, Quick Response Code, picture.
It should be noted that, the function performed by modules in the NFC payment system that the present embodiment provides, those skilled in the art all realize by embedded software, do not repeat them here.
Embodiment two, as shown in Figure 2, a kind of safe NFC payment, comprising:
Step 1: NFC Payment Card is provided, NFC Payment Card comprises the video identification code label being arranged at described NFC Payment Card surface and the NFC module be arranged in described NFC Payment Card; Video identification code label carries the first payment key, stores the second payment key in NFC module; First pays key and second pays key in the present embodiment, the payment key that common composition is complete, for carrying out certification to payment data; Further in order to ensure the security of data when communicating, video identification code label also carries the first communication key, second communication key is also stored in NFC module, first communication key and second communication key are used for communication data encryption and decryption, wherein the first communication key and second communication key match, and are such as a pair of identical symmetric key or a pair asymmetrical public and private key pair.In the present embodiment, preferably the first communication key is identical with second communication key, is a pair SM4 symmetric key, and the communication data between NFC Payment Card and swiping card equipment uses SM4 algorithm to be encrypted protection;
Step 2: swiping card equipment reads and identifies video identification code label, to obtain the first payment key; Preferred in the present embodiment, swiping card equipment also obtains the first communication key while obtaining the first payment key;
Step 3: swiping card equipment sends payment data to the NFC module of nfc card; In the present embodiment, the payment data being sent to NFC module sends with the form of ciphertext, and this payment data ciphertext is obtained after being encrypted payment data by the first communication key;
Step 4:NFC module adopts the first authentication calculations mode preset, and utilizes the second payment double secret key payment data to carry out authentication calculations, to obtain the first authentication information, and the first authentication information is sent to swiping card equipment; In this step, NFC module receives payment data ciphertext, utilizes this ciphertext of second communication secret key decryption, can obtain payment data expressly; In order to ensure communication safety, after generate the first authentication information, utilize second communication secret key encryption first authentication information, obtaining the ciphertext of the first authentication information, the ciphertext of the first authentication information is sent to swiping card equipment;
Step 5: swiping card equipment adopts the second authentication calculations mode preset, and utilizes the first payment double secret key first authentication information to carry out authentication calculations, to obtain the second authentication information; In the present embodiment, after receiving the ciphertext of the first authentication information, the ciphertext utilizing the first communication key to decipher the first authentication information carries out authentication calculations after obtaining the plaintext of the first authentication information;
Step 6: the payment request comprising the second authentication information and payment data is sent to settlement device by swiping card equipment;
Step 7: settlement device verifies described payment request, after verification succeeds, completes payment; In the present embodiment, settlement device utilizes the payment data in the authenticate key of pre-stored and described payment request to carry out corresponding verification according to the authentication check account form preset, and after verification succeeds, completes payment according to payment data; Described authenticate key is pay key and second to pay with first one or two key that key pair uses.
It should be noted that, above-mentioned first, second default authentication calculations can be computations, signature calculation, Hash operation message authentication code (Hash-based Message Authentication Code) calculate, and payment data comprises payer identity information, product list, payment and time of payment.And settlement device is when verifying, the verification that those skilled in the art can be corresponding according to first, second authentication calculations way selection preset, concrete checking procedure repeats no more.
Based on the method for the present embodiment, present invention also provides and present invention also offers a kind of safe NFC payment system, comprise NFC Payment Card, swiping card equipment and settlement device;
Described NFC Payment Card comprises the video identification code label being arranged at described NFC Payment Card surface and the NFC module be arranged in described NFC Payment Card; Described video identification code label carries the first payment key, stores the second payment key in described NFC module; Described NFC module, for adopting the first default authentication calculations mode, utilizes the second payment double secret key payment data to carry out authentication calculations, to obtain the first authentication information, and the first authentication information is sent to described swiping card equipment;
Described swiping card equipment comprises video identification module, NFC module for reading and writing, authentication calculations module and pays request module; Wherein, described video identification module is used for reading and identifying described video identification code label; Described NFC module for reading and writing is used for sending payment data to described NFC module, and receives described first authentication information; Described authentication calculations module, for adopting the second default authentication calculations mode, utilizes described second to pay the first authentication information described in double secret key and carries out authentication calculations, to obtain the second authentication information; Payment request for generating the payment request comprising the second authentication information and payment data, and is sent to settlement device by described payment request module;
Described settlement device comprises correction verification module and payment module; Described correction verification module is used for verifying described payment request; Described payment module is used for completing payment after described correction verification module verification succeeds.
