CN105574721B - Consume quick payment method in market based on near-field communication - Google Patents
Consume quick payment method in market based on near-field communication Download PDFInfo
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- CN105574721B CN105574721B CN201510968782.2A CN201510968782A CN105574721B CN 105574721 B CN105574721 B CN 105574721B CN 201510968782 A CN201510968782 A CN 201510968782A CN 105574721 B CN105574721 B CN 105574721B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
Abstract
The present invention relates to based on near-field communication market consume quick payment method, for move NFC intelligent terminal, visa mechanism, Third-party payment platform, bank account management platform, market NFC settlement terminal, NFC relaying fusion center and market in N number of NFC link terminal, positioned at merchandise outlet M anti-theft prompt terminal composition market consumption system.Consumer only needs using after mobile NFC intelligent terminal items scanning information, it is relayed using the optimum N FC in market, the data transmission between mobile NFC intelligent terminal and market NFC settlement terminal can be completed, safely, transaction is quickly completed, it does not need to be lined up again and settle accounts to purchased commodity, not only it ensure that the safety of Transaction Information, but also greatly improved the consumption and payment efficiency in market.
Description
Technical field
The present invention relates to near-field communication payment technical fields more particularly to a kind of market based on near-field communication to consume quick payment
Method.
Background technique
In recent years, with the development of economy and the emergence of extensive stock, miscellaneous commodity have laid out market
Tank bracket.Since more and more consumers is liked buying the commodity admired in market, especially megastore, work as consumer
In market after select commodity, it will walk to cashier's queuing in market, be swept by market cashier commodity purchased to consumer
After retouching, consumer settles accounts according to the commodity price that scanning obtains.Since often there is a large amount of consumer to be lined up for market cashier
To wait checkout, especially in market shopping, this undoubtedly wastes the plenty of time of consumer, also reduces simultaneously important festivals
The payment efficiency of market consumption.This conventional market consumption checkout mode is far from satisfying people to consumption and payment high efficiency
Requirement.With the communication technology, the especially development of near-field communication (Near Field Communication, abbreviation NFC), at
It is ripe, it is provided with NFC module in more and more mobile intelligent terminals, forms mobile NFC intelligent terminal.
In existing market consumption and payment, although NFC technique, which is utilized, completes payment, but still disappeared by the cashier in market scanning
The mobile NFC intelligent terminal of the person of expense, to complete payment transaction.Since market cashier's number and scanning device are limited, consumer
Even if mobile NFC intelligent terminal has been carried, when number is more, it is still desirable to which queuing goes to complete consumption and payment, this is still
Do not overcome the problems, such as to be lined up the time loss for completing payment.
Summary of the invention
The technical problem to be solved by the present invention is to for the above-mentioned prior art provide it is a kind of both can quickly, it is quickly complete
At the consumption and payment of purchased commodity, save the time of consumption and payment, but can guarantee trading information safety based on near-field communication
Market consume quick payment method.
The technical scheme of the invention to solve the technical problem is: the quick branch of market consumption based on near-field communication
The method of paying, for managing platform, market NFC by mobile NFC intelligent terminal, visa mechanism, Third-party payment platform, bank account
N number of NFC link terminal, the M anti-theft prompt end positioned at merchandise outlet in settlement terminal, NFC relaying fusion center and market
Hold the market consumption system of composition, N >=3, M >=2；It is characterized by comprising the following steps:
(1) mobile NFC intelligent terminal is in Third-party payment platform registration, the true identity of the mobile NFC intelligent terminal of storage
Identification number, consumption and payment specified account and bill payment password, and mobile NFC intelligent terminal sends visa solicited message and its true
Visa mechanism is given in real identity number, and visa mechanism stores visa request time, and generates corresponding movement NFC by visa mechanism
The anonymous identification number of intelligent terminal gathers and the shared code key set between visa mechanism and mobile NFC intelligent terminal,
Visa mechanism sends its shared code key set between mobile NFC intelligent terminal to mobile NFC intelligent terminal；Wherein:
The true identity identification number of mobile NFC intelligent terminal is labeled as IDPayment, the anonymous body of mobile NFC intelligent terminal
Part identification number aggregated label is I1, the time that mobile NFC intelligent terminal sends visa solicited message is T1, visa mechanism is labeled as
The true identity identification number of TSM, visa mechanism TSM are denoted as IDTSM, sharing between visa mechanism and mobile NFC intelligent terminal be secret
Key set is denoted as S1；Wherein:
S1={ SK1 Payment-TSM,SK2 Payment-TSM,…,SKm Payment-TSM}；
I-th of anonymous identification number of mobile NFC intelligent terminalWith visa mechanism, mobile NFC intelligent terminal
Between i-th of shared code key SKi Payment-TSMFor one-to-one relationship；I=1,2 ..., m；M indicates the mobile NFC intelligence
The total number of anonymous identification number in the anonymous identification number set of terminal；
(2) NFC settlement terminal in market registers collecting account in bank account management platform, and manages platform by bank account
Store the true identity identification number of market NFC settlement terminal；Its true identity identification number is sent to label by market NFC settlement terminal
Demonstrate,prove mechanism TSM storage, and by visa mechanism TSM generate, storage market NFC settlement terminal anonymous identification number set and
Shared code key set between visa mechanism and market NFC settlement terminal, visa mechanism send itself and market NFC settlement terminal it
Between shared code key set give market NFC settlement terminal；Wherein:
The true identity identification number of market NFC settlement terminal is labeled as IDReceiver, the anonymous body of market NFC settlement terminal
Part identification number aggregated label is I2, the shared code key set between visa mechanism and market NFC settlement terminal is denoted as S2；Wherein:
S2={ SK1 Receiver-TSM,SK2 Receiver-TSM,…,SKm Receiver-TSM}；
I-th of anonymous identification number of market NFC settlement terminalWith visa mechanism, market NFC settlement terminal
Between i-th of shared code key SKi Receiver-TSMFor one-to-one relationship；I=1,2 ..., m；
(3) market NFC settlement terminal is established antitheft to mention with NFC relaying fusion center, N number of NFC link terminal and M respectively
Show the wire communication connection of terminal；
(4) consumer is scanned purchased commodity using mobile NFC intelligent terminal, obtains the trade name of purchased commodity
Claim, saved after model and unit price, and establishes mobile NFC intelligent terminal and connect with the wireless communication of visa mechanism；
(5) the self-position data that mobile NFC intelligent terminal and market NFC settlement terminal will be obtained respectively respectively
(xPayment,yPayment,zPayment) and (xReceiver,yReceiver,zReceiver) it is sent to NFC relaying fusion center, it is relayed by NFC
Fusion center is to move the midpoint of NFC intelligent terminal and market NFC settlement terminal line as the centre of sphere, to move NFC intelligence eventually
It holds the half away from market NFC settlement terminal distance as the radius of a ball, establishes the sphere equation S in space；Wherein, the centre of sphere is denoted as O
(xo,yo,zo), the radius of a ball is denoted as R, and sphere equation S calculation formula is as follows:
S:(x-xo)2+(y-yo)2+(z-zo)2=R2；
(6) the self-position data (x that N number of NFC link terminal will be obtained respectively respectivelyRe lay,n,yRe lay,n,zRe lay,n)
And Signal to Noise Ratio (SNR)Re lay,nIt is sent to NFC relaying fusion center, by the judgement of NFC relaying fusion center, chooses participation near-field communication
Optimum N FC link terminal；Wherein, n=1,2 ..., N, NFC relaying fusion center choose optimum N FC link terminal process and include
Following steps (6-1) are to step (6-3):
(6-1) is according to the position data (x of n-th of NFC link terminalRelay,n,yRelay,n,zRelay,n), NFC relaying fusion
Center judges (xRe lay,n-xo)2+(yRe lay,n-yo)2+(zRe lay,n-zo)2≤R2When, then the NFC link terminal is chosen as ginseng
With the alternative link terminal of near-field communication；Otherwise, if (xRe lay,n-xo)2+(yRe lay,n-yo)2+(zRe lay,n-zo)2>R2When, then
