CN107194689B - Mobile phone payment system and method based on near field magnetic communication and proximity relation detection - Google Patents
Mobile phone payment system and method based on near field magnetic communication and proximity relation detection Download PDFInfo
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
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- 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
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04B—TRANSMISSION
- H04B5/00—Near-field transmission systems, e.g. inductive or capacitive transmission systems
- H04B5/20—Near-field transmission systems, e.g. inductive or capacitive transmission systems characterised by the transmission technique; characterised by the transmission medium
- H04B5/24—Inductive coupling
- H04B5/26—Inductive coupling using coils
- H04B5/263—Multiple coils at either side
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04B—TRANSMISSION
- H04B5/00—Near-field transmission systems, e.g. inductive or capacitive transmission systems
- H04B5/70—Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes
- H04B5/72—Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes for local intradevice communication
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Abstract
The invention provides a mobile phone payment system and a method based on near field magnetic communication and proximity relation detection, wherein a payee initiates a collection flow through a collection device, a collection verification service platform is connected with a collection terminal, a transaction verification code and a dynamic transaction code generated in a transaction are sent to the collection terminal, the collection terminal broadcasts the dynamic transaction code through a WiFi or BLE link, the transaction verification code is sent through a near field magnetic communication link, a smart phone acquires the dynamic transaction code and the transaction verification code, packages the dynamic transaction code and the transaction verification code into a verification request message and sends the verification request message to the collection verification service platform for safety verification, the collection verification service platform verifies the uploaded transaction verification code and the dynamic transaction code, and after verification, payment transaction is completed through a payment interface provided by a payment platform; the system supports immediate payment, can reduce payment actions, shortens payment time, improves payment experience, and ensures payment safety by generating unique transaction verification codes and dynamic transaction codes updated in dynamic periods in transactions.
Description
Technical Field
The invention relates to a mobile phone payment system and method, in particular to a mobile phone payment system and method based on near field magnetic communication and proximity relation detection, which are mainly applied to mobile payment under smart phone line and belong to the field of mobile payment.
Background
In recent years, mobile payment of wallet-free and cash-free has rapidly penetrated into the daily life of people, and has gradually become a daily habit of people. The main technical means of offline mobile payment comprise: two-dimensional code, NFC, bluetooth.
NFC (NEAR FIELD Communication) near field Communication, as a near field payment mode, has the advantages of high safety, quick and convenient payment, good user experience, no need of online networking of smart phones and the like, is a payment mode mainly pushed by a silver-colored, telecom operators and various large banks in 2016 years and before, but is influenced by the factors of high cost, low popularization speed and low proportion of smart phones with built NFC due to the fact that cash collecting equipment, namely a flash cash collecting PoS machine, and even if the smart phones with built NFC are supported by mobile phone manufacturers such as apples, such as ApplePay, the popularization effect is still not ideal.
BLE (Bluetooth Low Energy) bluetooth low energy payment also belongs to a mode of near field payment, and relative NFC, the working distance of the bluetooth low energy payment is extended from 10cm to tens of meters, but because the remote payment scene is not significant except in a few places such as restaurants, the wireless transmission distance is long, the security is reduced, the difference of bluetooth pairing connection time of different types of smart phones is large, the user experience is inconsistent, most Android smart phone users close bluetooth for saving electricity, the factors lead to bluetooth payment not to be widely applied, and only safe payment is carried out in 2014 for a period of popularization effort.
The two-dimensional code is used as a mobile payment technology, has the advantages of low cost of a cash collecting terminal, support of all types of smart phones and the like, and has become a mainstream mode of mobile payment under the strong promotion of Internet huge heads such as Tencentration, abirateroba and the like. Half year from 2016, the Unionpay and each big bank also begin to comprehensively support the two-dimensional code payment mode. Two-dimensional code payment can be divided into two forms of active code scanning payment and dynamic payment code scanning from the angle of the smart phone, and compared with NFC near field payment, the two forms have the defects of relatively complex operation flow, poor user experience, low safety and the like. In contrast, the scanned mode has higher safety due to the dynamic updating of the payment code of the user, but merchants need to reform or newly purchase the code scanning gun with the unequal 80-200 yuan, and special cashiers are configured; the new cost of the merchant in the active code scanning mode is close to 0, no special collection operation is required to be executed by the merchant, but the collection code is a static two-dimensional code, easy to replace and serious in potential safety hazard.
Disclosure of Invention
Aiming at the problems that the existing two-dimension code payment mode is low in safety, a user is required to execute a plurality of actions during payment, the process is complex, NFC is limited by high price of a collection device, a smart phone terminal supporting NFC is few and the like, the invention provides a collection terminal of a mobile phone payment system, when the collection process is started, a unique transaction verification code and a periodically updated dynamic transaction code of the collection transaction are obtained from a collection verification service platform, the dynamic transaction code is broadcasted to a nearby smart phone through WiFi/BLE signals, and meanwhile, the transaction verification code corresponding to the transaction is transmitted by a magnetic transmitting unit; the intelligent mobile phone in the unlocking state runs a WiFi/BLE interception watch library in the background, a dynamic transaction code corresponding to each payment transaction is obtained, detection of the proximity relation between the intelligent mobile phone and a receiving terminal is achieved based on the receiving intensity RSS of WiFi/BLE broadcasting signals, when the intelligent mobile phone detects that the distance from the receiving terminal is smaller than a specified value (such as 0.1 m), a magnetometer sensor is automatically started to sample a magnetic field, a transaction verification code is obtained based on a magnetic signal demodulation algorithm, and the transaction verification code and the dynamic transaction code are sent to a receiving verification service platform together for safety verification, so that payment safety is improved, the number of user operation actions is reduced, and user experience is improved.
