CN105323223B - The method and system that mobile terminal passes through point-to-point mode transmission process transaction data - Google Patents

Abstract

The embodiment of the invention discloses a kind of mobile terminals to pass through the method and system of point-to-point mode transmission process transaction data, wherein method includes：First movement terminal crashes with the second mobile terminal, and the first NFC unit in first movement terminal establishes P2P communication ports with the second NFC unit in the second mobile terminal；The first short-range communication unit in first movement terminal is established short range communication with the second short-range communication unit in the second mobile terminal and is connect, first client carries out information exchange by short range communication connection with the second client, and the SWP payment card informations in the second mobile terminal are read by the second client；First client is connect with the second client by short range communication, and the transmission process of order transaction data is carried out based on order information and SWP payment card informations.The embodiment of the present invention can realize the perfect match between mobile terminal, and the hardware performance to mobile terminal and payment environment no requirement (NR) automatically by the mode of crashing.

Description

The method and system that mobile terminal passes through point-to-point mode transmission process transaction data

Technical field

The present invention relates to the communication technology, especially a kind of mobile terminal is merchandised by point-to-point (P2P) mode transmission process The method and system of data.

Background technology

Due to the mobility and portability of mobile terminal, mobile terminal is gradually applied to payment technical field, more and more Trade company and user between by the mobile terminal near field means of payment be traded fund receive, pay.

In the means of payment of existing mobile terminal near field, the mode mainly paid using sound wave, such as Alipay are adopted Pay face to face it is middle using be sound wave payment by the way of.When being traded data transmission using the sound wave means of payment, number Transaction data is sent by loud speaker according to sender mobile terminal, data receiver's mobile terminal receives number of deals by microphone According to, and the transmission of the pairing and transaction data by payment platform assistance both sides' completion mobile terminal.

In the implementation of the present invention, inventor has found that the mode of sound wave payment has at least the following problems：

The mode of sound wave payment is based on ultrasonic wave and transmits information, the property of loud speaker and microphone to both sides' mobile terminal The noise level of energy and payment environment has very high requirement, is easy to be interfered by ambient enviroment, in a noisy environment, meeting Cause the pairing of mobile terminal not accurate enough；

Sound wave payment process needs trade company to manually select or be arranged there are the scene that multi-user pays the bill simultaneously to a certain trade company Paying party user carries out the pairing of both sides' mobile terminal, inconvenient, and there is a possibility that maloperation.

Invention content

A technical problem to be solved of the embodiment of the present invention is：To double existing for mode for the payment of existing sound wave The loud speaker of square mobile terminal and the noise level of the performance of microphone and payment environment all have high requirements, and manually Operation to mobile terminal carry out pairing there are problems that it is inconvenient, there is a possibility that maloperation, a kind of mobile terminal is provided Pass through the method and system of P2P mode transmission process transaction data.

A kind of mobile terminal provided in an embodiment of the present invention by the method for P2P mode transmission process transaction data, including：

Detect that first movement terminal crashes with the second mobile terminal, the first short distance nothing in first movement terminal Line communicates NFC unit and establishes P2P communication ports with the second NFC unit in the second mobile terminal；

The first client that setting is coupled in first movement terminal is coupled by P2P communication ports from the second mobile terminal The second client being arranged obtains the identification information of second mobile terminal, wherein the mark of the second mobile terminal is uniquely marked Know a mobile terminal or mobile terminal user；

First client obtains the short range communication characteristic of the first short-range communication unit in the first movement terminal, and By P2P communication ports to short range communication characteristic described in the second client transmissions；The short-range communication unit includes wireless LAN WiFi units or bluetooth unit, corresponding short range communication characteristic include needing to do the second client mark responded Knowledge and WiFi characteristics or bluetooth characteristic, the WiFi characteristics or bluetooth characteristic include first movement end The MAC address and port numbers at end；

After second client receives short range communication characteristic, the second short range communication list in the second mobile terminal is indicated The short range communication that member searches for the first short-range communication unit according to the short range communication characteristic is broadcasted, including WiFi broadcast or blue Tooth is broadcasted；

Second short-range communication unit searches the short distance of the first short-range communication unit according to the short range communication characteristic After communication broadcast, the second client indicates that the second short-range communication unit is established short range communication with the first short-range communication unit and connect, Including WiFi is direct-connected or bluetooth connection；

First client is based on order information input by user, and the Send only Account type in order information is single-wire communication It when SWP Payment Cards of reaching an agreement on are paid, is connected by the short range communication, information exchange is carried out with the second client, by the second client Read the SWP payment card informations that setting is coupled in the second mobile terminal in end；

First client is connect with the second client by the short range communication, is believed based on order information and SWP Payment Cards Breath carries out the transmission process of order transaction data.

In another embodiment based on the above method of the present invention, it is logical that the first NFC unit and the second NFC unit establish P2P After believing channel, further include：

First client is sent out by first movement terminal and the screen display of the second mobile terminal respectively with the second client Send the Notes of Key Data；

First client receives user and is sent out by the short range communication characteristic that the interactive interface of first movement terminal inputs Instruction is sent, the short range communication feature that first client obtains the first movement terminal medium or short range communication unit is then executed The operation of data.

In another embodiment based on the above method of the present invention, further include：

First short-range communication unit establishes the operation of short range communication broadcast.

In another embodiment based on the above method of the present invention, the second client indicates the second short-range communication unit and the One short-range communication unit establishes short range communication connection：

Second client is after the second short-range communication unit searches the short range communication broadcast of the first short-range communication unit, and the Two clients send to the second short-range communication unit and establish the connection instruction that short range communication is connect with the first short-range communication unit；

Second short-range communication unit sends short range communication connection request to the first short-range communication unit, and the short range communication connects Connect the identification information that request includes the second mobile terminal；

The short range communication connection request is transmitted to the first client by the first short-range communication unit, and is receiving first After what client returned allows to establish the instruction of short range communication connection, the second short-range communication unit is allowed to access, thus with second Short-range communication unit establishes short range communication connection.

In another embodiment based on the above method of the present invention, first short-range communication unit is by the short range communication Connection request is transmitted to after the first client, further includes：

Short range communication connection request described in screen display of first client by first movement terminal and the short range communication The identification information of the second mobile terminal in connection request；First client receives interaction circle of the user by first movement terminal After the instruction of the agreement connection of face input, the instruction for allowing to establish short range communication and connecting is sent to the first short-range communication unit；Or Person

Identifying whether for the second mobile terminal in short range communication connection request described in first client validation is logical with this The mark for crossing the second mobile terminal that P2P communication ports are got is consistent；If the two is consistent, sent to the first short-range communication unit Allow the instruction for establishing short range communication connection.

In another embodiment based on the above method of the present invention, further include：

First client receives the operation of order information input by user, and the order information includes transaction amount, payment Account Type and type of transaction information；The type of transaction includes offline transaction or online transaction.

In another embodiment based on the above method of the present invention, when the type of transaction is offline transaction, described first Client is connect with the second client by the short range communication, and order friendship is carried out based on order information and SWP payment card informations The transmission process of easy data includes：

First client is established socket Socket with the second client by short range communication connection and is connect, to second Client sends SWP payment card information file identifications；

Second client is according to the SWP payment card informations file identification, from being read in SWP Payment Cards in the second mobile terminal It takes SWP payment card informations and returns to the first client using Socket；The SWP payment card informations include account information；

First client sends initialization trading instruction, the initialization trading instruction using Socket to the second client It is numbered including cipher key index number, transaction amount, type of transaction and terminating machine, the terminating machine number is the first movement terminal Number as terminating machine；

The initialization trading instruction is transmitted to the SWP Payment Cards by the second client；

The SWP Payment Cards inquiry is paid with the presence or absence of the corresponding consumption key of the cipher key index number and the SWP Whether the account available balance in card information is more than the transaction amount；

If there are the corresponding consumption key of the cipher key index number and the account available balance is more than the trade gold Volume, the SWP Payment Cards return to initialization transaction response message to the second client, and initialization transaction response message includes The account available balance, this transaction serial number in the SWP payment card transactions of transaction, in the SWP payment card informations The limit of overdrawn account, algorithm mark and pseudo random number；

Second client sends the initialization transaction response message using Socket to the first client；

First client using the corresponding consumption key of the cipher key index number, the algorithm identify identified algorithm with The transaction amount, type of transaction, terminating machine number, trade date, exchange hour is encrypted in pseudo random number, obtains first Encryption information, and using Socket to the second client send trading instruction, the trading instruction include the transaction serial number, Trade date, exchange hour and first encryption information；

The trading instruction is transmitted to the SWP Payment Cards by the second client；

The SWP Payment Cards utilize the corresponding consumption key of cipher key index number, algorithm mark in initialization transaction response message Know identified algorithm and pseudo random number, transaction amount, type of transaction, the terminating machine in the initialization trading instruction are compiled Number and the trade date in the trading instruction and exchange hour be encrypted, obtain the second encryption information；

Whether SWP Payment Cards first encryption information and second encryption information are consistent；

If first encryption information is consistent with second encryption information, the SWP Payment Cards are detained from the account Except the transaction amount, identified algorithm and puppet are identified using the corresponding consumption key of the cipher key index number, the algorithm Transaction amount, type of transaction, terminating machine number, transaction serial number, trade date and exchange hour is encrypted in random number, obtains Third encryption information, and the transaction amount is encrypted, transaction amount encryption information is obtained, and return to the second client It is returned easy response message, the transaction response message includes the third encryption information and the transaction amount encryption information；

Second client sends the transaction response message using Socket to the first client；

First client is utilized by coupling the point of sales terminal secure access module PSAM of setting in first movement terminal The cipher key index number is corresponding to consume the identified algorithm of key, algorithm mark with pseudo random number in order information Transaction amount is encrypted, and compares the obtained encryption information of encryption and whether the transaction amount encryption information is consistent；

If consistent, the transaction amount encryption information passes through verification；Otherwise, if it is inconsistent, the transaction amount encryption letter It ceases not verified；

PSAM returns to the results messages of transaction success or failure to the first client；

First client sends the results messages of the transaction success or failure using Socket to the second client.

