CN106779674A - Secure Transaction method of payment based on NFC - Google Patents
Secure Transaction method of payment based on NFC Download PDFInfo
- Publication number
- CN106779674A CN106779674A CN201611023200.4A CN201611023200A CN106779674A CN 106779674 A CN106779674 A CN 106779674A CN 201611023200 A CN201611023200 A CN 201611023200A CN 106779674 A CN106779674 A CN 106779674A
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- Prior art keywords
- nfc
- payment devices
- payment
- nfc payment
- devices
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Abstract
Secure Transaction method of payment the present invention relates to be based on NFC, in the NFC payment systems that are formed by NFC payment devices and NFC settlement terminals；NFC payment devices gather the finger print information and face feature information of its lawful owner, and record its lawful owner and finish the respiratory air flow speed average that time spent by payment cipher and its lawful owner are input into during payment cipher by the payment cipher of input through keyboard, input；Simultaneously, the right-hand man that NFC payment devices also set up its lawful owner presses pressure characterization data storehouse and gathers current transaction location, current time air humidity value, with when payment transaction is carried out, matching judgment is made by the current location that is sent with NFC settlement terminals, current time air humidity value, to complete transaction payment process after multiple security information verification.
Description
Technical field
The present invention relates to secure payment field, more particularly to a kind of Secure Transaction method of payment based on NFC.
Background technology
In recent years, the function of mobile terminal is more and more, and mobile terminal with bluetooth conversation function, GPS location except leading
Outside the functions such as boat, mobile terminal have also appeared near-field communication (Near Field Communication, NFC) function.NFC be by
Non-contact radio-frequency recognizes that (RFID) and the Technology Integration that interconnects are developed, the combining induction Card Reader on one chip
Device, icah wavw and point-to-point function, can be identified and data exchange in short distance with compatible equipment.With NFC
The mobile terminal of function can also be referred to as NFC payment devices.
At present, the payment based on NFC technique is all much small amount payment.In order to improve the convenience of payment, small amount payment
When, it is not usually required to be input into payment cipher, this also increases NFC payment devices while user's convenient payment is facilitated
Brushed by mistake, other people steal the possibility of brush, this largely constitutes safely serious threat to the payment transaction of user.
The content of the invention
The technical problems to be solved by the invention are directed to above-mentioned prior art and provide one kind can be safely completed payment
The Secure Transaction method of payment based on NFC of transaction.
The present invention solve the technical scheme that is used of above-mentioned technical problem for：Secure Transaction method of payment based on NFC, uses
In the NFC payment systems formed by NFC payment devices and NFC settlement terminals, it is characterised in that in turn include the following steps
1 to step 9：
Step 1, NFC payment devices gather the finger print information and face feature information of its lawful owner, and record its conjunction
Method owner by the payment cipher of the input through keyboard of NFC payment devices, input finish time spent by payment cipher and
Respiratory air flow speed average during its lawful owner input payment cipher；
Step 2, NFC payment devices press pressure in predetermined period when NFC payment devices detect its lawful owner operation
During the keyboard of the NFC payment devices, NFC payment devices to be gathered and press pressure value and correspondence suffered by each button on its keyboard
Press pressure direction, so as to by NFC payment devices formed its lawful owner using left hand for each button on keyboard left hand
Press pressure characterization data storehouse and press pressure characterization data storehouse for the right hand of each button on keyboard using the right hand, NFC pays and sets
The standby left hand for storing its lawful owner presses pressure characterization data storehouse and the right hand presses pressure characterization data storehouse；
Step 3, NFC payment devices near NFC settlement terminals when, NFC settlement terminals collection current location and it is current when
The air humidity value at quarter, and by NFC settlement terminals will include its collection current location, current time air humidity value and will
The transaction authentication information of payment needed for NFC payment devices is asked to send jointly to NFC payment devices；
Step 4, after the transaction authentication information come transmitted by NFC settlement terminals is received, NFC pays NFC payment devices
Equipment gather NFC payment devices current location and the air humidity value at current time, and will gather position data, air it is wet
Position data that degrees of data sends with NFC settlement terminals respectively, air humidity data make matching judgment：
The difference of the position data sent when position data and the NFC settlement terminals of the collection of NFC payment devices is positioned at default
Within the scope of site error, and the present air humidity data of NFC payment devices collection is current with what NFC settlement terminals were gathered