In order to achieve the technical purpose, the technical scheme of the invention is as follows: the mobile phone payment system based on near field magnetic communication and proximity relation detection is characterized by comprising a collection terminal, a smart phone and a collection verification service platform, wherein the collection verification service platform is in secure connection with the collection terminal through a WiFi wireless router or collection equipment and is used for sending a unique transaction verification code generated in collection transaction and a periodically updated dynamic transaction code to the collection terminal, the collection terminal broadcasts the dynamic transaction code to the smart phone through a WiFi link or a BLE link, the smart phone sends the transaction verification code to the smart phone through the near field magnetic communication link, the smart phone acquires the dynamic transaction code according to a received broadcast signal of the WiFi link or the BLE link, when the distance between the smart phone and the collection terminal is judged to be smaller than a specified value, a magnetometer sensor is automatically started to sample the magnetic signal of the near field communication link to obtain the transaction verification code, the transaction verification code and the dynamic transaction code are packaged into a verification request message through the 3G/4G wireless link or the WiFi wireless router and are sent to the collection verification service platform for secure verification, and the collection verification service platform verifies the transaction verification code and the dynamic transaction code uploaded by the smart phone, and the payment verification service platform is connected with the payment platform through one or more payment service platforms to complete payment interfaces.
Further, the collection device is a collection Pad/mobile phone or a cash register, the collection Pad/mobile phone is connected with a collection verification service platform through a 3G/4G network, data exchange is carried out with a collection terminal through BLE safety connection, the cash register is connected with the collection verification service platform through a public network or VPN link, and the cash register is connected with the collection terminal through a USB or serial port.
Further, the cashing terminal comprises a shell, a status display LED is arranged at four corners of the shell, a WiFi unit, a BLE unit, an antenna unit, a magnetic emission unit and a power supply and clock unit are integrated in the shell, an MCU microcontroller is arranged in the WiFi unit, the antenna unit comprises a radio frequency switch and a PCB omni-directional antenna, the radio frequency switch is connected with the PCB omni-directional antenna, the working frequency band of the PCB omni-directional antenna is 2.4GHz and is used for sending and receiving WiFi and BLE wireless signals, the magnetic emission unit comprises a full-bridge driving circuit, a variable gain operational amplifier and a magnetic coil, the full-bridge driving circuit is connected with the variable gain operational amplifier, the variable gain operational amplifier is connected with the magnetic coil, and the power supply and clock unit is respectively connected with the WiFi unit, the BLE unit, the magnetic emission unit and the status display LED and provides a power supply and a reference working clock for the cashing terminal;
The MCU microcontroller is respectively connected with the full-bridge driving circuit of the magnetic transmitting unit and the variable gain operational amplifier, and is used for controlling the full-bridge driving circuit to realize 0 level, +level, -level and controlling the operational amplifier gain of the variable gain operational amplifier, the magnetic coil is used for transmitting magnetic signals in a near field form, the MCU microcontroller is connected with the state display LED and is used for controlling the state display LED to display a receipt and payment state, four states of standby, collection success and safety warning are represented by different colors, the MCU microcontroller is connected with the BLE unit and is used for controlling the BLE unit to transmit BLE notification messages, the BLE unit and the WiFi unit are connected with the radio frequency switch of the antenna unit, and the MCU microcontroller controls the radio frequency switch to realize the switching of signal channels between the WiFi unit and the BLE unit;
The cash register terminal comprises at most 3 paths of magnetic transmitting units, the 3 paths of magnetic transmitting units are respectively mutually orthogonal X/Y/Z axis magnetic fields, and the orthogonality of the magnetic transmitting units is realized through the orthogonal placement of magnetic coils.
Further, the WiFi unit supports two working modes of Station and AP, the collection terminal establishes a secure connection with the collection verification service platform through the Station mode, the dynamic transaction code and the transaction verification code generated by the collection verification service platform are obtained through a secure socket layer SSL, and the dynamic transaction code is broadcasted to the Android smart phone through a Beacon frame of the AP mode; the BLE unit performs data exchange with the receiving Pad/mobile phone through BLE secure connection, and broadcasts a dynamic transaction code to the iPhone smart phone through a BLE notification message of a BLE notification channel; the magnetic transmitting unit transmits the transaction verification code to the smart phone through the magnetic coil by utilizing a near-field magnetic communication technology.
Further, the smart phone is an Android smart phone or a smart phone above iPhone 4S, a 3G/4G wireless network is supported, and a WiFi/BLE unit and a magnetometer sensor are arranged in the smart phone; in an unlocking state, the Android smart phone background calls a periodic WiFi scanning result of an Android operating system to obtain a dynamic transaction code, and the iPhone smart phone monitors a BLE broadcast message of a collection terminal in a BLE background mode of an iOS operating system to obtain the dynamic transaction code; and the intelligent mobile phone starts a near-field magnetic communication signal demodulation algorithm to sample a magnetic field through a magnetometer sensor, and the sample obtains a transaction verification code sent by a collection terminal.
Further, the collection verification service platform can be integrated in the payment platform and can be independently deployed, and comprises a state management module of the collection terminal, a dynamic transaction code maintenance and update module, a transaction verification code generation module, a dynamic transaction code and transaction verification code mapping relation verification module and a payment interface calling module of the payment platform.
Further, the authentication request message includes: dynamic transaction code, transaction verification code, payment platform identification, account number of user on payment platform and transaction amount.