In another embodiment based on the above method of the present invention, when the type of transaction is online transaction, described first Client is connect with the second client by the short range communication, and order friendship is carried out based on order information and SWP payment card informations The transmission process of easy data includes：

First client is established socket Socket with the second client by short range communication connection and is connect, to second Client sends SWP payment card information file identifications；

Second client is according to the SWP payment card informations file identification, from being read in SWP Payment Cards in the second mobile terminal It takes SWP payment card informations and returns to the first client using Socket；The SWP payment card informations include account information；

First client indicates that PSAM uses the private key pair in the first public private key pair appointed in advance with payment platform the One trading information data packet is encrypted, and obtains the first digital signature；The first trading information data packet includes the account Information, transaction amount, type of transaction and terminating machine number information, the terminating machine number are the first movement terminal as eventually The number of terminal；

First client sends on-line transaction request to payment platform, and on-line transaction request includes the first Transaction Information number According to packet and first digital signature；

The payment platform uses the public key pair in first public private key pair appointed in advance with the PSAM First digital signature is decrypted to obtain the second trading information data packet, and the second trading information data packet with it is described Whether the first trading information data packet is consistent；

If the second trading information data packet is consistent with the first trading information data packet, on-line transaction, branch are carried out It pays platform and deducts the transaction amount from the account information, and use advance the second public and private key appointed with the PSAM Third trading information data packet is encrypted in the private key of centering, obtains the second digital signature, the third trading information data Include the account information, transaction amount, type of transaction, terminating machine number, transaction serial number, trade date and exchange hour；

The payment platform returns to on-line transaction response to first client, and on-line transaction response includes described Third trading information data packet and second digital signature；

First client indicates that the PSAM is public and private using advance described second appointed with the payment platform Second digital signature is decrypted in the public key of key centering, obtains the 4th trading information data packet, and the more described 4th Whether trading information data packet and the third trading information data packet are consistent；

If the 4th trading information data packet is consistent with the third trading information data packet, merchandise successfully, PSAM is deposited Store up the 4th trading information data packet；Otherwise, if it is inconsistent, Fail Transaction；

PSAM returns to the results messages of transaction success or failure to the first client；

First client sends the results messages of the transaction success or failure using Socket to the second client.

In another embodiment based on the above method of the present invention, further include：

After first client receives the results messages of transaction success or failure, the first short-range communication unit of instruction is closed Short range communication is broadcasted, to disconnect the connection of the short range communication between the first short-range communication unit and the second short-range communication unit.

A kind of mobile terminal provided in an embodiment of the present invention passes through the system of P2P mode transmission process transaction data, spy Sign is, including first movement terminal and the second mobile terminal, and the first NFC unit, the first visitor are provided in first movement terminal Family end, the first short-range communication unit and PSAM are provided with the second NFC unit, the second client, second short in the second mobile terminal Journey communication unit and SWP Payment Cards, the SWP Payment Cards include SWP payment card informations, and the SWP payment card informations include Account information；The short-range communication unit includes WiFi units or bluetooth unit；Wherein：

First NFC unit and second NFC unit, for detecting first movement terminal with the second movement eventually When end crashes, P2P communication ports are established between the first NFC unit and the second NFC unit；

First client, for obtaining second movement eventually from second client by P2P communication ports The identification information at end, wherein one mobile terminal of mark unique mark of the second mobile terminal or mobile terminal user；And it obtains Take the short range communication characteristic of first short-range communication unit, and by P2P communication ports to the second client transmissions institute Short range communication characteristic is stated, including needs to do the second client identification responded and WiFi characteristics or bluetooth characteristic Include the MAC Address and port numbers of first movement terminal according to, WiFi characteristics or bluetooth characteristic；And first Short-range communication unit and the second short-range communication unit are established after short range communication connect, and are based on order information input by user, are being ordered When Send only Account type in single information is that SWP Payment Cards are paid, is connected by the short range communication, carried out with the second client Information exchange, the second client of request read the SWP payment card informations that setting is coupled in the second mobile terminal；

Second client, the user identity for being used from second mobile terminal or second mobile terminal Identification card reads the identification information of second mobile terminal；After receiving the short range communication characteristic, instruction second The short range communication that short-range communication unit searches for the first short-range communication unit according to the short range communication characteristic is broadcasted, including WiFi is broadcasted or Bluetooth broadcast；And search the short range communication broadcast of the first short-range communication unit in the second short-range communication unit Afterwards, the second short-range communication unit of instruction is established short range communication with the first short-range communication unit and is connect, including WiFi is direct-connected or bluetooth Connection；And the SWP payment card informations side transmission that setting is coupled in the second mobile terminal is read according to the instruction of the first client To the first client；And connect by the short range communication with the first client, it is based on order information and SWP payment card informations Carry out the transmission process of order transaction data；

First short-range communication unit, for establishing short range communication broadcast；

Second short-range communication unit, for searching for the first short-range communication unit according to the short range communication characteristic Short range communication broadcast.

In another embodiment based on above system of the present invention, first client is additionally operable in the first NFC unit After establishing P2P communication ports with the second NFC unit, prompted by the screen display transmission data of first movement terminal；And it connects It receives user and instruction is sent by the short range communication characteristic that the interactive interface of first movement terminal inputs, then obtained described in execution Take the operation of the short range communication characteristic of the first movement terminal medium or short range communication unit；

Second client is additionally operable to after the second NFC unit and the first NFC unit establish P2P communication ports, passes through The screen display transmission data of second mobile terminal prompts.

In another embodiment based on above system of the present invention, the second client indicates the second short-range communication unit and the When one short-range communication unit establishes short range communication connection, specifically for searching the first short range communication in the second short-range communication unit After the short range communication broadcast of unit, short range communication is established with the first short-range communication unit to the transmission of the second short-range communication unit and connect Connection instruction；

Second short-range communication unit is specifically used for sending short range communication connection request to the first short-range communication unit, The short range communication connection request includes the identification information of the second mobile terminal；

First short-range communication unit, specifically for the short range communication connection request is transmitted to the first client, And receive the first client return allow establish short range communication connection instruction after, allow the second short-range communication unit connect Enter, is connect to establish short range communication with the second short-range communication unit.

In another embodiment based on above system of the present invention, first client is additionally operable to described in receiving After short range communication connection request, short range communication connection request and the short distance described in the screen display by first movement terminal are logical Believe the identification information of the second mobile terminal in connection request；And reception user is defeated by the interactive interface of first movement terminal After the instruction of the agreement connection entered, the instruction for allowing to establish short range communication and connecting is sent to the first short-range communication unit；Or

First client, for verifying identifying whether for the second mobile terminal in the short range communication connection request It is consistent with the mark of the second mobile terminal that this is got by P2P communication ports；If the two is consistent, to the first short range communication Unit sends the instruction for allowing to establish short range communication connection.

In another embodiment based on above system of the present invention, first client is additionally operable to receive user's input Order information, the order information includes transaction amount, Send only Account type and type of transaction information；The type of transaction packet Include offline transaction or online transaction.

In another embodiment based on above system of the present invention, the type of transaction is offline transaction；First visitor Family is provided with PSAM in end；

It is described to be connect by the short range communication with the first client, it is carried out based on order information and SWP payment card informations When the transmission process of order transaction data：

First client connects specifically for establishing Socket with the second client by short range communication connection It connects, SWP payment card information file identifications is sent to the second client；And when receiving SWP payment card informations, use Socket sends initialization trading instruction to the second client, and the initialization trading instruction includes cipher key index number, trade gold Volume, type of transaction and terminating machine number, the terminating machine number is number of the first movement terminal as terminating machine；It receives The initialization transaction response message that second client is sent, initialization transaction response message include that the account is available remaining Volume, this transaction serial number of the transaction in the SWP payment card transactions, the limit of overdrawn account in the SWP payment card informations, algorithm Mark and pseudo random number；And identify identified algorithm using the corresponding consumption key of the cipher key index number, the algorithm The transaction amount, type of transaction, terminating machine number, trade date, exchange hour are encrypted with pseudo random number, obtain One encryption information, and trading instruction is sent to the second client using Socket, the trading instruction includes the transaction sequence Number, trade date, exchange hour and first encryption information；And using Socket to PSAM is sent transaction success or The results messages of failure are transmitted to the second client；

Second client is specifically used for according to the SWP payment card informations file identification, from the second mobile terminal SWP payment card informations are read in SWP Payment Cards and return to the first client using Socket；And send the first client Initialization trading instruction is transmitted to the SWP Payment Cards；And it is forwarded to the first client using Socket and is paid by the SWP The initialization transaction response message that card is sent；And the trading instruction is transmitted to the SWP Payment Cards；Receive the SWP Transaction response message that Payment Card is sent simultaneously is transmitted to the first client using Socket, and the transaction response message includes the Three encryption information and transaction amount encryption information；