Further, described video identification code also carries the first communication key, also stores second communication key in described NFC module;
Described video identification module is also for reading and identifying described video identification code label, to obtain the first communication key;
Described NFC module for reading and writing is used for utilizing described first communication key to be encrypted described payment data, described payment data ciphertext is sent to the NFC module of described nfc card;
Described NFC module is used for utilizing payment data ciphertext described in described second communication secret key decryption, to obtain payment data expressly, then the first default authentication calculations mode is adopted, utilize described second to pay payment data described in double secret key and expressly carry out authentication calculations, to obtain the first authentication information, and utilize the first authentication information described in described second communication secret key encryption, the ciphertext of described first authentication information is sent to described swiping card equipment;
Described NFC module for reading and writing deciphers the ciphertext of described first authentication information, to obtain the plaintext of the first authentication information for utilizing described first communication key.
Further, described correction verification module is further used for prestoring authenticate key, and utilizes the payment data in authenticate key and described payment request to carry out corresponding verification according to the authentication check account form preset; Described authenticate key is pay key and second to pay with first one or two key that key pair uses.
Further, described the first default authentication calculations mode and the second authentication calculations mode preset are computations, signature calculation, Hash operation message authentication code calculate in one, described authentication check account form is the deciphering calculating corresponding with the first authentication calculations mode and the second authentication calculations mode, signature verification calculating, Hash operation message authentication code calculate in one or both.
Further, described payment data comprises payer identity information, product list, payment and time of payment.
Further, described video identification code label is one or more the combination in one-dimension code, Quick Response Code, picture.
It should be noted that, the function performed by modules in the NFC payment system that the present embodiment provides, those skilled in the art all realize by embedded software, do not repeat them here.
In sum, adopt a kind of safe NFC payment provided by the invention and system, can guarantee to only have when user takes out NFC Payment Card and aims at swiping card equipment, swiping card equipment reads in the mode scanned or take pictures and identifies that the video identification code label on nfc card surface could carry out mutual with NFC Payment Card and complete payment process.Therefore, effectively can prevent the stolen brush of nfc card be placed in wallet or pocket, there is better security.
The foregoing is only preferred embodiment of the present invention, not in order to limit the present invention, within the spirit and principles in the present invention all, any amendment made, equivalent replacement, improvement etc., all should be included within the scope of protection of the invention.
Claims (24)
1. a NFC payment for safety, is characterized in that, comprising:
Step 1: NFC Payment Card is provided, described NFC Payment Card comprises the video identification code label being arranged at described NFC Payment Card surface and the NFC module be arranged in described NFC Payment Card; Described video identification code label carries the first payment key, stores the second payment key in described NFC module;
Step 2: swiping card equipment reads and identifies described video identification code label, to obtain the first payment key;
Step 3: swiping card equipment sends payment data to the NFC module of described nfc card;
Step 4:NFC module adopts the authentication calculations mode preset, and utilizes described second to pay double secret key payment data and carries out authentication calculations, to obtain the first authentication information, and the first authentication information is sent to described swiping card equipment;
Step 5: swiping card equipment adopts the authentication calculations mode preset, utilizes described first to pay double secret key payment data and carries out authentication calculations, to obtain the second authentication information;
Step 6: the payment request comprising the first authentication information, the second authentication information and payment data is sent to settlement device by swiping card equipment;
Step 7: described settlement device verifies described payment request, after verification succeeds, completes payment.
2. method according to claim 1, is characterized in that, described video identification code also carries the first communication key, also stores second communication key in described NFC module;
In step 2, also comprise swiping card equipment read and identify described video identification code label, to obtain the first communication key;
In step 3, swiping card equipment utilizes described first communication key to be encrypted described payment data, described payment data ciphertext is sent to the NFC module of described nfc card;
In step 4, NFC module utilizes payment data ciphertext described in described second communication secret key decryption, to obtain payment data expressly, then default authentication calculations mode is adopted, utilize described second to pay payment data described in double secret key and expressly carry out authentication calculations, to obtain the first authentication information, and utilize the first authentication information described in described second communication secret key encryption, the ciphertext of described first authentication information is sent to described swiping card equipment;
In steps of 5, swiping card equipment utilizes the ciphertext of described first authentication information of described first communication key deciphering, to obtain the plaintext of the first authentication information.
3. method according to claim 2, is characterized in that, in described step 6, swiping card equipment forms the 3rd authentication information after the first authentication information and the second authentication information being integrated, and described 3rd authentication information and payment data are sent to settlement device;
In described step 7, described settlement device utilizes the payment data in the authenticate key and described payment request prestored to carry out corresponding verification according to the authentication check account form preset, and after verification succeeds, completes payment according to payment data; Described authenticate key is pay key and second to pay with first one or two key that key pair uses.
