CN104463575A - NFC payment communication method based on payment command - Google Patents
NFC payment communication method based on payment command Download PDFInfo
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- CN104463575A CN104463575A CN201410696390.0A CN201410696390A CN104463575A CN 104463575 A CN104463575 A CN 104463575A CN 201410696390 A CN201410696390 A CN 201410696390A CN 104463575 A CN104463575 A CN 104463575A
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- payment
- password
- account
- receiving terminal
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Abstract
The invention provides an NFC payment communication method based on a payment command. By means of the method, payment between a payer and a receiving party collection terminal is achieved through a handheld mobile terminal with account party authentication. Both the mobile terminal and the collection terminal are provided with NFC modules. The payer obtains the payment command and the account information through the account party, and the payment command and the account information are jointly sent to the collection terminal through NFC communication. The collection terminal generates a payment request and requests the account party to conduct payment. The account party detects the payment request and finishes payment if the payment command, the payment account and the payment password are unified.
Description
Technical field
The present invention relates to the communications field of payment and settlement, the communications field that particularly under line, consumption and mobile payment combine, is the communication means that a kind of NFC paid based on password pays.
Background technology
In recent years, intelligent terminal has become the essential items of people's life, and most of intelligent terminal is integrated with NFC communication functions of modules, and following NFC will be the standard configuration of intelligent terminal.Wireless network communication technique is maked rapid progress, and makes each intelligent terminal be no longer body one by one, but an intercommunication site.Under line pay develop more and more diversification, to payment mechanism require more and more higher, for user provide one more convenient, intelligence and the safe modes of payments be always payment mechanism research and development most important content.
Acquirer, Third-party payment mechanism, bank card issuer, financial regulator, Mobile Network Operator, city one-card company, mobile terminal manufacturer and payment software development company all participate in whole payment and settlement field, each participant plays indispensable role inside, when designing payment flow and use support facility, at every moment all need the actual conditions considering domestic participant, if each side's demand and interests can not be taken into account, must be obstructed when payment mode is carried out.The appearance of NFC communication technology is to ripe, each side's participant is all want to occupy critical positions in this field, and release various NFC payment standards and flow process separately, but these modes all do not obtain everybody approval and use up till now, and this has become the large obstacle that development NFC pays.
Along with the development communication technologies such as internet are increasingly mature, line pays and has become one of important daily means of payment of people.In more nearest years, the universal and renewal speed of Intelligent mobile equipment is explosive growing trend, so mobile payment has been expressed great expectation by people.There is numerous mobile payment modes at present, as NFC pays, Quick Response Code pays, and sound wave pays, photon payment etc.Wherein NFC payment technology is proposed the earliest, is also one of mobile payment mode using most convenient.NFC pays and refers to that consumer is when buying commodity or service, and immediately adopting NFC technique (Near Field Communication) to complete payment by handheld devices such as mobile phones, is emerging a kind of mobile payment mode.The process paid is carried out at the scene, and online under carry out, do not need to use mobile network, but use NFC radio-frequency channel to realize the local communication with the equipment such as POS cashing machine or automatic vending machine.NFC wireless near field communication is the mainstream technology that near field pays, and it is a kind of short-range high frequency wireless communication technology, allows to carry out contactless Point-to-Point Data Transmission between electronic equipment and exchanges data.This modes of payments make consumer and businessman carry out paying more convenient.
Varied along with the modes of payments, people have the increasing modes of payments to select, when paying, particularly consumer is when carrying out on-site payment, the cash receiving terminals such as the POS of businessman often need consumer to provide carrier a such as bank card etc. to pay, but many times consumer is unwilling be with card or need to be paid by account side, such as Alipay, Net silver etc., here even card does not all have, but when also not solving at present without card, consumer realizes the solution of payment consumption bill under line by trade company's POS scene.
Summary of the invention
When object of the present invention solves consumer without card, realized the method for payment consumption bill under line etc. by trade company's POS, the method is a kind of communication means of the NFC payment paid based on password.
