CN107451806A - NFC payment and device - Google Patents

NFC payment and device Download PDF

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Publication number
CN107451806A
CN107451806A CN201610377753.3A CN201610377753A CN107451806A CN 107451806 A CN107451806 A CN 107451806A CN 201610377753 A CN201610377753 A CN 201610377753A CN 107451806 A CN107451806 A CN 107451806A
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China
Prior art keywords
nfc
terminal
trade confirmation
instruction
payment
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CN201610377753.3A
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Chinese (zh)
Inventor
岳宗鹤
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ZTE Corp
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ZTE Corp
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Priority to CN201610377753.3A priority Critical patent/CN107451806A/en
Priority to PCT/CN2017/000068 priority patent/WO2017206510A1/en
Publication of CN107451806A publication Critical patent/CN107451806A/en
Pending legal-status Critical Current

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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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

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

Abstract

The invention discloses a kind of NFC payment and device, belong to communication technique field.This method includes：First terminal receives NFC trading instructions and sent to second terminal；Second terminal generates NFC transaction response datas according to the NFC trading instructions and sent to first terminal；First terminal obtains trade confirmation instruction in merchandising response data from the NFC.Thus, it is possible to make the first terminal and second terminal coordinate completion NFC to pay, the security that enhancing NFC is paid.

Description

NFC payment and device
Technical field
The present invention relates to communication technique field, more particularly to NFC payment and device.
Background technology
NFC (Near Field Communication, Near Field Communication), which is paid, is very convenient mobile branch The mode of paying, has there is very more application scenarios in developed country.As China Unionpay is laid out Yun Shanfu, NFC Payment can also be popularized at home.NFC is paid while convenient use, also gradual the problem of security deficiency It is exposed.Such as after mobile phone is lost, NFC function can use in the same old way, fund is thus brought to steal the wind of brush Danger.
Scheme at present in terms of NFC safety of payment is more, has plenty of and is recognized according to cipher authentication or biological information Card, also have scheme mention handset carry out NFC payments when, shopping information can be sent to main frame, main frame Payment message is sent after identification to handset again.
Current NFC safety of payment schemes are essentially all that NFC chip and payment software are set in same terminal Standby upper, the terminal device can individually complete NFC payments, and fund is pacified after terminal device loss being thus present The problem of full property.
The content of the invention
In view of this, it is an object of the invention to provide a kind of NFC payment and device, to solve NFC The problem of payment safety.
To achieve the above object, the present invention provides a kind of NFC payment, and the method comprising the steps of：First Terminal receives NFC trading instructions by the first connection, and described first is connected as NFC connections；Described first eventually The NFC trading instructions are passed through the second linkup transmit to second terminal by end；Described in the first terminal receives The NFC transaction response datas that second terminal is sent, and rung by NFC transaction described in first linkup transmit The trade confirmation in data is answered to instruct.
Alternatively, the first terminal receives the NFC transaction response datas of the second terminal transmission and passed through Also wrapped between the step of trade confirmation in NFC transaction response data described in first linkup transmit instructs Include：Trade confirmation mark is obtained in merchandising response data from the NFC；Indicated when the trade confirmation identifies When trade confirmation success or trade confirmation fail, the first terminal obtains in merchandising response data from the NFC Trade confirmation is taken to instruct；When the trade confirmation identifies instruction trade confirmation success, the trade confirmation refers to Make as payment instruction；When the trade confirmation identifies instruction trade confirmation failure, the trade confirmation instruction To cancel payment instruction.
Alternatively, after the step of obtaining trade confirmation mark in the transaction response data from the NFC also Including：When trade confirmation mark instruction needs checking, the first terminal prompts user's input validation Information；The first terminal receives the checking information of user's input；The first terminal is by the checking information Pass through second linkup transmit to the second terminal；The first terminal receives the second terminal and sent The 2nd NFC transaction response data；The first terminal obtains in merchandising response data from the 2nd NFC Second trade confirmation identifies, and the second trade confirmation mark instruction is proved to be successful or authentication failed；Described One terminal obtains the instruction of the second trade confirmation in merchandising response data from the 2nd NFC；The first terminal Instructed by the second trade confirmation described in first linkup transmit；Indicated when second trade confirmation instructs When being proved to be successful, the second trade confirmation instruction is payment instruction；When second trade confirmation refers to When showing authentication failed, the second trade confirmation instruction is cancellation payment instruction.
Alternatively, the first terminal is mobile terminal, and the second terminal is wireless routing device.
To achieve the above object, the present invention provides another NFC payment, and the method comprising the steps of：The Two terminals receive the NFC trading instructions that first terminal is sent；The second terminal refers to according to NFC transaction Order generation NFC transaction response datas, the NFC transaction response datas identify and merchandised including trade confirmation true Recognize instruction；And the second terminal sends NFC transaction response data to the first terminal.
Alternatively, the second terminal generates the step of NFC transaction response datas according to the NFC trading instructions Suddenly specifically include：The second terminal judges whether that needs are verified according to the NFC trading instructions；And When that need not be verified, the second terminal generation NFC transaction response datas, wherein trade confirmation mark Know instruction trade confirmation success, trade confirmation instruction is payment instruction.
Alternatively, the second terminal judges whether to need the step verified according to the NFC trading instructions Also include after rapid：When needing to be verified, the second terminal generation NFC transaction response datas, its Middle trade confirmation mark instruction is needed to verify, and NFC transaction response data is sent to described first eventually End；The second terminal receives the checking information that the first terminal is sent；And the second terminal is according to institute State checking information to be verified, generation the 2nd NFC transaction response datas.
Alternatively, if the authentication failed, the trade confirmation mark in the 2nd NFC transaction response data Authentication failed is indicated, trade confirmation instruction is cancellation payment instruction；If or it is described be proved to be successful, described second Trade confirmation mark instruction in NFC transaction response datas is proved to be successful, and trade confirmation instruction is payment instruction.
