CN105678539A - NFC payment method for wearable device - Google Patents
NFC payment method for wearable device Download PDFInfo
- Publication number
- CN105678539A CN105678539A CN201610019537.1A CN201610019537A CN105678539A CN 105678539 A CN105678539 A CN 105678539A CN 201610019537 A CN201610019537 A CN 201610019537A CN 105678539 A CN105678539 A CN 105678539A
- Authority
- CN
- China
- Prior art keywords
- heart rate
- rate feature
- ecg characteristics
- user
- active user
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
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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
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Abstract
The invention discloses an NFC payment method for a wearable device. The method comprises: receiving an NFC payment instruction; confirming whether the wearable device is in a wearing state; obtaining electrocardiographic features or heart rate features of a current user, and confirming whether the current user is a valid user according to the electrocardiographic features or heart rate features; and starting NFC to do the payment. When the wearable device is worn and the NFC payment instruction is received, the device automatically collects the electrocardiographic features or heart rate features of the current user to verify if the current user is valid, and starts NFC for payment if the current user is valid. As the device can automatically collect the electrocardiographic features or heart rate features of the current user to verify if the current user is valid, the user does not need to do identity verification manually, which is very convenient. As the NFC payment is done only when the current user is valid, the device is high in security.
Description
Technical field
The present invention relates to NFC payment technology field, particularly relate to NFC payment and the system of a kind of wearable device.
Background technology
Currently with NFC (NearFieldCommunication, near-field communication) realize paying realization on a lot of smart machines, the applepay of such as Fructus Mali pumilae, LG, Samsung wrist-watch also all wideling popularize its mobile payment utilizing NFC, topmost reason is that it is convenient, even without password on paying, simply just can complete near reception equipment to pay, but the method there is also potential safety hazard, also completing when user's wrist-watch is lost or held by other people to pay, the account security of user is not ensured by this.
Summary of the invention
It is an object of the invention to provide the NFC payment of wearable device and system, automatically the ecg characteristics or the heart rate feature that are gathered active user by wearable device verify that whether active user is legal, do not need user and be performed manually by authentication, there is great convenience, only active user just carries out NFC payment for validated user, and safety is very strong.
For reaching this purpose, the present invention by the following technical solutions:
First aspect, the NFC payment of a kind of wearable device, including:
Receive NFC payment instruction;
Determine that wearable device is wearing state;
Obtain ecg characteristics or the heart rate feature of active user, determine that active user is validated user according to described ecg characteristics or heart rate feature;
Start NFC to pay.
Wherein, described in receive NFC payment instruction before, also include, the ecg characteristics of the validated user that prestores or heart rate feature.
Wherein, described determine that active user is validated user according to described ecg characteristics or heart rate feature, including:
Ecg characteristics or the heart rate feature of the ecg characteristics of active user or heart rate feature with the validated user prestored are compared, determine ecg characteristics or the heart rate characteristic matching of the ecg characteristics of active user or heart rate feature and the validated user prestored, then active user is validated user.
Wherein, described determine that wearable device is wearing state, including: ecg characteristics or the heart rate feature of active user detected, then wearable device is wearing state.
Wherein, described obtain the heart rate feature of active user or ecg characteristics or heart rate feature after, also include: determine that active user is disabled user according to described ecg characteristics or heart rate feature, forbid that NFC pays;
Send a warning message to preset terminal;
The heart rate feature of the active user of acquisition or ecg characteristics or heart rate feature are sent to cloud server.
Wherein, described ecg characteristics is electrocardiographic wave, and described heart rate feature is at heart rate waveform.
Second aspect, the NFC payment system of a kind of wearable device, including:
Receiver module, is used for receiving NFC payment instruction;
First determines module, is used for determining that wearable device is wearing state;
Second determines module, for obtaining ecg characteristics or the heart rate feature of active user, determines that active user is validated user according to described ecg characteristics or heart rate feature;
Payment module, is used for starting NFC and completes to pay.
Wherein, described determine that active user is validated user according to described ecg characteristics or heart rate feature, including:
Ecg characteristics or the heart rate feature of the ecg characteristics of active user or heart rate feature with the validated user prestored are compared, determine ecg characteristics or the heart rate characteristic matching of the ecg characteristics of active user or heart rate feature and the validated user prestored, then active user is validated user.
Described determine module specifically for: ecg characteristics or the heart rate feature of active user detected, then wearable device is wearing state.