Technical scheme of the present invention is: the communication means that a kind of NFC paid based on password pays, realize payer by hand-held have between the mobile terminal of account side's certification and take over party's cash receiving terminal pay, described mobile terminal and cash receiving terminal all have NFC module; Comprise the following steps:
S1, payer user are passing through hand-held mobile terminal logon account side;
S2, validation of payment side of account side user identity, and return the essential information of payer user;
S3, payer user pay password to the request of account side, and account direction payer user returns one and pays password;
S4, payer user utilize NFC module that payment password and payment account are sent to take over party's cash receiving terminal by hand-held mobile terminal;
S5, take over party's cash receiving terminal display payment account and payment prompting payer user input payment transaction password;
S6, take over party's cash receiving terminal send transaction request to account side, at least comprise payment transaction password, payment account and payment password in described transaction request;
S7, account side's validation of payment password, payment transaction password, and process transaction request, return transaction processing result to take over party's cash receiving terminal.
In the present invention, when consumer is without card, payment password and payer payment account etc. is sent to trade company's POS by NFC and realizes payment consumption account under line.
The present invention has following optimal way:
Described step S4 comprises:
S401, set up NFC communication between payer user hand-held mobile terminal and take over party's cash receiving terminal;
S402, take over party's cash receiving terminal transmit cash receiving terminal PKI and signature to payer user hand-held mobile terminal;
S403, payer user hand-held mobile terminal verification take over party's cash receiving terminal PKI and signature;
S404, take over party's cash receiving terminal generate and send cash receiving terminal PKI to payer user hand-held mobile terminal;
S405, payer user hand-held mobile terminal receive and use cash receiving terminal PKI, send to take over party cash receiving terminal after forming coded signal to payment password and payment account encryption;
After S406, take over party's cash receiving terminal receiving enciphered signals, obtained after utilizing cash receiving terminal private key to decipher and pay password and payment account.
Described payment password possesses following restriction:
Within the time limited effectively;
Can only use once.
A pair asymmetrical public and private key is deposited at take over party's cash receiving terminal by take over party's cash receiving terminal management organization; Account policy to take over party's cash receiving terminal public key signature, and leaves take over party's cash receiving terminal in; Account side's PKI is deposited at payer user hand-held mobile terminal by account side, for verifying take over party's cash receiving terminal public key signature.
In described step S6, take over party's cash receiving terminal is sent transaction request and is forwarded by acquirer to account side.
In described step S7, account direction take over party's cash receiving terminal is returned transaction processing result and is forwarded by acquirer.
The account information deposited after also comprising the gathering of take over party's cash receiving terminal in described transaction request.
Below in conjunction with specific embodiment, the present invention is described in more detail.
Accompanying drawing explanation
Fig. 1 is overall flow figure of the present invention.
Fig. 2 is that in the embodiment of the present invention 1, payer user hand-held mobile terminal obtains payment password process.
Fig. 3 is the embodiment of the present invention 2 mobile terminal and point of sales terminal reciprocal process.
Fig. 4 is the embodiment of the present invention 2 mobile terminal and point of sales terminal safety certification process.
Fig. 5 is that the embodiment of the present invention 2 point of sales terminal completes payment transaction process.