4. the method according to any one of claims 1 to 3, it is characterized in that, described default authentication calculations mode is computations, signature calculation, Hash operation message authentication code HMAC calculate in one, described default authentication check account form is the deciphering calculating corresponding with authentication calculations, sign test calculates, Hash operation message authentication code calculate in one or both.
5. method according to claim 4, is characterized in that, described payment data comprises payer identity information, product list, payment and time of payment.
6. method according to claim 5, is characterized in that, described video identification code label is one or more the combination in one-dimension code, Quick Response Code, picture.
7. a NFC payment system for safety, is characterized in that, comprises NFC Payment Card, swiping card equipment and settlement device;
Described NFC Payment Card comprises the video identification code label being arranged at described NFC Payment Card surface and the NFC module be arranged in described NFC Payment Card; Described video identification code label carries the first payment key, stores the second payment key in described NFC module; Described NFC module, for adopting default authentication calculations mode, utilizes the second payment double secret key payment data to carry out authentication calculations, to obtain the first authentication information, and the first authentication information is sent to described swiping card equipment;
Described swiping card equipment comprises video identification module, NFC module for reading and writing, authentication calculations module and pays request module; Wherein, described video identification module is used for reading and identifying described video identification code label; Described NFC module for reading and writing is used for sending payment data to described NFC module, and receives described first authentication information; Described authentication calculations module, for adopting default authentication calculations mode, utilizes described second to pay double secret key payment data and carries out authentication calculations, to obtain the second authentication information; Described payment request module comprises the payment request of the first authentication information, the second authentication information and payment data for generating, and payment request is sent to settlement device;
Described settlement device comprises correction verification module and payment module; Described correction verification module is used for verifying described payment request; Described payment module is used for completing payment after described correction verification module verification succeeds.
8. system according to claim 7, is characterized in that, described video identification code also carries the first communication key, also stores second communication key in described NFC module;
Described video identification module is also for reading and identifying described video identification code label, to obtain the first communication key;
Described NFC module for reading and writing is used for utilizing described first communication key to be encrypted described payment data, described payment data ciphertext is sent to the NFC module of described nfc card;
Described NFC module is used for utilizing payment data ciphertext described in described second communication secret key decryption, to obtain payment data expressly, then default authentication calculations mode is adopted, utilize described second to pay payment data described in double secret key and carry out authentication calculations, to obtain the first authentication information, and utilize the first authentication information described in described second communication secret key encryption, the ciphertext of described first authentication information is sent to described swiping card equipment;
Described NFC module for reading and writing deciphers the ciphertext of described first authentication information, to obtain the plaintext of the first authentication information for utilizing described first communication key.
9. system according to claim 8, is characterized in that, described payment request module is further used for the first authentication information and the second authentication information to integrate rear formation the 3rd authentication information, and described 3rd authentication information and payment data are sent to settlement device;
Described correction verification module is further used for prestoring authenticate key, and utilizes the payment data in authenticate key and described payment request to carry out corresponding verification according to the authentication check account form preset; Described authenticate key is pay key and second to pay with first one or two key that key pair uses.
10. the system according to any one of claim 7 to 9, it is characterized in that, described authentication calculations is computations, signature calculation, Hash operation message authentication code calculate in one, described default authentication check account form is the deciphering calculating corresponding with authentication calculations, sign test calculates, Hash operation message authentication code calculate in one or both.
11. systems according to claim 10, is characterized in that, described payment data comprises payer identity information, product list, payment and time of payment.
12. systems according to claim 11, is characterized in that, described video identification code label is one or more the combination in one-dimension code, Quick Response Code, picture.
The NFC payment of 13. 1 kinds of safety, is characterized in that, comprising:
Step 1: NFC Payment Card is provided, described NFC Payment Card comprises the video identification code label being arranged at described NFC Payment Card surface and the NFC module be arranged in described NFC Payment Card; Described video identification code label carries the first payment key, stores the second payment key in described NFC module;
Step 2: swiping card equipment reads and identifies described video identification code label, to obtain the first payment key;
Step 3: swiping card equipment sends payment data to the NFC module of described nfc card;
Step 4:NFC module adopts the first authentication calculations mode preset, and utilizes described second to pay double secret key payment data and carries out authentication calculations, to obtain the first authentication information, and the first authentication information is sent to described swiping card equipment;
Step 5: swiping card equipment adopts the second authentication calculations mode preset, utilizes described first to pay the first authentication information described in double secret key and carries out authentication calculations, to obtain the second authentication information;
Step 6: the payment request comprising the second authentication information and payment data is sent to settlement device by swiping card equipment;
Step 7: described settlement device verifies described payment request, after verification succeeds, completes payment.