The SWP Payment Cards, for when receiving initialization trading instruction, inquiry to whether there is the cipher key index number Whether the account available balance in corresponding consumption key and the SWP payment card informations is more than the transaction amount；If depositing In the corresponding consumption key of the cipher key index number and the account available balance is more than the transaction amount, to the second client End returns to the initialization transaction response message；And utilize the corresponding consumption of cipher key index number in initialization transaction response message Key, algorithm identify identified algorithm and pseudo random number, to the transaction amount in the initialization trading instruction, transaction class Type, terminating machine number and the trade date in the trading instruction and exchange hour are encrypted, and obtain the second encryption letter Breath；Compare first encryption information and whether second encryption information is consistent；If first encryption information and described the Two encryption information are consistent, and the transaction amount is deducted from the account, using the corresponding consumption key of the cipher key index number, The algorithm identifies identified algorithm with pseudo random number to transaction amount, type of transaction, terminating machine number, transaction serial number, friendship Easy date and exchange hour are encrypted, and obtain third encryption information, and the transaction amount is encrypted, are merchandised Amount of money encryption information, and return to the transaction response message to the second client；

The PSAM, for identifying identified calculation using the corresponding consumption key of the cipher key index number, the algorithm Method is encrypted the transaction amount in order information with pseudo random number, and compares encryption information and the first client that encryption obtains Whether consistent terminate the transaction amount encryption information received；If consistent, the transaction amount encryption information passes through verification；It is no Then, if inconsistent, the transaction amount encryption information is not verified；And return to transaction success or failure to the first client Results messages.

In another embodiment based on above system of the present invention, the type of transaction is online transaction；The system is also Including payment platform；

It is described to be connect by the short range communication with the first client, it is carried out based on order information and SWP payment card informations When the transmission process of order transaction data：

First client, specifically for establishing socket with the second client by short range communication connection Socket connections send SWP payment card information file identifications to the second client；Indicate PSAM using in advance with payment platform about Private key pair the first trading information data packet in the first public private key pair set is encrypted, and obtains the first digital signature, and to Payment platform sends on-line transaction request, and on-line transaction request includes that the first trading information data packet is signed with first number Name, the first trading information data packet include the account information, transaction amount, type of transaction and terminating machine number information, The terminating machine number is number of the first movement terminal as terminating machine；And the instruction PSAM is using in advance and institute State the second number in the on-line transaction response that the public key in the second public private key pair that payment platform is appointed returns to payment platform Word signature is decrypted, and obtains the 4th trading information data packet, and the 4th trading information data packet and the third Whether trading information data packet is consistent；And disappeared to the result of the second client transmitted transaction success or failure using Socket Breath；

The PSAM uses the advance institute appointed with the payment platform for being indicated according to the word of the first client Second digital signature is decrypted in the public key stated in the second public private key pair, obtains the 4th trading information data packet, and compare Whether the 4th trading information data packet and the third trading information data packet are consistent；If the 4th Transaction Information number It is consistent with the third trading information data packet according to wrapping, it merchandises successfully, stores the 4th trading information data packet；Otherwise, if It is inconsistent, Fail Transaction；And the results messages of transaction success or failure are returned to the first client；

Second client is specifically used for according to the SWP payment card informations file identification, from the second mobile terminal SWP payment card informations are read in SWP Payment Cards and return to the first client using Socket；

The payment platform, for using the public affairs in first public private key pair appointed in advance with the PSAM The first digital signature of key pair is decrypted to obtain the second trading information data packet, and the second trading information data packet with Whether the first trading information data packet is consistent；If the second trading information data packet and first trading information data Packet is consistent, carries out on-line transaction, the transaction amount is deducted from the account information, and use and arrange in advance with the PSAM Third trading information data packet is encrypted in private key in the second good public private key pair, obtains the second digital signature, and to institute State the first client and return to on-line transaction response, on-line transaction response include the third trading information data packet with it is described Second digital signature, the third trading information data packet include the account information, transaction amount, type of transaction, terminating machine Number, transaction serial number, trade date and exchange hour.

In another embodiment based on above system of the present invention, first client is additionally operable to receiving transaction After the results messages of success or failure, the first short-range communication unit of instruction closes short range communication broadcast, to disconnect the first short distance Short range communication connection between communication unit and the second short-range communication unit.

The mobile terminal provided based on the above embodiment of the present invention by the method for P2P mode transmission process transaction data and System, first movement terminal therein can be used as trade company's mobile terminal, the second mobile terminal to can be used as customer mobile terminal. In a portion embodiment, adopted in both sides' mobile terminal under the auxiliary of client by the P2P patterns between NFC unit Realize that the pairing of trade company and customer mobile terminal, communication distance can control in smaller range (for example, 0.1 meter with NFC technique Within), and do not need user and any selection of pairing progress or setting, touching can be completed manually, it is convenient, time saving, and keep away Maloperation is exempted from；After the completion of trade company and customer mobile terminal match, by WiFi is direct-connected or bluetooth connection mode in trade company and Transaction data is mutually passed between customer mobile terminal, transmission rate is fast, can greatly improve trading efficiency, reduces both sides' stand-by period； In addition, with the prior art using sound wave payment by the way of compared with, the loud speaker of both sides' mobile terminal of the embodiment of the present invention and wheat The equal no requirement (NR) of noise level of the hardware performance and payment environment of gram wind.

In further another part embodiment, the embodiment of the present invention can make between trade company and customer mobile terminal Transaction data is mutually passed with Socket, the data of transmission are byte level, and be can customize, and transmitted data amount is small, transmission data speed Soon, the stand-by period is short, and trading efficiency is high.

Below by drawings and examples, technical scheme of the present invention will be described in further detail.

Description of the drawings

The attached drawing of a part for constitution instruction describes the embodiment of the present invention, and together with description for explaining The principle of the present invention.

The present invention can be more clearly understood according to following detailed description with reference to attached drawing, wherein：

Fig. 1 is flow of the mobile terminal of the present invention by method one embodiment of P2P mode transmission process transaction data Figure.

Fig. 2 is stream of the mobile terminal of the present invention by another embodiment of the method for P2P mode transmission process transaction data Cheng Tu.

Fig. 3 is structure of the mobile terminal of the present invention by system one embodiment of P2P mode transmission process transaction data Schematic diagram.

Fig. 4 is knot of the mobile terminal of the present invention by another embodiment of the system of P2P mode transmission process transaction data Structure schematic diagram.

Specific implementation mode

Carry out the various exemplary embodiments of detailed description of the present invention now with reference to attached drawing.It should be noted that：Unless in addition having Body illustrates that the unlimited system of component and the positioned opposite of step, numerical expression and the numerical value otherwise illustrated in these embodiments is originally The range of invention.

Simultaneously, it should be appreciated that for ease of description, the size of attached various pieces shown in the drawings is not according to reality Proportionate relationship draw.

It is illustrative to the description only actually of at least one exemplary embodiment below, is never used as to the present invention And its application or any restrictions that use.

Technology, method and apparatus known to person of ordinary skill in the relevant may be not discussed in detail, but suitable In the case of, the technology, method and apparatus should be considered as part of specification.

In shown here and discussion all examples, any occurrence should be construed as merely illustrative, without It is as limitation.Therefore, the other examples of exemplary embodiment can have different values.

It should be noted that：Similar label and letter indicate similar terms in following attached drawing, therefore, once a certain Xiang Yi It is defined, then it need not be further discussed in subsequent attached drawing in a attached drawing.

Currently, with wireless near field communication (NFC) and WLAN (WiFi) skill based on IEEE802.11b standards The maturation of art, NFC are widely used with WiFi technology.The mobile terminal P2P payment productions being connect with WiFi based on NFC Product have been used for the daily gathering of trade company at present.The embodiment of the present invention between two (user and trade company) mobile terminals by using NFC communication transmits unpaired message and establishes WiFi connections completes transaction to transmit transaction data and carry out subsequent processing.The present invention The system that embodiment provides makes a kind of letter by facility, high speed and the anti-interference for making full use of NFC pairings to be connected with WiFi Single convenient, safe near field payment software product.

Fig. 1 is flow of the mobile terminal of the present invention by method one embodiment of P2P mode transmission process transaction data Figure.As described in Figure 1, which includes by the method for P2P mode transmission process transaction data：

110, detect that first movement terminal crashes with the second mobile terminal, the first NFC in first movement terminal The second NFC unit in unit and the second mobile terminal establishes P2P communication ports.

120, the first client of setting is coupled in first movement terminal by P2P communication ports from obtaining the second movement eventually The second client that setting is coupled in end obtains the identification information of the second mobile terminal, wherein the mark of mobile terminal is uniquely marked Know a mobile terminal or mobile terminal user, the mark of the second mobile terminal is whole from second movement in advance by the second client It is read in the subscriber identification card (for example, SIM card, UIM cards etc.) that end or second mobile terminal use, can be mobile whole Hardware identifier etc. in the phone number of end subscriber, user's name, mobile terminal.

130, the first client obtains the short range communication characteristic of the first short-range communication unit in first movement terminal, and By P2P communication ports to the second client transmissions short range communication characteristic.

Short-range communication unit therein includes WiFi units or bluetooth unit.It is short when short-range communication unit is WiFi units Journey communication feature data include needing to do the second client identification responded and WiFi characteristics；Short-range communication unit is bluetooth When unit, short range communication characteristic includes needing to do the second client identification responded and bluetooth characteristic.It is therein WiFi characteristics or bluetooth characteristic include the media access control address (MAC) and the port numbers of first movement terminal.