Embodiment
As shown in Figure 1, the present embodiment be a kind of based on pay password NFC pay communication means, realize payer by hand-held have between the mobile terminal of account side's certification and take over party's cash receiving terminal pay, mobile terminal and cash receiving terminal all have NFC module; Comprise the following steps:
S1, payer user are passing through hand-held mobile terminal logon account side;
S2, validation of payment side of account side user identity, and return the essential information of payer user;
S3, payer user pay password to the request of account side, and account direction payer user returns one and pays password;
S4, payer user utilize NFC module that payment password and payment account are sent to take over party's cash receiving terminal by hand-held mobile terminal;
S401, set up NFC communication between payer user hand-held mobile terminal and take over party's cash receiving terminal;
S402, take over party's cash receiving terminal transmit cash receiving terminal PKI and signature to payer user hand-held mobile terminal;
S403, payer user hand-held mobile terminal verification take over party's cash receiving terminal PKI and signature;
S404, take over party's cash receiving terminal generate and send cash receiving terminal PKI to payer user hand-held mobile terminal;
S405, payer user hand-held mobile terminal receive and use cash receiving terminal PKI, send to take over party cash receiving terminal after forming coded signal to payment password and payment account encryption;
After S406, take over party's cash receiving terminal receiving enciphered signals, obtain after utilizing cash receiving terminal private key to decipher and pay password and payment account.
S5, take over party's cash receiving terminal display payment account and payment prompting payer user input payment transaction password;
S6, take over party's cash receiving terminal send transaction request to account side, at least comprise payment transaction password, payment account and payment password in described transaction request;
S7, account side's validation of payment password, payment transaction password, and process transaction request, return transaction processing result to take over party's cash receiving terminal.
Embodiment 1 is that a kind of mobile-phone payment treasured that adopts completes method to trade company's POS payment consumption fund.
The method be in order to provide safety, reliably, easily based on NCF communicate offline payment method.In the method, consumer utilizes mobile-phone payment precious for consumption is checked, and trade company utilizes POS to collect money, period, and consumer does not need to swipe the card on POS.
A pair asymmetrical public and private key is deposited in the POS of point of sale by the management organization of point of sale POS.Alipay for point of sale POS public key signature, and leaves in POS.Alipay deposits account side's PKI on consumer's mobile phone, for verifying POS public key signature, ensures that POS is credible.
POS sends POS PKI and signature by NFC to mobile phone.Mobile phone uses Alipay PKI to verify signature, then uses POS PKI to be encrypted by NFC communication data.POS uses POS private key pair encryption data deciphering.Use POS public key encryption data can ensure critical data security in NFC communication.
Mobile phone gets unique payment password by APP from Alipay, pays password once effective in limiting time.Mobile phone pays password and payment account to POS by NFC communication transmission, and POS is sent to Alipay paying the trading password that password and consumer input in POS again, carrys out checkout transaction and complete account to withhold with this.The security of payment account can be strengthened by paying password.
As follows based on NFC modes of payments step under the line of payment password:
1) user is after on mobile phone, mounted Alipay APP applies, and accesses to your account and password login is applied to APP.
2) account of Alipay authentication of users and password, and return the essential information of user.
3) APP of user on mobile phone pays password to Alipay request.
4) Alipay returns the payment password of.This payment password is effective within the time limited, and can only use once.
5) cashier selects consumption function in POS, and inputs dealing money, starts NFC communication wait-receiving mode payment information.
6) user confirms to pay on mobile phone, and the NFC communication appointed area of mobile phone near POS.
7) mobile phone sets up communication linkage by the P2P agreement of NFC and POS, and mobile phone and POS are after verifying mutually, and mobile phone transmits the account after encryption to POS and pays password.
8) after POS receives information success, terminate NFC communication, prompting user can fetch mobile phone.
9) POS shows name on account, as bank's card number and user name, prompting user confirms and inputs password.
10) after user confirms account title and the amount of money, at the code keypad input trading password of POS.
11) POS sends transaction request to Alipay payment system, and request contains trading password, accounts information and payment password.Now, POS can by acquirer to the request of Alipay transmitted transaction.
12) Alipay validation of payment password and trading password, and process transaction request, return transaction processing result to POS.Now, transaction processing result can be forwarded by acquirer.
13) POS receives transaction processing result, and prints sales slip.
14) user confirms the content of sales slip, and signs, and so far transaction flow all completes.
In the present embodiment, the security system designed by unsymmetrical key, can the leakage of effectively Fraud Protection transaction and Transaction Information.Secret key safety system simple and flexible of the present invention, the business characteristic that in compatible transaction flow, mechanism is different in many ways, requires low to original payment system upgrading.
