CN105701657A - Safe payment method and device based on near field communication (NFC) and mobile terminal - Google Patents

Safe payment method and device based on near field communication (NFC) and mobile terminal Download PDF

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Publication number
CN105701657A
CN105701657A CN201610015480.8A CN201610015480A CN105701657A CN 105701657 A CN105701657 A CN 105701657A CN 201610015480 A CN201610015480 A CN 201610015480A CN 105701657 A CN105701657 A CN 105701657A
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China
Prior art keywords
payment
accepting terminal
field communication
request
nfc
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.)
Pending
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CN201610015480.8A
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Chinese (zh)
Inventor
王强
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Guangdong Genius Technology Co Ltd
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Guangdong Genius Technology Co Ltd
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Priority to CN201610015480.8A priority Critical patent/CN105701657A/en
Publication of CN105701657A publication Critical patent/CN105701657A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention is suitable for the computer technology field, and provides a safe payment method and device based on NFC and a mobile terminal. The method comprises the steps of receiving an NFC payment request sent by a first payment acceptance terminal, obtaining the equipment identification information of the first payment acceptance terminal, caching the equipment identification information, searching whether an NFC payment request coming from a second payment acceptance terminal exists, when the NFC payment request coming from the second payment acceptance terminal is searched, executing a correlated safe payment operation, thereby effectively preventing the unauthorized credit card consumption during an NFC payment process, and improving the payment safety of an NFC payment terminal.