Alternatively, the first terminal is mobile terminal, and the second terminal is wireless routing device.
To achieve the above object, the present invention also proposes a kind of NFC payment mechanisms, and the device includes：NFC leads to Unit is interrogated, for receiving NFC trading instructions by the first connection, described first is connected as NFC connections；The One wireless connection unit, for by the NFC trading instructions by the second linkup transmit to second terminal, and Receive the NFC transaction response datas that the second terminal is sent；And the NFC communication units, be additionally operable to from Trade confirmation instruction is obtained in the NFC transaction response data；The first wireless connection unit, is additionally operable to Instructed by trade confirmation described in first linkup transmit.
Alternatively, the NFC communication units are additionally operable to obtain transaction really in merchandising response data from the NFC Mark is recognized, when the trade confirmation identifies the success of instruction trade confirmation or trade confirmation fails, from the NFC Trade confirmation instruction is obtained in response data of merchandising；When the trade confirmation identifies instruction trade confirmation success, The trade confirmation instruction is payment instruction；When the trade confirmation identifies instruction trade confirmation failure, institute Trade confirmation instruction is stated to cancel payment instruction.
Alternatively, the NFC communication units are additionally operable to when trade confirmation mark instruction needs checking, User's validation information is prompted, and receives the checking information of user's input；The first wireless connection unit It is additionally operable to send the checking information to the second terminal by the described second connection, and receives described the The 2nd NFC transaction response datas that two terminals are sent；The NFC communication units are additionally operable to from described second The second trade confirmation mark, the second trade confirmation mark instruction checking are obtained in NFC transaction response datas Success or authentication failed, and the instruction of the second trade confirmation is obtained in merchandising response data from the 2nd NFC, Instructed by the second trade confirmation described in first linkup transmit；Indicated when second trade confirmation instructs When being proved to be successful, the second trade confirmation instruction is payment instruction；When second trade confirmation refers to When showing authentication failed, the second trade confirmation instruction is cancellation payment instruction.
Alternatively, described device is mobile terminal.
To achieve the above object, the present invention also proposes another NFC payment mechanisms, and the device includes：Second Wireless connection unit, for receiving the NFC trading instructions of first terminal transmission；Payment processes unit, is used for NFC transaction response datas are generated according to the NFC trading instructions, the NFC transaction response data includes Trade confirmation identifies and trade confirmation instruction；And the second wireless connection unit, it is additionally operable to the NFC Transaction response data is sent to the first terminal.
Alternatively, the payment processes unit be additionally operable to according to the NFC trading instructions judge whether to need into Row checking, when that need not be verified, generation NFC transaction response datas, wherein trade confirmation mark refers to Show trade confirmation success, trade confirmation instruction is payment instruction.
Alternatively, the payment processes unit is additionally operable to when needing to be verified, generation NFC transaction responses The mark instruction of data, wherein trade confirmation needs to verify；The second wireless connection unit is additionally operable to will be described NFC transaction response data is sent to the first terminal, and receives the checking information that the first terminal is sent； And the payment processes unit is additionally operable to be verified according to the checking information, generation the 2nd NFC transaction rings Answer data.
Alternatively, when the authentication failed, the trade confirmation mark in the 2nd NFC transaction response data Know instruction authentication failed, trade confirmation instruction is cancellation payment instruction；Or when described be proved to be successful, it is described Trade confirmation mark instruction in 2nd NFC transaction response datas is proved to be successful, and trade confirmation instruction is payment Instruction.
Alternatively, described device is wireless routing device.
NFC payment proposed by the present invention and device, by only including NFC chip without including NFC The first terminal of payment software and only include NFC payment softwares without including NFC chip second terminal carry out Data interaction, a part operation that NFC is paid is respectively completed, this NFC payment is completed so as to coordinate. Both of which is unable to complete independently NFC payments, can substantially reduce the risk of the stolen brush of user's fund, strengthen NFC The security of payment.
Brief description of the drawings
Fig. 1 is a kind of flow chart for NFC payment that first embodiment of the invention proposes；
Fig. 2 is a kind of flow chart for NFC payment that second embodiment of the invention proposes；
Fig. 3 is the first particular flow sheet of step S212 in Fig. 2；
Fig. 4 is second of particular flow sheet of step S212 in Fig. 2；
Fig. 5 is the third particular flow sheet of step S212 in Fig. 2；
Fig. 6 is a kind of flow chart for NFC payment that third embodiment of the invention proposes；
Fig. 7 is a kind of particular flow sheet of step S604 in Fig. 6；
Fig. 8 is a kind of module diagram for NFC payment systems that fourth embodiment of the invention proposes.
Fig. 9 is the module diagram for the first NFC payment mechanism that fifth embodiment of the invention proposes.
Figure 10 is the module diagram for second of NFC payment mechanism that sixth embodiment of the invention proposes.
The realization, functional characteristics and advantage of the object of the invention will be done furtherly referring to the drawings in conjunction with the embodiments It is bright.
Embodiment
In order that technical problems, technical solutions and advantages to be solved are clearer, clear, Below in conjunction with drawings and examples, the present invention will be described in further detail.It should be appreciated that this place is retouched The specific embodiment stated only to explain the present invention, is not intended to limit the present invention.
It should be noted that term " first " in description and claims of this specification and above-mentioned accompanying drawing, " second " etc. is for distinguishing similar object, without for describing specific order or precedence.
As shown in figure 1, first embodiment of the invention proposes a kind of NFC payment, applied to whole by first In the NFC payment systems of end and second terminal composition.The first terminal be mobile phone, smart phone, Notebook computer, digit broadcasting receiver, PDA (personal digital assistant), PAD (tablet personal computer) etc. are mobile Terminal.The second terminal is the wireless routing devices such as portable router.This method comprises the following steps：
S100, first terminal are connected to second terminal.