Adopt the payment password providing transaction unique by Alipay access mechanism, fundamentally stop the possibility forging or copy dealer's information, and in process of exchange, coordinate trading password to verify together, even if pay password be stolen or reveal, transaction and the account number safety of user also can be ensured.
Use NFC to pay, make transaction flow simple and convenient, the transaction response time is short, and user can inquire about the real-time deal situation of this account on mobile phone, and APP supports multiple channel account and bank card payment function.
Embodiment 2: the present embodiment is the general process that a kind of NFC based on paying password pays communication means: this payment is not limited in trade company's place's consumption and pays, be suitable for any two people to pay, wherein a people adopts POS or the gathering of other cash receiving terminal, the account side adopted is not limited to the patent payment mechanisms such as Alipay, and can be bank etc., can use when not being with bank card.Following account side and account side are same mechanisms, and it comprises professional payment mechanism and the bank nets etc. such as Alipay.Mobile terminal is the same with the mobile phone in embodiment 1 is need the side of paying, and point of sales terminal is the same with the POS in embodiment 1 is beneficiary.
As shown in Figure 2, payer mobile terminal uses APP acquisition payment password step as follows:
(1) payer user uses mobile terminal to open the APP application of account side, uses user profile and code entry APP to apply.
(2) account side's authentication of users information.
(3) account side namely account direction APP return user basic information.
(4) APP of user receives the essential information that account side returns user.
(5), after user selects the account side's payment account paid by APP, password is paid to the request of account side.
(6) account side receives and pays password request information.
(7) account side generates and pays password, and sends an acknowledgement on the APP of user.
(8) APP of user preserves and pays password information.
(9) account reef knot bundle network service.
(10) user APP terminates network service.
As shown in Figure 3, describe mobile terminal and point of sales terminal NFC communication interactive step as follows:
(11) cashier is after point of sales terminal input dealing money, and point of sales terminal now opens NFC communication.
(12) user uses the APP of mobile terminal to open payment mode, and now mobile terminal opens NFC communication.
(13) user appointed area that mobile terminal is paid near point of sales terminal NFC communication.
(14) now mobile terminal is connected with the NFC communication P2P of point of sales terminal.
(15) point of sales terminal provides terminal authentication information (describing identifying procedure in detail at Fig. 3) to mobile terminal.
(16) mobile terminal authentication point of sales terminal.
(17), after mobile terminal authentication completes point of sales terminal, transmit the payment accounts after encryption to point of sales terminal and pay password.
(18) point of sales terminal deciphering receives payment accounts and pays password.
(19) mobile terminal closes NFC communication.
(20) point of sales terminal closes NFC communication, and points out user communication success and terminate.
Ensure that NFC communication transmits payment accounts safely and reliably and pays password herein.
As shown in Figure 4, describe the safety certification process of mobile terminal and point of sales terminal, step is as follows:
A (), after mobile terminal and point of sales terminal establish the P2P communication of NFC, point of sales terminal transmits account policy to point of sales terminal public key signature to mobile terminal.
B () point of sales terminal transmits point of sales terminal PKI to mobile terminal.
C () mobile terminal receives and preserves mechanism of account side for point of sales terminal public key signature and point of sales terminal PKI.
D () mobile terminal side of accessing to your account public key verifications account policy is to point of sales terminal public key signature information.
After the success of (e) mobile terminal authorization information, point of sales terminal public key encryption is used to transmit account information and pay password.
F () mobile terminal transmits to point of sales terminal and uses point of sales terminal public key encryption to transmit account information and pay the data of password.
G () point of sales terminal receives to preserve and uses point of sales terminal public key encryption to transmit account information and pay the data of password.
H () mobile terminal proof procedure terminates.
(i) point of sales terminal uses the private key deciphering point of sales terminal public key encryption of point of sales terminal to transmit account information and pay the data of password, obtains account information expressly and pays password information.