Wherein, described NFC payment system also includes:
Pre-storing module, for ecg characteristics or the heart rate feature of the validated user that prestores;
3rd determines module, for determining that active user is disabled user according to described ecg characteristics or heart rate feature, forbids that NFC pays;
First sending module, for sending a warning message to preset terminal;
Second sending module, for being sent to cloud server by the heart rate feature of the active user of acquisition or ecg characteristics or heart rate feature.
Wherein, described ecg characteristics is electrocardiographic wave, and described heart rate feature is at heart rate waveform.
The invention discloses the NFC payment of a kind of wearable device and system, when being worn by wearable device, when receiving NFC payment instruction, wrist-watch gathers the ecg characteristics of active user or heart rate feature automatically to verify that whether active user is for validated user, if then starting NFC to pay, wrist-watch gathers the ecg characteristics of active user or heart rate feature automatically to verify that whether active user is legal, do not need user and be performed manually by authentication, there is great convenience, only active user just carries out NFC payment for validated user, and safety is very strong.
Accompanying drawing explanation
Fig. 1 is the method flow diagram of the NFC payment first embodiment of a kind of wearable device provided by the invention.
Fig. 2 is the method flow diagram of NFC payment second embodiment of a kind of wearable device provided by the invention.
Fig. 3 is the block diagram of the NFC payment system first embodiment of a kind of wearable device provided by the invention.
Fig. 4 is the block diagram of NFC payment system second embodiment of a kind of wearable device provided by the invention.
Detailed description of the invention
Technical scheme is further illustrated below in conjunction with accompanying drawing and by detailed description of the invention.
Embodiment one
As it is shown in figure 1, the NFC payment of a kind of wearable device, comprise the following steps:
S101, receive NFC payment instruction.
User opens the NFC payment function on wearable device when needing to pay. It is a kind of emerging mobile payment mode that NFC pays, and the process of payment carries out at the scene, and online under carry out, it is not necessary to use mobile network, but use NFC radio-frequency channel to realize the local communication with the equipment such as POS cashing machine or automatic vending machine.NFC close range wireless communication is the mainstream technology that near field pays, and it is a kind of short-range high frequency wireless communication technique, it is allowed to carry out contactless Point-to-Point Data Transmission exchange data between electronic equipment.
S102, determine that wearable device is wearing state.
According to described ecg characteristics or heart rate feature, S103, the ecg characteristics obtaining active user or heart rate feature, determine that active user is validated user.
When wearable device receives NFC payment instruction and is in wearing state, wearable device obtains ecg characteristics or the heart rate feature of active user automatically by ECG detection device or heartbeat detection device, determines that active user is validated user according to described ecg characteristics or heart rate feature. Validated user refers to and passes through authentication, it is possible to use NFC carries out the user paid.
The ecg characteristics of different people or heart rate feature are different, this makes ecg characteristics or heart rate feature can become outstanding bio information identification material, and the ecg characteristics of same person or heart rate feature have very strong general character, distinguishing ecg characteristics or the heart rate feature identification that same person obtains under different conditions can be that same person owns by this general character, and therefore ecg characteristics or heart rate feature can become a kind of effective identification feature; And ecg characteristics or heart rate feature are owing to itself being active, compared to other biological feature, such as iris, fingerprint, vein pattern and face etc., ecg characteristics or heart rate feature are not easy to be replicated, and therefore have higher safety and accuracy according to ecg characteristics or heart rate feature identification identity.
Ecg characteristics or heart rate feature have the advantage of non-active collection, and this makes the method for the present invention have great convenience. Non-active collection refers to manual operation that need not be too much and gathers information, such as, on band after wearable device, skin directly contacts with ECG detection device or the heartbeat detection device of wearable device, and ECG detection device or heartbeat detection device gather ecg characteristics or heart rate feature automatically; And the biological characteristic such as face, iris needs user that face or human eye are directed at photographic head.
S104, startup NFC pay.
Validated user can use NFC successfully to pay.
The NFC payment of a kind of wearable device that the embodiment of the present invention provides, when being worn by wearable device, when receiving NFC payment instruction, wrist-watch gathers the ecg characteristics of active user or heart rate feature automatically to verify that whether active user is for validated user, if then starting NFC to pay, wrist-watch gathers the ecg characteristics of active user or heart rate feature automatically to verify that whether active user is legal, do not need user and be performed manually by authentication, there is great convenience, only active user just carries out NFC payment for validated user, and safety is very strong.
Embodiment two
The present embodiment adds several step on the basis of embodiment one, and the content that the present embodiment is not yet detailed refer to embodiment one.