The NFC link terminal is rejected, near-field communication is directly carried out by mobile NFC intelligent terminal and market NFC settlement terminal；
(6-2) NFC relays the signal-to-noise ratio of fusion center each alternative link terminal based on the received, calculate obtain it is each it is alternative in
After the relaying sincerity coefficient of terminal；Wherein, the relaying sincerity coefficient of n-th of NFC link terminal is denoted as κRe lay,n, relay sincere system
Number κRe lay,nCalculation formula is as follows:
N' is to participate in closely
The number of the alternative link terminal of field communication, wherein N'≤N；
(6-3) NFC relays fusion center according to each alternative link terminal apart from centre of sphere O (xo,yo,zo) distance dRe lay,x
And the relaying sincerity coefficient κ of each alternative link terminal obtainedRe lay,x, obtain the participation coefficient of each alternative link terminal
ξRe lay,x, and it is whole as the optimum N FC relaying for participating in near-field communication to participate in alternative link terminal corresponding to coefficient maximum value
End；Wherein, coefficient ξ is participated inRe lay,xCalculation formula it is as follows:
(7) mobile NFC intelligent terminal is whole close to market NFC settlement terminal and mobile NFC intelligent terminal and market NFC clearing
Between end distance be greater than near-field communication apart from when, mobile NFC intelligent terminal sends near field communication request information and gives optimum N FC relaying
Terminal forwards the near field communication request information to give market NFC settlement terminal by optimum N FC link terminal；Wherein:
Near field communication request information includes mobile NFC intelligent terminal generation first between the NFC settlement terminal of market
Shared code key SK1 Payment-Receiver, mobile NFC intelligent terminal the first visa random number c, the mobile NFC intelligent terminal hair that generate
Send the time T of visa solicited message1, mobile first anonymous identification number of NFC intelligent terminalMobile NFC intelligence
First shared code key SK between terminal and visa mechanism TSM1 Payment-TSM；Wherein, near field communication request information flag is such as
Under:
C ∈ (0,9) and c ∈ Z；
(8) NFC settlement terminal in market is receiving the mobile NFC intelligent terminal transmission through the forwarding of optimum N FC link terminal
Near field communication request information after, send include first anonymous identification number of market NFC settlement terminalMarket
First shared code key SK between NFC settlement terminal and visa mechanism1 Receiver-TSM, shared code key SK1 Payment-TSMGenerate the time
K1And receive the Licensing Authority solicited message of mobile NFC intelligent terminal near field communication request information to visa mechanism TSM into
Row certification；Wherein, Licensing Authority solicited message label is as follows:
(9) visa mechanism carries out information according to the Licensing Authority solicited message that received market NFC settlement terminal is sent
It extracts and judges, with the mobile NFC intelligent terminal identity of certification request and market NFC settlement terminal near-field communication:
When visa mechanism in Licensing Authority solicited message extracted mobile NFC intelligent terminal anonymous identification number,
Code key is shared between mobile NFC intelligent terminal and visa mechanism and shared code key generation time is stored with visa mechanism
Mobile NFC intelligent terminal anonymous identification number set I1, shared code key set S1, shared code key generate time K1There are correspondences
When consistent, then visa mechanism sends license near-field communication information and gives market NFC settlement terminal；Otherwise, refusal near-field communication is sent
Information gives market NFC settlement terminal；Wherein:
The license near-field communication information that visa mechanism is sent includes first between mobile NFC intelligent terminal and visa mechanism
Shared code key SK1 Payment-TSM, the shared code key SK1 Payment-TSMGeneration time K1, mobile NFC intelligent terminal sends certification asks
Seek the time T of information1, first shared code key SK between visa mechanism and market NFC settlement terminal1 Receiver-TSM；Wherein:
License near-field communication information flag is ST-R(Accept,T1,K1,SK1 Payment-TSM,SK1 Receiver-TSM)；
Refusal near-field communication information flag is ST-R(Reject,SK1 Receiver-TSM)；
(10) NFC settlement terminal in market is logical according to the license near-field communication information of received visa mechanism or refusal near field
Letter information, the near field communication request information sent through optimum N FC link terminal to mobile NFC intelligent terminal, which is given, to be fed back:
When market, NFC settlement terminal receives the license near-field communication information of visa mechanism, then market NFC settlement terminal
Receive the near field communication request that mobile NFC intelligent terminal is sent, and sends the second visa generated including market NFC settlement terminal
Random number d's receives near-field communication information to mobile NFC intelligent terminal；D ∈ [0,9] and d ≠ c, d ∈ Z；
When market, NFC settlement terminal receives the refusal near-field communication information of visa mechanism, then NFC settlement terminal in market is refused
The near field communication request that NFC intelligent terminal mobile absolutely is sent, and send refusal near-field communication information and give NFC payment terminal；
(11) mobile NFC intelligent terminal receives the information that the market NFC settlement terminal through optimum N FC relay forwarding is sent,
And it is judged and is operated according to received information:
When received information is that near-field communication receives information, mobile NFC intelligent terminal extracts near-field communication and receives information
Included in code key TimeGenerated value is shared between mobile NFC intelligent terminal and visa mechanism, and sharing of judging to extract is secret
The shared code key TimeGenerated value K of key TimeGenerated value and mobile NFC intelligent terminal itself storage1When consistent, then NFC intelligence is moved
Energy terminal generates the dummy keyboard including letter and number mixing, passes through the branch of alphabetical, the digital mixed form of dummy keyboard input
Password is paid, Third-party payment platform is then sent to, sends and cancel mobile first anonymous identification of NFC intelligent terminal respectively
NumberAnd move NFC intelligent terminal and the shared code key SK of first, visa mechanism1 Payment-TSMRequest give visa machine
Structure；Otherwise, mobile NFC intelligent terminal stopping sends near field communication request information and gives market NFC settlement terminal；
When received information is refusal near-field communication information, mobile NFC intelligent terminal stops sending near field communication request
Information gives market NFC settlement terminal；
(12) after visa authorities to the calcellation anonymous Identity of mobile NFC intelligent terminal transmission and the request of shared code key,
Corresponding anonymous Identity set, the anonymous Identity in shared code key set and the shared code key are rejected by visa mechanism, and will variation
The first anonymous Identity in anonymous Identity set, the first shared code key in shared code key set are sent to mobile NFC intelligence afterwards
Terminal uses when sending near field communication request for mobile NFC intelligent terminal next time；
(13) payment cipher that the received mobile NFC intelligent terminal of Third-party payment platform judgement institute is sent with move NFC
For intelligent terminal when the payment cipher that the payment platform prestores is consistent, Third-party payment platform corresponds to mobile NFC intelligent terminal
The fund of account is transferred to the account that market NFC settlement terminal manages platform in bank account, and anti-by Third-party payment platform
Feedback payment successful information gives mobile NFC intelligent terminal, gives market NFC by bank account management platform feedback received payment successful information
Settlement terminal；Otherwise, bank account management platform feedback arrearage information gives market NFC settlement terminal；
(14) the corresponding anonymous identification number of the mobile NFC intelligent terminal of market NFC settlement terminal storage received paymentAnd by the anonymous identification numberM anti-theft prompt terminal is sent to be stored；
(15) when mobile NFC intelligent terminal moves to merchandise outlet, anti-theft prompt terminal and mobile NFC intelligent terminal are established
Communication, and after the respective identity number of interaction, if anti-theft prompt terminal detects the anonymous Identity mark of movement NFC intelligent terminal
When knowing in number mobile NFC intelligent terminal anonymous identification number for being present in the transmission of market NFC settlement terminal, then show the movement
NFC intelligent terminal has paid purchased commodity, the not alert prompt of ring of anti-theft prompt terminal；Otherwise, anti-theft prompt terminal makes ring police
Prompt, to prompt market staff to pay attention to.
