CN104517211A - Payment system and method based on NFC (near field communication) equipment - Google Patents
Payment system and method based on NFC (near field communication) equipment Download PDFInfo
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- CN104517211A CN104517211A CN201410855406.8A CN201410855406A CN104517211A CN 104517211 A CN104517211 A CN 104517211A CN 201410855406 A CN201410855406 A CN 201410855406A CN 104517211 A CN104517211 A CN 104517211A
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- nfc device
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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
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
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- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
The invention provides a payment system based on NFC (near field communication) equipment. The payment system comprises first NFC equipment, second NFC equipment and a payment terminal, wherein a payment module is arranged in the first NFC equipment; the second NFC equipment comprises a decoding module for decoding the payment module, and when the second NFC equipment approaches the first NFC equipment, the decoding module decodes the payment module; the payment terminal is used for enabling the payment module of the first NFC equipment to perform payment when the first NFC equipment approaches. According to the system, the invention further provides a payment method based on the NFC equipment, one of the NFC equipment decodes the other NFC equipment in advance, so that the decoded NFC equipment can perform consumption without passwords, the leakage of the passwords can be avoided, and the safety of the payment is improved.
Description
Technical field
The present invention relates to wireless communication field, particularly relate to a kind of payment system based on NFC device and method.
Background technology
Near-field communication is a kind of radiotelegraphy of short distance high frequency, developed by non-contact radio-frequency identification (RFID) and the Technology Integration that interconnects, combining induction card reader, induction type card and point-to-point function on one chip, can carry out identifying and exchanges data with compatible equipment in short distance.NFC adopts initiatively and passive two kinds of read modes.
When NFC device work in the passive mode time, NFC device possesses passive payment function, namely other NFC device can be received, such as point of sale information control system (Point Of Sales, etc. POS) the payment request sent, then receive the payment cipher of user's input, when payment cipher is correct, perform delivery operation according to payment request.
Because input payment cipher needs to spend the more time, when the passive payment function of frequent use NFC device, long password input time can be made troubles to user.Therefore, user generally can not arrange payment cipher because of trouble, causes NFC device loss or stolen rear passive payment function to be abused, reduces the security that NFC device pays.
Equally, in commodity purchasing market now, no matter consumer is when store or online clearing consumption, big city uses credit card or Web bank, this all needs user to input password without unexceptional, thus very likely leak password in the process, reveal the personal information of user, cause huge loss.
Summary of the invention
For the problem of password may be revealed when solving and pay in prior art, the invention provides a kind of payment system based on NFC, comprising:
First NFC device, has payment module in described first NFC device;
Second NFC device, has with thinking the deciphering module that described payment module is deciphered in described second NFC device; And payment terminal, in described payment terminal, there is NFC module;
Wherein, when described second NFC device is near described first NFC device, described deciphering module is the deciphering of described payment module, and after deciphering when described first NFC device is near described payment terminal, the payment module of described first NFC device pays described payment terminal.
Optionally, described payment module is the bank card system comprising multiple bank card information.
Optionally, described second NFC device also comprises:
Bank card selects module, in order to when described second NFC device is near described first NFC device, selects the bank card in described first NFC device; And
Time setting module, after when described deciphering module being the deciphering of described payment module, setting maintains time of decrypted state.
Optionally, described first NFC device is NFC bracelet.
Optionally, described second NFC device is mobile phone terminal.
The present invention also provides a kind of method of payment based on NFC device, comprising:
First NFC device is near the second NFC device;
Deciphering module in described second NFC device is the payment module deciphering in described first NFC device;
First NFC device is near payment terminal, and the payment module of described first NFC device pays described payment terminal.
Optionally, described payment module is the bank card system comprising multiple bank card information.
Optionally, when described second NFC device is near described first NFC device, first select the bank card in the first NFC device described in model choice by the bank card in described second NFC device, then be the bank card deciphering selected by described deciphering module;
After the deciphering module in described second NFC device is the bank card deciphering in described first NFC device, maintained the time of decrypted state by the time setting module setting of the second NFC device.
Optionally, described first NFC device is NFC bracelet.
Optionally, described second NFC device is mobile phone terminal.
Payment system based on NFC device of the present invention comprises the first NFC device, in described first NFC device, have payment module; Second NFC device, comprises with thinking the deciphering module that described payment module is deciphered, and when described second NFC device is near described first NFC device, described deciphering module is the deciphering of described payment module; And payment terminal, in order to when described first NFC device near time, impel the payment module of described first NFC device to pay.Pass through said system, the present invention also provides a kind of method of payment based on NFC device, is decrypted in advance by a NFC device to another NFC device, makes the consumption that decrypted NFC device can be carried out without the need to password, avoid the problem that password is revealed, improve the security of payment.
Accompanying drawing explanation
Fig. 1 for described in one embodiment of the invention based on the structural representation of the payment system of NFC device.
Fig. 2 for described in one embodiment of the invention based on the process flow diagram of the method for payment of NFC device.