As in figure 2 it is shown, the method for a kind of urgent call transfer, comprise the following steps:
S201, the ecg characteristics of the validated user that prestores or heart rate feature.
Before user carries out NFC payment, wearable device needs to prestore the ecg characteristics of validated user or heart rate feature, as the mark of validated user.
S202, receive NFC payment instruction.
S203, determine that wearable device is wearing state.
Preferably, described determine that wearable device is wearing state, including: ecg characteristics or the heart rate feature of active user detected, then wearable device is wearing state.
The detection of heart rate feature or ecg characteristics can interpolate that whether user wears wrist-watch, represent that user does not wear when can't detect heart rate or electrocardio value, now there may exist other people uses wrist-watch to carry out the probability paid, and therefore then cannot complete to pay when detecting and not wearing.
Wearable device is once be worn, then with contact skin, namely ECG detection device or heartbeat detection device can detect that ecg characteristics or heart rate feature.
S204, the ecg characteristics obtaining active user or heart rate feature;
S205, judge according to described ecg characteristics or heart rate feature whether active user is validated user; If so, step S206 is entered, if it is not, enter step S207.
Preferably, described ecg characteristics is electrocardiographic wave, and described heart rate feature is at heart rate waveform.
Preferably, described determine that active user is validated user according to described ecg characteristics or heart rate feature, including: ecg characteristics or the heart rate feature of the ecg characteristics of active user or heart rate feature with the validated user prestored are compared, determine ecg characteristics or the heart rate characteristic matching of the ecg characteristics of active user or heart rate feature and the validated user prestored, then active user is validated user; Otherwise active user is disabled user.
S206, startup NFC pay.
S207, forbid that NFC pays.
S208, send a warning message to preset terminal.
Described preset terminal is bind, with described wearable device, the terminal associated, the holder of preset terminal can be the holder of wearable device, can also be the people close with the holder relationships of described wearable device, send a warning message to preset terminal, the holder being easy to wearable device can find that others illegally uses the account of oneself in time, and finds that the account of oneself exists security risk.
S209, the heart rate feature of the active user of acquisition or ecg characteristics or heart rate feature are sent to cloud server.
Record heart rate or the ECG information of current wearer, and upload high in the clouds and preserve, when user be because equipment stolen time, it is possible to provide confirm the identity information of stealer to the police.
It should be noted that step S207, step S208 and step S209 do not have the sequencing of certainty, three judges to carry out after active user is disabled user at wearable device.
The NFC payment of a kind of wearable device that the embodiment of the present invention provides, has great convenience and high safety; Inform the user of wearable device when other people illegally access to your account in time, and heart rate feature or the ecg characteristics of disabled user are saved in cloud server, in order to the police confirm the identity information of disabled user.
Embodiment three
The NFC payment system of a kind of wearable device of the present embodiment, corresponding with the method in embodiment one, not yet detailed part is referred to embodiment one.
As it is shown on figure 3, the NFC payment system of a kind of wearable device, including:
Receiver module 101, is used for receiving NFC payment instruction.
First determines module 102, is used for determining that wearable device is wearing state.
Second determines module 103, for obtaining ecg characteristics or the heart rate feature of active user, determines that active user is validated user according to described ecg characteristics or heart rate feature.
Payment module 104, is used for starting NFC and completes to pay.
Embodiment four
The NFC payment system of a kind of wearable device of the present embodiment, corresponding with the method in embodiment two, not yet detailed part is referred to embodiment two.
As shown in Figure 4, the NFC payment system of a kind of wearable device, including:
Pre-storing module 201, for ecg characteristics or the heart rate feature of the validated user that prestores.
Receiver module 202, is used for receiving NFC payment instruction.
First determines module 203, is used for determining that wearable device is wearing state.
Second determines module 204, for obtaining ecg characteristics or the heart rate feature of active user, determines that active user is validated user according to described ecg characteristics or heart rate feature.
Payment module 205, is used for starting NFC and completes to pay.
3rd determines module 206, for determining that active user is disabled user according to described ecg characteristics or heart rate feature, forbids that NFC pays;
First sending module 207, for sending a warning message to preset terminal;
Second sending module 208, for being sent to cloud server by the heart rate feature of the active user of acquisition or ecg characteristics or heart rate feature.
The NFC payment system of a kind of wearable device that the embodiment of the present invention provides, has great convenience and high safety; Inform the user of wearable device when other people illegally access to your account in time, and heart rate feature or the ecg characteristics of disabled user are saved in cloud server, in order to the police confirm the identity information of disabled user.
