CN105631660A - Near field payment method for mobile terminal, device and mobile terminal - Google Patents
Near field payment method for mobile terminal, device and mobile terminal Download PDFInfo
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- CN105631660A CN105631660A CN201510175104.0A CN201510175104A CN105631660A CN 105631660 A CN105631660 A CN 105631660A CN 201510175104 A CN201510175104 A CN 201510175104A CN 105631660 A CN105631660 A CN 105631660A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/326—Payment applications installed on the mobile devices
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Abstract
The invention provides a near field payment method for a mobile terminal, a near field payment device for a mobile terminal and a mobile terminal. The near field payment method for the mobile terminal includes the following steps that: after the near field of payment function of the mobile terminal is started up, whether payment is completed through the near field of payment function in a predetermined time is determined; and if the payment is not completed in the predetermined time, the near field payment function of the mobile terminal is turned off. With the technical schemes of the invention adopted, the security of near field payment can be effectively improved under the premise that the convenience of the near field payment can be ensured.
Description
Technical field
The present invention relates to mobile payment technical field, in particular to a kind of near field payment method for mobile terminal, a kind of near field payment mechanism for mobile terminal and a kind of mobile terminal.
Background technology
Along with the development of mobile communication technology, mobile payment, especially near field pays to obtain and extensively popularizes, wherein, it is non-contact IC (IntegratedCircuit, integrated circuit) card that near field pays most typical use scene, for instance mass transit card, the campus card of school, mess card etc.
Non-contact IC card is mainly made up of three parts: antenna, MPU (MicroprocessorUnit, microprocessor) and Flash-ROM (flash memory). Wherein, MPU and Flash-ROM is packaged in same chip, is the core of whole IC-card. The signal that MPU is responsible for being received by antenna carries out encryption and decryption, analysis and controls the storage of data, and Flash-ROM is exactly storage medium, adds ciphertext data for storage. IC-card is as same small-sized terminal unit, it is possible to carries out the process of data, calculating, storage and carries out data exchange with outside.
The whole workflow of IC-card is as follows: card reader real time emission electromagnetic wave, when IC-card enters in electromagnetic effective range, antenna will receive electromagnetic wave, electromagnetic essence is exactly the alternation of electric field and magnetic field, and the magnetic field changed then can produce electric current in the closed-loop path that antenna, MPU and Flash-ROM form. This electric current provides the energy for MPU and loads the data message of certain forms simultaneously. MPU is first Tong Bu with card reader, obtains the identifying data of IC-card, be verified with card reader from Flash-ROM. After having verified, the data in Flash-ROM are operated, send data to card reader after successful operation, card reader show relevant information to user.
At present, correlation technique has been proposed for the scheme that IC-card and terminal carry out integrate, as IC-card is built in SIM, or is placed on the shell of terminal. Although IC-card is integrated to a great extent with terminal, but remain the mode that a kind of simple hardware merges at present, between operating system and the IC-card of terminal, there is no any association. Owing to non-contact IC card belongs to passive card, adopting it to carry out paying maximum feature is rapid and convenient, but safety is more weak. And owing to traditional IC-card self does not have power supply to supply, therefore security set cannot be realized by the control circuit of self.
Therefore, how can under ensureing the premise of convenience of near field payment, the safety that raising near field pays becomes technical problem urgently to be resolved hurrily.
Summary of the invention
The present invention be based on above-mentioned technical problem at least one, it is proposed that a kind of new near field payment scheme for mobile terminal, it is possible under the premise guaranteeing convenience that near field pays, be effectively increased the safety of near field payment.
In view of this, the present invention proposes a kind of near field payment method for mobile terminal, including: after the near field payment function starting described mobile terminal, it is judged that whether complete to pay by described near field payment function in the given time; If being not fully complete payment within the described scheduled time, then close the near field payment function of described mobile terminal.
In this technical scheme, due to current mobile terminal near field payment function upon actuation, there is no any restriction, would be likely to occur the problem being stolen brush by malice, when being therefore determined by being not fully complete payment in the given time, the near field payment function of turning-off mobile terminal, it is possible to avoid mobile terminal loss to cause the problem of stolen brush, be effectively ensured the mobile terminal safety when using near field payment function. Wherein, user can arrange the above-mentioned scheduled time according to practical situation, as being set to 1 minute.
In technique scheme, preferably, judge whether that the step starting the near field payment function of described mobile terminal specifically includes: when receiving the instruction of the near field payment function opening described mobile terminal that user sends, the identity of described user is verified; And to the authentication of described user by afterwards, it is determined that need to start the near field payment function of described mobile terminal.
