CN105787718A - Business logistics safe payment method based on cash on delivery - Google Patents

Abstract

The invention relates to a business logistics safe payment method based on cash on delivery. After a hand-held POS terminal of a delivery man is connected with a mobile intelligent terminal of an addressee, the hand-held POS terminal and the mobile intelligent terminal respectively send their respective current positions, current position noise and air humidity to an authentication mechanism, the authentication mechanism, when determining that two payment sides are disposed within a safe transaction space distance and a current position noise difference and an air humidity difference between the two sides are within safety scopes, sends transaction secret keys to the two payment sides of cash on delivery, and the mobile intelligent terminal, according to conditions of already constructed left and right hand-pressing pressure databases of each button, when determining that a current payment password is input by a legal owner, transferring a fee to the account of a logistics company. In a cash-on-delivery transaction process, a tax supervision system monitors in real time a transaction order completion condition, and after a transaction succeeds, a banking system plays the role of deducting business taxes for a trade company and the logistics company.

Description

Based on the business logistics safe payment method cashed on delivery

Technical field

The present invention relates to business logistics field, particularly relate to a kind of based on the business logistics safe payment method cashed on delivery.

Background technology

In recent years, along with the fast development of ecommerce, increasing consumer likes being done shopping by the network platform, selects oneself loved commodity with this.After commodity selection completes, the network platform can provide on-line payment or the mode cashed on delivery that selected commodity are paid.Wherein, consumer is in order to avoid because of the selected commodity situation inconsistent with description in kind, consumer can tend to select the mode cashed on delivery to pay purchase.The mode of cashing on delivery refers to, after consumer submits basic sequence information to, by logistics company after businessman's picking, commodity are dispatched into place of consumer, after consumer satisfaction, then utilize the mode payment for merchandise expense of cash or POS and the despatch of logistics company to use, these two expenses of consumer payment are temporarily preserved by logistics company, and specify, over a period to come by the Cost transfer of commodity to businessman, thus completing the whole process cashed on delivery. on schedule.

Cashing on delivery of businessman's charge is substituted at existing logistics company, yet suffer from some problems: first, safety of payment problem can be there is when consumer utilizes POS to swipe the card, such as, in the payment process cashed on delivery, Transaction Information is easily cracked by malicious third parties, and consumer or logistics company are brought economic loss；Secondly, the existing mode of cashing on delivery lacks businessman and logistics company taxation supervision more accurately, causes that tax dodging occur in part businessman or logistics company, decreases the tax revenues of country.

Summary of the invention

The technical problem to be solved be for above-mentioned prior art provide a kind of can convenient, be safely completed the cashing on delivery of commodity, ensure cod transaction safety, the businessman of net purchase platform and logistics company can be carried out again effective taxation supervision based on the business logistics safe payment method cashed on delivery.

This invention address that the technical scheme that above-mentioned technical problem adopts is: based on the business logistics safe payment method cashed on delivery, for the business logistics payment transaction system that merchant terminal, shopping online platform, consumer end, logistics company management platform, certification authority, banking system and tax supervisory systems are constituted, it is characterized in that, in turn include the following steps:

(1) businessman and logistics company register respective collecting account in banking system respectively, register respective identifier of paying taxes in tax supervisory systems, and respective identifier of paying taxes registered by shopping on the web platform；

(2) its each handheld POS terminal with NFC function is all put on record by logistics company management platform, set up each handheld POS terminal respectively with the communication connection of banking system, certification authority, utilize handheld POS terminal to send certification respectively and ask to banking system and certification authority, banking system generates the financial certification authority set of certificates of itself and the PKI of handheld POS terminal communication, handheld POS terminal, and sends financial certification authority set of certificates and PKI to handheld POS terminal；Certification authority generates the credit accreditation set of certificates of itself and the PKI of handheld POS terminal communication, handheld POS terminal, concurrently delivers letters and uses certification set of certificates and PKI to handheld POS terminal；Wherein:

Described handheld POS terminal is designated as POS, and banking system is designated as BANK, and certification authority is designated as TSM, and the financial certification authority set of certificates of handheld POS terminal is labeled as Cert (BANK_POS), the PKI of banking system and handheld POS terminal is designated as k (POS, BANK)；The credit accreditation set of certificates of handheld POS terminal is labeled as Cert (TSM_POS), certification authority and handheld POS terminal public key are designated as k (POS, TSM)；Wherein:

Cert(TSM_POS)={ Cert¹(TSM_POS),Cert²(TSM_POS),···,Cert^m(TSM_POS)}；

Cert(BANK_POS)={ Cert¹(BANK_POS),Cert²(BANK_POS),···,Cert^m(BANK_POS)}；m≥3；

Wherein, m represent handheld POS terminal can financial certification authority certificate and credit accreditation certificate number, the credit accreditation certificate of handheld POS terminal and its financial certification authority certificate are one-to-one relationship；Each credit accreditation certificate in handheld POS terminal credit accreditation set of certificates and each financial certification authority certificate in its financial certification authority set of certificates are followed traversal and are used rule and all limit use once；

(3) identifier of paying taxes registered by businessman's shopping on the web platform, and by merchant terminal shopping on the web platform publishing commodity information, after consumer utilizes consumer end's shopping on the web platform selecting end article, register addressee's contact details of purchased commodity, and select to cash on delivery, after the generation of shopping online platform, preserving the trading order form for purchased commodity, shopping online platform sends this commodity transaction order to be paid and stores to tax supervisory systems；Wherein, trading order form includes trading order form number, order generates Business Contact Information and businessman belonging to time, end article title and price, end article and pays taxes identifier, addressee information and mode of cashing on delivery；

(4) shopping online platform sends picking notice and trading order form to logistics company management platform, after logistics company management platform preserves trading order form, notice logistics company picking person locates picking according to trading order form information in businessman, and according to the addressee information in trading order form, logistics company management platform notify that logistics company is sent part person to carry the handheld POS terminal put on record and sent commodity with charge free according to the addressee information in trading order form；

(5) addressee utilizes it to have the mobile intelligent terminal of NFC function to send certification respectively and ask to banking system and certification authority, banking system generates the financial certification authority set of certificates of its PKI communicated with mobile intelligent terminal, mobile intelligent terminal, and sends financial certification authority set of certificates, PKI to mobile intelligent terminal；Certification authority generates the credit accreditation set of certificates of its PKI communicated with mobile intelligent terminal, mobile intelligent terminal, concurrently delivers letters with certification set of certificates, PKI to mobile intelligent terminal；Wherein:

Described mobile intelligent terminal is designated as Mobile, and the financial certification authority set of certificates of mobile intelligent terminal is labeled as Cert (BANK_Mobile), the PKI of banking system and mobile intelligent terminal is designated as k (Mobile, BANK)；The credit accreditation set of certificates of mobile intelligent terminal is labeled as Cert (TSM_Mobile), the PKI of certification authority and mobile intelligent terminal is designated as k (Mobile, TSM)；Wherein:

Cert(TSM_Mobile)={ Cert¹(TSM_Mobile),Cert²(TSM_Mobile),···,Cert^m(TSM_Mobile)}；

Cert(BANK_Mobile)={ Cert¹(BANK_Mobile),Cert²(BANK_Mobile),···,Cert^m(BANK_Mobile)}；m≥3；Wherein, the credit accreditation certificate of mobile intelligent terminal and its financial certification authority certificate are one-to-one relationship；Each credit accreditation certificate in mobile intelligent terminal credit accreditation set of certificates and each financial certification authority certificate in its financial certification authority set of certificates are followed traversal and are used rule and all limit use once；