In order to further achieve the technical purpose, the invention also provides a mobile phone payment method based on near field magnetic communication and proximity relation detection, which is characterized by comprising the following steps:
firstly, a collection verification service platform establishes system basic data, configures and maintains updating of dynamic transaction codes, broadcasting strategies and transaction verification code generation strategies;
Step two, starting up and initializing the collection terminal: setting a state display LED as a standby state after the collection terminal is started, establishing connection with a collection verification service platform, registering the starting state with the collection verification service platform, and acquiring updating of a dynamic transaction code, a broadcasting strategy and expiration time of the transaction verification code;
Third, the smart phone is started and unlocked, a safe connection is established with a collection verification service platform, an RSS threshold corresponding to the detection of the proximity relation of the smart phone is obtained from the collection verification service platform and recorded locally, a background interception mechanism is started, and different interception mechanisms are executed according to different operating systems;
Fourth, the payee initiates a payee flow: when preparing to collect, the collector inputs the transaction amount through the collection equipment, and sends the transaction amount information to the collection verification service platform, and the collection flow is actively initiated;
Generating a unique transaction verification code and a periodically updated dynamic transaction code corresponding to the transaction after receiving the information by the collection verification service platform, and transmitting the transaction verification code and the dynamic transaction code to a collection terminal through a WiFi wireless router or collection equipment;
step six, after receiving the dynamic transaction code and the transaction verification code, the collection terminal sets the state display LED to be a collection state, alternately broadcasts the dynamic transaction code through the WiFi unit and the BLE unit by the PCB omnidirectional antenna, and sends the transaction verification code through the magnetic transmitting unit;
Step seven, the intelligent mobile phone acquires signals: the intelligent mobile phone acquires the receiving intensity RSS for monitoring the broadcast signals through different operating systems, judges whether the distance between the intelligent mobile phone and a receiving terminal exceeds a specified value according to the RSS value and a locally stored RSS threshold, acquires and records a dynamic transaction code if the distance does not exceed the specified value, automatically starts a magnetometer sensor to sample a magnetic field, demodulates a transaction verification code based on sampling data, packages the dynamic transaction code and the transaction verification code into a verification request message, and uploads the verification request message to a receiving verification service platform through an HTTPS protocol; if yes, continuing to monitor the broadcast signal;
Step eight, verification and payment transaction execution of the collection verification service platform: after receiving the verification request message, the collection verification service platform judges whether the dynamic transaction code and the transaction verification code in the received verification request message are matched with locally generated code words, if so, the collection verification service platform passes verification and invokes a payment interface corresponding to the payment platform to complete a payment process, and meanwhile, a transaction completion message is sent; if not, terminating the transaction and sending a safety warning message;
Step nine, processing transaction feedback information: if the receiving terminal receives the transaction completion message of the receiving verification service platform, the updating state display LED is in a standby state, and WiFi/BLE broadcasting and magnetic emission are stopped; if the safety warning message of the collection verification service platform is received, setting a state display LED to be in a warning state, suspending collection service, and stopping WiFi/BLE broadcasting and magnetic emission;
If the smart phone receives the transaction completion message of the collection verification service platform, prompting the user that the transaction is successful and the amount of the transaction is the amount of the transaction, and re-performing background interception; if the security alarm message sent by the collection verification service platform is received, the user is prompted that the transaction is terminated, the payment is failed, and background interception is conducted again.
Further, the step one of the receiving verification service platform establishing system basic data includes: maintaining and managing address, merchant name, account number and other basic information of the payee corresponding to the payee terminal and judging an RSS threshold database in a close relation;
The collection verification service platform configures and maintains a dynamic transaction code generation update broadcast and a transaction verification code generation strategy, which comprises the following steps: the method comprises the steps of randomly generating a strategy for dynamic transaction codes and transaction verification codes, a dynamic transaction code updating period, a dynamic transaction code broadcasting interval and transaction verification code expiration time, wherein the dynamic transaction code updating period defaults to 1 minute, and the transaction verification code length is 24bits.
Further, in the step six, the default broadcasting interval of the dynamic transaction code is 100ms, and for the WiFi link, the SSID field in the Beacon frame carries the dynamic transaction code; for a BLE link, carrying a dynamic transaction code in a vendor custom data field of a BLE notification message; and the WiFi Beacon frame and the BLE notification message contain transaction amount; the interval of the transaction verification code sent by the receiving terminal through the magnetic transmitting unit defaults to 1s.
The beneficial effects of the invention are as follows:
1) The payment system adopts the low-cost WiFi/BLE unit, based on the collection verification service platform, realizes the state management of the collection terminal, the periodic update of the dynamic transaction code and the generation of the transaction verification code, verifies the corresponding mapping relation of the dynamic transaction code and the transaction verification code and transmits the transaction verification code, and the transaction verification code is transmitted within a distance of 3-5 cm through a near-field magnetic communication link, so that the security of the payment system is obviously improved;
2) The smart phone automatically starts a built-in magnetometer sensor to perform near-field magnetic communication when judging that the distance between the smart phone and a receiving terminal is smaller than a specified value of 0.1 meter based on the strength of the detected WiFi or BLE receiving signal; the whole payment process realizes immediate payment without other payment actions of the user, shortens the payment time and improves the payment experience of the user;
3) The intelligent mobile phone only runs the low-power WiFi/BLE interception watch library in the background under the unlocking state, so that the power consumption of the intelligent mobile phone is not increased additionally;
4) The number of smart phones with built-in magnetometer sensors is far larger than that of smart phones with built-in NFC units, the applicability is wider, and the cost of the cash register terminal is only about 40 yuan, so that the cost is low.