The know-why of the present invention is described above in association with specific embodiment. These descriptions are intended merely to explanation principles of the invention, and can not be construed to limiting the scope of the invention by any way. Based on explanation herein, those skilled in the art need not pay performing creative labour can associate other detailed description of the invention of the present invention, and these modes fall within protection scope of the present invention.
Claims (10)
1. the NFC payment of a wearable device, it is characterised in that including:
Receive NFC payment instruction;
Determine that wearable device is wearing state;
Obtain ecg characteristics or the heart rate feature of active user, determine that active user is validated user according to described ecg characteristics or heart rate feature;
Start NFC to pay.
2. NFC payment as claimed in claim 1, it is characterised in that described in receive NFC payment instruction before, also include, the ecg characteristics of the validated user that prestores or heart rate feature.
3. NFC payment as claimed in claim 1, it is characterised in that described determine that active user is validated user according to described ecg characteristics or heart rate feature, including:
Ecg characteristics or the heart rate feature of the ecg characteristics of active user or heart rate feature with the validated user prestored are compared, determine ecg characteristics or the heart rate characteristic matching of the ecg characteristics of active user or heart rate feature and the validated user prestored, then active user is validated user.
4. NFC payment as claimed in claim 1, it is characterised in that described determine that wearable device is wearing state, including: ecg characteristics or the heart rate feature of active user detected, then wearable device is wearing state.
5. NFC payment as claimed in claim 1, it is characterized in that, described obtain the heart rate feature of active user or ecg characteristics or heart rate feature after, also include: determine that active user is disabled user according to described ecg characteristics or heart rate feature, forbid that NFC pays;
Send a warning message to preset terminal;
The heart rate feature of the active user of acquisition or ecg characteristics or heart rate feature are sent to cloud server.
6. NFC payment as claimed in claim 1, it is characterised in that described ecg characteristics is electrocardiographic wave, and described heart rate feature is at heart rate waveform.
7. the NFC payment system of a wearable device, it is characterised in that including:
Receiver module, is used for receiving NFC payment instruction;
First determines module, is used for determining that wearable device is wearing state;
Second determines module, for obtaining ecg characteristics or the heart rate feature of active user, determines that active user is validated user according to described ecg characteristics or heart rate feature;
Payment module, is used for starting NFC and completes to pay.
8. NFC payment system as claimed in claim 7, it is characterised in that described determine that active user is validated user according to described ecg characteristics or heart rate feature, including:
Ecg characteristics or the heart rate feature of the ecg characteristics of active user or heart rate feature with the validated user prestored are compared, determine ecg characteristics or the heart rate characteristic matching of the ecg characteristics of active user or heart rate feature and the validated user prestored, then active user is validated user.
Described determine module specifically for: ecg characteristics or the heart rate feature of active user detected, then wearable device is wearing state.
9. NFC payment system as claimed in claim 7, it is characterised in that also include:
Pre-storing module, for ecg characteristics or the heart rate feature of the validated user that prestores;
3rd determines module, for determining that active user is disabled user according to described ecg characteristics or heart rate feature, forbids that NFC pays;
First sending module, for sending a warning message to preset terminal;
Second sending module, for being sent to cloud server by the heart rate feature of the active user of acquisition or ecg characteristics or heart rate feature.
10. NFC payment system as claimed in claim 7, it is characterised in that described ecg characteristics is electrocardiographic wave, and described heart rate feature is at heart rate waveform.