Description

A kind of based on the safe payment method of NFC, device and mobile terminal
Technical field
The invention belongs to field of computer technology, particularly relate to a kind of based on the safe payment method of NFC, device and mobile terminal。
Background technology
Near-field communication (NearFieldCommunication, NFC) it is the radiotechnics of a kind of short distance high frequency, its transmission range is than REID (RadioFrequencyIdentification, RFID) little, but owing to NFC takes the signal attenuation technique of uniqueness, there is the features such as distance is near, bandwidth is high, energy consumption is low relative to NFC RFID, it is possible to provide various equipment rooms safety, communicate rapidly and automatically。
Owing to NFC is compatible with existing contactless smart card technology, have become as the official standard that more and more primary handset manufacturer supports, each cell phone manufacturer is also proposed the intelligent terminal with NFC payment function, such as, there is the Fructus Mali pumilae smart mobile phone of ApplePay, wrist-watch, the smart mobile phone etc. that LG, three magnitude manufacturers provide。In the daily life of user, having the intelligent terminal of NFC payment module and can realize POS as bank card and swipe the card, supplement with money as mass transit card, pay the fees, inquiry into balance etc., user is even without input password, as long as just can complete payment near reception equipment。But, this means of payment there is also certain potential safety hazard, owing to needing the terminal with NFC payment function closely to be placed or on NFC reader or payment accepting terminal, user cannot closely check payout status, some lawless persons may utilize hiding payment reception terminal and carry out stealing brush when user pays, to steal the fund of user, bring harm to user's fund security, reduce the NFC safety paid to a certain extent。
Summary of the invention
The purpose of the embodiment of the present invention is in that to provide a kind of based on the safe payment method of NFC, device and mobile terminal, it is intended to solve, owing to prior art cannot provide a kind of effective safe payment method based on NFC, to cause the problem that NFC payment safety reduces。
On the one hand, the invention provides a kind of safe payment method based on NFC, described method comprises the steps:
Receive the near-field communication payment request that the first payment accepting terminal sends;
Obtain the described first equipment identification information paying accepting terminal equipment identification information described in buffer memory;
Whether search exists pays request from the second near-field communication paying accepting terminal;
When searching the near-field communication payment request existed from the second payment accepting terminal, the secure payment performing association operates。
On the other hand, the invention provides a kind of secure payment device based on NFC, described device includes:
Paying request reception unit, the near-field communication sent for receiving the first payment accepting terminal pays request;
Identification information buffer unit, for obtaining the described first equipment identification information paying accepting terminal, and equipment identification information described in buffer memory;
Pay request search unit, pay request for searching for whether to exist from the second near-field communication paying accepting terminal;And
Delivery operation performance element, for when searching the near-field communication payment request existed from the second payment accepting terminal, the secure payment performing association operates。
On the other hand, present invention also offers a kind of mobile terminal, described mobile terminal includes processor, memorizer and near-field communication payment module, described near-field communication payment module receives the near-field communication payment request that the first payment accepting terminal sends, obtain the described first equipment identification information paying accepting terminal, by described equipment identification information buffer memory in which memory, and search for whether there is the near-field communication payment request from the second payment accepting terminal, when searching the near-field communication payment request existed from the second payment accepting terminal, perform the secure payment operation of association。
In embodiments of the present invention, receive the near-field communication payment request that the first payment accepting terminal sends, obtain the equipment identification information of the first payment accepting terminal, and its equipment identification information of buffer memory, whether search exists pays request from the second near-field communication paying accepting terminal, when searching the near-field communication payment request existed from the second payment accepting terminal, perform the secure payment operation of association, effectively prevent the generation stealing brush situation in near-field communication payment process, improve safety when near-field communication payment terminal pays。
Accompanying drawing explanation
Fig. 1 is the flowchart of the safe payment method based on NFC that the embodiment of the present invention one provides;
Fig. 2 is the flowchart of the safe payment method based on NFC that the embodiment of the present invention two provides;
Fig. 3 is the flowchart of the safe payment method based on NFC that the embodiment of the present invention three provides;
Fig. 4 is the flowchart of the safe payment method based on NFC that the embodiment of the present invention four provides;
Fig. 5 is the structure chart of the secure payment device based on NFC that the embodiment of the present invention five provides;And
Fig. 6 is the structure chart of the mobile terminal that the embodiment of the present invention six provides。
Detailed description of the invention
In order to make the purpose of the present invention, technical scheme and advantage clearly understand, below in conjunction with drawings and Examples, the present invention is further elaborated。Should be appreciated that specific embodiment described herein is only in order to explain the present invention, is not intended to limit the present invention。
Below in conjunction with specific embodiment, implementing of the present invention is described in detail:
Embodiment one:
What Fig. 1 illustrated the safe payment method based on NFC that the embodiment of the present invention one provides realizes flow process, and details are as follows:
In step S101, receive the NFC payment request that the first payment accepting terminal sends。
The embodiment of the present invention is applicable to the mobile terminal with NFC payment module, and wherein, mobile terminal can for being the portable set such as smart mobile phone, panel computer。Exemplarily, here for mobile terminal, embodiments of the invention are described。Mobile terminal is received by the radio-frequency field at its present position place and pays the NFC payment request that accepting terminal sends, and radio-frequency field is produced by the payment accepting terminal initiating to pay, and the distance of its covering is within 10 centimetres, to improve the NFC safety paid。For the ease of subsequent descriptions, this payment accepting terminal being designated as the first payment accepting terminal, paying accepting terminal is the payment accepting terminal communicated by NFC mode。