Specifically, the first terminal includes the first wireless connection unit, can pass through the first wireless connection list Member is connected to the second terminal.In the present embodiment, it can be NFC that the connection of the first wireless connection unit, which is, Connection or other wireless connections, such as WIFI connections.
S102, when user is being paid using first terminal on NFC Cash collecting equipments, the first terminal connects Receive NFC trading instructions.
Specifically, the first terminal also includes NFC communication units.The NFC communication units can be NFC Chip.When user is attempting to pay on NFC Cash collecting equipments, the NFC communication units are connected by NFC NFC trading instructions are received from the NFC Cash collecting equipments.The NFC Cash collecting equipments can be NFC cashing machines, NFC automatic vending machines, NFC card-reading apparatus etc..
The NFC trading instructions are sent to second terminal by S104, first terminal.
Specifically, first terminal sends the NFC trading instructions by the first wireless connection unit.First eventually The NFC trading instructions can be encapsulated as NFC transaction request messages by end, retransmit to second terminal.
S106, second terminal receives the NFC trading instructions, and generates NFC according to the NFC trading instructions Response data.
Specifically, the second terminal includes the second wireless connection unit and payment processes unit.This is second wireless Connection unit receives the NFC trading instructions, and the payment processes unit generates NFC according to the NFC trading instructions Response data.The NFC response datas include trade confirmation mark and trade confirmation instruction.The payment processes NFC transaction response data can be encapsulated as NFC transaction response messages by unit.The payment processes unit Can be NFC payment softwares.
The NFC response datas are sent to first terminal by S108, second terminal.
Specifically, second terminal sends the NFC response datas by the second wireless connection unit.
S110, first terminal receive the NFC response datas, and by the trade confirmation in the NFC response datas Instruction is sent to NFC Cash collecting equipments.
Specifically, first terminal receives the NFC response datas by the first wireless connection unit, and passes through The NFC communication units obtain the instruction of NFC trade confirmations from the NFC response datas, and the NFC is merchandised Confirm that instruction is sent to NFC Cash collecting equipments.
The NFC payment that the present embodiment proposes, by the interaction between first terminal and second terminal, The part operation that NFC is paid is respectively completed in first terminal and second terminal, makes the first terminal and the Two terminals, which coordinate, completes this NFC payment, so as to enhance the security of NFC payments.
As shown in Fig. 2 second embodiment of the invention proposes a kind of NFC payment, applied to whole by first In end.The first terminal be mobile phone, smart phone, notebook computer, digit broadcasting receiver, The mobile terminals such as PDA, PAD.This method comprises the following steps：
S200, first terminal are connected to second terminal.
Specifically, the first terminal includes the first wireless connection unit, can pass through the first wireless connection list Member is connected to the second terminal.In the present embodiment, the connection of the first wireless connection unit can be NFC Connection or other wireless connections, such as WIFI connections.
S202, when user is being paid using first terminal on NFC Cash collecting equipments, the first terminal connects Receive NFC trading instructions.
Specifically, the first terminal also includes NFC communication units.The NFC communication units can be NFC Chip.When user is attempting to pay on NFC Cash collecting equipments, the NFC communication units are connected by NFC NFC trading instructions are received from the NFC Cash collecting equipments.
S204, first terminal send the NFC trading instructions to second terminal.
Specifically, the NFC trading instructions can be encapsulated as NFC transaction request messages by first terminal, then The NFC transaction request messages are sent to second terminal.The form of the NFC transaction requests message is agreement Sign, total length, type of message, NFC trading instructions length, NFC trading instructions content and verification and.
Wherein, in the present embodiment, the agreement is denoted as 0XDE00, and the total length is total for the message Length, the type of message are NFC transaction request messages, and the NFC trading instructions length is handed over for NFC The byte number of easy content, the concrete condition generation of this transaction request according to the NFC trading instructions content, It is described to verify and to be generated according to total length.
First terminal sends the NFC transaction request messages by the first wireless connection unit.Message transmissions can So that protection is encrypted with WIFI network key, can also consult to carry out secondary encryption.
S208, first terminal receive the NFC transaction response datas that second terminal is sent.
Specifically, the NFC transaction response data includes trade confirmation mark and trade confirmation instruction.Second NFC transaction response data can be encapsulated as NFC transaction response messages by terminal, then hand over the NFC Easy response message is sent to first terminal.The form of the NFC transaction response message is agreement sign, overall length In degree, type of message, error code (trade confirmation mark), trade confirmation command length, trade confirmation instruct Hold and verification and.
Wherein, in the present embodiment, the agreement is denoted as 0XDE01, and the total length is total for the message Length, the type of message are that NFC merchandises response message, the error code for " trade confirmation success " or Person's " trade confirmation failure " or " need to verify ", the trade confirmation command length is that NFC transaction is true Recognize the byte number of content, the concrete condition generation of this trade confirmation according to the trade confirmation command content, It is described to verify and to be generated according to total length.
First terminal receives NFC transaction response messages by the first wireless connection unit.
S210, first terminal obtain trade confirmation mark in merchandising response data from the NFC.
Specifically, first terminal according to the NFC merchandise response message in total length calculate verification and.If The verification that is calculated and with the verification of end of message and inconsistent, illustrate data invalid, the message should be lost Abandon, this Fail Transaction.If the verification being calculated and the verification with end of message with it is consistent, illustrate report Literary data are complete, then extract error code in merchandising response message from the NFC, that is, obtain trade confirmation mark.
S212, first terminal perform corresponding delivery operation according to the trade confirmation of acquisition mark.
Specifically, trade confirmation mark includes " trade confirmation success ", " trade confirmation failure " or " needed Verify ".