Drawings
Fig. 1 is a schematic structural diagram of a mobile phone payment system according to the present invention.
Fig. 2 is a block diagram of a reception terminal according to the present invention.
Fig. 3 is a flow chart of the mobile phone payment method of the present invention.
Description of the drawings: the wireless charging system comprises a 1-charging terminal, a 11-WiFi unit, a 12-BLE unit, a 13-antenna unit, a 131-radio frequency switch, a 132-PCB omnidirectional antenna, a 14-magnetic transmitting unit, a 141-full-bridge driving circuit, a 142-variable gain operational amplifier, a 143-magnetic coil, a 15-state display LED, a 16-power supply and clock unit, a 2-smart phone, a 3-charging verification service platform, a 4-WiFi wireless router, a 5-charging device, a 51-charging Pad/mobile phone, a 52-cash register and a 6-payment platform.
Detailed Description
The invention will be further described with reference to the following specific drawings and examples.
According to fig. 1, a mobile phone payment system based on near field magnetic communication and proximity relation detection is characterized by comprising: the payment verification service platform 3 establishes a secure connection with the payment terminal 1 through a WiFi wireless router 4 or a payment device 5, and is used for sending a unique transaction verification code generated for each payment transaction and a periodically updated dynamic transaction code to the payment terminal 1, the payment terminal 1 broadcasts the dynamic transaction code to the smart phone 2 through a WiFi link or a BLE link, the transaction verification code is sent to the smart phone 2 through a near field magnetic communication link, the smart phone 2 acquires the dynamic transaction code according to the broadcast signal of the detected WiFi link or BLE link, the transaction verification code is obtained through magnetic field sampling data demodulation of a magnetometer sensor, the transaction verification code and the dynamic transaction code are packaged into a verification request message through a 3G/4G wireless link or the WiFi wireless router 4, the verification request message is sent to the payment verification service platform 3 for secure verification based on an HTTPS protocol, the transaction verification code and the dynamic transaction code uploaded by the smart phone 2 are verified by the payment verification service platform 3, and the payment service platform 6 is connected through a near field magnetic communication link, and the payment platform 6 is provided with a payment platform 6 for completing the transaction.
The collection device 5 is a collection Pad/mobile phone 51 or a cash register 52, when the cash register 52 exists in a store of a collection party, the collection terminal 1 can be used as an external module of the cash register 52 to be connected with the cash register 52 through a USB or serial port, and is communicated with the collection verification service platform 3 through the existing network connection of the cash register 52, and meanwhile, the USB of the cash register 52 also has the function of supplying power to the collection terminal 1; when the WiFi wireless router 4 and the cash register 52 are not arranged in the store of the payee, the payee terminal 1 can be used as an external module of the payee Pad/mobile phone 51 to exchange data with the payee Pad/mobile phone 51 through BLE secure connection, and is communicated with the payee authentication service platform 3 through the 3G/4G network existing in the payee Pad/mobile phone 51.
The smart phone 2 is an Android smart phone or an apple smart phone with more than iPhone 4S, a 3G/4G wireless network is supported, a WiFi/BLE unit and a magnetometer sensor are built in the smart phone, when the smart phone 2 is in an unlocking state, a low-power WiFi/BLE interception gatekeeper library is operated in the background, broadcast signals of the cash register terminal 1 are intercepted through the WiFi/BLE unit, whether the distance between the smart phone and the cash register terminal 1 is smaller than a specified value is judged according to a received signal RSS value of the WiFi/BLE unit, the specified value is 0.1m, if the distance is smaller than the specified value, a dynamic transaction code carried in the broadcast signals is acquired, the magnetometer sensor is automatically started to acquire a magnetic field signal, a transaction verification code sent by the cash register terminal 1 is acquired based on a near-field magnetic communication signal demodulation algorithm, the acquired dynamic transaction code and data such as the transaction verification code are packed into verification request information, and the verification request information is transmitted to the cash register verification service platform 3 through a HTPPS security protocol.
The collection verification service platform 3 may be integrated inside the payment platform 6, or may be deployed independently, and when deployed independently, the functional modules include but are not limited to: the system comprises a state management module of the collection terminal 1, a dynamic transaction code maintenance and update module, a transaction verification code generation module, a dynamic transaction code and transaction verification code mapping relation verification module and a payment interface calling module of a payment platform.
According to fig. 2, the cash register terminal 1 includes a housing, four corners of the housing are provided with status display LEDs 15, a WiFi unit 11, a BLE unit 12, an antenna unit 13 and a magnetic transmitting unit 14 are integrated in the housing, an MCU micro-controller is built in the WiFi unit 11, the antenna unit 13 includes a radio frequency switch 131 and a PCB omni-directional antenna 132, the radio frequency switch 131 is connected with the PCB omni-directional antenna 132, the magnetic transmitting unit 14 includes a full-bridge driving circuit 141, a variable gain operational amplifier 142 and a magnetic coil 143, the full-bridge driving circuit 141 is connected with the variable gain operational amplifier 142, and the variable gain operational amplifier 142 is connected with the magnetic coil 143; the MCU microcontroller is respectively connected with the full-bridge driving circuit 141 and the variable gain operational amplifier 142 of the magnetic transmitting unit 14, and is used for controlling the full-bridge driving circuit 141 to realize 0 level, +level, -level and controlling the operational amplifier gain of the variable gain operational amplifier 142, the magnetic coil 143 is used for transmitting magnetic signals in a near field form, the MCU microcontroller is connected with the status display LED15, is used for controlling the status display LED15 to display a receipt and payment status, and represents standby, collection success and safety warning status through different colors, the MCU microcontroller is connected with the BLE unit 12 and is used for controlling the BLE unit 12 to transmit BLE notification messages, the BLE unit 12 and the WiFi unit 11 are both connected with the radio frequency switch 131 of the antenna unit 13, and the MCU controls the radio frequency switch 131 to realize the switching of signal channels between the WiFi unit 11 and the BLE unit 12;
The cash register terminal 1 further comprises a power supply and clock unit 16, the power supply and clock unit 16 is respectively connected with the WiFi unit 11, the BLE unit 12, the magnetic transmitting unit 14 and the status display LED15, and the power supply and clock unit 16 provides power supply and reference working clock for the cash register terminal 1.