In this technical scheme, by when receiving the instruction of the near field payment function opening mobile terminal that user sends, the identity of user is verified, the loss making it possible to be prevented effectively from the near field payment of invalid user stealing mobile terminal and cause user, it is ensured that the mobile terminal safety when using near field payment function.
In technique scheme, it is preferable that by the authentication information of described user's typing and/or the identification information of described user that collects are verified, be verified with the identity to described user.
Wherein, the authentication information of user's typing includes: input encrypted message etc. by physical button or virtual key; The identification information of the user collected includes: the finger print information of user, voiceprint, human face image information etc.
In technique scheme, it is preferable that also include: if completing to pay within the described scheduled time, then at the near field payment function simultaneously closing off described mobile terminal completing payment.
In this technical scheme, by the near field payment function simultaneously closing off mobile terminal completing payment, enabling avoid continuing near field payment function and causing that the near field of invalid user stealing mobile terminal pays.
In technique scheme, preferably, described mobile terminal being provided with near field payment circuit, described near field payment circuit and electrical switch are connected in series, then by controlling being turned on and off of described electrical switch, to be turned on and off the near field payment function of described mobile terminal.
According to a further aspect in the invention, also proposed a kind of near field payment mechanism for mobile terminal, including: judging unit, for after the near field payment function starting described mobile terminal, it is judged that whether complete to pay by described near field payment function in the given time; Control unit, for when described judging unit judges to be not fully complete payment within the described scheduled time, closing the near field payment function of described mobile terminal.
In this technical scheme, due to current mobile terminal near field payment function upon actuation, there is no any restriction, would be likely to occur the problem being stolen brush by malice, when being therefore determined by being not fully complete payment in the given time, the near field payment function of turning-off mobile terminal, it is possible to avoid mobile terminal loss to cause the problem of stolen brush, be effectively ensured the mobile terminal safety when using near field payment function. Wherein, user can arrange the above-mentioned scheduled time according to practical situation, as being set to 1 minute.
In technique scheme, preferably, also include: identity authenticating unit, for when receiving the instruction of the near field payment function opening described mobile terminal that user sends, the identity of described user is verified, and to the authentication of described user by afterwards, it is determined that need to start the near field payment function of described mobile terminal.
In this technical scheme, by when receiving the instruction of the near field payment function opening mobile terminal that user sends, the identity of user is verified, the loss making it possible to be prevented effectively from the near field payment of invalid user stealing mobile terminal and cause user, it is ensured that the mobile terminal safety when using near field payment function.
In technique scheme, it is preferable that described identity authenticating unit specifically for: by the authentication information of described user's typing and/or the identification information of described user that collects are verified, be verified with the identity to described user.
Wherein, the authentication information of user's typing includes: input encrypted message etc. by physical button or virtual key; The identification information of the user collected includes: the finger print information of user, voiceprint, human face image information etc.
In technique scheme, it is preferable that described control unit is additionally operable to: if completing to pay within the described scheduled time, then at the near field payment function simultaneously closing off described mobile terminal completing payment.
In this technical scheme, by the near field payment function simultaneously closing off mobile terminal completing payment, enabling avoid continuing near field payment function and causing that the near field of invalid user stealing mobile terminal pays.
In technique scheme, preferably, described mobile terminal is provided with near field payment circuit, described near field payment circuit and electrical switch are connected in series, then described control unit specifically for: by controlling being turned on and off of described electrical switch, to be turned on and off the near field payment function of described mobile terminal.
According to another aspect of the invention, it is also proposed that a kind of mobile terminal, including the near field payment mechanism for mobile terminal as described in above-mentioned any one technical scheme.
By above technical scheme, it is possible under the premise guaranteeing convenience that near field pays, it is effectively increased the safety that near field pays.
Accompanying drawing explanation
Fig. 1 illustrates the schematic flow diagram of near field payment method for mobile terminal according to an embodiment of the invention;
Fig. 2 illustrates the schematic block diagram of near field payment mechanism for mobile terminal according to an embodiment of the invention;
Fig. 3 illustrates the electrical block diagram that near field pays according to an embodiment of the invention.
Fig. 4 illustrates the schematic flow diagram of method of mobile payment according to an embodiment of the invention.
Detailed description of the invention
In order to be more clearly understood that the above-mentioned purpose of the present invention, feature and advantage, below in conjunction with the drawings and specific embodiments, the present invention is further described in detail. It should be noted that when not conflicting, embodiments herein and the feature in embodiment can be mutually combined.