If trade confirmation mark is " trade confirmation success " or " trade confirmation failure ", first terminal from this Trade confirmation instruction is obtained in NFC transaction response datas, and trade confirmation instruction is single by NFC communications Member is sent to NFC Cash collecting equipments.When trade confirmation mark is " trade confirmation success ", the trade confirmation Instruct as payment instruction.When trade confirmation mark is " trade confirmation failure ", trade confirmation instruction is Cancel payment instruction.
If trade confirmation mark is " needing to verify ", first terminal prompting user's validation information, and will The checking information is sent to second terminal and verified, completes to pay if being proved to be successful, if authentication failed Cancel and paying.
As shown in fig.3, the first particular flow sheet for step S212 in Fig. 2.
S312, when trade confirmation mark is " trade confirmation success ", first terminal is merchandised from the NFC to be rung Answer and trade confirmation instruction is obtained in data.
Specifically, now trade confirmation instruction is payment instruction.
Trade confirmation instruction is sent to NFC Cash collecting equipments by S314, first terminal, completes to pay.
Specifically, first terminal sends the trade confirmation by NFC communication units and instructed.
As shown in fig.4, second of particular flow sheet for step S212 in Fig. 2.
S412, when trade confirmation mark is " needing to verify ", first terminal prompting user input validation letter Breath.
Specifically, the trade confirmation, which is identified as " needing to verify ", includes two kinds of situations, is respectively " to need Password authentification " or " needing bio-identification to verify ".When trade confirmation is identified as " needing password authentification ", User is prompted to input password.When trade confirmation is identified as " needing bio-identification to verify ", prompt user defeated Enter biometric feature information.
S414, first terminal receive the checking information of user's input.
Specifically, first terminal receives the password or biometric feature information of user's input.
S416, first terminal send the checking information to second terminal.
Specifically, the checking information can be encapsulated as NFC checking request messages by first terminal, then should NFC checking request messages are sent to second terminal.The form of the NFC checking requests message be agreement sign, Total length, type of message, Authentication-Type, NFC checking informations length, NFC checking informations content and verification With.
Wherein, in the present embodiment, the agreement is denoted as 0XDE02, and the total length is total for the message Length, the type of message are NFC checking request messages, and the Authentication-Type is password authentification or biology Identification checking, the NFC checking informations length be NFC checking information contents byte number, the NFC The concrete condition generation of this checking request, described to verify and for according to total length according to checking information content Generation.
First terminal sends the NFC checking request messages by the first wireless connection unit.
S420, first terminal receive the 2nd NFC transaction response datas that second terminal is sent.
Specifically, the 2nd NFC transaction response data includes the second trade confirmation mark and the second transaction is true Recognize instruction.2nd NFC transaction response data can be encapsulated as the 2nd NFC transaction response reports by second terminal Text, the 2nd NFC transaction response messages are then sent to first terminal.First terminal is wireless by first Connection unit receives the 2nd NFC transaction response messages.
S422, first terminal obtain the second trade confirmation mark in merchandising response data from the 2nd NFC.
Specifically, first terminal according to the 2nd NFC merchandise response message in total length calculate verification and. If the verification that is calculated and with the verification of end of message and inconsistent, illustrate data invalid, this should be reported Text abandons, this Fail Transaction.If the verification being calculated and the verification with end of message with it is consistent, say Bright message data is complete, then from the 2nd NFC merchandise response message in extract error code, that is, obtain this second Trade confirmation identifies.The error code (the second trade confirmation mark) can include " being proved to be successful " or " test Card failure ".
S424, first terminal obtain the instruction of the second trade confirmation in merchandising response data from the 2nd NFC.
Specifically, when second trade confirmation mark is " being proved to be successful ", second trade confirmation refers to Make as payment instruction.When second trade confirmation mark is " authentication failed ", second trade confirmation Instruct to cancel payment instruction.
Second trade confirmation instruction is sent to NFC Cash collecting equipments by S426, first terminal.
Specifically, first terminal sends the trade confirmation by NFC communication units and instructed.When the trade confirmation Instruct for payment instruction when, the NFC Cash collecting equipments complete this payment.When trade confirmation instruction is cancellation During payment instruction, the NFC Cash collecting equipments cancel this payment, that is, pay failure.
As shown in fig.5, the third particular flow sheet for step S212 in Fig. 2.
S512, when trade confirmation mark is " trade confirmation failure ", first terminal is merchandised from the NFC to be rung Answer and trade confirmation instruction is obtained in data.
Specifically, now trade confirmation instruction is cancellation payment instruction.
Trade confirmation instruction is sent to NFC Cash collecting equipments, cancels and paying by S514, first terminal.
Specifically, first terminal sends the trade confirmation by NFC communication units and instructed.
As shown in fig. 6, third embodiment of the invention proposes a kind of NFC payment, applied to whole by second In end.The second terminal is the wireless routing devices such as portable router.This method comprises the following steps：
S600, second terminal are established with first terminal and connected.
Specifically, the second terminal includes the second wireless connection unit, can pass through the second wireless connection list First wireless connection unit of member and first terminal, which is established, to be connected.In the present embodiment, second wireless connection Connection between unit and the first wireless connection unit can be NFC connections or other wireless connections, such as WIFI connections.
S602, second terminal receive the NFC trading instructions that first terminal is sent.
Specifically, the NFC trading instructions can be encapsulated as NFC transaction request messages by first terminal, then The NFC transaction request messages are sent to second terminal.The form of the NFC transaction requests message is agreement Sign, total length, type of message, NFC trading instructions length, NFC trading instructions content and verification and.
Wherein, in the present embodiment, the agreement is denoted as 0XDE00, and the total length is total for the message Length, the type of message are NFC transaction request messages, and the NFC trading instructions length is handed over for NFC The byte number of easy content, the concrete condition generation of this transaction request according to the NFC trading instructions content, It is described to verify and to be generated according to total length.
Second terminal receives the NFC transaction request messages by the second wireless connection unit.Message transmissions can So that protection is encrypted with WIFI network key, can also consult to carry out secondary encryption.