The difference of air humidity data also is located at when within default air humidity error range, then NFC payment devices perform step 5；It is no
Then, NFC payment devices disconnect the communication with NFC settlement terminals automatically, and the police that concurrently delivers newspaper is prompted to the current behaviour of NFC payment devices
Author；
Step 5, NFC payment devices Real-time Collection current operators press pressure value and correspondence to each button on keyboard
Press pressure direction, NFC payment devices judge that the finger print information of current operator is consistent with the finger print information of its lawful owner,
The face feature information of current operator is consistent with the face feature information of its lawful owner, and current operator's input
When payment cipher is consistent with the payment cipher that NFC payment devices are recorded, NFC payment devices are transferred to execution step 6；Otherwise, NFC branch
Dispensing apparatus disconnect the communication with NFC settlement terminals automatically；
Step 6, NFC payment devices judge that current operator presses pressure value and corresponding press to each button on keyboard
Pressure direction is in that the left hand that NFC payment devices have stored presses pressure characterization data storehouse or the right hand presses pressure characterization data storehouse
When, then NFC payment devices perform step 7；Otherwise, NFC payment devices disconnect the communication with NFC settlement terminals automatically；
Step 7, NFC payment devices show the required amount of money for paying of NFC settlement terminals by its display screen, and show again
Show that payment cipher input is prompted to the current operator of NFC payment devices, with errorless in verification payment by current operator
After be input into payment cipher；
Step 8, NFC payment devices detection current operator's input finishes the time spent by payment cipher, and NFC pays and sets
When the standby payment cipher for judging current operator's input is consistent with the payment secret that NFC payment devices have been recorded, then step is performed
9；Otherwise, NFC payment devices open its front camera in a covert manner, shoot the face of NFC payment devices current operators
Image is simultaneously stored in NFC payment devices the face-image, for future reference to carry out public security；
Step 9, NFC payment devices judge that current operator is finished spent by payment cipher with its lawful owner input
The difference of time is located at when in the range of default time difference, then the corresponding amount of money in its account is transferred to NFC by NFC payment devices
In the account of settlement terminal, Secure Transaction payment process is completed；Otherwise, NFC payment devices refusal performs payment process, and automatically
Force to disconnect the communication with NFC settlement terminals.
Compared with prior art, the advantage of the invention is that：
First, NFC payment devices gather the finger print information of its lawful owner, face feature information, payment cipher and
Its lawful owner input finishes time spent by payment cipher as NFC payment devices certification its lawful owner's identity
Reference information, so that equipment can exactly identify whether its current operator is lawful owner's sheet when ensureing that NFC pays
People, and then ensure that operator's identity is legal on NFC payment devices operation source；
Secondly, NFC payment devices and NFC settlement terminals be when payment transaction starts, by NFC settlement terminals and NFC
Payment devices correspond to the respective current location of collection, current time air humidity value respectively, to be judged by these environmental informations
Whether NFC payment devices are located within the communication distance of safety with NFC settlement terminals, so as to avoid illegal third party's camouflage from striking a bargain
An easy side steals Transaction Information, and then ensure that trading information safety；
Again, secondly, using the uniqueness of human body behavioural characteristic, NFC payment devices are pressed by building its lawful owner
Press that the left hand of each button presses pressure characterization data storehouse and the right hand presses pressure characterization data storehouse, to ensure that NFC payment devices are worked as to it
The legal identity certification of preceding operator, it is ensured that the safety of payment of NFC payment devices, realizes utilizing same position synchronization air
The uniqueness of humidity value identical general character and human body behavior characteristic information is imitated come encryption when ensuring the payment of NFC payment devices
Really；
Finally, when the identity for judging current operator is suspicious, NFC payment devices can automatically with hidden for NFC payment devices
The mode of covering opens its front camera, shoots the face-image of NFC payment devices current operators and deposits the face-image
It is for future reference to carry out public security in storing up NFC payment devices, such that it is able to pursue the illegal suspicion of operation NFC payment devices for public security
People provides reference information.
Brief description of the drawings
Fig. 1 is the schematic diagram of NFC payment systems in the embodiment of the present invention；
Fig. 2 is the schematic flow sheet of the Secure Transaction method of payment based on NFC in the present invention.
Specific embodiment
The present invention is described in further detail below in conjunction with accompanying drawing embodiment.