In step s 102, the equipment identification information of the first payment accepting terminal the equipment identification information that buffer memory obtains are obtained。
In embodiments of the present invention, mobile terminal, after receiving the NFC payment request that the first payment accepting terminal sends, obtains the equipment identification information of the first payment accepting terminal the equipment identification information that buffer memory obtains。Exemplarily, first pay accepting terminal can be POS (Pointofsales) terminal with NFC payment function, the equipment identification information of acquisition be POS terminal identification number is set。
In step s 103, whether search exists from the second NFC payment request paying accepting terminal。
In step S104, when searching the NFC payment request existed from the second payment accepting terminal, the secure payment performing association operates。
In embodiments of the present invention, mobile terminal is after the NFC receiving the first payment accepting terminal pays request, and whether search exists the NFC payment request paying accepting terminal from other NFC。Here other NFC are paid accepting terminal and be designated as the second payment accepting terminal。When searching the NFC payment request existed from the second payment accepting terminal, mobile terminal performs the secure payment operation pre-set。
In embodiments of the present invention, there is the mobile terminal of NFC payment function after receiving the near-field communication payment request that the first payment accepting terminal sends, obtain the equipment identification information of the first payment accepting terminal, and its equipment identification information of buffer memory, when searching the near-field communication payment request existed from the second payment accepting terminal, perform the secure payment operation of association, effectively prevent the generation stealing brush situation in near-field communication payment process, improve safety when near-field communication payment terminal pays。
Embodiment two:
What Fig. 2 illustrated the safe payment method based on NFC that the embodiment of the present invention two provides realizes flow process, and details are as follows:
In step s 201, the NFC payment request that the first payment accepting terminal sends is received。
In step S202, obtain the equipment identification information of the first payment accepting terminal the equipment identification information that buffer memory obtains。
In step S203, whether search exists pays request from the second NFC paying accepting terminal。
In step S204, when searching the NFC payment request existed from the second payment accepting terminal, output vibration, text or information of voice prompt, point out user to there is payment risk, and close NFC payment function。
In embodiments of the present invention, when searching the NFC payment request existed from the second payment accepting terminal, show have multiple payment accepting terminal to have issued payment request, exist and steal brush risk, in order to prevent from stealing the generation of brush event, the NFC payment function of turning-off mobile terminal, and export vibration, text or information of voice prompt, there is payment risk in prompting user, thus improving the NFC safety paid。
Embodiment three:
What Fig. 3 illustrated the safe payment method based on NFC that the embodiment of the present invention three provides realizes flow process, and details are as follows:
In step S301, receive the NFC payment request that the first payment accepting terminal sends。
In step s 302, the equipment identification information of the first payment accepting terminal the equipment identification information that buffer memory obtains are obtained。
In step S303, whether search exists pays request from the second NFC paying accepting terminal。
In step s 304, when searching the NFC payment request existed from the second payment accepting terminal, output vibration, text or voice confirmation request information, the payment accepting terminal of NFC payment is accepted to ask user to confirm。
In step S305, receiving after user confirms to accept the NFC payment accepting terminal paid, send the response message confirming to pay to the payments accepting terminal confirmed, to complete this time payment。
In embodiments of the present invention, when searching the NFC payment request existed from the second payment accepting terminal, output vibration, text or voice confirmation request information, the NFC payment accepting terminal paid is accepted to ask user to confirm, receiving after user confirms to accept the NFC payment accepting terminal paid, send the response message confirming to pay to the payments accepting terminal confirmed, to complete this time payment, thus while guaranteeing to have paid, it is ensured that the safety of payment。
Embodiment four:
What Fig. 4 illustrated the safe payment method based on NFC that the embodiment of the present invention four provides realizes flow process, and details are as follows:
In step S401, receive the NFC payment request that the first payment accepting terminal sends。
In step S402, obtain the equipment identification information of the first payment accepting terminal the equipment identification information that buffer memory obtains。
In step S403, detect and pay request from the second NFC paying accepting terminal。
In step s 404, it may be judged whether detect and pay request from the second NFC paying accepting terminal, be then perform step S405, otherwise perform step S406。
In step S405, when detecting the presence of the NFC payment request paying accepting terminal from second, perform the secure payment operation of association。
In embodiments of the present invention, when detecting the presence of the NFC payment request paying accepting terminal from second, it was shown that have multiple payment accepting terminal to have issued payment request, there is robber's brush risk。Preferably, in order to prevent from stealing the generation of brush event, the NFC payment function of turning-off mobile terminal, and exporting vibration, text or information of voice prompt, there is payment risk in prompting user, thus improving the NFC safety paid。Preferably, vibration, text or voice confirmation request information can be exported to user, the NFC payment accepting terminal paid is accepted to ask user to confirm, receive user confirm accept NFC pay payment accepting terminal after, the response message confirming to pay is sent to the payment accepting terminal confirmed, to complete this time to pay, thus while guaranteeing to have paid, it is ensured that the safety of payment。
In step S406, when being not detected by existing the NFC payment request paying accepting terminal from second, pay accepting terminal to first and send the response message confirming payment, to complete this time to pay。