Elaborate a lot of detail in the following description so that fully understanding the present invention; but; the present invention can also adopt other to be different from other modes described here to implement, and therefore, protection scope of the present invention is by the restriction of following public specific embodiment.
Fig. 1 illustrates the schematic flow diagram of near field payment method for mobile terminal according to an embodiment of the invention.
As it is shown in figure 1, according to an embodiment of the invention for the near field payment method of mobile terminal, including: step 102, after the near field payment function starting described mobile terminal, it is judged that whether complete to pay by described near field payment function in the given time; Step 104, if being not fully complete payment within the described scheduled time, then closes the near field payment function of described mobile terminal.
In this technical scheme, due to current mobile terminal near field payment function upon actuation, there is no any restriction, would be likely to occur the problem being stolen brush by malice, when being therefore determined by being not fully complete payment in the given time, the near field payment function of turning-off mobile terminal, it is possible to avoid mobile terminal loss to cause the problem of stolen brush, be effectively ensured the mobile terminal safety when using near field payment function. Wherein, user can arrange the above-mentioned scheduled time according to practical situation, as being set to 1 minute.
In technique scheme, preferably, judge whether that the step starting the near field payment function of described mobile terminal specifically includes: when receiving the instruction of the near field payment function opening described mobile terminal that user sends, the identity of described user is verified; And to the authentication of described user by afterwards, it is determined that need to start the near field payment function of described mobile terminal.
In this technical scheme, by when receiving the instruction of the near field payment function opening mobile terminal that user sends, the identity of user is verified, the loss making it possible to be prevented effectively from the near field payment of invalid user stealing mobile terminal and cause user, it is ensured that the mobile terminal safety when using near field payment function.
In technique scheme, it is preferable that by the authentication information of described user's typing and/or the identification information of described user that collects are verified, be verified with the identity to described user.
Wherein, the authentication information of user's typing includes: input encrypted message etc. by physical button or virtual key; The identification information of the user collected includes: the finger print information of user, voiceprint, human face image information etc.
In technique scheme, it is preferable that also include: if completing to pay within the described scheduled time, then at the near field payment function simultaneously closing off described mobile terminal completing payment.
In this technical scheme, by the near field payment function simultaneously closing off mobile terminal completing payment, enabling avoid continuing near field payment function and causing that the near field of invalid user stealing mobile terminal pays.
In technique scheme, preferably, described mobile terminal being provided with near field payment circuit, described near field payment circuit and electrical switch are connected in series, then by controlling being turned on and off of described electrical switch, to be turned on and off the near field payment function of described mobile terminal.
Fig. 2 illustrates the schematic block diagram of near field payment mechanism for mobile terminal according to an embodiment of the invention.
As in figure 2 it is shown, according to an embodiment of the invention for the near field payment mechanism 200 of mobile terminal, including: judging unit 202 and control unit 204.
Wherein, it is judged that unit 202, for after the near field payment function starting described mobile terminal, it is judged that whether complete to pay by described near field payment function in the given time; Control unit 204, for when described judging unit 202 judges to be not fully complete payment within the described scheduled time, closing the near field payment function of described mobile terminal.
In this technical scheme, due to current mobile terminal near field payment function upon actuation, there is no any restriction, would be likely to occur the problem being stolen brush by malice, when being therefore determined by being not fully complete payment in the given time, the near field payment function of turning-off mobile terminal, it is possible to avoid mobile terminal loss to cause the problem of stolen brush, be effectively ensured the mobile terminal safety when using near field payment function. Wherein, user can arrange the above-mentioned scheduled time according to practical situation, as being set to 1 minute.
In technique scheme, preferably, also include: identity authenticating unit 206, for when receiving the instruction of the near field payment function opening described mobile terminal that user sends, the identity of described user is verified, and to the authentication of described user by afterwards, it is determined that need to start the near field payment function of described mobile terminal.
In this technical scheme, by when receiving the instruction of the near field payment function opening mobile terminal that user sends, the identity of user is verified, the loss making it possible to be prevented effectively from the near field payment of invalid user stealing mobile terminal and cause user, it is ensured that the mobile terminal safety when using near field payment function.
In technique scheme, it is preferable that described identity authenticating unit 206 specifically for: by the authentication information of described user's typing and/or the identification information of described user that collects are verified, be verified with the identity to described user.
Wherein, the authentication information of user's typing includes: input encrypted message etc. by physical button or virtual key; The identification information of the user collected includes: the finger print information of user, voiceprint, human face image information etc.
In technique scheme, it is preferable that described control unit 204 is additionally operable to: if completing to pay within the described scheduled time, then at the near field payment function simultaneously closing off described mobile terminal completing payment.