Embodiment
Below in conjunction with the drawings and specific embodiments, the present invention is described in further detail.According to the following describes and claims, advantages and features of the invention will be clearer.It should be noted that, accompanying drawing all adopts the form that simplifies very much and all uses non-ratio accurately, only in order to object that is convenient, the aid illustration embodiment of the present invention lucidly.
As shown in Figure 1, the invention provides a kind of payment system based on NFC device, comprising: the first NFC device 100, second NFC device 200 and payment terminal 300.Wherein, in the first NFC device 100, there is payment module 110; Second NFC device 200 comprises the deciphering module 210 with thinking that payment module 110 is deciphered, in described payment terminal 300, there is NFC module 310, when the second NFC device 200 is near described first NFC device 100, described deciphering module 210 is deciphered for described payment module 110; Payment terminal 300 in order to when described first NFC device 100 near time, impel the payment module 110 of described first NFC device 100 to pay.
Wherein, payment module 110 is the bank card system comprising multiple bank card, in the first NFC device 100, namely has the information of multiple bank cards of user, comprise debit card and credit card etc., so that user selects the bank card that will use.
In the present embodiment, the second NFC device 200 also comprises bank card selection module 220 and time setting module 230.When the first NFC device 100 and the second NFC device 200 near time can communicate by NFC technique, now user can select the bank card in the first NFC device 100 by the second NFC device 200.Deciphering module 210 is deciphered for payment module 110 and maintains decrypted state afterwards, and user can set by time setting module 230 time maintaining decrypted state.Within the time maintaining decrypted state, the consumption that user can carry out without the need to inputting password by means of only the first NFC device 100, namely when the first NFC device 100 is near a payment terminal 300, the payment request of payment terminal 300 (as POS) can be accepted, impel the payment module 110 of described first NFC device 100 to pay.Now, payment terminal 300 is also NFC device.
Preferably, the first NFC device 100 is NFC bracelet, is convenient to user and carries; Second NFC device 200 is mobile phone terminal, and bank card selects module 220, time setting module 230 and deciphering module 210 to form a mobile phone APP.When NFC bracelet is near mobile phone, user only need start described APP and can start payment module 110 and select accordingly and arrange.
In the present embodiment, the decrypting process of above-mentioned deciphering module 210 is: the first NFC device 100 and the second NFC device 200 near time, inputted the password of selected bank card by the second NFC device 200.But the present invention is not as limit, also can be remembered the password of each bank card by the second NFC device 200, near and be namely directly decrypted process after selecting bank card.
The following detailed description of the method for payment based on NFC device.
As shown in Figure 2, first user operation second NFC device 200, starts the deciphering module 210 in the second NFC device 200, bank card selects module 220 and time setting module 230; Then, the first NFC device 100, near the second NFC device 200, makes both sides produce wireless connections by NFC; Then, user selects the bank card in the first NFC device 100 by bank card selection module 220, is the bank card deciphering selected, and is set the time of maintenance decrypted state by time setting module 230 by deciphering module 210; Within the set time, user can go consumption with the first NFC device 100, only need by the first NFC device 100 near payment terminal 300, and payment terminal 300 sends payment instruction by NFC module 310, impels described payment module 110 to pay.
When hand-held first NFC device 100 of user is consumed, if this equipment is not activated, it is in encrypted state, cannot consume; If exceeded the time maintaining decrypted state, the first NFC device 100 has recovered encrypted state equally, cannot consume.Such as, user have selected the credit card in the first NFC device 100, deciphers it, and arranges that to maintain time of decrypted state be one hour, then within the time of one hour, and the consumption that user can be undertaken without the need to password by the first NFC device 100.
Payment system based on NFC device provided by the invention and method, in advance another NFC device is decrypted by a NFC device, make the consumption that decrypted NFC device can be carried out without the need to password, avoid the problem that password is revealed, improve the security of payment.
Obviously, those skilled in the art can carry out various change and modification to invention and not depart from the spirit and scope of the present invention.Like this, if these amendments of the present invention and modification belong within the scope of the claims in the present invention and equivalent technologies thereof, then the present invention is also intended to comprise these change and modification.
Claims (10)
1. based on a payment system of NFC, it is characterized in that, comprising:
First NFC device, has payment module in described first NFC device;
Second NFC device, has with thinking the deciphering module that described payment module is deciphered in described second NFC device; And
Payment terminal, has NFC module in described payment terminal;
Wherein, when described second NFC device is near described first NFC device, described deciphering module is the deciphering of described payment module, and after deciphering when described first NFC device is near described payment terminal, the payment module of described first NFC device pays described payment terminal.
2. payment system as claimed in claim 1, it is characterized in that, described payment module is the bank card system comprising multiple bank card information.
3. payment system as claimed in claim 2, it is characterized in that, described second NFC device also comprises:
Bank card selects module, in order to when described second NFC device is near described first NFC device, selects the bank card in described first NFC device; And
Time setting module, after when described deciphering module being the deciphering of described payment module, setting maintains time of decrypted state.