In embodiments of the present invention, when being not detected by existing the NFC payment request paying accepting terminal from second, pay accepting terminal to first and send the response message confirming payment, to complete this time to pay。Owing to NFC connects and the high efficiency communicated, Consumer's Experience will not be brought appreciable impact by above-mentioned detection process, therefore, improves the NFC safety paid by above-mentioned detection, simultaneously without reducing Consumer's Experience。
In embodiments of the present invention, when detecting the presence of the NFC payment request paying accepting terminal from second, show have multiple payment accepting terminal to have issued payment request, exist and steal brush risk, in order to prevent from stealing the generation of brush event, the NFC payment function of turning-off mobile terminal, and export vibration, text or information of voice prompt, there is payment risk in prompting user, thus improving the NFC safety paid。
One of ordinary skill in the art will appreciate that all or part of step realizing in above-described embodiment method can be by the hardware that program carrys out instruction relevant and completes, described program can be stored in a computer read/write memory medium, described storage medium, such as ROM/RAM, disk, CD etc.。
Embodiment five:
Fig. 5 illustrates the structure of the secure payment device based on NFC that the embodiment of the present invention five provides, and for the ease of illustrating, illustrate only the part relevant to the embodiment of the present invention, including:
Paying request reception unit 51, the NFC sent for receiving the first payment accepting terminal pays request;
Identification information buffer unit 52, for obtaining the described first equipment identification information paying accepting terminal, and equipment identification information described in buffer memory;
Pay request search unit 53, pay request for searching for whether to exist from the second NFC paying accepting terminal;And
Delivery operation performance element 54, for when searching the NFC payment request existed from the second payment accepting terminal, the secure payment performing association operates。
In a preferred embodiment, delivery operation performance element 54 may include that
Paying prompting closing unit, be used for exporting vibration, text or information of voice prompt, there is payment risk in prompting user, and closes NFC payment function。
In another preferred embodiment, delivery operation performance element 54 may include that
Confirmation request output unit, is used for exporting vibration, text or voice confirmation request information, accepts the NFC payment accepting terminal paid to ask user to confirm;And
Payment unit, for receiving after user confirms to accept the NFC payment accepting terminal paid, sending the response message confirming to pay, to complete this time payment to the payments accepting terminal of described confirmation。
In another preferred embodiment, the secure payment device based on NFC may further include:
Payment affirmation unit, for when not searching the NFC payment request existed from the second payment accepting terminal, paying accepting terminal to described first and send the response message of confirmation payment, to complete this time to pay。
The secure payment device based on NFC that the embodiment of the present invention provides can be used in smart mobile phone, panel computer, pays for carrying out safe NFC。
In embodiments of the present invention, the detailed description of the invention of above-mentioned each unit is referred to previous embodiment, does not repeat them here。
Embodiment six:
Fig. 6 illustrates the structure of the mobile terminal that the embodiment of the present invention six provides, and for the ease of illustrating, illustrate only the part relevant to the embodiment of the present invention。
In embodiments of the present invention, mobile terminal 6 includes processor 61, memorizer 62 and NFC payment module 63, wherein:
The NFC payment module 63 of mobile terminal 6 receives the NFC payment request that a payment accepting terminal (being designated as the first payment accepting terminal) sends, obtain the equipment identification information of the first payment accepting terminal, equipment identification information is buffered in memorizer 62, and search for whether there is the NFC payment request from other payments accepting terminal (being designated as the second payment accepting terminal), when searching the NFC payment request existed from the second payment accepting terminal, the secure payment performing association operates。
In embodiments of the present invention, the associated components that the secure payment operation performing association can be controlled mobile terminal by NFC payment module 63 request processor 61 performs, such as, when searching the NFC payment request existed from the second payment accepting terminal, show have multiple payment accepting terminal to have issued payment request, exist and steal brush risk, in order to prevent from stealing the generation of brush event, the NFC payment function of processor 61 or self turning-off mobile terminal of NFC payment module 63, and vibrating motor output vibration or the control audio chip output information of voice prompt of mobile terminal is controlled by processor 61, there is payment risk in prompting user, thus improving the NFC safety paid。
Alternatively, in embodiments of the present invention, when searching the NFC payment request existed from the second payment accepting terminal, the associated components that can be controlled mobile terminal by NFC payment module 63 Trigger processor 61 exports vibration to user, text or voice confirmation request information, the NFC payment accepting terminal paid is accepted to ask user to confirm, receive user confirm accept NFC pay payment accepting terminal after, send the response message confirming to pay to the payment accepting terminal confirmed by NFC payment module 63, to complete this time to pay, thus while guaranteeing to have paid, the safety guaranteed payment。When not searching the NFC payment request existed from the second payment accepting terminal, pay accepting terminal to first and send the response message of confirmation payment, to complete this time to pay。Owing to NFC connects and the high efficiency communicated, Consumer's Experience will not be brought appreciable impact by above-mentioned detection process, therefore, improves the NFC safety paid by above-mentioned detection, simultaneously without reducing Consumer's Experience。
In embodiments of the present invention, it should be appreciated that above-mentioned disclosed method, device and mobile terminal are only schematic, the division of each unit is only a kind of logic function and divides, and can divide otherwise, at this not in order to limit the present invention when being embodied as。
The foregoing is only presently preferred embodiments of the present invention, not in order to limit the present invention, all any amendment, equivalent replacement and improvement etc. made within the spirit and principles in the present invention, should be included within protection scope of the present invention。