Further, in order to enable the customer to grasp oneself account information in Third-party payment platform in time, really
Account safety is protected, as an improvement, the payment successful information that Third-party payment platform is fed back in the step (13) includes successfully
Time of payment, payment amount and account balance information.
In order to save the time of payment, the efficiency of market consumption and payment is improved, as an improvement, the Third-party payment
Platform and bank account management platform are same account management platform.In this way, when bank account management platform and third party's branch
Platform is paid when being same account management platform, not only can to avoid because between not homologous ray fund transfer accounts the time, but also can subtract
It is few because not homologous ray is transferred accounts the additional service charge of bring, reduce the supplementary payments cost of consumer.
Compared with the prior art, the advantages of the present invention are as follows: in consumption quick payment method in market of the invention, consumption
Person does not need to remove market cashier counter queuing checkout again, after consumer only needs to utilize mobile NFC intelligent terminal items scanning information,
It is relayed using the optimum N FC in market, mobile NFC intelligent terminal and market NFC settlement terminal are hidden with what visa mechanism generated
Name identity number, and mobile NFC intelligent terminal and market NFC knot can be completed using the optimum N FC link terminal in market
The data transmission between terminal is calculated, transaction is safely and quickly completed, not only ensure that the safety of Transaction Information, but also greatly improve
The consumption and payment efficiency in market.
Detailed description of the invention
Fig. 1 is the structural schematic diagram of market consumption system in the embodiment of the present invention；
Fig. 2 is the flow diagram of the market consumption quick payment method in the present invention based on near-field communication.
Specific embodiment
The present invention will be described in further detail below with reference to the embodiments of the drawings.
As shown in Figure 1, the market consumption system in the present embodiment is by moving NFC intelligent terminal, visa mechanism, third party's branch
Platform, bank account management platform, market NFC settlement terminal, NFC is paid to relay N number of NFC in fusion center and market and relay eventually
End, the M anti-theft prompt terminal composition positioned at merchandise outlet；N >=3, M >=2.For the market consumption system, as shown in Fig. 2,
Quick payment method is consumed in market provided in an embodiment of the present invention based on near-field communication, is included the following steps:
Step 1, mobile NFC intelligent terminal is in Third-party payment platform registration, the true body of the mobile NFC intelligent terminal of storage
Part identification number, consumption and payment specified account and bill payment password, and mobile NFC intelligent terminal send visa solicited message and its
True identity identification number gives visa mechanism, and visa mechanism stores visa request time, and generates the corresponding movement by visa mechanism
The anonymous identification number of NFC intelligent terminal gathers and the shared code key collection between visa mechanism and mobile NFC intelligent terminal
It closes, visa mechanism sends its shared code key set between mobile NFC intelligent terminal to mobile NFC intelligent terminal；Wherein:
The true identity identification number of mobile NFC intelligent terminal is the global identity mark of the NFC module in the intelligent terminal
Knowledge number, consumption and payment specified account are mainly used for meeting consumer using used in movement NFC intelligent terminal progress consumption and payment；
Meanwhile in the present embodiment, the true identity identification number of mobile NFC intelligent terminal is labeled as IDPayment, mobile NFC intelligence is eventually
The anonymous identification aggregated label at end is I1, the time that mobile NFC intelligent terminal sends visa solicited message is T1, the label
Demonstrate,prove the time T of solicited message1It is stored simultaneously by visa mechanism；Visa mechanism is labeled as TSM, the true body of visa mechanism TSM
Part identification number is denoted as IDTSM, visa mechanism and the shared code key set moved between NFC intelligent terminal are denoted as S1；Wherein:
S1={ SK1 Payment-TSM,SK2 Payment-TSM,…,SKm Payment-TSM}；
Wherein, i-th of anonymous identification number of mobile NFC intelligent terminalWith visa mechanism TSM, mobile NFC
I-th of shared code key SK between intelligent terminali Payment-TSMFor one-to-one relationship；I=1,2 ..., m；M indicates the movement
The total number of anonymous identification number in the anonymous identification number set of NFC intelligent terminal；
For example, for the anonymous identification number set I of mobile NFC intelligent terminal1In anonymous identification numberIt shouldFirst anonymous identification number for indicating the mobile NFC intelligent terminal that visa mechanism TSM is generated, when
Mobile NFC intelligent terminal and another terminal carry out near-field communication, and use anonymous identification number to visa mechanism TSM request
When, then visa mechanism TSM is first by first anonymous identification numberMobile NFC intelligent terminal is sent to use；
If mobile NFC intelligent terminal is requested again using anonymous identification, first anonymous identification number
It is no longer utilized, visa mechanism TSM will be anonymous identification number set I1In second anonymous identification number
Mobile NFC intelligent terminal is sent to use；So analogize, sending request to visa mechanism TSM according to mobile NFC intelligent terminal makes
The number requested with anonymous Identity, until arriving mobile NFC intelligent terminal for anonymous identification number set I1In anonymous Identity mark
Know a number traversal use to finish；
Accordingly, mobile NFC intelligent terminal is using its anonymous identification to visa mechanism TSM transmission request every time
Number, and the corresponding anonymous identification number of visa mechanism TSM feedback is given when moving NFC intelligent terminal, mobile NFC intelligent terminal
Then using once shared code key between visa mechanism TSM；For example, mobile NFC intelligent terminal is asked to visa mechanism TSM for the first time
It asks and uses anonymous identification numberWhen, then also by shared code key set S1In first shared code key SK1 Payment-TSM
It is sent to visa mechanism TSM；Accordingly, if second of mobile NFC intelligent terminal uses anonymous Identity to visa mechanism requests
Identification numberWhen, then by shared code key set S1In second shared code key SK2 Payment-TSMIt is sent to visa mechanism
TSM；
Step 2, NFC settlement terminal in market registers collecting account in bank account management platform, and by bank account management
The true identity identification number of platform storage market NFC settlement terminal；Market NFC settlement terminal sends its true identity identification number
It stores, and is generated by visa mechanism TSM, the anonymous identification number set of storage market NFC settlement terminal to visa mechanism TSM
And the shared code key set between visa mechanism and market NFC settlement terminal, visa mechanism send it and settle accounts eventually with market NFC
Shared code key set between end gives market NFC settlement terminal；Wherein:
The true identity identification number of market NFC settlement terminal is the global identity mark of the NFC module in the settlement terminal
Knowledge number, collecting account is mainly used for bank account management platform and stores transferring accounts for other payment platforms, for example, consumer is through third