The working frequency band of the PCB omni-directional antenna 132 is 2.4GHz, and is configured to send and receive WiFi and BLE wireless signals, including WiFi/BLE broadcast signals, wiFi data transmission signals of the WiFi wireless router 4, and BLE data transmission signals of the receiving Pad/mobile phone 51.
The collection terminal 1 includes at most 3 magnetic transmitting units 14, the 3 magnetic transmitting units 14 are respectively X/Y/Z axis magnetic fields orthogonal to each other, and the orthogonality of the magnetic transmitting units 14 is achieved by the orthogonal placement of the magnetic coils 143.
The WiFi unit 11 supports two working modes of Station and AP, the collection terminal 1 establishes a secure connection with the collection verification service platform 3 through the Station mode, acquires a dynamic transaction code and a transaction verification code generated by the collection verification service platform 3 through a secure socket layer SSL, and broadcasts the dynamic transaction code to the Android smart phone through a Beacon frame of the AP mode; the BLE unit 12 exchanges data with the payable Pad/mobile phone 51 through a BLE secure connection, and broadcasts a dynamic transaction code to the iPhone smart phone through a BLE notification message of a BLE notification channel; the magnetic transmitting unit 14 transmits the transaction verification code to the smart phone 2 through the magnetic coil 143 using a near field magnetic communication technology.
According to the mobile phone payment method based on near field magnetic communication and proximity relation detection shown in fig. 3, the method is characterized by comprising the following steps:
Firstly, the collection verification service platform 3 establishes system basic data, configures and maintains the updating of dynamic transaction codes, broadcasting strategies and transaction verification code generation strategies;
the checkout verification service platform 3 builds system base data including, but not limited to: and maintaining and managing the address, merchant name, account number and other basic information of the payee corresponding to the payee terminal 1 and a proximity relation judgment RSS threshold database.
The proximity relation judgment RSS threshold database stores proximity relation detection RSS thresholds in a plurality of directions and a plurality of holding postures when the distance between each model of smart phone 2 and the receiving terminal 1 is a specified value (such as 0.1 meter). Because different manufacturers and models of smart phones 2, particularly Android smart phones, adopt different WiFi chip and PCB packaging modes, the different manufacturers and models of smart phones 2 receive WiFi signals with the same transmitting power at the same position and the same place, and the RSS value difference is large, aiming at the Android smart phones and iPhone smart phones of different manufacturers and models, a proximity relation detection RSS threshold value is obtained through a pre-training mode, and a special RSS threshold database is stored and constructed.
The collection verification service platform 3 configures and maintains dynamic transaction code generation update broadcast and transaction verification code generation policies including, but not limited to: the method comprises the steps of randomly generating a strategy for dynamic transaction codes and transaction verification codes, a dynamic transaction code updating period, a dynamic transaction code broadcasting interval and transaction verification code expiration time, wherein the dynamic transaction code updating period defaults to 1 minute, the broadcasting interval defaults to 100ms, and the transaction verification code length is 24bits.
Step two, starting up and initializing the collection terminal 1: setting a state display LED15 to be in a standby state after the collection terminal 1 is started, establishing a secure connection with the collection verification service platform 3, registering the starting state with the collection verification service platform 3, and acquiring the updating of the dynamic transaction code, the broadcasting strategy and the expiration time of the transaction verification code;
step three, the smart phone 2 is started and unlocked, a safe connection is established with the collection verification service platform 3, an RSS threshold corresponding to the detection of the proximity relation of the smart phone is obtained from the collection verification service platform 3 and recorded locally, the smart phone 2 in an unlocked state starts a background interception mechanism, and different interception mechanisms are executed according to different operating systems;
If the mobile phone is an iPhone smart phone, starting a BLE interception watch library in a background mode of an iOS system blue-central, and monitoring a BLE notification message carrying a dynamic transaction code, which is broadcast by a cash register terminal 1 through a BLE unit 12; if the Android smart phone is the Android smart phone, a WiFi interception watch library is started, a periodic WiFi scanning result of an Android operating system is called by the background, and a WiFi Beacon frame carrying a dynamic transaction code and broadcast by the cash register terminal 1 through the WiFi unit 11 is monitored;
in the transaction process, the smart phone 2 must be in an unlocked state, so as to provide a necessary interaction interface for the user, and a background interception mechanism is started only when the smart phone 2 is in the unlocked state, so that interception power consumption of the smart phone 2 can be further reduced.