(6) mobile intelligent terminal in preset time period its lawful owner of Real-time Collection when delivery operation, on keyboard, each button presses pressure value and presses pressure direction, build mobile intelligent terminal lawful owner utilizes the left hand that left hand and the right hand are respectively directed to each button to press pressure data storehouse and the right hand presses pressure data storehouse when delivery operation, and calculates each button left hand respectively and press pressure data storehouse and the right hand presses the variance in pressure data storehouse；Wherein:

On described mobile intelligent terminal, i-th button is designated as Button_i, for button Button_iThe left hand of constructed mobile intelligent terminal lawful owner is pressed pressure data storehouse and is designated asThe right hand is pressed pressure data storehouse and is designated asN be left hand press pressure data storehouse and the right hand press pressure data storehouse stores respectively press pressure data number；Represent for button Button_iThe n-th of the mobile intelligent terminal lawful owner's left hand gathered presses pressure data,Represent for button Button_iThe n-th of the mobile intelligent terminal lawful owner's right hand gathered presses pressure data；Described button Button_iThe variance that suffered mobile intelligent terminal lawful owner's left hand presses pressure is designated asMobile intelligent terminal lawful owner's right hand is pressed the variance of pressure and is designated asWherein, varianceWithComputing formula respectively as follows:

${\mathrm{\σ}}_{Left}^2\left({\mathrm{Button}}_i\right)=\underset{n=1}{\overset{N}{\Σ}}\frac{{\left(F_{Buttoni}^{Left}\right(n)-\stackrel{\‾}{F_{Buttoni}^{Left}})}^2}{N},\stackrel{\‾}{F_{Buttoni}^{Left}}=\underset{n=1}{\overset{N}{\Σ}}\frac{F_{Buttoni}^{Left}\left(n\right)}{N};$

${\mathrm{\σ}}_{Right}^2\left({\mathrm{Button}}_i\right)=\underset{n=1}{\overset{N}{\Σ}}\frac{{\left(F_{Buttoni}^{Right}\right(n)-\stackrel{\‾}{F_{Buttoni}^{Right}})}^2}{N},\stackrel{\‾}{F_{Buttoni}^{Right}}=\underset{n=1}{\overset{N}{\Σ}}\frac{F_{Buttoni}^{Right}\left(n\right)}{N};$

(7) logistics company send part person send with charge free commodity to addressee place and wait addressee pay the bill time, after logistics company sends part person to open the NFC function of handheld POS terminal and addressee opens the NFC function of its mobile intelligent terminal, handheld POS terminal generates, store the effective time value of the first random number and the first random number, obtain noise and the air humidity of current location and current location, then the payment request information including handheld POS terminal self signature is sent to the mobile intelligent terminal of addressee, and send handheld POS terminal current location, current location noise and air humidity data are to certification authority；Wherein:

Described payment request information includes the first random number R P that handheld POS terminal generates₁, this first random number R P₁Effective time value TP, the financial certification authority certificate Cert that chooses of payment request ReqM, handheld POS terminal^t(BANK_POS), the credit accreditation certificate Cert that chooses of handheld POS terminal^t(TSM_POS), handheld POS terminal self signature Sig_POSAnd the private key sk (POS) of handheld POS terminal；Wherein, this payment request information is designated as Message_P-M, payment request information Message_P-MAs follows by formula labelling:

${\mathrm{Message}}_{P-M}=\left\{\begin{array}{c}POS,Mobile,{\mathrm{RP}}_1,TP,{\mathrm{Cert}}^t\left({\mathrm{BANK}}_{POS}\right),{\mathrm{Cert}}^t\left({\mathrm{TSM}}_{POS}\right),\mathrm{Re}M,\\ {\mathrm{Sig}}_{POS},sk\left(POS\right)\end{array}\right\};t\∈\[1,m\];$

(8) mobile intelligent terminal receives the payment request information that handheld POS terminal sends, generate anti-the first random number stolen secret information, obtain noise and the air humidity of mobile intelligent terminal current location and current location, and send the certification solicited message and mobile intelligent terminal current location, current location noise and air humidity that include handheld POS terminal payment request information to certification authority；Wherein:

The certification solicited message that described mobile intelligent terminal sends includes the payment request information Message of handheld POS terminal_P-M, mobile intelligent terminal generate anti-the first random number R W stolen secret information₁, certification request ReqT, its ask PKI k (Wallet, TSM) of communicating between ReqSession and mobile intelligent terminal with certification authority with handheld POS terminal session；Wherein, this certification solicited message of mobile intelligent terminal is labeled as Message_M-T, wherein:

Message_M-T={ Message_P-M,TSM,RM₁,ReqT,ReqSession,k(Mobile,TSM)}；

(9) certification authority receives, extracts certification solicited message and mobile intelligent terminal current location and current location noise and air humidity that mobile intelligent terminal sends, record receives the time of mobile intelligent terminal certification request, and mobile intelligent terminal is made whether the feedback being traded according to the certification solicited message of the mobile intelligent terminal extracted, mobile intelligent terminal current location and current location noise and air humidity, handheld POS terminal current location and current location noise and air humidity；Wherein, this step includes step (9-1) successively to step (9-3):

(9-1) when certification authority judges the effective time value that the time that the handheld POS terminal credit accreditation certificate extracted is present in the credit accreditation certificate database that certification authority has stored and certification authority's reception mobile intelligent terminal certification is asked is positioned at the first random number, show that the handheld POS terminal that this credit accreditation certificate is effective and corresponding is security terminal, certification authority generates the transaction key between mobile intelligent terminal and this handheld POS terminal, and performs step (9-2)；Otherwise, certification authority sends refusal Transaction Information to mobile intelligent terminal；

(9-2) certification authority is according to the handheld POS terminal extracted and the current location of mobile intelligent terminal and current location noise, judge handheld POS terminal and mobile intelligent terminal the difference of current location noise corresponding respectively be positioned at default difference range, and the space length between handheld POS terminal and mobile intelligent terminal less than default Secure Transaction word space threshold time, then perform step (9-3)；Otherwise, certification authority sends refusal Transaction Information to mobile intelligent terminal

(9-3) certification authority judge handheld POS terminal and mobile intelligent terminal the difference of air humidity corresponding respectively when being positioned at default difference range, then certification authority sends and confirms that Transaction Information is to mobile intelligent terminal；Otherwise, certification authority sends refusal Transaction Information to mobile intelligent terminal；Wherein:

The confirmation Transaction Information that described certification authority sends is labeled as Message_T-M-Confirm, the transaction key of mobile intelligent terminal and handheld POS terminal room is designated as K, and the refusal Transaction Information that certification authority sends is labeled as Message_T-M-Reject；Wherein:

Message_T-M-Confirm={ TSM, Mobile, POS, RP₁,RM₁,TP,Cert^t(TSM_POS),K,k(Mobile,TSM)}；

Message_T-M-Reject={ TSM, Mobile, POS, RP₁,RM₁,RejectP,k(Mobile,TSM)}；

(10) mobile intelligent terminal receives the confirmation Transaction Information that certification authority sends, and the transaction interactive information including mobile intelligent terminal signature is sent to handheld POS terminal；Wherein:

Described transaction interactive information includes the signature Sig of mobile intelligent terminal_Mobile, the financial certification authority certificate Cert that chooses of the anti-transaction key of the first random number, mobile intelligent terminal and handheld POS terminal room stolen secret information that generates of mobile intelligent terminal, mobile intelligent terminal^s(BANK_Mobile), the credit accreditation certificate Cert that chooses of mobile intelligent terminal^s(TSM_Mobile) and the credit accreditation certificate Cert chosen of handheld POS terminal^t(TSM_POS)；Wherein, the transaction interactive information that described mobile intelligent terminal sends is labeled as Message_M-P, conclude the business interactive information Message_M-PAs follows by formula labelling:

${\mathrm{Message}}_{M-P}=\left\{\begin{array}{c}Mobile,POS,TSM,{\mathrm{RM}}_1,{\mathrm{Cert}}^s\left({\mathrm{BANK}}_{Mobile}\right),{\mathrm{Cert}}^s\left({\mathrm{TSM}}_{Mobile}\right),K,\\ {\mathrm{Sig}}_{Mobile},{\mathrm{Cert}}^t\left({\mathrm{TSM}}_{POS}\right)\end{array}\right\};s\∈\[1,m\];$

(11) handheld POS terminal receives, extracts the transaction interactive information that mobile intelligent terminal sends, and judge according to the information extracted in interactive information of concluding the business: when the handheld POS terminal credit accreditation certificate that handheld POS terminal is extracted in interactive information of concluding the business has been stored in the credit accreditation certificate database of its storage, then perform step (12)；Otherwise, handheld POS terminal refusal carries out payment transaction with mobile intelligent terminal；

(12) handheld POS terminal generates the second random number, and send include the second random number of its generation, the first random number, mobile intelligent terminal prevent that the payment information of payment is to mobile intelligent terminal needed for the first random number stolen secret information, mobile intelligent terminal；Wherein, described payment information flag is Message_P-M-Payment:

Message_P-M-Payment={ POS, Mobile, RP₂,RM₁,RP₁,Payment,K}；

Wherein, RP₂Representing the second random number that handheld POS terminal generates, Payment represents payment needed for mobile intelligent terminal, and K is the transaction key between handheld POS terminal and mobile intelligent terminal；

(13) mobile intelligent terminal receives the payment information that handheld POS terminal sends, and generate anti-the second random number stolen secret information, mobile intelligent terminal the payment transaction records information including received payment information and newly-generated anti-second random number of stealing secret information is sent to certification authority's storage；Wherein, described payment transaction records information flag is S_M-T-Payment: S_M-T-Payment={ Mobile, TSM, POS, RM₂,k(Mobile,TSM)}；RM₂Represent anti-the second random number stolen secret information that mobile intelligent terminal generates；

(14) mobile intelligent terminal receives the outside payment cipher by each key-press input, by mobile intelligent terminal press suffered by each button pressure direction judge to press press each button as after left hand or the right hand, mobile intelligent terminal adds corresponding the pressing in pressure data storehouse of institute's judged result to by pressing pressure suffered by now each button, recalculates now each button correspondence and presses the variance in pressure data storehouse；

(15) mobile intelligent terminal is pressed according to each button gained again in step (14) corresponding in pressure data storehouse variance and step (6) and is pressed the difference between the variance of pressure data storehouse, judges whether performing delivery operation:

When each button gained difference is respectively less than or is equal to predetermined threshold value, represent that this payment cipher is inputted by mobile intelligent terminal lawful owner, mobile intelligent terminal sends the pay warrant including this payment cipher and its financial certification authority certificate to banking system, when being judged that payment cipher is consistent with default payment cipher by banking system, the fund of mobile intelligent terminal Send only Account is transferred to logistics company in the collecting account of banking system, and is turned money success notification to handheld POS terminal, logistics company management platform and mobile intelligent terminal by banking system transmission；Otherwise, representing that this payment cipher is not mobile intelligent terminal lawful owner input, mobile intelligent terminal refusal performs delivery operation；

(16) handheld POS terminal receive banking system send turn money success notification after, logistics company sends part person to give addressee by commodity, completes logistics company sending with charge free these commodity；Logistics company management platform sends expense with charge free according to what it was preset with shopping online platform, after at deduction, it sends expense with charge free, logistics company management platform is according to the end article price in sequence information, send its pay taxes identifier and pay warrant to banking system, the collecting account being transferred in sequence information by the corresponding fund in logistics company management platform collecting account businessman by banking system, completes the process of exchange cashed on delivery；

(17) this Successful Transaction order number is sent to tax supervisory systems by banking system, when trading order form number that tax supervisory systems this Successful Transaction order number being checked has stored with it is consistent, then calculate respectively and obtain the business tax that logistics company and businessman should pay for this Successful Transaction order, and transmitting bank's system substitutes tax supervisory systems and withholds the business tax of logistics company and businessman respectively, to complete the taxation supervision to commercial affairs shopping payment transaction system.

Compared with prior art, it is an advantage of the current invention that:

First, logistics company picking person locates picking according to each trading order form information in businessman, each handheld POS terminal of logistics company locates to obtain respectively financial certification authority certificate and the credit accreditation certificate of correspondence in banking system and certification authority, the mobile intelligent terminal of the different addressees that each trading order form is corresponding obtains its financial certification authority certificate and credit accreditation certificate, the legal identity of middle both parties' terminal of cashing on delivery with guarantee, it is ensured that the property safety of both parties；

Secondly, utilize this feature that same position place air humidity is identical, certification authority judges that mobile intelligent terminal and handheld POS terminal are positioned at Secure Transaction space length, and the difference of both corresponding current location noises and current location air humidity is when being respectively positioned within safe scope, judge that handheld POS terminal and mobile intelligent terminal are in same position place, both are positioned within safe distance, then certification authority sends transaction key to mobile intelligent terminal and handheld POS terminal, to guarantee that both parties are within safe position range when paying；

Again, this feature of uniqueness according to human body behavior characteristics, when mobile intelligent terminal builds its lawful owner's normal condition, the right-hand man for each button presses pressure data storehouse, and press pressure data storehouse variance situation according to rebuilding the right-hand man of each button when mobile intelligent terminal pays, when judging that current payment cipher inputs as its lawful owner, cost of transfer is in the account of logistics company；Otherwise, mobile intelligent terminal refusal to pay transaction, with the property safety of this middle addressee that ensures to cash on delivery；

Finally, initiate in the whole process terminated cashing on delivery, the payout status of each trading order form of tax supervisory systems monitor in real time, and paying after successfully, tax supervisory systems is replaced to deduct the business tax that businessman is corresponding with logistics company by banking system, to realize businessman and the logistics company of net purchase platform are carried out effective taxation supervision.

Accompanying drawing explanation

Fig. 1 is the structural representation of business logistics payment transaction system in the embodiment of the present invention.

Detailed description of the invention

Below in conjunction with accompanying drawing embodiment, the present invention is described in further detail.

Based on the business logistics safe payment method cashed on delivery in the present embodiment, for merchant terminal, shopping online platform, consumer end, logistics company management platform, certification authority, the business logistics payment transaction system that banking system and tax supervisory systems are constituted, this payment system is with reference to shown in Fig. 1, shopping online platform connects merchant terminal respectively, consumer end and logistics company management platform, merchant terminal connects banking system and tax supervisory systems, banking system connects merchant terminal respectively, consumer end's logistics company management platform and tax supervisory systems, merchant terminal and consumer end are all connected with certification authority.In the present embodiment, based on the business logistics safe payment method cashed on delivery, in turn include the following steps:

(1) businessman and logistics company register respective collecting account in banking system respectively, register respective identifier of paying taxes in tax supervisory systems, and respective identifier of paying taxes registered by shopping on the web platform；

(2) its each handheld POS terminal with NFC function is all put on record by logistics company management platform, set up each handheld POS terminal respectively with the communication connection of banking system, certification authority, utilize handheld POS terminal to send certification respectively and ask to banking system and certification authority, banking system generates the financial certification authority set of certificates of itself and the PKI of handheld POS terminal communication, handheld POS terminal, and sends financial certification authority set of certificates and PKI to handheld POS terminal；Certification authority generates the credit accreditation set of certificates of itself and the PKI of handheld POS terminal communication, handheld POS terminal, concurrently delivers letters and uses certification set of certificates and PKI to handheld POS terminal；