Square payment platform is transferred accounts；In the present embodiment, the true identity identification number of market NFC settlement terminal is labeled as IDReceiver, quotient
The anonymous identification aggregated label of field NFC settlement terminal is I2, shared between visa mechanism and market NFC settlement terminal
Code key set is denoted as S2；Wherein:
S2={ SK1 Receiver-TSM,SK2 Receiver-TSM,…,SKm Receiver-TSM}；
I-th of anonymous identification number of market NFC settlement terminalWith visa mechanism, market NFC settlement terminal
Between i-th of shared code key SKi Receiver-TSMFor one-to-one relationship；I=1,2 ..., m；
For example, carrying out near-field communication every time for market NFC settlement terminal, market NFC settlement terminal all can be to visa machine
Structure request uses its anonymous identification number: when market NFC settlement terminal is requested for the first time using its anonymous identification, then
By visa mechanism by market NFC settlement terminal anonymous identification number set I2In first anonymous identification numberIt is sent to the use of market NFC settlement terminal, if market NFC settlement terminal requests to use anonymous identification again
Number when, then first anonymous identification numberIt is no longer utilized, visa mechanism TSM will collect anonymous identification number
Close I2In second anonymous identification numberIt is sent to the use of market NFC settlement terminal；So analogize, according to quotient
Field NFC settlement terminal sends the number that request is requested using anonymous Identity to visa mechanism TSM, until to market NFC settlement terminal
By anonymous identification number set I2In anonymous identification number traversal use finish；
Accordingly, NFC settlement terminal in market is using its anonymous identification to visa mechanism TSM transmission request every time
Number, and when visa mechanism TSM feeds back corresponding anonymous identification number to market NFC settlement terminal, market NFC settlement terminal
Then using once shared code key between visa mechanism TSM；For example, market NFC settlement terminal is asked to visa mechanism TSM for the first time
It asks and uses anonymous identification numberWhen, then also by shared code key set S2In first shared code key
SK1 Receiver-TSMIt is sent to visa mechanism TSM；Accordingly, if second of market NFC settlement terminal makes to visa mechanism requests
With anonymous identification numberWhen, then by shared code key set S2In second shared code key SK2 Receiver-TSMIt sends
Give visa mechanism TSM；
Step 3, it is anti-with NFC relaying fusion center, N number of NFC link terminal and M respectively to establish market NFC settlement terminal
Steal the wire communication connection of prompt terminal；Wherein, in this step 3, mainly by market market NFC settlement terminal with
NFC relays fusion center, NFC link terminal and anti-theft prompt terminal arrangement at clearing, data transmission and anti-theft prompt
System；
Step 4, consumer is scanned purchased commodity using mobile NFC intelligent terminal, obtains the commodity of purchased commodity
It is saved after title, model and unit price, and establishes mobile NFC intelligent terminal and connect with the wireless communication of visa mechanism；
Wherein, mobile NFC intelligent terminal is to the scanning of purchased commodity mainly according to the patch code situation in purchased commodity packaging
It carries out；For example, NFC intelligent terminal scanning bar code is moved, if on purchased commodity if posting bar code on purchased commodity
Two dimensional code is posted, then moves NFC intelligent terminal and accordingly scans the two dimensional code；
Step 5, the self-position data that mobile NFC intelligent terminal and market NFC settlement terminal will be obtained respectively respectively
(xPayment,yPayment,zPayment) and (xReceiver,yReceiver,zReceiver) it is sent to NFC relaying fusion center, it is relayed by NFC
Fusion center is to move the midpoint of NFC intelligent terminal and market NFC settlement terminal line as the centre of sphere, to move NFC intelligence eventually
It holds the half away from market NFC settlement terminal distance as the radius of a ball, establishes the sphere equation S in space；Wherein, the centre of sphere is denoted as O
(xo,yo,zo), the radius of a ball is denoted as R, and sphere equation S calculation formula is as follows:
S:(x-xo)2+(y-yo)2+(z-zo)2=R2；
In the step 5, by establishing sphere equation, mainly building limits spatial dimension, will be from mobile NFC intelligence
Energy terminal, the closer NFC link terminal of market NFC settlement terminal choose, to improve NFC link terminal to mobile NFC intelligence
The relay transmission efficiency of data interaction between energy terminal and market NFC settlement terminal, to improve the quick payment of market consumption
Efficiency；
Step 6, the self-position data (x that N number of NFC link terminal will be obtained respectively respectivelyRe lay,n,yRe lay,n,
zRe lay,n) and Signal to Noise Ratio (SNR)Re lay,nIt is sent to NFC relaying fusion center, by the judgement of NFC relaying fusion center, chooses participation
The optimum N FC link terminal of near-field communication；Wherein, n=1,2 ..., N, NFC relay fusion center and choose optimum N FC link terminal
Process includes the following steps 6-1 to step 6-3:
Step 6-1, according to the position data (x of n-th of NFC link terminalRelay,n,yRelay,n,zRelay,n), NFC relaying melts
Conjunction center judges (xRe lay,n-xo)2+(yRe lay,n-yo)2+(zRe lay,n-zo)2≤R2When, indicate the NFC link terminal away from movement
NFC terminal and market NFC settlement terminal are closer, are located in step 5 in spatial dimension defined by sphere, then choose in the NFC
After terminal as the alternative link terminal for participating in near-field communication；Wherein, the quantity of the alternative link terminal of selection is set as N', it is standby
Select the number N '≤N of link terminal；
Otherwise, if (xRe lay,n-xo)2+(yRe lay,n-yo)2+(zRe lay,n-zo)2>R2When, indicate the NFC link terminal away from
Mobile NFC terminal and market NFC settlement terminal farther out, are located in step 5 except spatial dimension defined by sphere, then rejecting should
NFC link terminal directly carries out near-field communication by mobile NFC intelligent terminal and market NFC settlement terminal；
Step 6-2, NFC relay the signal-to-noise ratio of fusion center each alternative link terminal based on the received, calculate obtain it is each standby
Select the relaying sincerity coefficient of link terminal；Wherein, the relaying sincerity coefficient of n-th of NFC link terminal is denoted as κRe lay,n, relaying is really
Believe coefficient κRe lay,nCalculation formula is as follows:
N' is to participate in closely
The number of the alternative link terminal of field communication, N'≤N；Wherein, the relaying energy that sincere coefficient characterizes alternative link terminal is relayed
The relaying sincerity of power, alternative link terminal is higher, illustrates that the relay capabilities of the alternative link terminal are higher, correspond to this it is alternative in
After there is higher relay transmission efficiency in mobile NFC intelligent terminal and market NFC settlement terminal；
Step 6-3, NFC relay fusion center according to each alternative link terminal apart from centre of sphere O (xo,yo,zo) distance
dRe lay,xAnd the relaying sincerity coefficient κ of each alternative link terminal obtainedRe lay,x, obtain the participation of each alternative link terminal
Coefficient ξRe lay,x, and using participate in alternative link terminal corresponding to coefficient maximum value as participate in near-field communication optimum N FC in
After terminal；Wherein, coefficient ξ is participated inRe lay,xCalculation formula it is as follows:
In the method for the embodiment of the present invention, fully considered alternative link terminal relaying sincerity coefficient and it is alternative in