14. methods according to claim 13, is characterized in that, described video identification code also carries the first communication key, also stores second communication key in described NFC module;
In step 2, also comprise swiping card equipment read and identify described video identification code label, to obtain the first communication key;
In step 3, swiping card equipment utilizes described first communication key to be encrypted described payment data, described payment data ciphertext is sent to the NFC module of described nfc card;
In step 4, NFC module utilizes payment data ciphertext described in described second communication secret key decryption, to obtain payment data expressly, then the first default authentication calculations mode is adopted, utilize described second to pay payment data described in double secret key and expressly carry out authentication calculations, to obtain the first authentication information, and utilize the first authentication information described in described second communication secret key encryption, the ciphertext of described first authentication information is sent to described swiping card equipment;
In steps of 5, swiping card equipment utilizes the ciphertext of described first authentication information of described first communication key deciphering, to obtain the plaintext of the first authentication information.
15. methods according to claim 14, it is characterized in that, in described step 7, described settlement device utilizes the payment data in the authenticate key and described payment request prestored to carry out corresponding verification according to the authentication check account form preset, after verification succeeds, complete payment according to payment data; Described authenticate key is pay key and second to pay with first one or two key that key pair uses.
16. according to claim 13 to the method described in 15 any one, it is characterized in that, described the first default authentication calculations mode and the second authentication calculations mode preset are computations, signature calculation, Hash operation message authentication code calculate in one, described authentication check account form is the deciphering calculating corresponding with the first authentication calculations mode and the second authentication calculations mode, sign test calculates, Hash operation message authentication code calculate in one or both.
17. methods according to claim 16, is characterized in that, described payment data comprises payer identity information, product list, payment and time of payment.
18. methods according to claim 17, is characterized in that, described video identification code label is one or more the combination in one-dimension code, Quick Response Code, picture.
The NFC payment system of 19. 1 kinds of safety, is characterized in that, comprises NFC Payment Card, swiping card equipment and settlement device;
Described NFC Payment Card comprises the video identification code label being arranged at described NFC Payment Card surface and the NFC module be arranged in described NFC Payment Card; Described video identification code label carries the first payment key, stores the second payment key in described NFC module; Described NFC module, for adopting the first default authentication calculations mode, utilizes the second payment double secret key payment data to carry out authentication calculations, to obtain the first authentication information, and the first authentication information is sent to described swiping card equipment;
Described swiping card equipment comprises video identification module, NFC module for reading and writing, authentication calculations module and pays request module; Wherein, described video identification module is used for reading and identifying described video identification code label; Described NFC module for reading and writing is used for sending payment data to described NFC module, and receives described first authentication information; Described authentication calculations module, for adopting the second default authentication calculations mode, utilizes described second to pay the first authentication information described in double secret key and carries out authentication calculations, to obtain the second authentication information; Payment request for generating the payment request comprising the second authentication information and payment data, and is sent to settlement device by described payment request module;
Described settlement device comprises correction verification module and payment module; Described correction verification module is used for verifying described payment request; Described payment module is used for completing payment after described correction verification module verification succeeds.
20. systems according to claim 19, is characterized in that, described video identification code also carries the first communication key, also stores second communication key in described NFC module;
Described video identification module is also for reading and identifying described video identification code label, to obtain the first communication key;
Described NFC module for reading and writing is used for utilizing described first communication key to be encrypted described payment data, described payment data ciphertext is sent to the NFC module of described nfc card;
Described NFC module is used for utilizing payment data ciphertext described in described second communication secret key decryption, to obtain payment data expressly, then the first default authentication calculations mode is adopted, utilize described second to pay payment data described in double secret key and expressly carry out authentication calculations, to obtain the first authentication information, and utilize the first authentication information described in described second communication secret key encryption, the ciphertext of described first authentication information is sent to described swiping card equipment;
Described NFC module for reading and writing deciphers the ciphertext of described first authentication information, to obtain the plaintext of the first authentication information for utilizing described first communication key.
21. systems according to claim 20, it is characterized in that, described correction verification module is further used for prestoring authenticate key, and utilizes the payment data in authenticate key and described payment request to carry out corresponding verification according to the authentication check account form preset; Described authenticate key is pay key and second to pay with first one or two key that key pair uses.
22. according to claim 19 to the system described in 21 any one, it is characterized in that, described the first default authentication calculations mode and the second authentication calculations mode preset are computations, signature calculation, Hash operation message authentication code calculate in one, described authentication check account form is the deciphering calculating corresponding with the first authentication calculations mode and the second authentication calculations mode, signature verification calculating, Hash operation message authentication code calculate in one or both.
23. systems according to claim 22, is characterized in that, described payment data comprises payer identity information, product list, payment and time of payment.
24. systems according to claim 23, is characterized in that, described video identification code label is one or more the combination in one-dimension code, Quick Response Code, picture.
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