As shown in Fig. 2 the Secure Transaction method of payment based on NFC in the present embodiment, for by NFC payment devices and NFC
In the NFC payment systems that settlement terminal is formed, NFC payment systems are shown in Figure 1.Wherein, the Secure Transaction branch based on NFC
The method of paying, 1 to the step that in turn includes the following steps 9：
Step 1, NFC payment devices gather the finger print information and face feature information of its lawful owner, and record its conjunction
Method owner by the payment cipher of the input through keyboard of NFC payment devices, input finish time spent by payment cipher and
Respiratory air flow speed average during its lawful owner input payment cipher；
Because finger print information has uniqueness for human body, therefore can be special as one kind of authentication using finger print information
Reference ceases；Lawful owner's input of NFC payment devices finishes the time typically lawful owner spent by payment cipher
It is a kind of pay custom, being accustomed to by the payment can be as the reference information of certification NFC payment devices lawful owner's identity；
The respiratory air flow speed that the lawful owner of NFC payment devices is input into payment cipher in its normal condition be generally also compared with
Will not be changed in the time cycle long, accordingly it is also possible to the lawful owner of NFC payment devices is input into payment cipher
During respiratory air flow speed as certification NFC payment devices lawful owner's identity another reference information；
Step 2, NFC payment devices press pressure in predetermined period when NFC payment devices detect its lawful owner operation
During the keyboard of the NFC payment devices, NFC payment devices to be gathered and press pressure value and correspondence suffered by each button on its keyboard
Press pressure direction, so as to by NFC payment devices formed its lawful owner using left hand for each button on keyboard left hand
Press pressure characterization data storehouse and press pressure characterization data storehouse for the right hand of each button on keyboard using the right hand, NFC pays and sets
The standby left hand for storing its lawful owner presses pressure characterization data storehouse and the right hand presses pressure characterization data storehouse；
The lawful owner of NFC payment devices, should when NFC payment devices keyboards are grasped using left hand or the right hand every time
It is different that what lawful owner was applied to each button on keyboard presses pressure size and direction, that is to say, that NFC pays and sets
The pressure vector of pressing that standby lawful owner is applied to each button is different；
Therefore suffered on each button can press pressure value and corresponding press pressure direction feelings by gathering in predetermined period
Condition, presses pressure data storehouse and the right hand presses pressure data storehouse, so that using structure with the left hand for building NFC payment devices lawful owners
The left hand built presses pressure characterization data storehouse or the right hand presses pressure characterization data storehouse as sign NFC payment devices lawful owners'
Authentication information, i.e., using the uniqueness of human body behavioural characteristic, NFC payment devices press pressure respectively by building its lawful owner
The left hand of button presses pressure characterization data storehouse and the right hand presses pressure characterization data storehouse, to ensure NFC payment devices to its operator
Authentication, to ensure the safety of transaction payment；Wherein, the left hand of certain button presses pressure characterization data storehouse Zhong Bao on keyboard
Contain NFC payment devices lawful owner and press pressing pressure value and press pressure direction when pressing the button using left hand；Similarly,
The right hand of certain button contains NFC payment devices lawful owners in pressing pressure characterization data storehouse on NFC payment devices keyboards
Pressing pressure value and press pressure direction when pressing the button is pressed using the right hand；
Step 3, NFC payment devices near NFC settlement terminals when, NFC settlement terminals collection current location and it is current when
The air humidity value at quarter, and by NFC settlement terminals will include its collection current location, current time air humidity value and will
The transaction authentication information of payment needed for NFC payment devices is asked to send jointly to NFC payment devices；
Step 4, after the transaction authentication information come transmitted by NFC settlement terminals is received, NFC pays NFC payment devices
Equipment gather NFC payment devices current location and the air humidity value at current time, and will gather position data, air it is wet
Position data that degrees of data sends with NFC settlement terminals respectively, air humidity data make matching judgment：
The difference of the position data sent when position data and the NFC settlement terminals of the collection of NFC payment devices is positioned at default