After distance of the terminal apart from the centre of sphere, the signal-to-noise ratio and transmission speed problem of alternative link terminal can be preferably taken into account, thus
According to the numerical value situation for participating in coefficient, optimal NFC link terminal is selected；Wherein, the participation coefficient of alternative link terminal is got over
Height shows that the NFC link terminal has higher junction efficiency；
Step 7, mobile NFC intelligent terminal is close to market NFC settlement terminal and mobile NFC intelligent terminal and market NFC are tied
Calculate distance between terminal be greater than near-field communication apart from when, mobile NFC intelligent terminal sends near field communication request information and gives optimum N FC
Link terminal forwards the near field communication request information to give market NFC settlement terminal by optimum N FC link terminal；Wherein, mobile
NFC intelligent terminal is greater than close to distance between market NFC settlement terminal and mobile NFC intelligent terminal and market NFC settlement terminal
Near-field communication apart from the case where, show consumer close to market NFC settlement terminal, purchased commodity amount of money is tied in preparation
It calculates；
Wherein, near field communication request information include mobile NFC intelligent terminal generate the between the NFC settlement terminal of market
One shared code key SK1 Payment-Receiver, mobile NFC intelligent terminal generate the first visa random number c, mobile NFC intelligence eventually
End sends the time T of visa solicited message1, mobile first anonymous identification number of NFC intelligent terminalMobile NFC intelligence
First shared code key SK between energy terminal and visa mechanism TSM1 Payment-TSM；Wherein, near field communication request information flag is such as
Under:
Wherein, hereinCorrespond to movement
NFC intelligent terminal uses anonymous identification number for the first timeRequest establishes near-field communication with market NFC settlement terminal；c∈
(0,9) and c ∈ Z；
Since mobile NFC intelligent terminal sends the time T of visa request1And shared code key SK1 Payment-TSMOnly move
Both NFC intelligent terminal and visa mechanism TSM are known, and market NFC settlement terminal and other illegal terminals do not know the label
Demonstrate,prove request transmission time T1And shared code key SK1 Payment-TSM, therefore, can effectively guarantee mobile NFC intelligent terminal and visa
Information security between mechanism TSM protects the information of mobile NFC intelligent terminal；
It is corresponding if second of the request of mobile NFC intelligent terminal carries out near-field communication with market NFC settlement terminal
Near field communication request information flag isWherein,
SK2 Payment-ReceiverIndicate second shared code key between the NFC settlement terminal of market that mobile NFC intelligent terminal generates,
SK2 Payment-TSMIndicate second shared code key between mobile NFC intelligent terminal and visa mechanism TSM；T2Indicate mobile NFC
Second of transmission visa of intelligent terminal was requested to the time of visa mechanism；
Step 8, NFC settlement terminal in market is receiving the mobile NFC intelligent terminal hair through the forwarding of optimum N FC link terminal
After the near field communication request information sent, sending includes first anonymous identification number of market NFC settlement terminalQuotient
First shared code key SK between field NFC settlement terminal and visa mechanism1 Receiver-TSM, shared code key SK1 Payment-TSMWhen generation
Between K1And it receives the Licensing Authority solicited message of mobile NFC intelligent terminal near field communication request information and gives visa mechanism TSM
It is authenticated；Wherein, Licensing Authority solicited message label is as follows:
In the step 8
Approval request informationIt is corresponding
Indicate that NFC settlement terminal in market when receiving the near field communication request information of mobile NFC intelligent terminal, is sent to visa for the first time
The request of mechanism；If mobile NFC intelligent terminal requests near field communication request to market NFC settlement terminal again, market
The Licensing Authority solicited message label that NFC settlement terminal is sent to visa mechanism is as follows:
Market NFC settlement terminal and the shared code key SK of visa mechanism between the two1 Receiver-TSMOnly market NFC clearing
Terminal, visa mechanism know that other third parties, including mobile NFC intelligent terminal, illegal user's terminal cannot get this and be total to
Enjoy code key SK1 Receiver-TSM, guarantee the information security of market NFC settlement terminal with this；
Shared code key SK1 Payment-ReceiverIt is unknown for the NFC settlement terminal of market；Market NFC settlement terminal
Thus the anonymous identification number of mobile NFC intelligent terminal can only be gotIt can guarantee mobile NFC intelligence in this way
Terminal will not be pretended to be by other illegal users, and then illegally attempt to send payment transaction with visa mechanism, market NFC settlement terminal
Process, to ensure that the information security of mobile NFC intelligent terminal；
Step 9, visa mechanism carries out letter according to the Licensing Authority solicited message that received market NFC settlement terminal is sent
Breath extracts and judgement, with the mobile NFC intelligent terminal identity of certification request and market NFC settlement terminal near-field communication:
When visa mechanism in Licensing Authority solicited message extracted mobile NFC intelligent terminal anonymous identification number,
Code key is shared between mobile NFC intelligent terminal and visa mechanism and shared code key generation time is stored with visa mechanism
Mobile NFC intelligent terminal anonymous identification number set I1, shared code key set S1, shared code key generate time K1There are correspondences
When consistent, show that movement NFC intelligent terminal has made the storage of true identity identification number and visa at visa mechanism, have
Legal identity, movement NFC intelligent terminal can guarantee and the near-field communication of market NFC settlement terminal safety, then visa machine
Structure sends license near-field communication information and gives market NFC settlement terminal；Otherwise, show movement NFC intelligent terminal not in visa machine
Make the storage of true identity identification number and visa at structure, there is illegal identity, movement NFC intelligent terminal cannot be guaranteed and quotient
The safety of field NFC settlement terminal near-field communication, then visa mechanism sends refusal near-field communication information and gives market NFC settlement terminal；
Wherein,
The license near-field communication information that visa mechanism is sent includes first between mobile NFC intelligent terminal and visa mechanism
Shared code key SK1 Payment-TSM, the shared code key SK1 Payment-TSMGeneration time K1, mobile NFC intelligent terminal sends certification asks
Seek the time T of information1, first shared code key SK between visa mechanism and market NFC settlement terminal1 Receiver-TSM；Wherein:
License near-field communication information flag is ST-R(Accept,T1,K1,SK1 Payment-TSM,SK1 Receiver-TSM)；
Refusal near-field communication information flag is ST-R(Reject,SK1 Receiver-TSM)；
Step 10, NFC settlement terminal in market is close according to the license near-field communication information or refusal of received visa mechanism
The field communication information, the near field communication request information sent through optimum N FC link terminal to mobile NFC intelligent terminal, which is given, to be fed back:
When market, NFC settlement terminal receives the license near-field communication information of visa mechanism, then market NFC settlement terminal
Receive the near field communication request that mobile NFC intelligent terminal is sent, and sends the second visa generated including market NFC settlement terminal