140, after the second client receives short range communication characteristic, indicate that the second short distance in the second mobile terminal is logical Believe that unit searches for the short range communication broadcast of the first short-range communication unit according to the short range communication characteristic.

With short-range communication unit be WiFi units or bluetooth unit correspondingly, short range communication broadcast herein mutually should be WiFi Broadcast or Bluetooth broadcast.

150, the second short-range communication unit searches the short distance of the first short-range communication unit according to short range communication characteristic After communication broadcast, the second client indicates that the second short-range communication unit is established short range communication with the first short-range communication unit and connect.

With short-range communication unit be WiFi units or bluetooth unit correspondingly, it is direct-connected that short range communication herein is connected as WiFi Or bluetooth connection.

160, the first client is based on order information input by user, and the Send only Account type in order information is single line It when communications protocol (SWP) Payment Card is paid, is connected by short range communication, information exchange is carried out with the second client, by the second visitor Read the SWP payment card informations that setting is coupled in the second mobile terminal in family end.

170, the first client is connect with the second client by short range communication, is believed based on order information and SWP Payment Cards Breath carries out the transmission process of order transaction data.

Fig. 2 is stream of the mobile terminal of the present invention by another embodiment of the method for P2P mode transmission process transaction data Cheng Tu.As shown in Fig. 2, the embodiment mobile terminal includes by the method for P2P mode transmission process transaction data：

210, the first client in first movement terminal receives order information input by user, which includes handing over The easy amount of money, Send only Account type and type of transaction information.

Type of transaction therein includes offline transaction or online transaction.Send only Account type therein can be SWP payments Card payment, bank card payment, Alipay payment etc..

Wherein, there is no execution sequences to limit between the operation 210 and operation 220~280, only need to be before operation 290 Execution, the present embodiment only provide one of which example.

220, detect that first movement terminal crashes with the second mobile terminal, the first NFC in first movement terminal Unit and the second NFC unit in the second mobile terminal establish the in P2P communication ports and corresponding notice first movement terminal One client and the second client in the second mobile terminal.

230, the first client is aobvious by the screen of first movement terminal and the second mobile terminal respectively with the second client Show that transmission data prompts.

240, the first client receives the short range communication characteristic that user is inputted by the interactive interface of first movement terminal It is indicated according to sending, the second client for coupling setting from the second mobile terminal by P2P communication ports obtains the second movement eventually The identification information at end.

250, the first client obtains the short range communication characteristic of the first short-range communication unit in first movement terminal, and By P2P communication ports to the second client transmissions short range communication characteristic.

Short-range communication unit therein includes WiFi units or bluetooth unit.It is short when short-range communication unit is WiFi units Journey communication feature data include needing to do the second client identification responded and WiFi characteristics；Short-range communication unit is bluetooth When unit, short range communication characteristic includes needing to do the second client identification responded and bluetooth characteristic.It is therein WiFi characteristics or bluetooth characteristic include the MAC Address and port numbers of first movement terminal.

260, the first short-range communication unit establishes short range communication broadcast.

Wherein, there is no execution sequences to limit between the operation 260 and operation 210~250, only need to be in the second mobile terminal In the second short-range communication unit search for short range communication broadcast before establish, the present embodiment only provides one of which and shows Example.

270, after the second client receives short range communication characteristic, indicate that the second short distance in the second mobile terminal is logical Believe that unit searches for the short range communication broadcast of the first short-range communication unit according to the short range communication characteristic.

With short-range communication unit be WiFi units or bluetooth unit correspondingly, short range communication broadcast herein mutually should be WiFi Broadcast or Bluetooth broadcast.

280, the second short-range communication unit searches the short distance of the first short-range communication unit according to short range communication characteristic After communication broadcast, the second client indicates that the second short-range communication unit is established short range communication with the first short-range communication unit and connect.

With short-range communication unit be WiFi units or bluetooth unit correspondingly, it is direct-connected that short range communication herein is connected as WiFi Or bluetooth connection.

290, the first client is based on order information input by user, and the Send only Account type in order information is SWP It when Payment Card is paid, is connected by short range communication, information exchange is carried out with the second client, read second by the second client and move The SWP payment card informations of setting are coupled in dynamic terminal.

300, the first client is connect with the second client by short range communication, is believed based on order information and SWP Payment Cards Breath carries out the transmission process of order transaction data.

Specifically shown by one of the embodiment of the method for P2P mode transmission process transaction data according to mobile terminal of the present invention Example and it is unrestricted, operation 140 or 270 in, the second client indicate the second short-range communication unit built with the first short-range communication unit Vertical short range communication connection can be realized in the following way：

Second client is after the second short-range communication unit searches the short range communication broadcast of the first short-range communication unit, and the Two clients send to the second short-range communication unit and establish the connection instruction that short range communication is connect with the first short-range communication unit；

Second short-range communication unit sends short range communication connection request to the first short-range communication unit, is moved including second The identification information of dynamic terminal；

Short range communication connection request is transmitted to the first client by the first short-range communication unit, and is receiving the first client End return allow establish short range communication connection instruction after, allow the second short-range communication unit access, to the second short distance Communication unit establishes short range communication connection.

Wherein, it after short range communication connection request is transmitted to the first client by the first short-range communication unit, can also wrap It includes：

First client is connected with short range communication by the screen display short range communication connection request of first movement terminal and is asked The identification information of the second client in asking；First client receives what user was inputted by the interactive interface of first movement terminal After the instruction for agreeing to connection, the instruction for allowing to establish short range communication and connecting is sent to the first short-range communication unit；Or

The identifying whether of the second mobile terminal in first client validation short range communication connection request passes through P2P with this The mark for the second mobile terminal that communication port is got is consistent；If the two is consistent, being sent to the first short-range communication unit allows Establish the instruction of short range communication connection.

In one specific embodiment of method that the above-mentioned mobile terminal of the present invention passes through P2P mode transmission process transaction data In, when type of transaction is offline transaction, operation 170 or 300 can specifically be realized in the following way：

First client is established socket (Socket) with the second client by short range communication connection and is connect, to the second visitor Family end sends SWP payment card information file identifications, and the SWP payment card information file identifications are for identifying storage SWP Payment Cards letter The file of breath；

The SWP payment card information file identifications that second client is sent according to the first client, from the second mobile terminal SWP payment card informations are read in SWP Payment Cards and return to the first client, SWP payment card informations packet therein using Socket Include account information of user, such as user account number, account available balance etc.；

First client sends initialization trading instruction, the initialization trading instruction packet using Socket to the second client Cipher key index number, transaction amount, type of transaction and terminating machine number are included, terminating machine number therein is first movement terminal conduct The number of terminating machine；Cipher key index number therein is the first client according to preset rules (such as the transaction count according to processing Cipher key index number in sequential selection cipher key index list or the random selection cipher key index number from cipher key index list) Cipher key index number selected to use；

Second client is transmitted to SWP Payment Cards by trading instruction is initialized；

The inquiry of SWP Payment Cards is with the presence or absence of (i.e.：It is stored with) initialize the corresponding consumption of cipher key index number in trading instruction Whether the account available balance in key and SWP payment card informations is more than the transaction amount in initialization trading instruction；SWP Consumption key and its cipher key index information are stored in Payment Card；

If there are the corresponding consumption key of cipher key index number and account available balance is more than the friendship in initialization trading instruction The easy amount of money, SWP Payment Cards return to initialization transaction response message to the second client, and initialization transaction response message includes Account available balance, this transaction transaction serial number in the SWP payment card transactions, the limit of overdrawn account in SWP payment card informations, Algorithm identifies and pseudo random number；

Second client sends initialization transaction response message using Socket to the first client；

First client identifies institute using the corresponding consumption key of cipher key index number, algorithm in initialization transaction response message The algorithm of mark is encrypted transaction amount, type of transaction, terminating machine number, trade date, exchange hour with pseudo random number, The first encryption information is obtained, and trading instruction is sent to the second client using Socket, which includes transaction sequence Number, trade date, exchange hour and the first encryption information；Also consumption key and its cipher key index number are stored in first client Information；

Trading instruction is transmitted to SWP Payment Cards by the second client；

SWP Payment Cards identify institute using the corresponding consumption key of cipher key index number, algorithm in initialization transaction response message The algorithm and pseudo random number of mark, to transaction amount, type of transaction, terminating machine number, the Yi Jijiao in initialization trading instruction Trade date and exchange hour easily in instruction are encrypted, and obtain the second encryption information；

SWP Payment Cards compare the first encryption information in trading instruction and whether the second encryption information is consistent；

If the first encryption information is consistent with the second encryption information, SWP Payment Cards deduct phase from the account of the SWP Payment Cards The transaction amount answered identifies identified algorithm and pseudo random number using the corresponding consumption key of above-mentioned cipher key index number, algorithm Transaction amount, type of transaction, terminating machine number, transaction serial number, trade date and exchange hour are encrypted, third is obtained and adds Confidential information, and transaction amount is encrypted, transaction amount encryption information is obtained, and transaction response is returned to the second client Message, the transaction response message include third encryption information and transaction amount encryption information；

Second client sends transaction response message using Socket to the first client；

First client is by coupling the point of sales terminal secure access module (PSAM) of setting in first movement terminal, profit Identified algorithm is identified with pseudo random number to the friendship in order information with the corresponding consumption key of above-mentioned cipher key index number, algorithm The easy amount of money is encrypted, and whether compares the transaction amount encryption information in the encryption information and transaction response message that encryption obtains Unanimously；

If consistent, by verification, this merchandises successfully transaction amount encryption information；Otherwise, if inconsistent, transaction amount adds Confidential information is not verified, this Fail Transaction；

PSAM returns to the results messages of transaction success or failure to the first client；

First client sends the results messages of transaction success or failure using Socket to the second client.