Claims (10)

1. the safe payment method based on NFC, it is characterised in that described method comprises the steps:
Receive the near-field communication payment request that the first payment accepting terminal sends;
Obtain the described first equipment identification information paying accepting terminal equipment identification information described in buffer memory;
Whether search exists pays request from the second near-field communication paying accepting terminal;
When searching the near-field communication payment request existed from the second payment accepting terminal, the secure payment performing association operates。
2. the method for claim 1, it is characterised in that when searching the near-field communication payment request existed from the second payment accepting terminal, the step that the secure payment of execution association operates includes:
Output vibration, text or information of voice prompt, there is payment risk in prompting user, and closes near-field communication payment function。
3. the method for claim 1, it is characterised in that when searching the near-field communication payment request existed from the second payment accepting terminal, the step that the secure payment of execution association operates includes:
Output vibration, text or voice confirmation request information, accept the payment accepting terminal that near-field communication pays to ask user to confirm;
Receiving after user confirms to accept the payment accepting terminal that near-field communication pays, send the response message confirming to pay to the payments accepting terminal of described confirmation, to complete this time payment。
4. the method for claim 1, it is characterised in that described method also includes:
When not searching the near-field communication payment request existed from the second payment accepting terminal, pay accepting terminal to described first and send the response message of confirmation payment, to complete this time to pay。
5. the secure payment device based on NFC, it is characterised in that described device includes:
Paying request reception unit, the near-field communication sent for receiving the first payment accepting terminal pays request;
Identification information buffer unit, for obtaining the described first equipment identification information paying accepting terminal, and equipment identification information described in buffer memory;
Pay request search unit, pay request for searching for whether to exist from the second near-field communication paying accepting terminal;And
Delivery operation performance element, for when searching the near-field communication payment request existed from the second payment accepting terminal, the secure payment performing association operates。
6. device as claimed in claim 5, it is characterised in that described delivery operation performance element includes:
Paying prompting closing unit, be used for exporting vibration, text or information of voice prompt, there is payment risk in prompting user, and closes near-field communication payment function。
7. device as claimed in claim 5, it is characterised in that described delivery operation performance element includes:
Confirmation request output unit, is used for exporting vibration, text or voice confirmation request information, accepts the payment accepting terminal that near-field communication pays to ask user to confirm;And
Payment unit, for receiving after user confirms to accept the payment accepting terminal that near-field communication pays, sending the response message confirming to pay, to complete this time payment to the payments accepting terminal of described confirmation。
8. device as claimed in claim 5, it is characterised in that described device also includes:
Payment affirmation unit, for when not searching the near-field communication payment request existed from the second payment accepting terminal, paying accepting terminal to described first and send the response message of confirmation payment, to complete this time to pay。
9. a mobile terminal, described mobile terminal includes processor, memorizer and near-field communication payment module, it is characterized in that, described near-field communication payment module receives the near-field communication payment request that the first payment accepting terminal sends, obtain the described first equipment identification information paying accepting terminal, by described equipment identification information buffer memory in which memory, and search for whether there is the near-field communication payment request from the second payment accepting terminal, when searching the near-field communication payment request existed from the second payment accepting terminal, perform the secure payment operation of association。
10. mobile terminal as claimed in claim 9, it is characterized in that, when not searching the near-field communication payment request existed from the second payment accepting terminal, described near-field communication payment module pays accepting terminal to described first and sends the response message of confirmation payment, to complete this time to pay。
CN201610015480.8A 2016-01-08 2016-01-08 Safe payment method and device based on near field communication (NFC) and mobile terminal Pending CN105701657A (en)

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Application Number Priority Date Filing Date Title
CN201610015480.8A CN105701657A (en) 2016-01-08 2016-01-08 Safe payment method and device based on near field communication (NFC) and mobile terminal

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201610015480.8A CN105701657A (en) 2016-01-08 2016-01-08 Safe payment method and device based on near field communication (NFC) and mobile terminal

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103916852A (en) * 2012-12-28 2014-07-09 联想(北京)有限公司 Data transmission method and mobile terminal
CN103916981A (en) * 2014-03-11 2014-07-09 宇龙计算机通信科技(深圳)有限公司 Method and system for accurately identifying and rapidly transmitting data
CN104574086A (en) * 2014-12-29 2015-04-29 宇龙计算机通信科技(深圳)有限公司 Payment method, device and terminal
CN104732390A (en) * 2015-04-20 2015-06-24 广东欧珀移动通信有限公司 NFC (near field communication) based payment method and device

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103916852A (en) * 2012-12-28 2014-07-09 联想(北京)有限公司 Data transmission method and mobile terminal
CN103916981A (en) * 2014-03-11 2014-07-09 宇龙计算机通信科技(深圳)有限公司 Method and system for accurately identifying and rapidly transmitting data
CN104574086A (en) * 2014-12-29 2015-04-29 宇龙计算机通信科技(深圳)有限公司 Payment method, device and terminal
CN104732390A (en) * 2015-04-20 2015-06-24 广东欧珀移动通信有限公司 NFC (near field communication) based payment method and device

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Application publication date: 20160622