S604, second terminal generates NFC transaction response datas according to the NFC trading instructions, and sends extremely First terminal.
Specifically, second terminal also includes payment processes unit, and the payment processes unit can be NFC branch Pay software.The NFC transaction request messages that the payment processes unit resolves receive, school is calculated according to total length Test and.If the verification that is calculated and with the verification of end of message and inconsistent, illustrate data invalid, should The packet loss.If the verification that is calculated and with the verification of end of message and consistent, illustrate message number According to complete.Payment processes unit extracts NFC trading instructions from the NFC transaction request messages, according to this NFC trading instructions generation NFC transaction response datas.The NFC transaction response data includes trade confirmation Mark and trade confirmation instruction.NFC transaction response data can be encapsulated as NFC by the payment processes unit Transaction response message.
The form of the NFC transaction response message is agreement sign, total length, type of message, error code (are handed over Easily confirm mark), trade confirmation command length, trade confirmation command content and verification and.
Wherein, in the present embodiment, the agreement is denoted as 0XDE01, and the total length is total for the message Length, the type of message are that NFC merchandises response message, the error code for " trade confirmation success " or Person's " trade confirmation failure " or " needing to verify ", the trade confirmation command length are that NFC transaction is true Recognize the byte number of content, the concrete condition generation of this trade confirmation according to the trade confirmation command content, It is described to verify and to be generated according to total length.
When the verification being calculated and with the verification of end of message and it is inconsistent when, the payment processes unit is direct Set trade confirmation to instruct to cancel payment instruction, error code (trade confirmation mark) is set for " transaction is true Recognize unsuccessfully ", and encapsulate NFC transaction response messages.Second terminal will be according to NFC transaction response data envelopes The NFC transaction response messages of dress are sent to first terminal by the second wireless connection unit.
A kind of as shown in fig.7, particular flow sheet for step S604 in Fig. 6.
S704, second terminal judge whether that needs are verified according to the NFC trading instructions.If desired carry out Checking, then perform step S710-714.If need not be verified, step S708 is performed.
Specifically, the NFC transaction request messages that the payment processes unit resolves receive, according to total length meter Calculate verification and.If the verification that is calculated and with the verification of end of message and consistent, illustrate that message data is complete Whole, payment processes unit extracts NFC trading instructions from the NFC transaction request messages.
Whether included in the content of the NFC trading instructions needs to carry out password authentification or bio-identification checking Information and dealing money.If the presentation of information need not be verified, although or presentation of information needs Checking, but dealing money is less than or equal to exempt from close payment, then and payment processes unit judges need not be tested Card.If the presentation of information needs to verify, and dealing money is more than and exempts from close payment, then payment processes list Member judges that needs are verified.
S708, second terminal generation NFC transaction response datas, wherein trade confirmation are identified as " trade confirmation Success ", and NFC transaction response data is sent to first terminal.
Specifically, it is payment instruction that the payment processes unit, which sets trade confirmation to instruct, sets error code (to hand over Easily confirm mark) it is " trade confirmation success ", and it is encapsulated as NFC transaction response messages.This is second wireless Connection unit sends NFC transaction response messages to first terminal.
S710, second terminal generation NFC transaction response datas, wherein trade confirmation are identified as " needing to verify ", And NFC transaction response data is sent to first terminal.Specifically, the payment processes unit sets mistake Code (trade confirmation mark) is " needing to verify ", encapsulation NFC transaction response messages.The error code is " needing to verify " includes two kinds of situations, is respectively " needing password authentification " or " to need bio-identification to test Card ".The second wireless connection unit sends NFC transaction response messages to first terminal.
S712, second terminal receive the checking information that first terminal is sent.
Specifically, the checking information can be encapsulated as NFC checking request messages by first terminal, then should NFC checking request messages are sent to second terminal.The form of the NFC checking requests message be agreement sign, Total length, type of message, Authentication-Type, NFC checking informations length, NFC checking informations content and verification With.
Wherein, in the present embodiment, the agreement is denoted as 0XDE02, and the total length is total for the message Length, the type of message are NFC checking request messages, and the Authentication-Type is password authentification or biology Identification checking, the NFC checking informations length be NFC checking information contents byte number, the NFC The concrete condition generation of this checking request, described to verify and for according to total length according to checking information content Generation.
Second terminal receives the NFC checking request messages by the second wireless connection unit.
S714, second terminal are verified according to the checking information, generate the 2nd NFC transaction response datas, It is then forwarded to first terminal.
Specifically, the payment processes unit according to the total length of the NFC checking request messages calculate verification and. If the verification that is calculated and with the verification of end of message and inconsistent, illustrate data invalid, this should be reported Text abandons.If the verification being calculated and the verification with end of message with it is consistent, illustrate that message data is complete. The payment processes unit extracts the checking information from the NFC checking request messages, carry out password authentification or Person's bio-identification is verified.
The 2nd NFC transaction response data includes the second trade confirmation mark and the instruction of the second trade confirmation. 2nd NFC transaction response data can be encapsulated as the 2nd NFC transaction response reports by the payment processes unit Text.2nd NFC transaction response messages are sent to first terminal by the second wireless connection unit.
If the verification that is calculated and with the verification of end of message and inconsistent, the payment processes unit is direct Setting the instruction of the second trade confirmation, setting error code (the second trade confirmation mark) is to cancel payment instruction " authentication failed ", encapsulation the 2nd NFC transaction response messages.If password authentification failure or bio-identification Authentication failed, then it is to cancel payment instruction that the payment processes unit, which sets the second trade confirmation to instruct, is set wrong Error code is " authentication failed ", encapsulates the 2nd NFC transaction response messages.If password authentification success or Bio-identification is proved to be successful, then it is payment instruction that the payment processes unit, which sets the second trade confirmation to instruct, if It is " being proved to be successful " to put error code, encapsulates the 2nd NFC transaction response messages.