Random number d's receives near-field communication information to mobile NFC intelligent terminal；Second visa random number d and the first visa random number c are not
Together, the difficulty that illegal user terminal obtains the second visa random number is increased with this, improves market NFC settlement terminal and movement
The information security of NFC intelligent terminal transaction；D ∈ [0,9] and d ≠ c, d ∈ Z；
When market, NFC settlement terminal receives the refusal near-field communication information of visa mechanism, then NFC settlement terminal in market is refused
The near field communication request that NFC intelligent terminal mobile absolutely is sent, and send refusal near-field communication information and give NFC payment terminal；
Wherein, according to step 9 and step 10 it is found that market NFC settlement terminal judge whether with mobile NFC intelligent terminal it
Between carry out near-field communication, the certification depending on visa mechanism to mobile NFC intelligent terminal legal identity, i.e. judgement request and market
Whether the mobile NFC intelligent terminal of NFC settlement terminal near-field communication stores true identity identification number at visa mechanism；
Step 11, mobile NFC intelligent terminal receives the letter that the market NFC settlement terminal through optimum N FC relay forwarding is sent
Breath, and judge and operate according to received information:
When received information is that near-field communication receives information, mobile NFC intelligent terminal extracts near-field communication and receives information
Included in code key TimeGenerated value is shared between mobile NFC intelligent terminal and visa mechanism, and sharing of judging to extract is secret
The shared code key TimeGenerated value K of key TimeGenerated value and mobile NFC intelligent terminal itself storage1When consistent, then NFC intelligence is moved
Energy terminal generates the dummy keyboard including letter and number mixing, passes through the branch of alphabetical, the digital mixed form of dummy keyboard input
Password is paid, Third-party payment platform is then sent to, sends and cancel mobile first anonymous identification of NFC intelligent terminal respectively
NumberAnd move NFC intelligent terminal and the shared code key SK of first, visa mechanism1 Payment-TSMRequest give visa machine
Structure；Otherwise, mobile NFC intelligent terminal stopping sends near field communication request information and gives market NFC settlement terminal；Dummy keyboard due to
It is the mixing of letter and number, malice illegal terminal can be increased, difficulty is cracked to payment cipher, improve the peace of payment cipher
Quan Xing；Wherein:
When received information is refusal near-field communication information, mobile NFC intelligent terminal stops sending near field communication request
Information gives market NFC settlement terminal；
Since mobile NFC intelligent terminal and market NFC settlement terminal are when carrying out near-field communication, both using respective
Anonymous identification interactive information, and it is respective to mobile NFC intelligent terminal, market NFC settlement terminal by visa mechanism
True identity identification number is authenticated, to further ensure that the information security of mobile NFC intelligent terminal；
Step 12, calcellation anonymous Identity and shared code key request of the visa authorities to mobile NFC intelligent terminal transmission
Afterwards, corresponding anonymous Identity set, the anonymous Identity in shared code key set and the shared code key are rejected by visa mechanism, and will become
The first shared code key in first anonymous Identity, shared code key set after change in anonymous Identity set is sent to mobile NFC intelligence
Energy terminal uses when sending near field communication request for mobile NFC intelligent terminal next time；
For example, the mobile NFC intelligent terminal and market NFC settlement terminal in the present embodiment relay through optimum N FC and complete head
After secondary near field communication request, then anonymous Identity set I of the NFC intelligent terminal at visa mechanism is moved1In first anonymity
IdentityIt is removed, moves and share code key set S between NFC intelligent terminal and visa mechanism1In first share it is secret
Key SK1 Payment-TSMBe removed, be achieved in mobile NFC intelligent terminal will not reuse the same anonymous Identity and its with
The inter-agency shared code key of visa cracks mobile NFC intelligent terminal anonymous Identity, shares to effectively prevent illegal terminal
The problem of code key, improves the safety of mobile NFC intelligent terminal information；
Accordingly, visa mechanism completes anonymous Identity rejecting, shared code key rejecting according to the request of mobile NFC intelligent terminal
Afterwards, the anonymous Identity set of the mobile NFC intelligent terminal at visa mechanism becomesShared code key collection
Conjunction becomes { SK2 Payment-TSM,…,SKm Payment-TSM}；If mobile NFC intelligent terminal is requested again using its anonymous Identity,
Visa mechanism sends anonymous IdentityTo mobile NFC intelligent terminal, while between mobile NFC intelligent terminal and visa mechanism
Use shared code key SK2 Payment-TSMIt is communicated；
Step 13, the payment cipher of the received mobile NFC intelligent terminal transmission of Third-party payment platform judgement institute and movement
For NFC intelligent terminal when the payment cipher that the payment platform prestores is consistent, Third-party payment platform is by the fund of its corresponding account
Market NFC settlement terminal is transferred in the account of bank account management platform, and paid successfully by Third-party payment platform feedback
Information gives mobile NFC intelligent terminal, gives market NFC settlement terminal by bank account management platform feedback received payment successful information；
Otherwise, bank account management platform feedback arrearage information gives market NFC settlement terminal；
Wherein, in order to save time of payment, the efficiency of market consumption and payment is improved, as an improvement, third party's branch
Paying platform and bank account management platform is same account management platform.When bank account management platform and Third-party payment are flat
When platform is same account management platform, not only can to avoid because between not homologous ray fund transfer accounts the time, but also can reduce because
Homologous ray is not transferred accounts the additional service charge of bring, reduces the supplementary payments cost of consumer；
Wherein, in order to enable the customer to grasp oneself account information in Third-party payment platform in time, it is ensured that account
Family safety, as an improvement, in the step 13 Third-party payment platform feed back payment successful information include successfully the time of payment,
The balance information of payment amount and account；
Step 14, the corresponding anonymous identification number of the mobile NFC intelligent terminal of market NFC settlement terminal storage received paymentAnd by the anonymous identification numberM anti-theft prompt terminal is sent to be stored；
Step 15, when mobile NFC intelligent terminal moves to merchandise outlet, anti-theft prompt terminal and mobile NFC intelligent terminal
Communication is established, and after the respective identity number of interaction, if anti-theft prompt terminal detects the anonymous body of movement NFC intelligent terminal
When part identification number is present in the mobile NFC intelligent terminal anonymous identification number of market NFC settlement terminal transmission, then show this
Mobile NFC intelligent terminal has paid purchased commodity, the not alert prompt of ring of anti-theft prompt terminal；Otherwise, anti-theft prompt terminal is made
The alert prompt of ring, to prompt market staff to pay attention to.