In this technical scheme, by the near field payment function simultaneously closing off mobile terminal completing payment, enabling avoid continuing near field payment function and causing that the near field of invalid user stealing mobile terminal pays.
In technique scheme, preferably, described mobile terminal is provided with near field payment circuit, described near field payment circuit and electrical switch are connected in series, then described control unit 204 specifically for: by controlling being turned on and off of described electrical switch, to be turned on and off the near field payment function of described mobile terminal.
The invention allows for a kind of mobile terminal (not shown), including: as shown in Figure 2 for the near field payment mechanism 200 of mobile terminal.
Below for mobile terminal for mobile phone, and describe technical scheme in detail in conjunction with Fig. 3 and Fig. 4.
The invention provides a kind of non-contact IC safe payment method based on certification in short-term, mainly propose, by mobile phone, traditional non-contact IC card circuit is carried out assist control, to reach to improve the purpose of mobile payment security, its ultimate principle is as follows:
Non-contact IC card circuit is built in mobile phone (mainboard, bonnet or other positions); Increasing an electrical switch in its traditional circuit, this switches on and relation is controlled by the application program of mobile phone terminal simultaneously. When user needs to pay, starting payment program, carry out authentication, after being verified, the set time (such as 1 minute) opened by electrical switch; If the user while complete payment within the set time, then control electrical switch and be automatically switched off while having paid; If the user while do not pay in the set time, then electrical switch can be automatically switched off.
Specifically, as shown in Figure 3, if the main circuit that the near field that the present invention proposes pays increases electrical switch in conventional contactless IC-card circuit, and be controlled by mobile phone terminal application program and corresponding control circuit, think that airport pays the effective time provided in short-term, reach the purpose that secure payment controls.
Concrete handling process is as shown in Figure 4.
As shown in Figure 4, method of mobile payment according to an embodiment of the invention, including:
Step 402, user needs to move payment. As user opens the application program needing to move payment.
Step 404, mobile phone terminal starts authentication interface.
Step 406, user's input authentication information. As by the input password authentication information such as the virtual key on physical button, interface, or typing fingerprint etc.
Step 408, it is judged that user whether pass through by certification, if so, then performs step 410; Otherwise, terminate. Wherein, judge whether certification is by being determined mainly through the information of the information of collection Yu preservation being compared for user, such as differentiate identity by the mode of fingerprint recognition, so the Fingerprint Identification Unit of mobile phone terminal gathers the finger print information of user, and compares with the finger print information in the thesaurus of mobile phone terminal and be verification process. Again such as by the application program launching password authentification interface of mobile phone terminal, user needs to be manually entered valid password, is also verification process.
Step 410, controls electrical switch Guan Bi, and non-contact IC card circuit comes into force.
Step 412, it is judged that whether electrical switch closing time is overtime, if so, then performs step 416; Otherwise, step 414 is performed.
Step 414, it may be judged whether complete to pay, if so, then performs step 416; Otherwise, step 412 is returned.
Step 416, controls electrical switch and disconnects, non-contact IC card circuit malfunction.
The technique scheme of the present invention is at the built-in non-contact IC card of mobile phone terminal, and carries out corresponding security control by mobile phone terminal, both ensure that tradition IC-card payment process quickly and convenience, improve again the safety of payment process.
Describing technical scheme in detail above in association with accompanying drawing, the present invention proposes a kind of new near field payment scheme for mobile terminal, it is possible under the premise guaranteeing convenience that near field pays, be effectively increased the safety of near field payment.
The foregoing is only the preferred embodiments of the present invention, be not limited to the present invention, for a person skilled in the art, the present invention can have various modifications and variations. All within the spirit and principles in the present invention, any amendment of making, equivalent replacement, improvement etc., should be included within protection scope of the present invention.
Claims (10)
1. the near field payment method for mobile terminal, it is characterised in that including:
After the near field payment function starting described mobile terminal, it is judged that whether complete to pay by described near field payment function in the given time;
If being not fully complete payment within the described scheduled time, then close the near field payment function of described mobile terminal.
2. the near field payment method for mobile terminal according to claim 1, it is characterised in that judge whether that the step starting the near field payment function of described mobile terminal specifically includes:
When receiving the instruction of the near field payment function opening described mobile terminal that user sends, the identity of described user is verified; And
To the authentication of described user by afterwards, it is determined that need to start the near field payment function of described mobile terminal.
3. the near field payment method for mobile terminal according to claim 2, it is characterised in that by the authentication information of described user's typing and/or the identification information of described user that collects are verified, be verified with the identity to described user.