In one alternate embodiment, above-mentioned first terminal can be replaced by mobile phone, by portable router generation For above-mentioned second terminal.With reference to specific embodiment, illustrated for overall flow, the flow includes Following steps：
(1) mobile phone is connected to the second wireless connection of Portable wireless router by the first wireless connection unit Unit.
(2) when user intends to buy a clothes for being worth 356 yuan, using the mobile phone in NFC cashing machines On paid, the mobile phone pass through NFC communication units receive NFC trading instructions.
(3) the NFC trading instructions are encapsulated as NFC transaction request messages by mobile phone.
(4) the NFC transaction request messages are sent to the portable router by mobile phone by WIFI network.
(5) portable router receives the NFC transaction request messages, and is solved by payment processes unit Analysis.According to the NFC trading instructions extracted from the NFC transaction request messages, this transaction needs to carry out close Code checking, and 356 yuan of dealing money is then judged as that needs are verified more than close 100 yuan of payment is exempted from.
(6) it is " needing password authentification " that the portable router, which sets error code (trade confirmation mark), Encapsulate NFC transaction response messages and send to mobile phone.
(7) mobile phone receives the transaction response message, extraction error code " needing password authentification ", prompts user Password is inputted, and receives the password of user's input.
(8) password that the mobile phone inputs according to user encapsulates NFC checking request messages, and sends to this just Take formula router.
(9) portable router receives the NFC checking request messages of mobile phone transmission, extracts the password Carry out password authentification.
(10) password authentification success, it is payment instruction that the portable router, which sets the second trade confirmation to instruct, It is " being proved to be successful " to set error code (the second trade confirmation mark), encapsulation the 2nd NFC transaction response reports Text, and send to the mobile phone.
(11) mobile phone receives the 2nd NFC transaction response messages, from the 2nd NFC merchandises response message Extract the payment instruction.
(12) payment instruction is sent to NFC cashing machines by mobile phone, completes to pay.
As shown in figure 8, fourth embodiment of the invention proposes a kind of NFC payment systems, the system includes first Terminal 800 and second terminal 900.The first terminal 800 is mobile phone, smart phone, notebook electricity The mobile terminal such as brain, digit broadcasting receiver, PDA, PAD.The second terminal 900 is portable road By wireless routing devices such as devices.First terminal 800 is established with second terminal 900 by wireless networks such as WIFI Connection, enters row data communication.The system is used to make the first terminal 800 and second terminal 900 coordinate completion NFC is paid, the security that enhancing NFC is paid.
The first terminal 800 is used for when user is being paid on NFC Cash collecting equipments 806, passes through NFC Connection receives NFC trading instructions from NFC Cash collecting equipments 806, and is sent to second terminal 900.Specifically, The NFC trading instructions can be encapsulated as NFC transaction request messages by first terminal 800, retransmit to second Terminal 900.The NFC Cash collecting equipments can be NFC cashing machines, NFC automatic vending machines, NFC readings Card apparatus etc..
The second terminal 900 is used to receive the NFC trading instructions, and is generated according to the NFC trading instructions NFC response datas, it is sent to first terminal 800.Specifically, it is true to include transaction for the NFC response datas Recognize mark and trade confirmation instruction.NFC transaction response data can be encapsulated as NFC by second terminal 900 Transaction response message.
The first terminal 800 is additionally operable to receive the NFC response datas, and by the NFC response datas Trade confirmation instruction is sent to NFC Cash collecting equipments 806.
As shown in figure 9, fifth embodiment of the invention proposes a kind of NFC payment mechanisms.In the 5th embodiment, The NFC payment mechanisms are first terminal 800.The first terminal 800 be mobile phone, smart phone, The mobile terminal such as notebook computer, digit broadcasting receiver, PDA, PAD.
The first terminal 800 is used to receive NFC trading instructions, and is sent to second terminal 900.And The NFC response datas that second terminal 900 is sent are received, and the trade confirmation in the NFC response datas is referred to Order is sent to NFC Cash collecting equipments 806.
The first terminal 800 is except units such as necessary input, output, sensing, storage, control, power supplys Outside, in addition to the first wireless connection unit 802 and NFC communication units 804.The NFC communication units 804 It can be NFC chip.
The first wireless connection unit 802, connected for being established with second terminal 900.In the present embodiment, The connection of the first wireless connection unit 802 can be NFC connections or other wireless connections, such as WIFI Connection.
The NFC communication units 804, for using first terminal 800 in NFC Cash collecting equipments 806 as user On when being paid, NFC trading instructions are received from the NFC Cash collecting equipments 806 by NFC connections.
Specifically, the NFC trading instructions can be encapsulated as NFC transaction requests by NFC communication units 804 Message.The form of the NFC transaction requests message is agreement sign, total length, type of message, NFC friendships Easy command length, NFC trading instructions content and verification and.
Wherein, in the present embodiment, the agreement is denoted as 0XDE00, and the total length is total for the message Length, the type of message are NFC transaction request messages, and the NFC trading instructions length is handed over for NFC The byte number of easy content, the concrete condition generation of this transaction request according to the NFC trading instructions content, It is described to verify and to be generated according to total length.
The first wireless connection unit 802, it is additionally operable to send the NFC trading instructions to second terminal 900.Protection can be encrypted in message transmissions with WIFI network key, can also consult to carry out secondary encryption.
The first wireless connection unit 802, it is additionally operable to receive the NFC transaction sound that second terminal 900 is sent Answer data.
Specifically, the NFC transaction response data includes trade confirmation mark and trade confirmation instruction.Second NFC transaction response data can be encapsulated as NFC transaction response messages by terminal 900, then by the NFC Transaction response message is sent to first terminal 800.The form of NFC transaction response message is agreement sign, Total length, type of message, error code (trade confirmation mark), trade confirmation command length, trade confirmation refer to Make content and verification and.