In consumption quick payment method in market of the invention, consumer does not need to remove market cashier counter queuing checkout again,
Consumer only needs to relay using the optimum N FC in market, mobile NFC using after mobile NFC intelligent terminal items scanning information
The anonymous identification number that intelligent terminal and market NFC settlement terminal are generated with visa mechanism, and utilize best in market
The transmission of the data between mobile NFC intelligent terminal and market NFC settlement terminal can be completed in NFC link terminal, safely and quickly
Transaction is completed, not only ensure that the safety of Transaction Information, but also greatly improve the consumption and payment efficiency in market.
Claims (3)
1. quick payment method is consumed in the market based on near-field communication, for by mobile NFC intelligent terminal, visa mechanism, third
In square payment platform, bank account management platform, market NFC settlement terminal, NFC relaying fusion center and market in N number of NFC
After terminal, positioned at merchandise outlet M anti-theft prompt terminal form market consumption system, N >=3, M >=2；It is characterized in that,
Include the following steps:
(1) mobile NFC intelligent terminal is in Third-party payment platform registration, the true identity mark of the mobile NFC intelligent terminal of storage
Number, consumption and payment specified account and bill payment password, and mobile NFC intelligent terminal sends visa solicited message and its true body
Part identification number gives visa mechanism, and visa mechanism stores visa request time, and generates corresponding movement NFC intelligence by visa mechanism
The anonymous identification number of terminal gathers and the shared code key set between visa mechanism and mobile NFC intelligent terminal, visa
Mechanism sends its shared code key set between mobile NFC intelligent terminal to mobile NFC intelligent terminal；Wherein,
The true identity identification number of mobile NFC intelligent terminal is labeled as IDPayment, the anonymous identification of mobile NFC intelligent terminal
Number aggregated label is I1, the time that mobile NFC intelligent terminal sends visa solicited message is T1, visa mechanism is labeled as TSM, label
The true identity identification number of card mechanism TSM is denoted as IDTSM, shared code key set between visa mechanism and mobile NFC intelligent terminal
It is denoted as S1；Wherein:
S1={ SK1 Payment-TSM,SK2 Payment-TSM,…,SKm Payment-TSM}；
I-th of anonymous identification ID of mobile NFC intelligent terminali'PaymentWith visa mechanism, mobile NFC intelligent terminal it
Between i-th of shared code key SKi Payment-TSMFor one-to-one relationship；I=1,2 ..., m；M indicates the mobile NFC intelligence eventually
The total number of anonymous identification number in the anonymous identification number set at end；
(2) NFC settlement terminal in market registers collecting account in bank account management platform, and by bank account management platform storage
The true identity identification number of market NFC settlement terminal；Its true identity identification number is sent to visa machine by market NFC settlement terminal
Structure TSM storage, and by visa mechanism TSM generation, the anonymous identification number set of storage market NFC settlement terminal and visa
Shared code key set between mechanism and market NFC settlement terminal, visa mechanism send it between the NFC settlement terminal of market
Shared code key set gives market NFC settlement terminal；Wherein:
The true identity identification number of market NFC settlement terminal is labeled as IDReceiver, the anonymous Identity mark of market NFC settlement terminal
Knowledge aggregated label is I2, the shared code key set between visa mechanism and market NFC settlement terminal is denoted as S2；Wherein,
S2={ SK1 Receiver-TSM,SK2 Receiver-TSM,…,SKm Receiver-TSM}；
I-th of anonymous identification number of market NFC settlement terminalBetween visa mechanism, market NFC settlement terminal
I-th of shared code key SKi Receiver-TSMFor one-to-one relationship；I=1,2 ..., m；
(3) it is whole with NFC relaying fusion center, N number of NFC link terminal and M anti-theft prompt respectively to establish market NFC settlement terminal
The wire communication at end connects；
(4) consumer is scanned purchased commodity using mobile NFC intelligent terminal, obtains product name, the type of purchased commodity
Number and unit price after saved, and establish mobile NFC intelligent terminal and connect with the wireless communication of visa mechanism；
(5) the self-position data (x that mobile NFC intelligent terminal and market NFC settlement terminal will be obtained respectively respectivelyPayment,
yPayment,zPayment) and (xReceiver,yReceiver,zReceiver) it is sent to NFC relaying fusion center, fusion center is relayed by NFC
To move the midpoint of NFC intelligent terminal and market NFC settlement terminal line as the centre of sphere, to move NFC intelligent terminal away from market
The half of NFC settlement terminal distance establishes the sphere equation S in space as the radius of a ball；Wherein, the centre of sphere is denoted as O (xo,yo,zo),
The radius of a ball is denoted as R, and sphere equation S calculation formula is as follows:
S:(x-xo)2+(y-yo)2+(z-zo)2=R2；
(6) the self-position data (x that N number of NFC link terminal will be obtained respectively respectivelyRelay,n,yRelay,n,zRelay,n) and noise
Compare SNRRelay,nIt is sent to NFC relaying fusion center, by the judgement of NFC relaying fusion center, chooses the best of participation near-field communication
NFC link terminal；Wherein, n=1,2 ..., N, it includes following step that NFC, which relays fusion center and chooses optimum N FC link terminal process,
Suddenly (6-1) to step (6-3):
(6-1) is according to the position data (x of n-th of NFC link terminalRelay,n,yRelay,n,zRelay,n), NFC relays fusion center
Judge (xRelay,n-xo)2+(yRelay,n-yo)2+(zRelay,n-zo)2≤R2When, then the NFC link terminal is chosen as participation near field
The alternative link terminal of communication；Otherwise, if (xRelay,n-xo)2+(yRelay,n-yo)2+(zRelay,n-zo)2>R2When, then rejecting should
NFC link terminal directly carries out near-field communication by mobile NFC intelligent terminal and market NFC settlement terminal；
(6-2) NFC relays the signal-to-noise ratio of fusion center each alternative link terminal based on the received, calculates and obtains each alternative relaying end
The relaying sincerity coefficient at end；Wherein, the relaying sincerity coefficient of n-th of NFC link terminal is denoted as κRelay,n, relay sincere coefficient
κRelay,nCalculation formula is as follows:
N' is to participate near field to lead to
The number of the alternative link terminal of letter, wherein N'≤N；
(6-3) NFC relays fusion center according to each alternative link terminal apart from centre of sphere O (xo,yo,zo) distance dRelay,xAnd it obtains
The relaying sincerity coefficient κ of each alternative link terminal takenRelay,x, obtain the participation coefficient ξ of each alternative link terminalRelay,x, and with
Alternative link terminal corresponding to coefficient maximum value is participated in as the optimum N FC link terminal for participating in near-field communication；Wherein, it participates in
Coefficient ξRelay,xCalculation formula it is as follows:
(7) mobile NFC intelligent terminal close to market NFC settlement terminal and mobile NFC intelligent terminal and market NFC settlement terminal it
Between distance be greater than near-field communication apart from when, mobile NFC intelligent terminal sends near field communication request information and relays eventually to optimum N FC
End, forwards the near field communication request information to give market NFC settlement terminal by optimum N FC link terminal；Wherein,
Near field communication request information include mobile NFC intelligent terminal generate between the NFC settlement terminal of market first it is shared