In this embodiment, Socket connections are established between both sides' client, and SWP payment card information texts are read by client Part sends initialization trading instruction and trading instruction and obtains instruction execution result, transaction is finally completed, using NFC and WiFi Short range communication connects the mode being combined, and only needs once to crash between two mobile terminals.Furthermore it is also possible to only rely on NFCP2P patterns carry out above- mentioned information interaction, then need to be crashed three times between two mobile terminals.

In one specific embodiment of method that the above-mentioned mobile terminal of the present invention passes through P2P mode transmission process transaction data In, when type of transaction is online transaction, operation 170 or 300 can specifically be realized in the following way：

First client is established socket Socket with the second client by short range communication connection and is connect, to the second client End sends SWP payment card information file identifications；

Second client is according to SWP payment card information file identifications, from being read in SWP Payment Cards in the second mobile terminal SWP payment card informations simultaneously return to the first client using Socket, which includes account information；

First client indicates that PSAM uses the private key pair in the first public private key pair appointed in advance with payment platform the One trading information data packet is encrypted, and obtains the first digital signature.First trading information data packet therein includes account letter Breath, transaction amount, type of transaction and terminating machine number information, terminating machine number is volume of the first movement terminal as terminating machine Number；

First client sends on-line transaction request to payment platform, and on-line transaction request includes the first Transaction Information number According to packet and the first digital signature；

Payment platform uses the first digital signature of public key pair in above-mentioned first public private key pair appointed in advance with PSAM It is decrypted to obtain the second trading information data packet, and compare the second trading information data packet and the first trading information data packet to be It is no consistent；

If the second trading information data packet is consistent with the first trading information data packet, payment platform carries out on-line transaction, from Transaction amount is deducted in account information, and is merchandised to third using the private key in the second public private key pair appointed in advance with PSAM Information packet is encrypted, and obtains the second number label.Third trading information data packet therein includes account information, trade gold Volume, type of transaction, terminating machine number, transaction serial number, trade date and exchange hour；

Payment platform returns to on-line transaction response to the first client, and on-line transaction response includes third Transaction Information Data packet and the second digital signature；

First client instruction PSAM uses the public key in above-mentioned second public private key pair appointed in advance with payment platform Second digital signature is decrypted, the 4th trading information data packet is obtained, and compares the 4th trading information data packet and third Whether trading information data packet is consistent；

If the 4th trading information data packet is consistent with third trading information data packet, merchandise successfully, PSAM storages the 4th are handed over Easy information packet；Otherwise, if it is inconsistent, Fail Transaction；

PSAM returns to the results messages of transaction success or failure to the first client；

First client sends the results messages of transaction success or failure using Socket to the second client.

Lattice as defined in 8583 agreements specifically may be used in the message format of each trading information data packet in above-described embodiment Formula.

In above-described embodiment, the first client can specifically pass through Secure Hypertext Transfer Protocol (Hypertext Transfer Protocol Secure, HTTPS) and payment platform progress information exchange, to ensure interactive information transmission Safety and correctness.

In mobile terminal of the present invention is by the method for P2P mode transmission process transaction data another embodiment, first After client receives the results messages of transaction success or failure, it is logical to also can indicate that the first short-range communication unit closes short distance Letter broadcast, to disconnect the connection of the short range communication between the first short-range communication unit and the second short-range communication unit.

One of ordinary skill in the art will appreciate that：Realize that all or part of step of above method embodiment can pass through The relevant hardware of program instruction is completed, and program above-mentioned can be stored in a computer read/write memory medium, the program When being executed, step including the steps of the foregoing method embodiments is executed；And storage medium above-mentioned includes：ROM, RAM, magnetic disc or light The various media that can store program code such as disk.

Fig. 3 is structure of the mobile terminal of the present invention by system one embodiment of P2P mode transmission process transaction data Schematic diagram.The system of the embodiment can be used for realizing the flow of the above-mentioned each method embodiment of the present invention.As shown in Figure 3 comprising First movement terminal and the second mobile terminal.Wherein, the first NFC unit, the first client, are provided in first movement terminal One short-range communication unit and PSAM.The second NFC unit, the second client, the second short range communication are provided in second mobile terminal Unit and SWP Payment Cards, the SWP Payment Cards include SWP payment card informations, and SWP payment card informations include account information；Short distance Communication unit includes WiFi units or bluetooth unit.Wherein：

First NFC unit and the second NFC unit, for detecting first movement terminal and the generation pair of the second mobile terminal When touching, P2P communication ports are established between the first NFC unit and the second NFC unit.

First client, the identification information for obtaining the second mobile terminal from the second client by P2P communication ports, Wherein, one mobile terminal of the mark unique mark of the second mobile terminal or mobile terminal user；And it obtains the first short distance and leads to Believe the short range communication characteristic of unit, and is wrapped to the second client transmissions short range communication characteristic by P2P communication ports It includes needs and does the second client identification responded and WiFi characteristics or bluetooth characteristic, WiFi characteristics therein Or bluetooth characteristic includes the MAC Address and port numbers of first movement terminal；And in the first short-range communication unit and second After short-range communication unit establishes short range communication connection, it is based on order information input by user, the Send only Account in order information It when type is that SWP Payment Cards are paid, is connected by short range communication, carries out information exchange with the second client, ask the second client Read the SWP payment card informations that setting is coupled in the second mobile terminal in end；

Second client, for reading the second mobile terminal from the second mobile terminal or its subscriber identification card used Identification information；After receiving short range communication characteristic, the second short-range communication unit of instruction is according to short range communication characteristic According to the short range communication broadcast of the first short-range communication unit of search, including WiFi broadcast or Bluetooth broadcast；And in the second short range communication After unit searches to the short range communication broadcast of the first short-range communication unit, the second short-range communication unit of instruction and the first short range communication Unit establishes short range communication connection, including WiFi is direct-connected or bluetooth connection；And read second according to the instruction of the first client The SWP payment card informations side that setting is coupled in mobile terminal is sent to the first client；And pass through short distance with the first client Communication connection carries out the transmission process of order transaction data based on order information and SWP payment card informations.

First short-range communication unit, for establishing short range communication broadcast.

Second short-range communication unit, the short distance for searching for the first short-range communication unit according to short range communication characteristic are logical Letter broadcast.

In mobile terminal of the present invention by another embodiment of the system of P2P mode transmission process transaction data, One client is additionally operable to after the first NFC unit and the second NFC unit establish P2P communication ports, passes through first movement terminal Screen display transmission data prompts；And receive the short range communication feature that user is inputted by the interactive interface of first movement terminal Data send instruction, then execute the operation for the short range communication characteristic for obtaining first movement terminal medium or short range communication unit. Correspondingly, the second client is additionally operable to after the second NFC unit and the first NFC unit establish P2P communication ports, is moved by second The screen display transmission data prompt of dynamic terminal.

Specifically, the second client indicates that the second short-range communication unit establishes short range communication company with the first short-range communication unit When connecing, after the short range communication specifically for searching the first short-range communication unit in the second short-range communication unit is broadcasted, to second Short-range communication unit is sent establishes the connection instruction that short range communication is connect with the first short-range communication unit.Correspondingly, the second short distance Communication unit is specifically used for sending short range communication connection request to the first short-range communication unit, and short range communication connection request includes The identification information of second mobile terminal；First short-range communication unit, specifically for short range communication connection request is transmitted to first Client, and receive the return of the first client allow to establish the instruction of short range communication connection after, allow the second short distance logical Believe unit access, is connect to establish short range communication with the second short-range communication unit.

In a specific example, the first client can be additionally used in after receiving short range communication connection request, pass through The mark of the second client in the screen display short range communication connection request of one mobile terminal and the short range communication connection request Information；And after receiving the instruction of agreement connection of interactive interface input of the user by first movement terminal, to the first short distance Communication unit sends the instruction for allowing to establish short range communication connection.

In another specific example, the first client is additionally operable to after receiving short range communication connection request, and verification is short The identification information of the second client in journey communication connection request whether with this by P2P communication ports get second move The identification information of dynamic terminal is consistent；If the two is consistent, being sent to the first short-range communication unit allows to establish what short range communication connected Instruction.

In mobile terminal of the present invention by another embodiment of the system of P2P mode transmission process transaction data, One client can also be used to receive order information input by user, the order information include transaction amount, Send only Account type with Type of transaction information, type of transaction therein include offline transaction or online transaction.