4. payment system as claimed in claim 1, it is characterized in that, described first NFC device is NFC bracelet.
5. payment system as claimed in claim 1, it is characterized in that, described second NFC device is mobile phone terminal.
6. based on a method of payment for NFC device, it is characterized in that, comprising:
First NFC device is near the second NFC device;
Deciphering module in described second NFC device is the payment module deciphering in described first NFC device;
First NFC device is near payment terminal, and the payment module of described first NFC device pays described payment terminal.
7. method of payment as claimed in claim 6, it is characterized in that, described payment module is the bank card system comprising multiple bank card information.
8. method of payment as claimed in claim 7, is characterized in that:
When described second NFC device is near described first NFC device, first select the bank card in the first NFC device described in model choice by the bank card in described second NFC device, then be the bank card deciphering selected by described deciphering module;
After the deciphering module in described second NFC device is the bank card deciphering in described first NFC device, maintained the time of decrypted state by the time setting module setting of the second NFC device.
9. method of payment as claimed in claim 6, it is characterized in that, described first NFC device is NFC bracelet.
10. method of payment as claimed in claim 6, it is characterized in that, described second NFC device is mobile phone terminal.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410855406.8A CN104517211B (en) | 2014-12-26 | 2014-12-26 | payment system and method based on NFC device |
| TW104122278A TWI650715B (en) | 2014-12-26 | 2015-07-09 | Payment system based on near field communication and method thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410855406.8A CN104517211B (en) | 2014-12-26 | 2014-12-26 | payment system and method based on NFC device |
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| Publication Number | Publication Date |
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| CN104517211A true CN104517211A (en) | 2015-04-15 |
| CN104517211B CN104517211B (en) | 2017-12-22 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201410855406.8A Active CN104517211B (en) | 2014-12-26 | 2014-12-26 | payment system and method based on NFC device |
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| CN (1) | CN104517211B (en) |
| TW (1) | TWI650715B (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106228356A (en) * | 2016-07-13 | 2016-12-14 | 广东商联支付网络技术有限公司 | A kind of use bracelet to substitute entity member card to carry out the method and device that pays |
| CN106503990A (en) * | 2016-10-17 | 2017-03-15 | 珠海格力电器股份有限公司 | Transaction processing method and mobile device |
| WO2018000275A1 (en) * | 2016-06-29 | 2018-01-04 | 华为技术有限公司 | Payment verification method and apparatus |
| CN113173141A (en) * | 2021-04-20 | 2021-07-27 | 上海宏英智能科技股份有限公司 | Vehicle safety key operation system |
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| WO2009052196A1 (en) * | 2007-10-17 | 2009-04-23 | First Data Corporation | Onetime passwords for mobile wallets |
| CN102855562A (en) * | 2012-09-11 | 2013-01-02 | 守望者科技（北京）有限公司 | NFC (near field communication) mobile terminal and payment method |
| CN102970674A (en) * | 2012-11-01 | 2013-03-13 | 中兴通讯股份有限公司 | Method and system for achieving temporary dynamic authorization by utilizing near field communication (NFC) |
| TW201428530A (en) * | 2013-01-02 | 2014-07-16 | Htc Corp | Accessory and accessory interfacing system and interfacing method |
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| TWM482105U (en) * | 2014-03-11 | 2014-07-11 | Abomem Technology Corp | Mobile point of sale mechanism |
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| WO2009052196A1 (en) * | 2007-10-17 | 2009-04-23 | First Data Corporation | Onetime passwords for mobile wallets |
| CN102855562A (en) * | 2012-09-11 | 2013-01-02 | 守望者科技（北京）有限公司 | NFC (near field communication) mobile terminal and payment method |
| CN102970674A (en) * | 2012-11-01 | 2013-03-13 | 中兴通讯股份有限公司 | Method and system for achieving temporary dynamic authorization by utilizing near field communication (NFC) |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2018000275A1 (en) * | 2016-06-29 | 2018-01-04 | 华为技术有限公司 | Payment verification method and apparatus |
| US11055720B2 (en) | 2016-06-29 | 2021-07-06 | Huawei Technologies Co., Lid. | Payment verification method and apparatus |
| CN106228356A (en) * | 2016-07-13 | 2016-12-14 | 广东商联支付网络技术有限公司 | A kind of use bracelet to substitute entity member card to carry out the method and device that pays |
| CN106503990A (en) * | 2016-10-17 | 2017-03-15 | 珠海格力电器股份有限公司 | Transaction processing method and mobile device |
| CN113173141A (en) * | 2021-04-20 | 2021-07-27 | 上海宏英智能科技股份有限公司 | Vehicle safety key operation system |
| CN113173141B (en) * | 2021-04-20 | 2023-03-14 | 上海宏英智能科技股份有限公司 | Vehicle safety key operation system |
Also Published As
| Publication number | Publication date |
|---|---|
| TW201624371A (en) | 2016-07-01 |
| CN104517211B (en) | 2017-12-22 |
| TWI650715B (en) | 2019-02-11 |
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