4. the near field payment method for mobile terminal according to claim 1, it is characterised in that also include:
If completing to pay within the described scheduled time, then at the near field payment function simultaneously closing off described mobile terminal completing payment.
5. the near field payment method for mobile terminal according to any one of claim 1 to 4, it is characterized in that, described mobile terminal is provided with near field payment circuit, described near field payment circuit and electrical switch are connected in series, then by controlling being turned on and off of described electrical switch, to be turned on and off the near field payment function of described mobile terminal.
6. the near field payment mechanism for mobile terminal, it is characterised in that including:
Whether judging unit, for after the near field payment function starting described mobile terminal, it is judged that complete to pay by described near field payment function in the given time;
Control unit, for when described judging unit judges to be not fully complete payment within the described scheduled time, closing the near field payment function of described mobile terminal.
7. the near field payment mechanism for mobile terminal according to claim 6, it is characterised in that also include:
Identity authenticating unit, for when receiving the instruction of the near field payment function opening described mobile terminal that user sends, the identity of described user is verified, and to the authentication of described user by afterwards, it is determined that need to start the near field payment function of described mobile terminal.
8. the near field payment mechanism for mobile terminal according to claim 6, it is characterised in that described control unit is additionally operable to:
If completing to pay within the described scheduled time, then at the near field payment function simultaneously closing off described mobile terminal completing payment.
9. the near field payment mechanism for mobile terminal according to any one of claim 6 to 8, it is characterized in that, being provided with near field payment circuit on described mobile terminal, described near field payment circuit and electrical switch are connected in series, then described control unit specifically for:
By controlling being turned on and off of described electrical switch, to be turned on and off the near field payment function of described mobile terminal.
10. a mobile terminal, it is characterised in that including: the near field payment mechanism for mobile terminal as according to any one of claim 6 to 9.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510175104.0A CN105631660A (en) | 2015-04-14 | 2015-04-14 | Near field payment method for mobile terminal, device and mobile terminal |
| PCT/CN2015/078088 WO2016165171A1 (en) | 2015-04-14 | 2015-04-30 | Near field communication payment method and device for mobile terminal, and mobile terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510175104.0A CN105631660A (en) | 2015-04-14 | 2015-04-14 | Near field payment method for mobile terminal, device and mobile terminal |
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| CN105631660A true CN105631660A (en) | 2016-06-01 |
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| CN201510175104.0A Pending CN105631660A (en) | 2015-04-14 | 2015-04-14 | Near field payment method for mobile terminal, device and mobile terminal |
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| Country | Link |
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| CN (1) | CN105631660A (en) |
| WO (1) | WO2016165171A1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108769959A (en) * | 2018-04-11 | 2018-11-06 | 南京熊猫通信科技有限公司 | A kind of communication terminal near field identifying system and method based on microcell base station |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111654849A (en) * | 2020-05-28 | 2020-09-11 | 惠州Tcl移动通信有限公司 | Quick starting method and system for near field communication, storage medium and terminal equipment |
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| CN103093346A (en) * | 2011-10-31 | 2013-05-08 | 深圳光启高等理工研究院 | Mobile terminal payment method and mobile terminal |
| CN104240085A (en) * | 2013-06-07 | 2014-12-24 | 中兴通讯股份有限公司 | Mobile terminal and mobile payment safety verification method and device |
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| US8041338B2 (en) * | 2007-09-10 | 2011-10-18 | Microsoft Corporation | Mobile wallet and digital payment |
| CN104376274B (en) * | 2014-11-21 | 2017-08-25 | 北京奇虎科技有限公司 | The guard method of mobile terminal payment interface and device |
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- 2015-04-14 CN CN201510175104.0A patent/CN105631660A/en active Pending
- 2015-04-30 WO PCT/CN2015/078088 patent/WO2016165171A1/en active Application Filing
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102081823A (en) * | 2010-12-03 | 2011-06-01 | 中兴通讯股份有限公司 | Method and device for reducing mobile payment transaction interferences and mobile terminal |
| CN103093346A (en) * | 2011-10-31 | 2013-05-08 | 深圳光启高等理工研究院 | Mobile terminal payment method and mobile terminal |
| CN104240085A (en) * | 2013-06-07 | 2014-12-24 | 中兴通讯股份有限公司 | Mobile terminal and mobile payment safety verification method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108769959A (en) * | 2018-04-11 | 2018-11-06 | 南京熊猫通信科技有限公司 | A kind of communication terminal near field identifying system and method based on microcell base station |
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|---|---|
| WO2016165171A1 (en) | 2016-10-20 |
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