Financial certification authority certificate herein in order to show the confirmation to payment transaction information of the handheld POS terminal, make handheld POS terminal to through oneself it has been acknowledged that payment transaction not there is denial, thus guarantee payment transaction be normally carried out；Credit accreditation certificate herein is as the trusted voucher of handheld POS terminal, in order to the legal identity of approved for payment both parties, to ensure the safety of transaction；Wherein:

Handheld POS terminal is designated as POS, and banking system is designated as BANK, and certification authority is designated as TSM, and the financial certification authority set of certificates of handheld POS terminal is labeled as Cert (BANK_POS), the PKI of banking system and handheld POS terminal is designated as k (POS, BANK)；The credit accreditation set of certificates of handheld POS terminal is designated as Cert (TSM_POS), certification authority and handheld POS terminal public key are designated as k (POS, TSM)；Wherein:

Cert(TSM_POS)={ Cert¹(TSM_POS),Cert²(TSM_POS),···,Cert^m(TSM_POS)}；

Cert(BANK_POS)={ Cert¹(BANK_POS),Cert²(BANK_POS),···,Cert^m(BANK_POS)}；m≥3；

Wherein, m represent handheld POS terminal can financial certification authority certificate and credit accreditation certificate number, the credit accreditation certificate of handheld POS terminal and its financial certification authority certificate are one-to-one relationship；Each credit accreditation certificate in handheld POS terminal credit accreditation set of certificates and each financial certification authority certificate in its financial certification authority set of certificates are followed traversal and are used rule and all limit use once；

Handheld POS terminal is when needs use credit accreditation certificate, then at its credit accreditation set of certificates Cert (TSM_POS) m credit accreditation certificate in successively traversal ground select use, same credit accreditation certificate will not be reused, prevent malicious third parties after the credit accreditation certificate that pry has used to hand-held POS terminal with this, again this credit accreditation certificate is used, threaten handheld POS terminal transaction safety；Similarly, mobile intelligent terminal is also in compliance with the use rule identical with handheld POS terminal, and traversal selects to use its credit accreditation set of certificates Cert (TSM successively_Mobile) in credit accreditation certificate, and same credit accreditation certificate will not be reused, namely each credit accreditation certificate follow traversal use rule and only restriction use once, credit accreditation certificate is reused and is calcellation；

(3) identifier of paying taxes registered by businessman's shopping on the web platform, and by merchant terminal shopping on the web platform publishing commodity information, after consumer utilizes consumer end's shopping on the web platform selecting end article, register addressee's contact details of purchased commodity, and select to cash on delivery, after the generation of shopping online platform, preserving the trading order form for purchased commodity, shopping online platform sends this commodity transaction order to be paid and stores to tax supervisory systems；Wherein, trading order form includes trading order form number, order generates Business Contact Information and businessman belonging to time, end article title and price, end article and pays taxes identifier, addressee information and mode of cashing on delivery；

(4) shopping online platform sends picking notice and trading order form to logistics company management platform, after logistics company management platform preserves trading order form, notice logistics company picking person locates picking according to trading order form information in businessman, and according to the addressee information in trading order form, logistics company management platform notify that logistics company is sent part person to carry the handheld POS terminal put on record and sent commodity with charge free according to the addressee information in trading order form；

(5) addressee utilizes it to have the mobile intelligent terminal of NFC function to send certification respectively and ask to banking system and certification authority, banking system generates the financial certification authority set of certificates of its PKI communicated with mobile intelligent terminal, mobile intelligent terminal, and sends financial certification authority set of certificates, PKI to mobile intelligent terminal；Certification authority generates the credit accreditation set of certificates of its PKI communicated with mobile intelligent terminal, mobile intelligent terminal, concurrently delivers letters with certification set of certificates, PKI to mobile intelligent terminal；The effect of financial certification authority certificate corresponding to mobile intelligent terminal and credit accreditation certificate corresponding referring to detailed description to each corresponding certification certificate of the handheld POS terminal of logistics company in step 2, repeat no more herein；Wherein:

Mobile intelligent terminal is designated as Mobile, and the financial certification authority set of certificates of mobile intelligent terminal is labeled as Cert (BANK_Mobile), the PKI of banking system and mobile intelligent terminal is designated as k (Mobile, BANK)；The credit accreditation set of certificates of mobile intelligent terminal is labeled as Cert (TSM_Mobile), the PKI of certification authority and mobile intelligent terminal is designated as k (Mobile, TSM)；Wherein:

Cert(TSM_Mobile)={ Cert¹(TSM_Mobile),Cert²(TSM_Mobile),···,Cert^m(TSM_Mobile)}；

Cert(BANK_Mobile)={ Cert¹(BANK_Mobile),Cert²(BANK_Mobile),···,Cert^m(BANK_Mobile)}；m≥3；Wherein, the credit accreditation certificate of mobile intelligent terminal and its financial certification authority certificate are one-to-one relationship；Each credit accreditation certificate in mobile intelligent terminal credit accreditation set of certificates and each financial certification authority certificate in its financial certification authority set of certificates are followed traversal and are used rule and all limit use once；It is to say, when handheld POS terminal uses its credit accreditation set of certificates Cert (TSM_POS) in the 2nd credit accreditation certificate Cert²(TSM_POS) time, use its financial certification authority set of certificates Cert (BANK that handheld POS terminal is then corresponding_POS) in second financial certification authority certificate Cert²(BANK_POS)；When mobile intelligent terminal uses its credit accreditation set of certificates Cert (TSM_Mobile) in the 5th credit accreditation certificate Cert⁵(TSM_Mobile) time, use its financial certification authority set of certificates Cert (BANK that handheld POS terminal is then corresponding_Mobile) in the 5th financial certification authority certificate Cert⁵(BANK_Mobile)；

(6) mobile intelligent terminal in preset time period its lawful owner of Real-time Collection when delivery operation, on keyboard, each button presses pressure value and presses pressure direction, build mobile intelligent terminal lawful owner utilizes the left hand that left hand and the right hand are respectively directed to each button to press pressure data storehouse and the right hand presses pressure data storehouse when delivery operation, and calculates each button left hand respectively and press pressure data storehouse and the right hand presses the variance in pressure data storehouse；

Wherein, when people are in safety and do not receive outside threat, the factor such as surprised or terrified interference, the temperature of people's palm surface, the humidity of palm surface and the perspiration output of palm surface, are within respective normal scope of data, and have dependency between three；Once receive the interference of external factor, such as surprised, terrified, scaring or the outside unfavorable factor interference such as threatening, can there is corresponding physiological change in human body self, causes that palm. surface temperature is too low or too high, palm surface humidity is perspired and caused humidity increase etc..Therefore, after gathering a number of palm. surface temperature of mobile intelligent terminal lawful owner, humidity and perspiration output data, can passing through to build palm. surface temperature, humidity and the relation between perspiration output, identity and its residing current environment security situation to mobile intelligent terminal lawful owner judge；Wherein:

On mobile intelligent terminal, i-th button is designated as Button_i, for button Button_iThe left hand of constructed mobile intelligent terminal lawful owner is pressed pressure data storehouse and is designated asThe right hand is pressed pressure data storehouse and is designated asN ∈ N, N be left hand press pressure data storehouse and the right hand press pressure data storehouse stores respectively press pressure data number；Represent for button Button_iThe n-th of the mobile intelligent terminal lawful owner's left hand gathered presses pressure data,Represent for button Button_iThe n-th of the mobile intelligent terminal lawful owner's right hand gathered presses pressure data；Described button Button_iThe variance that suffered mobile intelligent terminal lawful owner's left hand presses pressure is designated asMobile intelligent terminal lawful owner's right hand is pressed the variance of pressure and is designated asWherein, varianceWithComputing formula respectively as follows:

${\mathrm{\σ}}_{Left}^2\left({\mathrm{Button}}_i\right)=\underset{n=1}{\overset{N}{\Σ}}\frac{{\left(F_{Buttoni}^{Left}\right(n)-\stackrel{\‾}{F_{Buttoni}^{Left}})}^2}{N},\stackrel{\‾}{F_{Buttoni}^{Left}}=\underset{n=1}{\overset{N}{\Σ}}\frac{F_{Buttoni}^{Left}\left(n\right)}{N};$

${\mathrm{\σ}}_{Right}^2\left({\mathrm{Button}}_i\right)=\underset{n=1}{\overset{N}{\Σ}}\frac{{\left(F_{Buttoni}^{Right}\right(n)-\stackrel{\‾}{F_{Buttoni}^{Right}})}^2}{N},\stackrel{\‾}{F_{Buttoni}^{Right}}=\underset{n=1}{\overset{N}{\Σ}}\frac{F_{Buttoni}^{Right}\left(n\right)}{N};$

When utilizing left hand or the right hand to pass through key-press input password on keyboard due to the lawful owner of mobile intelligent terminal every time, what its lawful owner applied on each keyboard press pressure size and direction is different, therefore, this feature of uniqueness according to human body behavior characteristics, that presses pressure value and correspondence suffered by can passing through to gather in a period of time on each keyboard presses pressure direction situation, left hand during to build mobile intelligent terminal lawful owner for payment presses pressure data storehouse and the right hand presses pressure data storehouse, such that it is able to the left hand that utilization builds presses pressure data storehouse or the right hand presses pressure data storehouse as the authentication information characterizing mobile intelligent terminal lawful owner, to guarantee the safety of payment transaction；

Wherein, on keyboard, the left hand of certain button is pressed and is contained in pressure data storehouse under pay status, and mobile intelligent terminal lawful owner utilizes left hand to press pressing pressure value and pressing pressure direction when pressing this button；Similarly, on keyboard, the right hand of certain button is pressed and is contained when pay status in pressure data storehouse, and the right hand of mobile intelligent terminal lawful owner presses pressing pressure value and pressing pressure direction when pressing this button；

(7) logistics company send part person send with charge free commodity to addressee place and wait addressee pay the bill time, after logistics company sends part person to open the NFC function of handheld POS terminal and addressee opens the NFC function of its mobile intelligent terminal, handheld POS terminal generates, store the effective time value of the first random number and the first random number, obtain noise and the air humidity of current location data and current location, then the payment request information including handheld POS terminal self signature is sent to the mobile intelligent terminal of addressee, and send the noise of handheld POS terminal current location and current location and air humidity data to certification authority；Wherein:

Payment request information includes the first random number R P that handheld POS terminal generates₁, this first random number R P₁Effective time value TP, the financial certification authority certificate Cert that chooses of payment request ReqM, handheld POS terminal^t(BANK_POS), the credit accreditation certificate Cert that chooses of handheld POS terminal^t(TSM_POS), handheld POS terminal self signature Sig_POSAnd the private key sk (POS) of handheld POS terminal；Wherein, this payment request information is designated as Message_P-M, payment request information Message_P-MAs follows by formula labelling:

${\mathrm{Message}}_{P-M}=\left\{\begin{array}{c}POS,Mobile,{\mathrm{RP}}_1,TP,{\mathrm{Cert}}^t\left({\mathrm{BANK}}_{POS}\right),{\mathrm{Cert}}^t\left({\mathrm{TSM}}_{POS}\right),\mathrm{Re}M,\\ {\mathrm{Sig}}_{POS},sk\left(POS\right)\end{array}\right\};t\∈\[1,m\];$

(8) mobile intelligent terminal receives the payment request information that handheld POS terminal sends, generate anti-the first random number stolen secret information, obtain noise and the air humidity of mobile intelligent terminal current location and current location, and send the certification solicited message and mobile intelligent terminal current location, current location noise and air humidity that include handheld POS terminal payment request information to certification authority；Wherein:

The certification solicited message that mobile intelligent terminal sends includes the payment request information Message of handheld POS terminal_P-M, mobile intelligent terminal generate anti-the first random number R W stolen secret information₁, certification request ReqT, its ask PKI k (Wallet, TSM) of communicating between ReqSession and mobile intelligent terminal with certification authority with handheld POS terminal session；Wherein, this certification solicited message of mobile intelligent terminal is labeled as Message_M-T, wherein:

Message_M-T={ Message_P-M,TSM,RM₁,ReqT,ReqSession,k(Mobile,TSM)}；

(9) certification authority receives, extracts certification solicited message and mobile intelligent terminal current location and current location noise and air humidity that mobile intelligent terminal sends, record receives the time of mobile intelligent terminal certification request, and mobile intelligent terminal is made whether the feedback being traded according to the noise of the certification solicited message of the mobile intelligent terminal extracted, mobile intelligent terminal current location and current location and the noise of air humidity, handheld POS terminal current location and current location and air humidity；Wherein, this step includes step (9-1) successively to step (9-3):

(9-1) when certification authority judges the effective time value that the time that the handheld POS terminal credit accreditation certificate extracted is present in the credit accreditation certificate database that certification authority has stored and certification authority's reception mobile intelligent terminal certification is asked is positioned at the first random number, show that the handheld POS terminal that this credit accreditation certificate is effective and corresponding is security terminal, this trading activity is credible, certification authority generates the transaction key between mobile intelligent terminal and this handheld POS terminal, and performs step (9-2)；Otherwise, certification authority sends refusal Transaction Information to mobile intelligent terminal；

(9-2) certification authority is according to the handheld POS terminal extracted and the current location of mobile intelligent terminal and current location noise, judge handheld POS terminal and mobile intelligent terminal the difference of current location noise corresponding respectively be positioned at default difference range, and the space length between handheld POS terminal and mobile intelligent terminal less than default Secure Transaction word space threshold time, show that certification authority primarily determines that handheld POS terminal and mobile intelligent terminal are currently at same geographical position, then perform step (9-3), accurately to determine；Otherwise, certification authority sends refusal Transaction Information to mobile intelligent terminal

(9-3) certification authority judge handheld POS terminal and mobile intelligent terminal the difference of air humidity corresponding respectively when being positioned at default difference range, show on the basis that step (9-2) has primarily determined that, now handheld POS terminal and mobile intelligent terminal are currently in safe same geographical position really, then certification authority sends and confirms that Transaction Information is to mobile intelligent terminal；Otherwise, certification authority sends refusal Transaction Information to mobile intelligent terminal；Wherein:

The confirmation Transaction Information that certification authority sends is labeled as Message_T-M-Confirm, the transaction key of mobile intelligent terminal and handheld POS terminal room is designated as K, and the refusal Transaction Information that certification authority sends is labeled as Message_T-M-Reject；Wherein:

Message_T-M-Confirm={ TSM, Mobile, POS, RP₁,RM₁,TP,Cert^t(TSM_POS),K,k(Mobile,TSM)}；

Message_T-M-Reject={ TSM, Mobile, POS, RP₁,RM₁,RejectP,k(Mobile,TSM)}；

(10) mobile intelligent terminal receives the confirmation Transaction Information that certification authority sends, and the transaction interactive information including mobile intelligent terminal signature is sent to handheld POS terminal；Wherein:

Transaction interactive information includes the signature Sig of mobile intelligent terminal_Mobile, the financial certification authority certificate Cert that chooses of the anti-transaction key of the first random number, mobile intelligent terminal and handheld POS terminal room stolen secret information that generates of mobile intelligent terminal, mobile intelligent terminal^s(BANK_Mobile), the credit accreditation certificate Cert that chooses of mobile intelligent terminal^s(TSM_Mobile) and the credit accreditation certificate Cert chosen of handheld POS terminal^t(TSM_POS)；Wherein, the transaction interactive information that described mobile intelligent terminal sends is labeled as Message_M-P, conclude the business interactive information Message_M-PAs follows by formula labelling:

${\mathrm{Message}}_{M-P}=\left\{\begin{array}{c}Mobile,POS,TSM,{\mathrm{RM}}_1,{\mathrm{Cert}}^s\left({\mathrm{BANK}}_{Mobile}\right),{\mathrm{Cert}}^s\left({\mathrm{TSM}}_{Mobile}\right),K,\\ {\mathrm{Sig}}_{Mobile},{\mathrm{Cert}}^t\left({\mathrm{TSM}}_{POS}\right)\end{array}\right\};s\∈\[1,m\];$

(11) handheld POS terminal receives, extracts the transaction interactive information that mobile intelligent terminal sends, and judge according to the information extracted in interactive information of concluding the business: when the handheld POS terminal credit accreditation certificate that handheld POS terminal is extracted in interactive information of concluding the business has been stored in the credit accreditation certificate database of its storage, illustrate that the payment transaction request that handheld POS terminal is initiated has been obtained for the confirmation of mobile intelligent terminal, namely mobile intelligent terminal agrees to this payment transaction behavior that handheld POS terminal is initiated, then perform step (12)；Otherwise, it was shown that mobile intelligent terminal disagrees this payment transaction behavior, handheld POS terminal refusal carries out payment transaction with mobile intelligent terminal；

(12) handheld POS terminal generates the second random number, and send include the second random number of its generation, the first random number, mobile intelligent terminal prevent that the payment information of payment is to mobile intelligent terminal needed for the first random number stolen secret information, mobile intelligent terminal；Wherein, payment information flag is Message_P-M-Payment:

Message_P-M-Payment={ POS, Mobile, RP₂,RM₁,RP₁,Payment,K}；

Wherein, RP₂Representing the second random number that handheld POS terminal generates, Payment represents payment needed for mobile intelligent terminal, and K is the transaction key between handheld POS terminal and mobile intelligent terminal；

(13) mobile intelligent terminal receives the payment information that handheld POS terminal sends, and generate anti-the second random number stolen secret information, mobile intelligent terminal the payment transaction records information including received payment information and newly-generated anti-second random number of stealing secret information is sent to certification authority's storage；Wherein, payment transaction records information flag is S_M-T-Payment: S_M-T-Payment={ Mobile, TSM, POS, RM₂,k(Mobile,TSM)}；RM₂Represent anti-the second random number stolen secret information that mobile intelligent terminal generates；

(14) mobile intelligent terminal receives the outside payment cipher by each key-press input, by mobile intelligent terminal press suffered by each button pressure direction judge to press press each button as after left hand or the right hand, mobile intelligent terminal adds corresponding the pressing in pressure data storehouse of institute's judged result to by pressing pressure suffered by now each button, recalculates now each button correspondence and presses the variance in pressure data storehouse；

Such as, mobile intelligent terminal through judge current operation mobile intelligent terminal carry out delivery operation as left hand, then mobile intelligent terminal each button left hand that the palm. surface temperature of Real-time Collection, palm surface humidity and palm perspiration output data have added its lawful owner to original by it is pressed in pressure data storehouse, then the left hand being newly formed is pressed pressure data storehouse and calculate its variance, be newly formed, to calculate in step 15, to understand, the data fluctuations situation that left hand is pressed in pressure data storehouse；

(15) mobile intelligent terminal is pressed according to each button gained again in step (14) corresponding in pressure data storehouse variance and step (6) and is pressed the difference between the variance of pressure data storehouse, judges whether performing delivery operation:

When each button gained difference is respectively less than or is equal to predetermined threshold value, represent that the data that each button gained again is pressed in pressure data storehouse do not have because newly added data produce big fluctuation, this payment cipher is inputted by mobile intelligent terminal lawful owner, mobile intelligent terminal sends and includes this payment cipher, the pay warrant of its financial certification authority certificate and credit accreditation certificate is to banking system, when being judged that payment cipher is consistent with default payment cipher by banking system, the fund of mobile intelligent terminal Send only Account is transferred to logistics company in the collecting account of banking system, and turned money success notification to handheld POS terminal by banking system transmission, logistics company management platform and mobile intelligent terminal；Otherwise, illustrating that now pressure value of pressing suffered by each button occurs in that bigger fluctuation, this payment cipher is not mobile intelligent terminal lawful owner input, and mobile intelligent terminal refusal performs delivery operation；

(16) handheld POS terminal receive banking system send turn money success notification after, logistics company sends part person to give addressee by commodity, completes logistics company sending with charge free these commodity；Logistics company management platform sends expense with charge free according to what it was preset with shopping online platform, after at deduction, it sends expense with charge free, logistics company management platform is according to the end article price in sequence information, send its pay taxes identifier and pay warrant to banking system, the collecting account being transferred in sequence information by the corresponding fund in logistics company management platform collecting account businessman by banking system, completes the process of exchange cashed on delivery；

(17) this Successful Transaction order number is sent to tax supervisory systems by banking system, when trading order form number that tax supervisory systems this Successful Transaction order number being checked has stored with it is consistent, illustrate, calculate respectively and obtain the business tax that logistics company and businessman should pay for this Successful Transaction order, and transmitting bank's system substitutes tax supervisory systems and withholds the business tax of logistics company and businessman respectively, to complete the taxation supervision to commercial affairs shopping payment transaction system, prevent the generation of the behavior of evading taxation, add the tax revenues of country.

Claims (1)

1. based on the business logistics safe payment method cashed on delivery, for the business logistics payment transaction system that merchant terminal, shopping online platform, consumer end, logistics company management platform, certification authority, banking system and tax supervisory systems are constituted, it is characterized in that, in turn include the following steps:

(1) businessman and logistics company register respective collecting account in banking system respectively, register respective identifier of paying taxes in tax supervisory systems, and respective identifier of paying taxes registered by shopping on the web platform；

(2) its each handheld POS terminal with NFC function is all put on record by logistics company management platform, set up each handheld POS terminal respectively with the communication connection of banking system, certification authority, utilize handheld POS terminal to send certification respectively and ask to banking system and certification authority, banking system generates the financial certification authority set of certificates of itself and the PKI of handheld POS terminal communication, handheld POS terminal, and sends financial certification authority set of certificates and PKI to handheld POS terminal；Certification authority generates the credit accreditation set of certificates of itself and the PKI of handheld POS terminal communication, handheld POS terminal, concurrently delivers letters and uses certification set of certificates and PKI to handheld POS terminal；Wherein:

Described handheld POS terminal is designated as POS, and banking system is designated as BANK, and certification authority is designated as TSM, and the financial certification authority set of certificates of handheld POS terminal is labeled as Cert (BANK_POS), the PKI of banking system and handheld POS terminal is designated as k (POS, BANK)；The credit accreditation set of certificates of handheld POS terminal is labeled as Cert (TSM_POS), certification authority and handheld POS terminal public key are designated as k (POS, TSM)；Wherein:

Cert(TSM_POS)={ Cert¹(TSM_POS),Cert²(TSM_POS),…,Cert^m(TSM_POS)}；

Cert(BANK_POS)={ Cert¹(BANK_POS),Cert²(BANK_POS),…,Cert^m(BANK_POS)}；m≥3；

Wherein, m represent handheld POS terminal can financial certification authority certificate and credit accreditation certificate number, the credit accreditation certificate of handheld POS terminal and its financial certification authority certificate are one-to-one relationship；Each credit accreditation certificate in handheld POS terminal credit accreditation set of certificates and each financial certification authority certificate in its financial certification authority set of certificates are followed traversal and are used rule and all limit use once；

(3) identifier of paying taxes registered by businessman's shopping on the web platform, and by merchant terminal shopping on the web platform publishing commodity information, after consumer utilizes consumer end's shopping on the web platform selecting end article, register addressee's contact details of purchased commodity, and select to cash on delivery, after the generation of shopping online platform, preserving the trading order form for purchased commodity, shopping online platform sends this commodity transaction order to be paid and stores to tax supervisory systems；Wherein, trading order form includes trading order form number, order generates Business Contact Information and businessman belonging to time, end article title and price, end article and pays taxes identifier, addressee information and mode of cashing on delivery；

(4) shopping online platform sends picking notice and trading order form to logistics company management platform, after logistics company management platform preserves trading order form, notice logistics company picking person locates picking according to trading order form information in businessman, and according to the addressee information in trading order form, logistics company management platform notify that logistics company is sent part person to carry the handheld POS terminal put on record and sent commodity with charge free according to the addressee information in trading order form；

(5) addressee utilizes it to have the mobile intelligent terminal of NFC function to send certification respectively and ask to banking system and certification authority, banking system generates the financial certification authority set of certificates of its PKI communicated with mobile intelligent terminal, mobile intelligent terminal, and sends financial certification authority set of certificates, PKI to mobile intelligent terminal；Certification authority generates the credit accreditation set of certificates of its PKI communicated with mobile intelligent terminal, mobile intelligent terminal, concurrently delivers letters with certification set of certificates, PKI to mobile intelligent terminal；Wherein:

Described mobile intelligent terminal is designated as Mobile, and the financial certification authority set of certificates of mobile intelligent terminal is labeled as Cert (BANK_Mobile), the PKI of banking system and mobile intelligent terminal is designated as k (Mobile, BANK)；The credit accreditation set of certificates of mobile intelligent terminal is labeled as Cert (TSM_Mobile), the PKI of certification authority and mobile intelligent terminal is designated as k (Mobile, TSM)；Wherein:

Cert(TSM_Mobile)={ Cert¹(TSM_Mobile),Cert²(TSM_Mobile),…,Cert^m(TSM_Mobile)}；

Cert(BANK_Mobile)={ Cert¹(BANK_Mobile),Cert²(BANK_Mobile),…,Cert^m(BANK_Mobile)}；m≥3；Wherein, the credit accreditation certificate of mobile intelligent terminal and its financial certification authority certificate are one-to-one relationship；Each credit accreditation certificate in mobile intelligent terminal credit accreditation set of certificates and each financial certification authority certificate in its financial certification authority set of certificates are followed traversal and are used rule and all limit use once；

(6) mobile intelligent terminal in preset time period its lawful owner of Real-time Collection when delivery operation, on keyboard, each button presses pressure value and presses pressure direction, build mobile intelligent terminal lawful owner utilizes the left hand that left hand and the right hand are respectively directed to each button to press pressure data storehouse and the right hand presses pressure data storehouse when delivery operation, and calculates each button left hand respectively and press pressure data storehouse and the right hand presses the variance in pressure data storehouse；Wherein:

On described mobile intelligent terminal, i-th button is designated as Button_i, for button Button_iThe left hand of constructed mobile intelligent terminal lawful owner is pressed pressure data storehouse and is designated asThe right hand is pressed pressure data storehouse and is designated asN ∈ N, N be left hand press pressure data storehouse and the right hand press pressure data storehouse stores respectively press pressure data number；Represent for button Button_iThe n-th of the mobile intelligent terminal lawful owner's left hand gathered presses pressure data,Represent for button Button_iThe n-th of the mobile intelligent terminal lawful owner's right hand gathered presses pressure data；Described button Button_iThe variance that suffered mobile intelligent terminal lawful owner's left hand presses pressure is designated asMobile intelligent terminal lawful owner's right hand is pressed the variance of pressure and is designated asWherein, varianceWithComputing formula respectively as follows:

${\mathrm{\σ}}_{Left}^2\left({\mathrm{Button}}_i\right)=\underset{n=1}{\overset{N}{\Σ}}\frac{{\left(F_{Buttoni}^{Left}\right(n)-\stackrel{\‾}{F_{Buttoni}^{Left}})}^2}{N},$ $\stackrel{\‾}{F_{Buttoni}^{Left}}=\underset{n=1}{\overset{N}{\Σ}}\frac{F_{Buttoni}^{Left}\left(n\right)}{N};$

${\mathrm{\σ}}_{Right}^2\left({\mathrm{Button}}_i\right)=\underset{n=1}{\overset{N}{\Σ}}\frac{{\left(F_{Buttoni}^{Right}\right(n)-\stackrel{\‾}{F_{Buttoni}^{Right}})}^2}{N},$ $\stackrel{\‾}{F_{Buttoni}^{Right}}=\underset{n=1}{\overset{N}{\Σ}}\frac{F_{Buttoni}^{Right}\left(n\right)}{N};$

(7) logistics company send part person send with charge free commodity to addressee place and wait addressee pay the bill time, after logistics company sends part person to open the NFC function of handheld POS terminal and addressee opens the NFC function of its mobile intelligent terminal, handheld POS terminal generates, store the effective time value of the first random number and the first random number, obtain noise and the air humidity of current location and current location, then the payment request information including handheld POS terminal self signature is sent to the mobile intelligent terminal of addressee, and send handheld POS terminal current location, current location noise and air humidity data are to certification authority；Wherein:

Described payment request information includes the first random number R P that handheld POS terminal generates₁, this first random number R P₁Effective time value TP, the financial certification authority certificate Cert that chooses of payment request ReqM, handheld POS terminal^t(BANK_POS), the credit accreditation certificate Cert that chooses of handheld POS terminal^t(TSM_POS), handheld POS terminal self signature Sig_POSAnd the private key sk (POS) of handheld POS terminal；Wherein, this payment request information is designated as Message_P-M, payment request information Message_P-MAs follows by formula labelling:

${\mathrm{Message}}_{P-M}=\left\{\begin{array}{c}POS,Mobile,{\mathrm{RP}}_{1}TP,{\mathrm{Cert}}^t\left({\mathrm{BANK}}_{POS}\right),{\mathrm{Cert}}^t\left({\mathrm{TSM}}_{POS}\right),\mathrm{Re}M,\\ {\mathrm{Sig}}_{POM},sk\left(POS\right)\end{array}\right\};t\∈\[1,m\];$

(8) mobile intelligent terminal receives the payment request information that handheld POS terminal sends, generate anti-the first random number stolen secret information, obtain noise and the air humidity of mobile intelligent terminal current location and current location, and send the certification solicited message and mobile intelligent terminal current location, current location noise and air humidity that include handheld POS terminal payment request information to certification authority；Wherein:

The certification solicited message that described mobile intelligent terminal sends includes the payment request information Message of handheld POS terminal_P-M, mobile intelligent terminal generate anti-the first random number R W stolen secret information₁, certification request ReqT, its ask PKI k (Wallet, TSM) of communicating between ReqSession and mobile intelligent terminal with certification authority with handheld POS terminal session；Wherein, this certification solicited message of mobile intelligent terminal is labeled as Message_M-T, wherein:

Message_M-T={ Message_P-M,TSM,RM₁,ReqT,ReqSession,k(Mobile,TSM)}；

(9) certification authority receives, extracts certification solicited message and mobile intelligent terminal current location and current location noise and air humidity that mobile intelligent terminal sends, record receives the time of mobile intelligent terminal certification request, and mobile intelligent terminal is made whether the feedback being traded according to the certification solicited message of the mobile intelligent terminal extracted, mobile intelligent terminal current location and current location noise and air humidity, handheld POS terminal current location and current location noise and air humidity；Wherein, this step includes step (9-1) successively to step (9-3):

(9-1) when certification authority judges the effective time value that the time that the handheld POS terminal credit accreditation certificate extracted is present in the credit accreditation certificate database that certification authority has stored and certification authority's reception mobile intelligent terminal certification is asked is positioned at the first random number, show that the handheld POS terminal that this credit accreditation certificate is effective and corresponding is security terminal, certification authority generates the transaction key between mobile intelligent terminal and this handheld POS terminal, and performs step (9-2)；Otherwise, certification authority sends refusal Transaction Information to mobile intelligent terminal；

(9-2) certification authority is according to the handheld POS terminal extracted and the current location of mobile intelligent terminal and current location noise, judge handheld POS terminal and mobile intelligent terminal the difference of current location noise corresponding respectively be positioned at default difference range, and the space length between handheld POS terminal and mobile intelligent terminal less than default Secure Transaction word space threshold time, then perform step (9-3)；Otherwise, certification authority sends refusal Transaction Information to mobile intelligent terminal

(9-3) certification authority judge handheld POS terminal and mobile intelligent terminal the difference of air humidity corresponding respectively when being positioned at default difference range, then certification authority sends and confirms that Transaction Information is to mobile intelligent terminal；Otherwise, certification authority sends refusal Transaction Information to mobile intelligent terminal；Wherein:

The confirmation Transaction Information that described certification authority sends is labeled as Message_T-M-Confirm, the transaction key of mobile intelligent terminal and handheld POS terminal room is designated as K, and the refusal Transaction Information that certification authority sends is labeled as Message_T-M-Reject；Wherein:

Message_T-M-Confirm={ TSM, Mobile, POS, RP₁,RM₁,TP,Cert^t(TSM_POS),K,k(Mobile,TSM)}；

Message_T-M-Reject={ TSM, Mobile, POS, RP₁,RM₁,RejectP,k(Mobile,TSM)}；

(10) mobile intelligent terminal receives the confirmation Transaction Information that certification authority sends, and the transaction interactive information including mobile intelligent terminal signature is sent to handheld POS terminal；Wherein:

Described transaction interactive information includes the signature Sig of mobile intelligent terminal_Mobile, the financial certification authority certificate Cert that chooses of the anti-transaction key of the first random number, mobile intelligent terminal and handheld POS terminal room stolen secret information that generates of mobile intelligent terminal, mobile intelligent terminal^s(BANK_Mobile), the credit accreditation certificate Cert that chooses of mobile intelligent terminal^s(TSM_Mobile) and the credit accreditation certificate Cert chosen of handheld POS terminal^t(TSM_POS)；Wherein, the transaction interactive information that described mobile intelligent terminal sends is labeled as Message_M-P, conclude the business interactive information Message_M-PAs follows by formula labelling:

${\mathrm{Message}}_{M-P}=\left\{\begin{array}{c}Mobile,POS,TSM,{\mathrm{PM}}_1,{\mathrm{Cert}}^s\left({\mathrm{BANK}}_{Mobile}\right),{\mathrm{Cert}}^s\left({\mathrm{TSM}}_{Mobile}\right),K,\\ {\mathrm{Sig}}_{Mobile},{\mathrm{Cert}}^t\left({\mathrm{TSM}}_{POS}\right)\end{array}\right\};s\∈\[1,m\];$

(11) handheld POS terminal receives, extracts the transaction interactive information that mobile intelligent terminal sends, and judge according to the information extracted in interactive information of concluding the business: when the handheld POS terminal credit accreditation certificate that handheld POS terminal is extracted in interactive information of concluding the business has been stored in the credit accreditation certificate database of its storage, then perform step (12)；Otherwise, handheld POS terminal refusal carries out payment transaction with mobile intelligent terminal；

(12) handheld POS terminal generates the second random number, and send include the second random number of its generation, the first random number, mobile intelligent terminal prevent that the payment information of payment is to mobile intelligent terminal needed for the first random number stolen secret information, mobile intelligent terminal；Wherein, described payment information flag is Message_P-M-Payment:

Message_P-M-Payment={ POS, Mobile, RP₂,RM₁,RP₁,Payment,K}；

Wherein, RP₂Representing the second random number that handheld POS terminal generates, Payment represents payment needed for mobile intelligent terminal, and K is the transaction key between handheld POS terminal and mobile intelligent terminal；

(13) mobile intelligent terminal receives the payment information that handheld POS terminal sends, and generate anti-the second random number stolen secret information, mobile intelligent terminal the payment transaction records information including received payment information and newly-generated anti-second random number of stealing secret information is sent to certification authority's storage；Wherein, described payment transaction records information flag is S_M-T-Payment: S_M-T-Payment={ Mobile, TSM, POS, RM₂,k(Mobile,TSM)}；RM₂Represent anti-the second random number stolen secret information that mobile intelligent terminal generates；

(14) mobile intelligent terminal receives the outside payment cipher by each key-press input, by mobile intelligent terminal press suffered by each button pressure direction judge to press press each button as after left hand or the right hand, mobile intelligent terminal adds corresponding the pressing in pressure data storehouse of institute's judged result to by pressing pressure suffered by now each button, recalculates now each button correspondence and presses the variance in pressure data storehouse；

(15) mobile intelligent terminal is pressed according to each button gained again in step (14) corresponding in pressure data storehouse variance and step (6) and is pressed the difference between the variance of pressure data storehouse, judges whether performing delivery operation:

When each button gained difference is respectively less than or is equal to predetermined threshold value, represent that this payment cipher is inputted by mobile intelligent terminal lawful owner, mobile intelligent terminal sends the pay warrant including this payment cipher and its financial certification authority certificate to banking system, when being judged that payment cipher is consistent with default payment cipher by banking system, the fund of mobile intelligent terminal Send only Account is transferred to logistics company in the collecting account of banking system, and is turned money success notification to handheld POS terminal, logistics company management platform and mobile intelligent terminal by banking system transmission；Otherwise, representing that this payment cipher is not mobile intelligent terminal lawful owner input, mobile intelligent terminal refusal performs delivery operation；

(16) handheld POS terminal receive banking system send turn money success notification after, logistics company sends part person to give addressee by commodity, completes logistics company sending with charge free these commodity；Logistics company management platform sends expense with charge free according to what it was preset with shopping online platform, after at deduction, it sends expense with charge free, logistics company management platform is according to the end article price in sequence information, send its pay taxes identifier and pay warrant to banking system, the collecting account being transferred in sequence information by the corresponding fund in logistics company management platform collecting account businessman by banking system, completes the process of exchange cashed on delivery；

(17) this Successful Transaction order number is sent to tax supervisory systems by banking system, when trading order form number that tax supervisory systems this Successful Transaction order number being checked has stored with it is consistent, then calculate respectively and obtain the business tax that logistics company and businessman should pay for this Successful Transaction order, and transmitting bank's system substitutes tax supervisory systems and withholds the business tax of logistics company and businessman respectively, to complete the taxation supervision to commercial affairs shopping payment transaction system.