J () point of sales terminal terminates proof procedure.
As shown in Figure 5, describing point of sales terminal, to complete the step of payment transaction as follows:
(21) point of sales terminal display payment accounts information and dealing money, and point out user to input trading password.
(22) user inputs trading password.
(23) point of sales terminal receives trading password.
(24) point of sales terminal is that payment mechanism transmits encrypted message, the payment accounts information of encryption and pays password information to line.
(25) correctness of account side's validation of payment password and trading password.
(26) account side's background process payment transaction.
(27) account direction point of sales terminal transmits response payment transaction information.
(28) point of sales terminal process transaction response message, and print transaction receipt.
(29) user confirms to conclude the business and transaction receipt of signing.
(30) account side closes the trade communication.
(31) close the trade flow process in point of sale.
Claims (6)
1. based on password pay NFC pay a communication means, realize payer by hand-held have between the mobile terminal of account side's certification and take over party's cash receiving terminal pay, described mobile terminal and cash receiving terminal all have NFC module; It is characterized in that, comprise the following steps:
S1, payer user are by hand-held mobile terminal logon account side;
S2, validation of payment side of account side user identity, and return the essential information of payer user;
S3, payer user pay password to the request of account side, and account direction payer user returns one and pays password;
S4, payer user utilize NFC module that payment password and payment account are sent to take over party's cash receiving terminal by hand-held mobile terminal;
S5, take over party's cash receiving terminal display payment account and payment prompting payer user input payment transaction password;
S6, take over party's cash receiving terminal send transaction request to account side, at least comprise payment transaction password, payment account and payment password in described transaction request;
S7, account side's validation of payment password, payment transaction password, and process transaction request, return transaction processing result to take over party's cash receiving terminal.
2. the communication means paid based on the NFC of password payment according to claim 1, it is characterized in that, described step S4 comprises:
S401, set up NFC communication between payer user hand-held mobile terminal and take over party's cash receiving terminal;
S402, take over party's cash receiving terminal transmit cash receiving terminal PKI and signature to payer user hand-held mobile terminal;
S403, payer user hand-held mobile terminal verification take over party's cash receiving terminal PKI and signature;
S404, take over party's cash receiving terminal generate and send beneficiary terminal public key to payer user hand-held mobile terminal;
S405, payer user hand-held mobile terminal send to take over party's cash receiving terminal after using beneficiary terminal public key to form coded signal to payment password and payment account encryption;
After S406, take over party's cash receiving terminal receiving enciphered signals, obtain after utilizing beneficiary terminal secret key to decipher and pay password and payment account.
3. the communication means paid based on the NFC of password payment according to claim 1, is characterized in that: described payment password possesses following restriction:
Within the time limited effectively;
Can only use once.
4. the communication means paid based on the NFC of password payment according to claim 1, is characterized in that: a pair asymmetrical public and private key is deposited at take over party's cash receiving terminal by take over party's cash receiving terminal management organization; Account policy to take over party's cash receiving terminal public key signature, and leaves take over party's cash receiving terminal in; Account side's PKI is deposited at payer user hand-held mobile terminal by account side, for verifying take over party's cash receiving terminal public key signature.
5. the communication means paid based on the NFC of password payment according to claim 1, is characterized in that: in described step S6, and take over party's cash receiving terminal is sent transaction request to payment mechanism and forwarded by acquirer.
6. the communication means paid based on the NFC of password payment according to claim 1, it is characterized in that: in described step S7, payment mechanism is returned transaction processing result to take over party's cash receiving terminal and is forwarded by acquirer.
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| CN201410696390.0A CN104463575A (en) | 2014-11-26 | 2014-11-26 | NFC payment communication method based on payment command |
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| CN201410696390.0A CN104463575A (en) | 2014-11-26 | 2014-11-26 | NFC payment communication method based on payment command |
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Application publication date: 20150325 |