It is specific by one of the system embodiment of P2P mode transmission process transaction data in the above-mentioned mobile terminal of the present invention In example, type of transaction is offline transaction；It is provided with PSAM in first client.Correspondingly, in the embodiment, with the first client End is connected by short range communication, when carrying out the transmission process of order transaction data based on order information and SWP payment card informations：

First client is connect specifically for establishing socket Socket with the second client by short range communication connection, SWP payment card information file identifications are sent to the second client；And when receiving SWP payment card informations, use Socket Initialization trading instruction is sent to the second client, which includes cipher key index number, transaction amount, transaction class Type and terminating machine number, terminating machine number therein is number of the first movement terminal as terminating machine；Receive the second client The initialization transaction response message of transmission, initialization transaction response message include account available balance, this transaction in SWP Transaction serial number in payment card transaction, the limit of overdrawn account in SWP payment card informations, algorithm mark and pseudo random number；And it utilizes The corresponding consumption key of cipher key index number, algorithm identify identified algorithm and pseudo random number pair in initialization transaction response message Transaction amount, type of transaction, terminating machine number, trade date, exchange hour are encrypted, and obtain the first encryption information, and make With Socket to the second client send trading instruction, the trading instruction include merchandise serial number, trade date, exchange hour and First encryption information；And the second visitor is transmitted to the results messages for the transaction success or failure for sending PSAM using Socket Family end.

Second client is specifically used for the SWP payment card information file identifications sent according to the first client, is moved from second SWP payment card informations are read in the SWP Payment Cards of dynamic terminal and return to the first client using Socket；First client is sent out The initialization trading instruction sent is transmitted to SWP Payment Cards；It is sent to the forwarding of the first client by SWP Payment Cards using Socket Initialization transaction response message；Trading instruction is transmitted to SWP Payment Cards；And receive the transaction response that SWP Payment Cards are sent Message is simultaneously transmitted to the first client using Socket, which includes that third encryption information adds with transaction amount Confidential information.

SWP Payment Cards, for when receiving initialization trading instruction, inquiry to be with the presence or absence of in the initialization trading instruction Whether the account available balance in the corresponding consumption key of cipher key index number and SWP payment card informations, which is more than the initialization, is handed over Transaction amount easily in instruction；If there are the corresponding consumption key of cipher key index number and account available balances to be more than transaction amount, Initialization transaction response message is returned to the second client；And utilize cipher key index correspondence in initialization transaction response message Consumption key, algorithm identify identified algorithm and pseudo random number, to the transaction amount in initialization trading instruction, transaction class Type, terminating machine number and the trade date in trading instruction and exchange hour are encrypted, and obtain the second encryption information；Than Compared in trading instruction the first encryption information and the second encryption information it is whether consistent；If the first encryption information and the second encryption information Unanimously, corresponding transaction amount is deducted from the account of the SWP Payment Cards, it is close using the corresponding consumption of above-mentioned cipher key index number Key, algorithm identify identified algorithm and pseudo random number to transaction amount, type of transaction, terminating machine number, transaction serial number, transaction Date and exchange hour are encrypted, and obtain third encryption information, and transaction amount is encrypted, obtain transaction amount and add Confidential information, and return to transaction response message to the second client.

PSAM, for using the corresponding consumption key of above-mentioned cipher key index number, algorithm identify identified algorithm with it is pseudo- with The transaction amount in order information is encrypted in machine number, and compares the encryption information that encryption obtains and received with the first client Transaction amount encryption information it is whether consistent；If consistent, by verification, this merchandises successfully the transaction amount encryption information；It is no Then, if inconsistent, transaction amount encryption information is not verified, this Fail Transaction；And it returns and merchandises to the first client The results messages of success or failure.

Fig. 4 is knot of the mobile terminal of the present invention by another embodiment of the system of P2P mode transmission process transaction data Structure schematic diagram.Compared with above-described embodiment, the type of transaction in the embodiment is online transaction, and correspondingly, which is It further include payment platform in system.It in the embodiment, is connect by short range communication with the first client, is based on order information and SWP When payment card information carries out the transmission process of order transaction data：

First client is connect specifically for establishing Socket with the second client by short range communication connection, to second Client sends SWP payment card information file identifications；Instruction PSAM uses the appointed in advance with payment platform first public and private key Private key pair the first trading information data packet of centering is encrypted, and obtains the first digital signature, and online to payment platform transmission Transaction request, on-line transaction request include the first trading information data packet and the first digital signature, the first transaction letter therein Breath data packet includes account information, transaction amount, type of transaction and terminating machine number information, and terminating machine number therein is first Number of the mobile terminal as terminating machine；And instruction PSAM is used in the second public private key pair appointed in advance with payment platform Public key on-line transaction response that payment platform is returned in the second digital signature be decrypted, obtain the 4th Transaction Information number According to packet, and compare the 4th trading information data packet and whether third trading information data packet is consistent；And using Socket to the The results messages of two client transmitted transaction success or failures.

PSAM uses the appointed in advance with payment platform second public and private key for being indicated according to the word of the first client The second digital signature of public key pair of centering is decrypted, and obtains the 4th trading information data packet, and compare the 4th Transaction Information number It is whether consistent with third trading information data packet according to wrapping；If the 4th trading information data packet and third trading information data packet one It causes, merchandises successfully, store the 4th trading information data packet；Otherwise, if it is inconsistent, Fail Transaction；And it is returned to the first client It is returned the results messages of easy success or failure.

Second client is specifically used for according to SWP payment card information file identifications, and SWP is paid from the second mobile terminal SWP payment card informations are read in card and return to the first client using Socket；

Payment platform, for using the first digital signature of public key pair in the first public private key pair appointed in advance with PSAM It is decrypted to obtain the second trading information data packet, and compare the second trading information data packet and the first trading information data packet to be It is no consistent；If the second trading information data packet is consistent with the first trading information data packet, on-line transaction is carried out, from account information Transaction amount is deducted, and using the private key in the second public private key pair appointed in advance with PSAM to third trading information data packet It is encrypted, obtains the second digital signature, and on-line transaction response is returned to the first client, on-line transaction response includes Third trading information data packet and the second digital signature, third trading information data packet include account information, transaction amount, transaction Type, terminating machine number, transaction serial number, trade date and exchange hour.

In system embodiment of the above-mentioned mobile terminal of the present invention by P2P mode transmission process transaction data, the first visitor Family end can be additionally used in after the results messages for receiving transaction success or failure, and it is logical that the first short-range communication unit of instruction closes short distance Letter broadcast, to disconnect the connection of the short range communication between the first short-range communication unit and the second short-range communication unit.

Each embodiment is described in a progressive manner in this specification, the highlights of each of the examples are with its The difference of its embodiment, same or analogous part cross-reference between each embodiment.For system embodiment For, since it is substantially corresponding with embodiment of the method, so description is fairly simple, referring to the portion of embodiment of the method in place of correlation It defends oneself bright.

Method, the system of the present invention may be achieved in many ways.For example, software, hardware, firmware or soft can be passed through Part, hardware, firmware any combinations come realize the present invention method and system.The said sequence of the step of for the method is only It is to illustrate, the step of method of the invention is not limited to sequence described in detail above, unless otherwise especially Explanation.In addition, in some embodiments, also the present invention can be embodied as to record program in the recording medium, these program bags It includes for realizing machine readable instructions according to the method for the present invention.Thus, the present invention also covers storage for executing according to this The recording medium of the program of the method for invention.

The embodiment of the present invention has following total intentional technique effect：

1, it is convenient to match：It is automatically performed matching operation by crashing between two mobile terminals, it is right manually not need user Pairing carries out any selection or setting, touching can be completed, convenient and time-saving, reduces the possibility of maloperation；

2, strong interference immunity：Noise requirements to payment environment and the hardware to the loud speaker of mobile terminal, microphone No requirement (NR) adapts to noisy environment, is not easy to be disturbed；

3, data transmission bauds is fast：Socket connection transmission datas are used between both parties, transmission speed is fast, when waiting Between it is short, trading efficiency is high, and user experience is good.

Description of the invention provides for the sake of example and description, and is not exhaustively or will be of the invention It is limited to disclosed form.Many modifications and variations are obvious for the ordinary skill in the art.It selects and retouches It states embodiment and is to more preferably illustrate the principle of the present invention and practical application, and those skilled in the art is enable to manage Various embodiments with various modifications of the solution present invention to design suitable for special-purpose.

Claims (17)

1. a kind of mobile terminal passes through the method for point-to-point (P2P) mode transmission process transaction data, which is characterized in that including：

Detect that first movement terminal crashes with the second mobile terminal, the first near radio in first movement terminal is logical Letter NFC unit establishes P2P communication ports with the second NFC unit in the second mobile terminal；

The first client that setting is coupled in first movement terminal couples setting by P2P communication ports from the second mobile terminal The second client obtain the identification information of second mobile terminal, wherein the mark unique mark one of the second mobile terminal A mobile terminal or mobile terminal user；

First client obtains the short range communication characteristic of the first short-range communication unit in the first movement terminal, and passes through P2P communication ports are to short range communication characteristic described in the second client transmissions；The short-range communication unit includes wireless local Net WiFi units or bluetooth unit, corresponding short range communication characteristic include need to do the second client identification responded and WiFi characteristics or bluetooth characteristic, the WiFi characteristics or bluetooth characteristic include the matchmaker of first movement terminal Body access control MAC address and port numbers；

After second client receives short range communication characteristic, the second short-range communication unit root in the second mobile terminal is indicated The short range communication broadcast of the first short-range communication unit is searched for according to the short range communication characteristic, including WiFi is broadcasted or bluetooth is wide It broadcasts；

Second short-range communication unit searches the short range communication of the first short-range communication unit according to the short range communication characteristic After broadcast, the second client indicates that the second short-range communication unit is established short range communication with the first short-range communication unit and connect, including WiFi is direct-connected or bluetooth connection；

First client is based on order information input by user, and the Send only Account type in order information is reached an agreement on for single-wire communication It when SWP Payment Cards are paid, is connected by the short range communication, carries out information exchange with the second client, read by the second client Take the SWP payment card informations that setting is coupled in the second mobile terminal；

First client is connect with the second client by the short range communication, based on order information and SWP payment card informations into The transmission process of row order transaction data.