Fourth, the payee initiates a payee flow: when preparing to collect, the collector inputs the transaction amount through the collection device 5 and sends the transaction amount information to the collection verification service platform 3 to actively initiate the collection flow;
Step five, after receiving the information, the collection verification service platform 3 generates a transaction verification code and a dynamic transaction code with updated period, and sends the transaction verification code and the dynamic transaction code to the collection terminal 1 through the WiFi wireless router 4 or the cash register 52 or the collection Pad/mobile phone 51;
Step six, after receiving the dynamic transaction code and the transaction verification code, the cash collecting terminal 1 sets the status display LED15 to be in a cash collecting status, alternately broadcasts the dynamic transaction code through the WiFi unit 11 and the BLE unit 12 and the PCB omni-directional antenna 132, and sends the transaction verification code through the magnetic transmitting unit 14;
the default broadcasting interval of the dynamic transaction code is 100ms, and for the WiFi link, the SSID field in the Beacon frame carries the dynamic transaction code; for a BLE link, carrying a dynamic transaction code in a vendor custom data field of a BLE notification message; the WiFi Beacon frame and the BLE notification message can contain information such as transaction amount, and the information is convenient for the smart phone user to check and confirm;
The interval at which the transaction verification code is transmitted by the reception terminal 1 through the magnetic transmitting unit 14 defaults to 1s;
Step seven, the intelligent mobile phone 2 acquires signals: the intelligent mobile phone 2 acquires the receiving intensity RSS of interception broadcast signals through different operating systems, judges whether the distance between the intelligent mobile phone 2 and the receiving terminal 1 exceeds a specified value (such as 0.1 m) according to the RSS value and a locally stored RSS threshold, acquires and records a dynamic transaction code if the distance does not exceed the specified value, automatically starts a magnetometer sensor to sample a magnetic field, demodulates a transaction verification code based on sampling data, packages the dynamic transaction code and the transaction verification code into a verification request message, and uploads the verification request message to the receiving verification service platform 3; if the value exceeds the appointed value, continuing to monitor the broadcast signal;
The authentication request message includes, but is not limited to: dynamic transaction code, transaction verification code, payment platform identification, account number of user on payment platform and transaction amount.
Because different manufacturers and models of smart phones 2, particularly Android smart phones, adopt different WiFi chip and PCB packaging modes, the different manufacturers and models of smart phones 2 receive WiFi signals with the same transmitting power at the same position and the same place, and the RSS value difference is large, in order to solve the problem, aiming at the Android smart phones and iPhone smart phones of different manufacturers and models, a proximity relation detection RSS threshold value is obtained through a pre-training mode, a special RSS threshold database is stored and constructed, and the RSS threshold database stores the proximity relation detection RSS threshold value of each model of mobile phone in a plurality of directions, a plurality of distances and a plurality of holding postures;
Step eight, verification and payment transaction execution of the collection verification service platform 3: after receiving the verification request message, the collection verification service platform 3 judges whether the dynamic transaction code and the transaction verification code in the received verification request message are matched with locally generated code words, if so, the dynamic transaction code and the transaction verification code pass verification, and according to the payment platform 6 and the user account number in the verification request message, a payment interface corresponding to the payment platform 6 is called to complete a payment process, and meanwhile, a transaction completion message is sent to inform the cash register 52, the collection Pad/mobile phone 51, the collection terminal 1 and the smart phone 2 of the completion of the transaction, and prompt of the transaction amount; if the mapping relation is not matched, namely the mapping relation is not satisfied, terminating the transaction, and sending a security alarm message to the cash register 52, the collection Pad/mobile phone 51, the collection terminal 1 and the smart phone 2;
Step nine, processing transaction feedback information: if the receiving terminal 1 receives the transaction completion message of the receiving verification service platform 3, the update status display LED15 is in a standby status, stopping WiFi/BLE broadcasting and magnetic emission; if the security alarm message of the collection verification service platform 3 is received, setting the status display LED15 to be in an alarm state, suspending the collection service, and stopping WiFi/BLE broadcasting and magnetic emission;
If the smart phone 2 receives the transaction completion message of the collection verification service platform 3, prompting the user that the transaction is successful and the amount of the transaction is the same, and re-performing background interception; if the security alarm message of ending sent by the collection verification service platform 3 is received, the user is prompted to end the transaction, the payment fails, and background interception is carried out again.
The invention is characterized in that: the system consists of a collection terminal 1 with a WiFi unit 11, a Bluetooth low energy unit 12, a magnetic transmitting unit 14, a smart phone 2 with built-in WiFi and BLE units and magnetometer sensors, and a collection verification service platform 3; when the low-cost collection terminal 1 starts the collection flow, a unique transaction verification code and a periodically updated dynamic transaction code of the collection transaction are acquired from the collection verification service platform 3 and broadcast to the nearby smart phone 2 through the WiFi/BLE unit, and meanwhile, the unique transaction verification code of the transaction is transmitted by the magnetic transmitting unit 14; the intelligent mobile phone 2 in the unlocking state runs a low-power consumption WiFi/BLE interception watch library in the background, a corresponding dynamic transaction code is obtained, detection of the proximity relation between the intelligent mobile phone 2 and the receiving terminal 1 is achieved based on the WiFi/BLE broadcast signal receiving intensity RSS, when the intelligent mobile phone 2 detects that the distance from the receiving terminal 1 is smaller than a specified value (such as 0.1 m), a near-field magnetic communication demodulation algorithm is automatically started to obtain a unique transaction verification code in the transaction, the unique transaction verification code and the dynamic transaction code are sent to a receiving verification service platform together for safety verification, payment safety is improved, a user does not need to conduct any complex operation in the whole payment process, the number of user operation actions is reduced, and user experience is improved.
The invention and its embodiments have been described above with no limitation, and the actual construction is not limited to the embodiments of the invention as shown in the drawings. In summary, if one of ordinary skill in the art is informed by this disclosure, a structural manner and an embodiment similar to the technical solution should not be creatively devised without departing from the gist of the present invention.