Within the scope of site error, and the present air humidity data of NFC payment devices collection is current with what NFC settlement terminals were gathered
The difference of air humidity data also is located at when within default air humidity error range, then NFC payment devices perform step 5；It is no
Then, NFC payment devices disconnect the communication with NFC settlement terminals automatically, and the police that concurrently delivers newspaper is prompted to the current behaviour of NFC payment devices
Author；
The difference of the position data that the position data and NFC settlement terminals of NFC payment devices collection send is located at default position
Put and show within error range that NFC payment devices and NFC settlement terminals are current to be within normal transaction distance, be i.e. near field
Within communication distance, transaction distance now is safe；
The current location that NFC settlement terminals are obtained is the position in current transaction payment place, current time air humidity
Data, characterize the air ambient situation in NFC settlement terminal current time local environments, in the air humidity value of same position
It is identical, i.e., in the distance of NFC communication, the current location air humidity number that both NFC settlement terminals and NFC payment devices are obtained
According within default air humidity error range, thus can utilize air humidity can not the property pretended, i.e., using same
The characteristics of same ambient parameter value is identical under position positions to current position, so as to the safety of transaction of guaranteeing payment,
Avoid a disguise oneself as side of transaction of illegal third party from stealing Transaction Information, and then ensure that trading information safety；
Step 5, NFC payment devices Real-time Collection current operators press pressure value and correspondence to each button on keyboard
Press pressure direction, NFC payment devices judge that the finger print information of current operator is consistent with the finger print information of its lawful owner,
The face feature information of current operator is consistent with the face feature information of its lawful owner, and current operator's input
When payment cipher is consistent with the payment cipher that NFC payment devices are recorded, NFC payment devices are transferred to execution step 6；Otherwise, NFC branch
Dispensing apparatus disconnect the communication with NFC settlement terminals automatically；
Step 6, NFC payment devices judge that current operator presses pressure value and corresponding press to each button on keyboard
Pressure direction is in that the left hand that NFC payment devices have stored presses pressure characterization data storehouse or the right hand presses pressure characterization data storehouse
When, show that current operator is provided with the custom feature of the operation keyboard of NFC payment devices lawful owners, thus may determine that
Current operator is the lawful owner of NFC payment devices, and NFC payment devices can open obligation authority to current operation
Person, then NFC payment devices perform step 7；Otherwise, NFC payment devices disconnect the communication with NFC settlement terminals automatically；
Step 7, NFC payment devices show the required amount of money for paying of NFC settlement terminals by its display screen, and show again
Show that payment cipher input is prompted to the current operator of NFC payment devices, with errorless in verification payment by current operator
After be input into payment cipher；
Step 8, NFC payment devices detection current operator's input finishes the time spent by payment cipher, and NFC pays and sets
During for judging that the payment cipher that current operator is input into is consistent with the payment cipher that NFC payment devices have been recorded, then step is performed
9；Otherwise, represent that the identity of current operator is suspicious, NFC payment devices open its front camera in a covert manner, shoot NFC
The face-image of payment devices current operator is simultaneously stored in NFC payment devices the face-image, standby to carry out public security
Look into；
Step 9, NFC payment devices judge that current operator is finished spent by payment cipher with its lawful owner input
The difference of time is located at when in the range of default time difference, represents that current operator is defeated with NFC payment devices lawful owners
Enter to pay custom closely similar, and based on finger print information, face feature information, payment cipher, to press pressure characterization data storehouse equal
On the premise of having judged unanimously, it is believed that current operator is NFC payment devices lawful owners, then NFC pays
Be transferred to the corresponding amount of money in its account in the account of NFC settlement terminals by equipment, completes Secure Transaction payment process；Otherwise,
NFC payment devices refusal performs payment process, and automatic forced disconnects the communication with NFC settlement terminals.