2. according to the method described in claim 1, it is characterized in that, the first NFC unit establishes P2P with the second NFC unit communicates Behind channel, further include：

First client sends number by first movement terminal and the screen display of the second mobile terminal respectively with the second client According to prompt；

First client receives the short range communication characteristic transmission that user is inputted by the interactive interface of first movement terminal and refers to Show, then executes the short range communication characteristic that first client obtains the first movement terminal medium or short range communication unit Operation.

3. according to the method described in claim 1, it is characterized in that, further including：

First short-range communication unit establishes the operation of short range communication broadcast.

4. according to the method described in claim 1, it is characterized in that, the second client indicates the second short-range communication unit and first Short-range communication unit establishes short range communication connection：

Second client is after the second short-range communication unit searches the short range communication broadcast of the first short-range communication unit, the second visitor Family end sends to the second short-range communication unit and establishes the connection instruction that short range communication is connect with the first short-range communication unit；

Second short-range communication unit sends short range communication connection request to the first short-range communication unit, and the short range communication connection is asked Ask include the second mobile terminal identification information；

The short range communication connection request is transmitted to the first client by the first short-range communication unit, and is receiving the first client End return allow establish short range communication connection instruction after, allow the second short-range communication unit access, to the second short distance Communication unit establishes short range communication connection.

5. according to the method described in claim 4, it is characterized in that, first short-range communication unit connects the short range communication It connects request to be transmitted to after the first client, further includes：

Short range communication connection request is connected with the short range communication described in screen display of first client by first movement terminal The identification information of the second mobile terminal in request；It is defeated by the interactive interface of first movement terminal that first client receives user After the instruction of the agreement connection entered, the instruction for allowing to establish short range communication and connecting is sent to the first short-range communication unit；Or

The identifying whether of the second mobile terminal in short range communication connection request described in first client validation passes through P2P with this The mark for the second mobile terminal that communication port is got is consistent；If the two is consistent, being sent to the first short-range communication unit allows Establish the instruction of short range communication connection.

6. according to the method described in claim 4, it is characterized in that, further including：

First client receives the operation of order information input by user, and the order information includes transaction amount, Send only Account Type and type of transaction information；The type of transaction includes offline transaction or online transaction.

7. according to the method described in claim 6, it is characterized in that, when the type of transaction is offline transaction, described first is objective Family end is connect with the second client by the short range communication, and order transaction is carried out based on order information and SWP payment card informations The transmission process of data includes：

First client is established socket Socket with the second client by short range communication connection and is connect, to the second client End sends SWP payment card information file identifications；

Second client is according to the SWP payment card informations file identification, from being read in SWP Payment Cards in the second mobile terminal SWP payment card informations simultaneously return to the first client using Socket；The SWP payment card informations include account information；

First client sends initialization trading instruction using Socket to the second client, and the initialization trading instruction includes Cipher key index number, transaction amount, type of transaction and terminating machine number, the terminating machine number is the first movement terminal conduct The number of terminating machine；

The initialization trading instruction is transmitted to the SWP Payment Cards by the second client；

The SWP Payment Cards inquiry is believed with the presence or absence of the corresponding consumption key of the cipher key index number and the SWP Payment Cards Whether the account available balance in breath is more than the transaction amount；

If there are the corresponding consumption key of the cipher key index number and the account available balance is more than the transaction amount, institute It states SWP Payment Cards and returns to initialization transaction response message to the second client, initialization transaction response message includes described It is account available balance, this transaction serial number in the SWP payment card transactions of transaction, saturating in the SWP payment card informations Branch limit, algorithm mark and pseudo random number；

Second client sends the initialization transaction response message using Socket to the first client；

First client using the corresponding consumption key of the cipher key index number, the algorithm identify identified algorithm with it is pseudo- with The transaction amount, type of transaction, terminating machine number, trade date, exchange hour is encrypted in machine number, obtains the first encryption Information, and trading instruction is sent to the second client using Socket, the trading instruction includes the transaction serial number, transaction Date, exchange hour and first encryption information；

The trading instruction is transmitted to the SWP Payment Cards by the second client；

The SWP Payment Cards identify institute using the corresponding consumption key of cipher key index number, algorithm in initialization transaction response message The algorithm and pseudo random number of mark, to it is described initialization trading instruction in transaction amount, type of transaction, terminating machine number, with And trade date in the trading instruction and exchange hour are encrypted, and obtain the second encryption information；

Whether SWP Payment Cards first encryption information and second encryption information are consistent；

If first encryption information is consistent with second encryption information, the SWP Payment Cards deduct institute from the account Transaction amount is stated, identified algorithm and pseudorandom are identified using the corresponding consumption key of the cipher key index number, the algorithm It is several that transaction amount, type of transaction, terminating machine number, transaction serial number, trade date and exchange hour are encrypted, obtain third Encryption information, and the transaction amount is encrypted, transaction amount encryption information is obtained, and return and hand over to the second client Easy response message, the transaction response message include the third encryption information and the transaction amount encryption information；

Second client sends the transaction response message using Socket to the first client；

First client is by coupling the point of sales terminal secure access module PSAM of setting in first movement terminal, using described The corresponding consumption key of cipher key index number, the algorithm identify identified algorithm with pseudo random number to the transaction in order information The amount of money is encrypted, and compares the obtained encryption information of encryption and whether the transaction amount encryption information is consistent；

If consistent, the transaction amount encryption information passes through verification；Otherwise, if inconsistent, the transaction amount encryption information is not Pass through verification；

PSAM returns to the results messages of transaction success or failure to the first client；

First client sends the results messages of the transaction success or failure using Socket to the second client.

8. according to the method described in claim 6, it is characterized in that, when the type of transaction is online transaction, described first is objective Family end is connect with the second client by the short range communication, and order transaction is carried out based on order information and SWP payment card informations The transmission process of data includes：

First client is established socket Socket with the second client by short range communication connection and is connect, to the second client End sends SWP payment card information file identifications；

Second client is according to the SWP payment card informations file identification, from being read in SWP Payment Cards in the second mobile terminal SWP payment card informations simultaneously return to the first client using Socket；The SWP payment card informations include account information；

First client indicates that PSAM is handed over using the private key pair first in the first public private key pair appointed in advance with payment platform Easy information packet is encrypted, and obtains the first digital signature；The first trading information data packet include the account information, Transaction amount, type of transaction and terminating machine number information, the terminating machine number are the first movement terminal as terminating machine Number；

First client sends on-line transaction request to payment platform, and on-line transaction request includes the first trading information data packet With first digital signature；

The payment platform uses the public key pair first in first public private key pair appointed in advance with the PSAM Digital signature is decrypted to obtain the second trading information data packet, and the second trading information data packet and described first Whether trading information data packet is consistent；

If the second trading information data packet is consistent with the first trading information data packet, on-line transaction is carried out, payment is flat Platform deducts the transaction amount from the account information, and using in advance the second public private key pair appointed with the PSAM Private key third trading information data packet is encrypted, obtain the second digital signature, the third trading information data packet Include the account information, transaction amount, type of transaction, terminating machine number, transaction serial number, trade date and exchange hour；

The payment platform returns to on-line transaction response to first client, and on-line transaction response includes the third Trading information data packet and second digital signature；

First client indicates that the PSAM uses advance second public private key pair appointed with the payment platform In public key second digital signature is decrypted, obtain the 4th trading information data packet, and the 4th transaction Whether information packet and the third trading information data packet are consistent；

If the 4th trading information data packet is consistent with the third trading information data packet, merchandise successfully, PSAM stores institute State the 4th trading information data packet；Otherwise, if it is inconsistent, Fail Transaction；

PSAM returns to the results messages of transaction success or failure to the first client；

First client sends the results messages of the transaction success or failure using Socket to the second client.

9. method according to claim 7 or 8, which is characterized in that further include：

After first client receives the results messages of transaction success or failure, the first short-range communication unit of instruction closes short distance Communication broadcast, to disconnect the connection of the short range communication between the first short-range communication unit and the second short-range communication unit.