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| CN201610019537.1A CN105678539A (en) | 2016-01-11 | 2016-01-11 | NFC payment method for wearable device |
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| CN201610019537.1A CN105678539A (en) | 2016-01-11 | 2016-01-11 | NFC payment method for wearable device |
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Cited By (17)
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| CN106203033A (en) * | 2016-06-29 | 2016-12-07 | 联想(北京)有限公司 | A kind of mandate wearable device and authorization method |
| CN106407785A (en) * | 2016-11-25 | 2017-02-15 | 北京数码视讯支付技术有限公司 | Payment method and apparatus for wearable device |
| CN106485498A (en) * | 2016-09-05 | 2017-03-08 | 努比亚技术有限公司 | A kind of method and device of information processing |
| CN106846000A (en) * | 2017-02-24 | 2017-06-13 | 广东小天才科技有限公司 | A kind of method of payment and device |
| CN107239945A (en) * | 2017-04-25 | 2017-10-10 | 努比亚技术有限公司 | A kind of terminal, method of payment and system |
| CN107528691A (en) * | 2016-06-21 | 2017-12-29 | 中兴通讯股份有限公司 | Communication security control method and wearable device |
| WO2018094920A1 (en) * | 2016-11-23 | 2018-05-31 | 华为技术有限公司 | Ppg authentication method and device |
| CN108108975A (en) * | 2017-12-12 | 2018-06-01 | 福建联迪商用设备有限公司 | A kind of payment authentication method and terminal based on electrocardiogram and vocal print |
| CN108647961A (en) * | 2018-04-26 | 2018-10-12 | 华南理工大学 | Digital cash wallet based on electrocardiosignal authentication |
| CN108718264A (en) * | 2018-05-30 | 2018-10-30 | 出门问问信息科技有限公司 | Debug the method and device of smart machine setting |
| CN108776781A (en) * | 2018-05-31 | 2018-11-09 | 出门问问信息科技有限公司 | Debug the method and device of wearable device setting |
| CN109116445A (en) * | 2018-08-30 | 2019-01-01 | Oppo广东移动通信有限公司 | Weather prompting method, apparatus, storage medium and terminal |
| CN109565663A (en) * | 2016-08-05 | 2019-04-02 | 艾利丹尼森零售信息服务公司 | Wearable NFC device for secure data interaction |
| CN109840775A (en) * | 2018-12-25 | 2019-06-04 | 福建联迪商用设备有限公司 | A kind of method and terminal improving wearable device safety |
| CN109993146A (en) * | 2019-04-09 | 2019-07-09 | 深圳安泰创新科技股份有限公司 | Indentity identifying method, electronic equipment and storage medium based on recognition of face |
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| CN107528691A (en) * | 2016-06-21 | 2017-12-29 | 中兴通讯股份有限公司 | Communication security control method and wearable device |
| CN106203033A (en) * | 2016-06-29 | 2016-12-07 | 联想(北京)有限公司 | A kind of mandate wearable device and authorization method |
| CN109565663A (en) * | 2016-08-05 | 2019-04-02 | 艾利丹尼森零售信息服务公司 | Wearable NFC device for secure data interaction |
| CN106485498A (en) * | 2016-09-05 | 2017-03-08 | 努比亚技术有限公司 | A kind of method and device of information processing |
| WO2018094920A1 (en) * | 2016-11-23 | 2018-05-31 | 华为技术有限公司 | Ppg authentication method and device |
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| CN106407785A (en) * | 2016-11-25 | 2017-02-15 | 北京数码视讯支付技术有限公司 | Payment method and apparatus for wearable device |
| CN106846000A (en) * | 2017-02-24 | 2017-06-13 | 广东小天才科技有限公司 | A kind of method of payment and device |
| CN107239945A (en) * | 2017-04-25 | 2017-10-10 | 努比亚技术有限公司 | A kind of terminal, method of payment and system |
| CN108108975A (en) * | 2017-12-12 | 2018-06-01 | 福建联迪商用设备有限公司 | A kind of payment authentication method and terminal based on electrocardiogram and vocal print |
| CN110311700A (en) * | 2018-03-23 | 2019-10-08 | 卡西欧计算机株式会社 | Electric terminal, electronic watch, safety setting method and storage medium |
| CN110311700B (en) * | 2018-03-23 | 2021-07-20 | 卡西欧计算机株式会社 | Electronic terminal, electronic timepiece, security setting method, and storage medium |
| CN108647961A (en) * | 2018-04-26 | 2018-10-12 | 华南理工大学 | Digital cash wallet based on electrocardiosignal authentication |
| CN108718264A (en) * | 2018-05-30 | 2018-10-30 | 出门问问信息科技有限公司 | Debug the method and device of smart machine setting |
| CN108776781A (en) * | 2018-05-31 | 2018-11-09 | 出门问问信息科技有限公司 | Debug the method and device of wearable device setting |
| CN109116445A (en) * | 2018-08-30 | 2019-01-01 | Oppo广东移动通信有限公司 | Weather prompting method, apparatus, storage medium and terminal |
| CN109840775A (en) * | 2018-12-25 | 2019-06-04 | 福建联迪商用设备有限公司 | A kind of method and terminal improving wearable device safety |
| CN109993146A (en) * | 2019-04-09 | 2019-07-09 | 深圳安泰创新科技股份有限公司 | Indentity identifying method, electronic equipment and storage medium based on recognition of face |
| WO2021184991A1 (en) * | 2020-03-20 | 2021-09-23 | Oppo广东移动通信有限公司 | Privacy protection method and apparatus, wearable device, and computer-readable storage medium |
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