Claims (1)
1. the Secure Transaction method of payment of NFC is based on, and the NFC for being formed by NFC payment devices and NFC settlement terminals pays
In system, it is characterised in that 1 to the step that in turn includes the following steps 9：
Step 1, NFC payment devices gather the finger print information and face feature information of its lawful owner, and record its and legal gather around
The payment cipher of the input through keyboard that the person of having passes through NFC payment devices, input finish the time and its conjunction spent by payment cipher
Respiratory air flow speed average during method owner input payment cipher；
Step 2, NFC payment devices in predetermined period, when NFC payment devices detect its lawful owner operation press pressure should
During the keyboard of NFC payment devices, NFC payment devices gathering on its keyboard press pressure value and corresponding suffered by each button
Pressure direction is pressed, is pressed so as to form left hand of its lawful owner using left hand for each button on keyboard by NFC payment devices
Pressure characterization data storehouse and the right hand using the right hand for each button on keyboard press pressure characterization data storehouse, NFC payment devices
The left hand for storing its lawful owner presses pressure characterization data storehouse and the right hand presses pressure characterization data storehouse；
Step 3, when NFC payment devices are near NFC settlement terminals, NFC settlement terminals collection current location and current time
Air humidity value, and current location, current time air humidity value and the requirement of its collection will be included by NFC settlement terminals
The transaction authentication information of payment needed for NFC payment devices sends jointly to NFC payment devices；
Step 4, NFC payment devices receive transmitted by NFC settlement terminals come transaction authentication information after, NFC payment devices
Collection NFC payment devices current location and the air humidity value at current time, and position data, the air humidity number that will be gathered
Make matching judgment according to the position data, air humidity data that are sent with NFC settlement terminals respectively：
When the difference of the position data of the position data and the transmission of NFC settlement terminals of the collection of NFC payment devices is located at default position
Within error range, and present air humidity data and NFC the settlement terminals collection of NFC payment devices collection present air
The difference of humidity data also is located at when within default air humidity error range, then NFC payment devices perform step 5；Otherwise,
NFC payment devices disconnect the communication with NFC settlement terminals automatically, and the police that concurrently delivers newspaper is prompted to the current operation of NFC payment devices
Person；
Step 5, NFC payment devices Real-time Collection current operators press pressure value and corresponding press to each button on keyboard
Pressure direction, NFC payment devices judge that the finger print information of current operator is consistent with the finger print information of its lawful owner, currently
The face feature information of operator is consistent with the face feature information of its lawful owner, and the payment that current operator is input into
When password is consistent with the payment cipher that NFC payment devices are recorded, NFC payment devices are transferred to execution step 6；Otherwise, NFC pays and sets
The standby automatic communication disconnected with NFC settlement terminals；
Step 6, NFC payment devices judge that current operator presses pressure value and corresponding press pressure to each button on keyboard
Direction is in the left hand that NFC payment devices have stored and presses pressure characterization data storehouse or when the right hand presses pressure characterization data storehouse,
Then NFC payment devices perform step 7；Otherwise, NFC payment devices disconnect the communication with NFC settlement terminals automatically；
Step 7, NFC payment devices show the required amount of money for paying of NFC settlement terminals by its display screen, and show branch again
The current operator that Password Input is prompted to NFC payment devices is paid, with errorless rear defeated in verification payment by current operator
Enter payment cipher；
Step 8, NFC payment devices detection current operator's input finishes the time spent by payment cipher, and NFC payment devices are sentenced
When the payment cipher of disconnected current operator's input is secret with the payment that NFC payment devices have been recorded consistent, then step 9 is performed；It is no
Then, NFC payment devices open its front camera in a covert manner, shoot the face-image of NFC payment devices current operators
And store in NFC payment devices the face-image, it is for future reference to carry out public security；
Step 9, NFC payment devices judge that current operator finishes the time spent by payment cipher with its lawful owner input
Difference be located at default time difference in the range of when, then NFC payment devices by the corresponding amount of money in its account be transferred to NFC settle accounts
In the account of terminal, Secure Transaction payment process is completed；Otherwise, NFC payment devices refusal performs payment process, and automatic forced
Disconnect the communication with NFC settlement terminals.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611023200.4A CN106779674A (en) | 2016-11-21 | 2016-11-21 | Secure Transaction method of payment based on NFC |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201611023200.4A CN106779674A (en) | 2016-11-21 | 2016-11-21 | Secure Transaction method of payment based on NFC |
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| CN106779674A true CN106779674A (en) | 2017-05-31 |
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ID=58969783
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| CN201611023200.4A Pending CN106779674A (en) | 2016-11-21 | 2016-11-21 | Secure Transaction method of payment based on NFC |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107239719B (en) * | 2017-06-05 | 2021-04-02 | 中国农业银行股份有限公司 | Characteristic data generating device, card reader, data processing system and method |
| CN109214224A (en) * | 2017-06-30 | 2019-01-15 | 阿里巴巴集团控股有限公司 | The Risk Identification Method and device of information coding |
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| CN108428131B (en) * | 2018-03-12 | 2021-08-03 | 宁波大学 | Payment method based on voice secret information hiding |
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Application publication date: 20170531 |