10. a kind of mobile terminal passes through the system of point-to-point (P2P) mode transmission process transaction data, which is characterized in that including First movement terminal and the second mobile terminal are provided with the first NFC unit, the first client, first short in first movement terminal Journey communication unit and PSAM are provided with the second NFC unit, the second client, the second short-range communication unit in the second mobile terminal With SWP Payment Cards, the SWP Payment Cards include SWP payment card informations, and the SWP payment card informations include account information；Institute It includes WiFi units or bluetooth unit to state the first short-range communication unit；Second short-range communication unit includes WiFi units or indigo plant Tooth unit；Wherein：

First NFC unit and second NFC unit, for detecting first movement terminal and the second mobile terminal hair When life crashes, P2P communication ports are established between the first NFC unit and the second NFC unit；

First client, for obtaining second mobile terminal from second client by P2P communication ports Identification information, wherein one mobile terminal of mark unique mark of the second mobile terminal or mobile terminal user；And obtain institute State the short range communication characteristic of the first short-range communication unit, and by P2P communication ports to short described in the second client transmissions Journey communication feature data, including need to do the second client identification responded and WiFi characteristics or bluetooth characteristic, institute State WiFi characteristics or bluetooth characteristic include first movement terminal MAC Address and port numbers；And in the first short distance Communication unit and the second short-range communication unit are established after short range communication connect, and are based on order information input by user, are believed in order It when Send only Account type in breath is that SWP Payment Cards are paid, is connected by the short range communication, with the second client into row information Interaction, the second client of request read the SWP payment card informations that setting is coupled in the second mobile terminal；

Second client, the user identity identification for being used from second mobile terminal or second mobile terminal Card reads the identification information of second mobile terminal；After receiving the short range communication characteristic, the second short distance is indicated The short range communication that communication unit searches for the first short-range communication unit according to the short range communication characteristic is broadcasted, including WiFi wide It broadcasts or Bluetooth broadcast；And after the second short-range communication unit searches the short range communication broadcast of the first short-range communication unit, instruction Second short-range communication unit is established short range communication with the first short-range communication unit and is connect, including WiFi is direct-connected or bluetooth connection；With And the first visitor is sent to according to the SWP payment card informations side for coupling setting in instruction the second mobile terminal of reading of the first client Family end；And connect by the short range communication with the first client, order is carried out based on order information and SWP payment card informations The transmission process of transaction data；

First short-range communication unit, for establishing short range communication broadcast；

Second short-range communication unit, for searching for the short of the first short-range communication unit according to the short range communication characteristic Journey communication broadcast.

11. system according to claim 10, which is characterized in that first client is additionally operable in the first NFC unit After establishing P2P communication ports with the second NFC unit, prompted by the screen display transmission data of first movement terminal；And it connects It receives user and instruction is sent by the short range communication characteristic that the interactive interface of first movement terminal inputs, then obtained described in execution Take the operation of the short range communication characteristic of the first movement terminal medium or short range communication unit；

Second client is additionally operable to after the second NFC unit and the first NFC unit establish P2P communication ports, passes through second The screen display transmission data of mobile terminal prompts.

12. system according to claim 10, which is characterized in that the second client indicates the second short-range communication unit and the When one short-range communication unit establishes short range communication connection, specifically for searching the first short range communication in the second short-range communication unit After the short range communication broadcast of unit, short range communication is established with the first short-range communication unit to the transmission of the second short-range communication unit and connect Connection instruction；

Second short-range communication unit is specifically used for sending short range communication connection request to the first short-range communication unit, described Short range communication connection request includes the identification information of the second mobile terminal；

First short-range communication unit, specifically for the short range communication connection request is transmitted to the first client, and Receive the first client return allow establish short range communication connection instruction after, allow the second short-range communication unit access, It is connect to establish short range communication with the second short-range communication unit.

13. system according to claim 12, which is characterized in that first client is additionally operable to described in receiving After short range communication connection request, short range communication connection request and the short distance described in the screen display by first movement terminal are logical Believe the identification information of the second mobile terminal in connection request；And reception user is defeated by the interactive interface of first movement terminal After the instruction of the agreement connection entered, the instruction for allowing to establish short range communication and connecting is sent to the first short-range communication unit；Or

First client, for verifying identifying whether and this for the second mobile terminal in the short range communication connection request The mark of secondary the second mobile terminal got by P2P communication ports is consistent；If the two is consistent, to the first short-range communication unit Sending allows to establish the instruction of short range communication connection.

14. system according to claim 13, which is characterized in that first client is additionally operable to receive user's input Order information, the order information includes transaction amount, Send only Account type and type of transaction information；The type of transaction packet Include offline transaction or online transaction.

15. system according to claim 14, which is characterized in that the type of transaction is offline transaction；

It is described to be connect by the short range communication with the first client, order is carried out based on order information and SWP payment card informations When the transmission process of transaction data：

First client connects specifically for establishing socket Socket with the second client by short range communication connection It connects, SWP payment card information file identifications is sent to the second client；And when receiving SWP payment card informations, use Socket sends initialization trading instruction to the second client, and the initialization trading instruction includes cipher key index number, trade gold Volume, type of transaction and terminating machine number, the terminating machine number is number of the first movement terminal as terminating machine；It receives The initialization transaction response message that second client is sent, initialization transaction response message include that the account is available remaining Volume, this transaction serial number of the transaction in the SWP payment card transactions, the limit of overdrawn account in the SWP payment card informations, algorithm Mark and pseudo random number；And identify identified algorithm using the corresponding consumption key of the cipher key index number, the algorithm The transaction amount, type of transaction, terminating machine number, trade date, exchange hour are encrypted with pseudo random number, obtain One encryption information, and trading instruction is sent to the second client using Socket, the trading instruction includes the transaction sequence Number, trade date, exchange hour and first encryption information；And using Socket to PSAM is sent transaction success or The results messages of failure are transmitted to the second client；

Second client is specifically used for according to the SWP payment card informations file identification, the SWP from the second mobile terminal SWP payment card informations are read in Payment Card and return to the first client using Socket；And the first client is sent first Beginningization trading instruction is transmitted to the SWP Payment Cards；And it is forwarded to the first client by the SWP Payment Cards using Socket The initialization transaction response message of transmission；And the trading instruction is transmitted to the SWP Payment Cards；Receive the SWP branch It pays the transaction response message that card is sent and is transmitted to the first client using Socket, the transaction response message includes third Encryption information and transaction amount encryption information；

The SWP Payment Cards, for when receiving initialization trading instruction, inquiry to whether there is the cipher key index correspondence Consumption key and the SWP payment card informations in account available balance whether be more than the transaction amount；If there are institute It states the corresponding consumption key of cipher key index number and the account available balance is more than the transaction amount, returned to the second client Return the initialization transaction response message；And it is close using the corresponding consumption of cipher key index number in initialization transaction response message Key, algorithm identify identified algorithm and pseudo random number, in the initialization trading instruction transaction amount, type of transaction, Terminating machine number and the trade date in the trading instruction and exchange hour are encrypted, and obtain the second encryption information；Than Whether first encryption information and second encryption information are consistent；If first encryption information is encrypted with described second Information is consistent, and the transaction amount is deducted from the account, utilizes the corresponding consumption key of the cipher key index number, the calculation Method identifies identified algorithm with pseudo random number to transaction amount, type of transaction, terminating machine number, transaction serial number, trade date It is encrypted with exchange hour, obtains third encryption information, and the transaction amount is encrypted, obtain transaction amount and add Confidential information, and return to the transaction response message to the second client；

The PSAM, for using the corresponding consumption key of the cipher key index number, the algorithm identify identified algorithm with The transaction amount in order information is encrypted in pseudo random number, and compares the encryption information that encryption obtains and terminated with the first client Whether the transaction amount encryption information received is consistent；If consistent, the transaction amount encryption information passes through verification；Otherwise, If inconsistent, the transaction amount encryption information is not verified；And return to transaction success or failure to the first client Results messages.

16. system according to claim 14, which is characterized in that the type of transaction is online transaction；The system is also Including payment platform；

It is described to be connect by the short range communication with the first client, order is carried out based on order information and SWP payment card informations When the transmission process of transaction data：

First client is connect specifically for establishing Socket with the second client by short range communication connection, to Second client sends SWP payment card information file identifications；Indicate that PSAM is public using appointed in advance with payment platform first Private key pair the first trading information data packet of private key pair is encrypted, and obtains the first digital signature, and send to payment platform On-line transaction is asked, and on-line transaction request includes the first trading information data packet and first digital signature, and described first Trading information data packet includes the account information, transaction amount, type of transaction and terminating machine number information, and the terminating machine is compiled Number be number of the first movement terminal as terminating machine；And the instruction PSAM using in advance with the payment platform about The second digital signature in the on-line transaction response that public key in the second public private key pair set returns to payment platform solves It is close, the 4th trading information data packet is obtained, and the 4th trading information data packet is with third trading information data packet It is no consistent；And use results messages of the Socket to the second client transmitted transaction success or failure；

The PSAM uses advance described the appointed with the payment platform for being indicated according to the word of the first client Second digital signature is decrypted in public key in two public private key pairs, obtains the 4th trading information data packet, and compare institute It states the 4th trading information data packet and whether the third trading information data packet is consistent；If the 4th trading information data packet It is consistent with the third trading information data packet, it merchandises successfully, stores the 4th trading information data packet；Otherwise, if differing It causes, Fail Transaction；And the results messages of transaction success or failure are returned to the first client；

Second client is specifically used for according to the SWP payment card informations file identification, the SWP from the second mobile terminal SWP payment card informations are read in Payment Card and return to the first client using Socket；

The payment platform, for using the public key pair in first public private key pair appointed in advance with the PSAM First digital signature is decrypted to obtain the second trading information data packet, and the second trading information data packet with it is described Whether the first trading information data packet is consistent；If the second trading information data packet and the first trading information data packet one It causes, carries out on-line transaction, the transaction amount is deducted from the account information, and appointed using the advance and PSAM The third trading information data packet is encrypted in private key in second public private key pair, obtains the second digital signature, and to institute State the first client and return to on-line transaction response, on-line transaction response include the third trading information data packet with it is described Second digital signature, the third trading information data packet include the account information, transaction amount, type of transaction, terminating machine Number, transaction serial number, trade date and exchange hour.

17. system according to claim 15 or 16, which is characterized in that first client is additionally operable to receiving After the results messages for success or failure of merchandising, the first short-range communication unit of instruction closes short range communication broadcast, to disconnect first Short range communication connection between short-range communication unit and the second short-range communication unit.