Wherein, in the present embodiment, the agreement is denoted as 0XDE01, and the total length is total for the message Length, the type of message are that NFC merchandises response message, the error code for " trade confirmation success " or Person's " trade confirmation failure " or " needing to verify ", the trade confirmation command length are that NFC transaction is true Recognize the byte number of content, the concrete condition generation of this trade confirmation according to the trade confirmation command content, It is described to verify and to be generated according to total length.
The NFC communication units 804, it is additionally operable to obtain trade confirmation mark in merchandising response data from the NFC Know, and corresponding delivery operation is performed according to the trade confirmation of acquisition mark.
Specifically, total length of the NFC communication units 804 in NFC transaction response messages calculates verification With.If the verification that is calculated and with the verification of end of message and inconsistent, illustrate data invalid, should be The packet loss, this Fail Transaction.If the verification being calculated and the verification with end of message with it is consistent, Illustrate that message data is complete, then extract error code in merchandising response message from the NFC, that is, obtain trade confirmation Mark.Trade confirmation mark includes " trade confirmation success ", " trade confirmation failure " or " needs to test Card ".
Further, the NFC communication units 804 be additionally operable to when trade confirmation mark be " trade confirmation into During work(", trade confirmation instruction is obtained in merchandising response data from the NFC, is sent to NFC Cash collecting equipments 806, to complete to pay.Now NFC trade confirmations instruction is payment instruction.
Further, the NFC communication units 804 are additionally operable to when trade confirmation mark is that " trade confirmation loses Lose " when, trade confirmation instruction is obtained in merchandising response data from the NFC, is sent to NFC Cash collecting equipments 806, paid with cancelling.Now NFC trade confirmations instruction is cancellation payment instruction.
Further, the NFC communication units 804 are additionally operable to when trade confirmation mark is " needing to verify " When, user's validation information is prompted, and receive the checking information of user's input.
Specifically, the trade confirmation, which is identified as " needing to verify ", includes two kinds of situations, is respectively " to need Password authentification " or " needing bio-identification to verify ".When trade confirmation is identified as " needing password authentification ", User is prompted to input password.When trade confirmation is identified as " needing bio-identification to verify ", prompt user defeated Enter biometric feature information.
The checking information can be encapsulated as NFC checking request messages by NFC communication units 804.The NFC The form of checking request message is agreement sign, total length, type of message, Authentication-Type, NFC checking letters Cease length, NFC checking informations content and verification and.
Wherein, in the present embodiment, the agreement is denoted as 0XDE02, and the total length is total for the message Length, the type of message are NFC checking request messages, and the Authentication-Type is password authentification or biology Identification checking, the NFC checking informations length be NFC checking information contents byte number, the NFC The concrete condition generation of this checking request, described to verify and for according to total length according to checking information content Generation.
The first wireless connection unit 802 is additionally operable to send the checking information to second terminal 900, receives The 2nd NFC transaction response datas that second terminal 900 is sent.
Specifically, the first wireless connection unit 802 sends the NFC checking request messages after encapsulation to second Terminal 900 is verified.Second terminal 900 feeds back the 2nd NFC transaction response datas.2nd NFC Response data of merchandising includes the second trade confirmation mark and the instruction of the second trade confirmation.Second terminal 900 can be with 2nd NFC transaction response data is encapsulated as the 2nd NFC transaction response messages, then by the 2nd NFC Transaction response message is sent to first terminal 800.
The NFC communication units 804 are additionally operable to obtain the second transaction in merchandising response data from the 2nd NFC Confirm mark.Specifically, overall length of the NFC communication units 804 in the 2nd NFC transaction response messages Degree calculate verification and.If the verification that is calculated and with the verification of end of message and inconsistent, illustrate data It is invalid, should be the packet loss, this Fail Transaction.If the verification that is calculated and with end of message Verification and it is consistent, illustrate that message data is complete, then from the 2nd NFC transaction response message in extract error code, Obtain second trade confirmation mark.The error code (the second trade confirmation mark) can include " testing Demonstrate,prove successfully " or " authentication failed ".
The NFC communication units 804 are additionally operable to obtain the second transaction in merchandising response data from the 2nd NFC Confirm instruction, second trade confirmation instruction is sent to NFC Cash collecting equipments 806.Specifically, when described When second trade confirmation mark is " being proved to be successful ", second trade confirmation instruction is payment instruction.Work as institute The second trade confirmation mark is stated when being " authentication failed ", second trade confirmation instruction is cancels payment instruction.
As shown in Figure 10, sixth embodiment of the invention proposes a kind of NFC payment mechanisms.In sixth embodiment In, the NFC payment mechanisms are second terminal 900.The second terminal 900 is portable router etc. Wireless routing device.
The second terminal 900 is used to receive NFC trading instructions, and is generated according to the NFC trading instructions NFC response datas, it is sent to first terminal 800.
The second terminal 900 is also wrapped in addition to necessary WAN units for Internet communications etc. Include the second wireless connection unit 902 and payment processes unit 904.The payment processes unit 904 can be NFC Payment software.
The second wireless connection unit 902, connected for being established with first terminal 800, receive first terminal The 800 NFC trading instructions sent.The NFC trading instructions can be encapsulated as NFC by first terminal 800 Transaction request message, the NFC transaction request messages are then sent to second terminal 900.Message transmissions can So that protection is encrypted with WIFI network key, can also consult to carry out secondary encryption.In the present embodiment, Connection between the second wireless connection unit 902 and the first wireless connection unit can be NFC connections or its His wireless connection, such as WIFI connections.
Specifically, the form of the NFC transaction requests message be agreement sign, total length, type of message, NFC trading instructions length, NFC trading instructions content and verification and.