Claims (9)
1. The mobile phone payment system based on near field magnetic communication and proximity relation detection is characterized by comprising a collection terminal (1), a smart phone (2) and a collection verification service platform (3), wherein the collection verification service platform (3) is in secure connection with the collection terminal (1) through a WiFi wireless router (4) or collection equipment (5) and is used for sending a unique transaction verification code generated in collection transaction and a periodically updated dynamic transaction code to the collection terminal (1), the collection terminal (1) broadcasts a dynamic transaction code to the smart phone (2) through a WiFi link or a BLE link, sends a transaction verification code to the smart phone (2) through a near field magnetic communication link, the smart phone (2) acquires the dynamic transaction code according to a received broadcast signal of the WiFi link or the BLE link, and automatically starts a magnetometer sensor to sample a magnetic signal of the near field magnetic flux communication link to acquire the transaction verification code when the distance between the smart phone and the collection terminal (1) is smaller than a specified value, and sends the transaction verification code and the dynamic transaction verification code to the collection platform (3) through a 3G/4G wireless link or the WiFi wireless router (4) to carry out secure connection with the collection verification platform (6) to carry out a plurality of transaction verification codes, the collection verification service platform (3) completes payment transaction through a payment interface provided by the payment platform (6);
The cash register terminal (1) comprises a shell, wherein state display LEDs (15) are arranged at four corners of the shell, a WiFi unit (11), a BLE unit (12), an antenna unit (13) and a magnetic transmitting unit (14) and a power supply and clock unit (16) are integrated in the shell, an MCU (micro control unit) is arranged in the WiFi unit (11), the antenna unit (13) comprises a radio frequency switch (131) and a PCB (printed circuit board) omnidirectional antenna (132), the radio frequency switch (131) is connected with the PCB omnidirectional antenna (132), the working frequency band of the PCB omnidirectional antenna (132) is 2.4GHz and is used for transmitting and receiving WiFi and BLE wireless signals, the magnetic transmitting unit (14) comprises a full-bridge driving circuit (141), a variable gain operational amplifier (142) and a magnetic coil (143), the full-bridge driving circuit (141) is connected with the variable gain operational amplifier (142), the power supply and clock unit (16) is respectively connected with the WiFi unit (11), the BLE unit (12), the magnetic transmitting unit (14) and the display unit (15) and the power supply terminal (1) are connected with a reference clock;
The MCU microcontroller is respectively connected with a full-bridge driving circuit (141) and a variable gain operational amplifier (142) of the magnetic transmitting unit (14), and is used for controlling the full-bridge driving circuit (141) to realize 0 level, +level, -level and controlling operational amplifier gain of the variable gain operational amplifier (142), the magnetic coil (143) is used for transmitting magnetic signals in a near field form, the MCU microcontroller is connected with the state display LED (15), is used for controlling the state display LED (15) to display a receipt and payment state, and represents four states of standby, receipt and payment success and safety warning through different colors, the MCU microcontroller is connected with the BLE unit (12) and is used for controlling the BLE unit (12) to transmit BLE notification messages, the BLE unit (12) and the WiFi unit (11) are both connected with the radio frequency switch (131) of the antenna unit (13), and the MCU microcontroller is used for controlling the switching of signal channels between the WiFi unit (11) and the BLE unit (12);
The cash collecting terminal (1) comprises at most 3 paths of magnetic transmitting units (14), the 3 paths of magnetic transmitting units (14) are respectively orthogonal X/Y/Z axis magnetic fields, and the orthogonality of the magnetic transmitting units (14) is achieved through orthogonal placement of magnetic coils (143).
2. The mobile phone payment system based on near field magnetic communication and proximity relation detection according to claim 1, wherein the collection device (5) is a collection Pad/mobile phone (51) or a cash register (52), the collection Pad/mobile phone (51) is connected with a collection verification service platform (3) through a 3G/4G network, data exchange is performed with the collection terminal (1) through a BLE secure connection, and the cash register (52) is connected with the collection verification service platform (3) through a public network or VPN link and is connected with the collection terminal (1) through a USB or serial port.
3. The mobile phone payment system based on near field magnetic communication and proximity relation detection according to claim 1, wherein the WiFi unit (11) supports two working modes of Station and AP, the receiving terminal (1) establishes secure connection with the receiving verification service platform (3) through Station mode, obtains a dynamic transaction code and a transaction verification code generated by the receiving verification service platform (3) through secure socket layer SSL, and broadcasts the dynamic transaction code to the Android smart phone through Beacon frame of AP mode; the BLE unit (12) performs data exchange with the receiving Pad/mobile phone (51) through BLE secure connection, and broadcasts a dynamic transaction code to the iPhone smart phone through a BLE notification message of a BLE notification channel; the magnetic transmitting unit (14) transmits the transaction verification code to the smart phone (2) through the magnetic coil (143) by utilizing a near field magnetic communication technology.
4. The mobile phone payment system based on near field magnetic communication and proximity relation detection according to claim 1, wherein the smart phone (2) is an Android smart phone or a smart phone above iPhone 4S, supports a 3G/4G wireless network, and is internally provided with a WiFi/BLE unit and a magnetometer sensor; in an unlocking state, the Android smart phone background calls a periodic WiFi scanning result of an Android operating system to obtain a dynamic transaction code, and the iPhone smart phone monitors a BLE broadcast message of a collection terminal (1) in a BLE background mode of an iOS operating system to obtain the dynamic transaction code; and the intelligent mobile phone (2) starts a near field magnetic communication signal demodulation algorithm through a magnetometer sensor to sample a magnetic field, and the sample obtains a transaction verification code sent by the collection terminal (1).