Code key SK1 Payment-Receiver, mobile NFC intelligent terminal the first visa random number c, the mobile NFC intelligent terminal that generate send label
Demonstrate,prove the time T of solicited message1, mobile first anonymous identification number of NFC intelligent terminalMobile NFC intelligent terminal
First shared code key SK between visa mechanism TSM1 Payment-TSM；Wherein, near field communication request information flag is as follows:
C ∈ (0,9) and c ∈ Z；
(8) NFC settlement terminal in market is receiving the close of the mobile NFC intelligent terminal transmission through the forwarding of optimum N FC link terminal
After the communication request information of field, sending includes first anonymous identification number of market NFC settlement terminalMarket NFC knot
Calculate first shared code key SK between terminal and visa mechanism1 Receiver-TSM, shared code key SK1 Payment-TSMGenerate time K1And
The Licensing Authority solicited message for receiving mobile NFC intelligent terminal near field communication request information is authenticated to visa mechanism TSM；
Wherein, Licensing Authority solicited message label is as follows:
(9) visa mechanism carries out information extraction according to the Licensing Authority solicited message that received market NFC settlement terminal is sent
And judgement, with the mobile NFC intelligent terminal identity of certification request and market NFC settlement terminal near-field communication:
When visa mechanism in Licensing Authority solicited message extracted mobile NFC intelligent terminal anonymous identification number, mobile
Share code key between NFC intelligent terminal and visa mechanism and the shared code key generate time with the stored movement of visa mechanism
NFC intelligent terminal anonymous identification number set I1, shared code key set S1, shared code key generate time K1In the presence of corresponding consistent
When, then visa mechanism sends license near-field communication information and gives market NFC settlement terminal；Otherwise, refusal near-field communication information is sent
Give market NFC settlement terminal；Wherein,
The license near-field communication information that visa mechanism is sent is shared including first between mobile NFC intelligent terminal and visa mechanism
Code key SK1 Payment-TSM, the shared code key SK1 Payment-TSMGeneration time K1, mobile NFC intelligent terminal send certification request letter
The time T of breath1, first shared code key SK between visa mechanism and market NFC settlement terminal1 Receiver-TSM；Wherein:
License near-field communication information flag is ST-R(Accept,T1,K1,SK1 Payment-TSM,SK1 Receiver-TSM)；
Refusal near-field communication information flag is ST-R(Reject,SK1 Receiver-TSM)；
(10) NFC settlement terminal in market is believed according to the license near-field communication information or refusal near-field communication of received visa mechanism
Breath, the near field communication request information sent through optimum N FC link terminal to mobile NFC intelligent terminal, which is given, to be fed back:
When market, NFC settlement terminal receives the license near-field communication information of visa mechanism, then NFC settlement terminal in market receives
The near field communication request that mobile NFC intelligent terminal is sent, and it is random to send the second visa generated including market NFC settlement terminal
Number d's receives near-field communication information to mobile NFC intelligent terminal；D ∈ [0,9] and d ≠ c, d ∈ Z；
When market, NFC settlement terminal receives the refusal near-field communication information of visa mechanism, then market NFC settlement terminal refusal moves
The near field communication request that dynamic NFC intelligent terminal is sent, and send refusal near-field communication information and give NFC payment terminal；
(11) mobile NFC intelligent terminal receives the information that the market NFC settlement terminal through optimum N FC relay forwarding is sent, and root
It judges and operates according to received information:
When received information is that near-field communication receives information, mobile NFC intelligent terminal extracts near-field communication and receives institute in information
Code key TimeGenerated value is shared between the mobile NFC intelligent terminal for including and visa mechanism, and judges that the shared code key extracted is raw
At the shared code key TimeGenerated value K of time value and mobile NFC intelligent terminal itself storage1When consistent, then NFC intelligence is moved eventually
End generates the dummy keyboard including letter and number mixing, close by dummy keyboard input letter, the payment of digital mixed form
Code is then sent to Third-party payment platform, sends and cancel mobile first anonymous identification number of NFC intelligent terminal respectivelyAnd move NFC intelligent terminal and the shared code key SK of first, visa mechanism1 Payment-TSMRequest give visa mechanism；
Otherwise, mobile NFC intelligent terminal stopping sends near field communication request information and gives market NFC settlement terminal；
When received information is refusal near-field communication information, mobile NFC intelligent terminal stops sending near field communication request information
Give market NFC settlement terminal；
(12) after visa authorities to the calcellation anonymous Identity of mobile NFC intelligent terminal transmission and the request of shared code key, visa
Corresponding anonymous Identity set, the anonymous Identity in shared code key set and the shared code key are rejected by mechanism, and will hide after variation
The first shared code key in first anonymous Identity, shared code key set in name identity set is sent to mobile NFC intelligent terminal,
It is used when sending near field communication request for mobile NFC intelligent terminal next time；
(13) payment cipher and mobile NFC that the received mobile NFC intelligent terminal of Third-party payment platform judgement institute is sent are intelligent
For terminal when the payment cipher that the payment platform prestores is consistent, the fund of its corresponding account is transferred to quotient by Third-party payment platform
Field NFC settlement terminal manages the account of platform in bank account, and feeds back payment successful information to shifting by Third-party payment platform
Dynamic NFC intelligent terminal gives market NFC settlement terminal by bank account management platform feedback received payment successful information；Otherwise, bank
Account management platform feedback arrearage information gives market NFC settlement terminal；
(14) the corresponding anonymous identification number of the mobile NFC intelligent terminal of market NFC settlement terminal storage received payment
And by the anonymous identification numberM anti-theft prompt terminal is sent to be stored；
(15) when mobile NFC intelligent terminal moves to merchandise outlet, anti-theft prompt terminal and mobile NFC intelligent terminal are established and are led to
Letter, and after the respective identity number of interaction, if anti-theft prompt terminal detects the anonymous identification of movement NFC intelligent terminal
When number being present in the mobile NFC intelligent terminal anonymous Identity group of market NFC settlement terminal transmission, then show movement NFC intelligence
Energy terminal has paid purchased commodity, the not alert prompt of ring of anti-theft prompt terminal；Otherwise, anti-theft prompt terminal makes the alert prompt of ring,
To prompt market staff to pay attention to.
2. quick payment method is consumed in market according to claim 1, which is characterized in that third party in the step (13)
The payment successful information of payment platform feedback includes successfully the balance information of time of payment, payment amount and account.
3. quick payment method is consumed in market according to claim 1 or 2, which is characterized in that the Third-party payment is flat
Platform and bank account management platform are same account management platform.
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