5. The mobile phone payment system based on near field magnetic communication and proximity relation detection according to claim 1, wherein the collection verification service platform (3) can be integrated inside the payment platform (6) or can be deployed independently, and comprises a state management module, a dynamic transaction code maintenance and update module, a transaction verification code generation module, a dynamic transaction code and transaction verification code mapping relation verification module and a payment interface calling module of the payment platform.
6. The mobile phone payment system based on near field magnetic communication and proximity relation detection of claim 1, wherein the authentication request message comprises: dynamic transaction code, transaction verification code, payment platform identification, account number of user on payment platform and transaction amount.
7. The mobile phone payment method based on near field magnetic communication and proximity relation detection is applied to the mobile phone payment system based on near field magnetic communication and proximity relation detection as claimed in any one of claims 1 to 6, and is characterized in that the mobile phone payment method based on near field magnetic communication and proximity relation detection comprises the following steps:
Firstly, a collection verification service platform (3) establishes system basic data, configures and maintains updating of dynamic transaction codes, broadcasting strategies and transaction verification code generation strategies;
Step two, starting up and initializing the collection terminal (1): setting a state display LED (15) to be in a standby state after the collection terminal (1) is started, establishing connection with the collection verification service platform (3), registering the starting state to the collection verification service platform (3), and acquiring the updating of the dynamic transaction code, the broadcasting strategy and the expiration time of the transaction verification code;
step three, the smart phone (2) is started and unlocked, a safe connection is established with the collection verification service platform (3), an RSS threshold corresponding to the detection of the proximity relation of the smart phone is obtained from the collection verification service platform (3) and recorded locally, a background interception mechanism is started, and different interception mechanisms are executed according to different operating systems;
Fourth, the payee initiates a payee flow: when preparing to collect, a collector inputs transaction amount through collection equipment (5), and sends transaction amount information to a collection verification service platform (3), and actively initiates a collection flow;
Step five, after receiving the information, the collection verification service platform (3) generates a unique transaction verification code corresponding to the transaction and a periodically updated dynamic transaction code, and sends the transaction verification code and the dynamic transaction code to the collection terminal (1) through the WiFi wireless router (4) or the collection equipment (5);
step six, after the receiving terminal (1) receives the dynamic transaction code and the transaction verification code, setting a state display LED (15) to be in a receiving state, alternately broadcasting the dynamic transaction code through a WiFi unit (11) and a BLE unit (12) by a PCB omnidirectional antenna (132), and sending the transaction verification code through a magnetic transmitting unit (14);
Step seven, the intelligent mobile phone (2) acquires signals: the intelligent mobile phone (2) acquires the receiving intensity RSS of interception broadcast signals through different operating systems, judges whether the distance between the intelligent mobile phone and the receiving terminal (1) exceeds a specified value according to the RSS value and a locally stored RSS threshold, acquires and records a dynamic transaction code if the distance does not exceed the specified value, automatically starts a magnetometer sensor to sample a magnetic field, demodulates a transaction verification code based on sampling data, packages the dynamic transaction code and the transaction verification code into a verification request message, and uploads the verification request message to the receiving verification service platform (3) through an HTTPS protocol; if yes, continuing to monitor the broadcast signal;
Step eight, verification and payment transaction execution of the collection verification service platform (3): after receiving the verification request message, the collection verification service platform (3) judges whether the dynamic transaction code and the transaction verification code in the received verification request message are matched with locally generated code words, if so, the dynamic transaction code and the transaction verification code pass through verification, a payment interface corresponding to the payment platform (6) is called, the payment flow is completed, and meanwhile, a transaction completion message is sent; if not, terminating the transaction and sending a safety warning message;
Step nine, processing transaction feedback information: if the receiving terminal (1) receives a transaction completion message of the receiving verification service platform (3), the updating state display LED (15) is in a standby state, and WiFi/BLE broadcasting and magnetic emission are stopped; if a security alarm message of the collection verification service platform (3) is received, setting a state display LED (15) to be in an alarm state, suspending collection service, and stopping WiFi/BLE broadcasting and magnetic emission;
If the smart phone (2) receives the transaction completion message of the collection verification service platform (3), prompting the successful transaction of the user and the amount of the transaction, and re-performing background interception; if the security alarm message sent by the collection verification service platform (3) is received, the user is prompted to terminate the transaction, the payment fails, and background interception is conducted again.
8. The mobile phone payment method based on near field magnetic communication and proximity relation detection according to claim 7, wherein the step one of the collection verification service platform (3) establishing system basic data includes: maintaining and managing address, merchant name, account number and other basic information of the payee corresponding to the payee terminal (1), and judging an RSS threshold database by the proximity relation;
The collection verification service platform (3) configures and maintains a dynamic transaction code generation update broadcast and a transaction verification code generation strategy, and the transaction verification code generation strategy comprises the following steps: the method comprises the steps of randomly generating a strategy for dynamic transaction codes and transaction verification codes, a dynamic transaction code updating period, a dynamic transaction code broadcasting interval and transaction verification code expiration time, wherein the dynamic transaction code updating period defaults to 1 minute, and the transaction verification code length is 24bits.
9. The mobile phone payment method based on near field magnetic communication and proximity relation detection according to claim 7, wherein the default broadcasting interval of the dynamic transaction code in the sixth step is 100ms, and for a WiFi link, an SSID field in a Beacon frame carries the dynamic transaction code; for a BLE link, carrying a dynamic transaction code in a vendor custom data field of a BLE notification message; and the WiFi Beacon frame and the BLE notification message contain transaction amount; the interval of the transaction verification code sent by the receiving terminal (1) through the magnetic transmitting unit (14) defaults to 1s.
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