Wherein, in the present embodiment, the agreement is denoted as 0XDE00, and the total length is total for the message Length, the type of message are NFC transaction request messages, and the NFC trading instructions length is handed over for NFC The byte number of easy content, the concrete condition generation of this transaction request according to the NFC trading instructions content, It is described to verify and to be generated according to total length.
The payment processes unit 904, for generating NFC transaction response datas according to the NFC trading instructions.
Specifically, the NFC transaction request messages that the payment processes unit 904 parsing receives, according to overall length Degree calculate verification and.If the verification that is calculated and with the verification of end of message and inconsistent, illustrate data It is invalid, should be the packet loss.If the verification that is calculated and with the verification of end of message and consistent, say Bright message data is complete.Payment processes unit 904 extracts NFC transaction from the NFC transaction request messages Instruction, NFC transaction response datas are generated according to the NFC trading instructions.The NFC transaction response data Including trade confirmation mark and trade confirmation instruction.The payment processes unit 904, which can merchandise the NFC, to be rung Data are answered to be encapsulated as NFC transaction response messages.
The form of the NFC transaction response message is agreement sign, total length, type of message, error code (are handed over Easily confirm mark), trade confirmation command length, trade confirmation command content and verification and.
Wherein, in the present embodiment, the agreement is denoted as 0XDE01, and the total length is total for the message Length, the type of message are that NFC merchandises response message, the error code for " trade confirmation success " or Person's " trade confirmation failure " or " needing to verify ", the trade confirmation command length are that NFC transaction is true Recognize the byte number of content, the concrete condition generation of this trade confirmation according to the trade confirmation command content, It is described to verify and to be generated according to total length.
When the verification being calculated and with the verification of end of message and it is inconsistent when, the payment processes unit 904 Directly set trade confirmation to instruct to cancel payment instruction, error code (trade confirmation mark) is set " to hand over Easily confirm failure ", and encapsulate NFC transaction response messages.
The second wireless connection unit 902, it is additionally operable to send NFC transaction response data to first eventually End 800.
Further, the payment processes unit 904 is additionally operable to judge whether need according to the NFC trading instructions Verified.
Specifically, whether included in the content of the NFC trading instructions needs to carry out password authentification or biology Identify the information and dealing money of checking.If the presentation of information need not be verified, although or the information Display needs to verify, but dealing money is less than or equal to exempt from close payment, then the payment processes unit 904 is sentenced Break as that need not be verified.If the presentation of information needs to verify, and dealing money is golden more than close payment is exempted from Volume, then the payment processes unit 904 be judged as that needs are verified.
If desired verified, then payment processes unit 904 generates NFC transaction response datas, wherein merchandising Confirmation is identified as " needing to verify ".Specifically, the payment processes unit 904 sets error code (trade confirmation Mark) it is " needing to verify ", encapsulation NFC transaction response messages.The error code is " needing to verify " Including two kinds of situations, it is respectively " needing password authentification " or " needing bio-identification to verify ".
Second wireless connection unit 902 is additionally operable to send NFC transaction response data to first terminal 800, Receive the checking information that first terminal 800 is sent.
Specifically, the checking information can be encapsulated as NFC checking request messages by first terminal 800, then The NFC checking request messages are sent to second terminal 900.The form of the NFC checking requests message is Agreement sign, total length, type of message, Authentication-Type, NFC checking informations length, NFC checking informations Content and verification and.
Wherein, in the present embodiment, the agreement is denoted as 0XDE02, and the total length is total for the message Length, the type of message are NFC checking request messages, and the Authentication-Type is password authentification or biology Identification checking, the NFC checking informations length be NFC checking information contents byte number, the NFC The concrete condition generation of this checking request, described to verify and for according to total length according to checking information content Generation.
Payment processes unit 904 is additionally operable to be verified according to the checking information, generates the 2nd NFC transaction and ring Answer data.
Specifically, the payment processes unit 904 is calculated according to the total length of the NFC checking request messages and verified With.If the verification that is calculated and with the verification of end of message and inconsistent, illustrate data invalid, should be The packet loss.If the verification being calculated and the verification with end of message with it is consistent, illustrate message data Completely.The payment processes unit 904 extracts the checking information from the NFC checking request messages, carries out Password authentification or bio-identification checking.
The 2nd NFC transaction response data includes the second trade confirmation mark and the instruction of the second trade confirmation. 2nd NFC transaction response data can be encapsulated as the 2nd NFC transaction responses by the payment processes unit 904 Message.
If the verification that is calculated and with the verification of end of message and inconsistent, the payment processes unit 904 Directly set the second trade confirmation to instruct to cancel payment instruction, error code (the second trade confirmation mark) is set For " authentication failed ", encapsulation the 2nd NFC transaction response messages.If password authentification failure or biology are known Other authentication failed, then it is to cancel payment instruction that the payment processes unit 904, which sets the second trade confirmation to instruct, It is " authentication failed " to set error code, encapsulates the 2nd NFC transaction response messages.If password authentification into Work(or bio-identification are proved to be successful, then the payment processes unit 904 sets the second trade confirmation to instruct for branch Instruction is paid, it is " being proved to be successful " to set error code, encapsulates the 2nd NFC transaction response messages.
If need not be verified, payment processes unit 904 generates NFC transaction response datas, wherein handing over Easily confirm to be identified as " trade confirmation success ".Specifically, the payment processes unit 904 sets trade confirmation to refer to Make as payment instruction, error code (trade confirmation mark) is set for " trade confirmation is successfully ", and be encapsulated as NFC transaction response messages.
It is worth noting that, in above-mentioned each embodiment, the first terminal only includes NFC communication units (NFC chip), without including payment processes unit (NFC payment softwares).Also, the second terminal Only include payment processes unit, without including NFC communication units.That is, first terminal and second is eventually End only has the partial function that NFC is paid, and is unable to complete independently NFC payments.Need by first eventually Interaction between end and second terminal, it is respectively completed what a NFC was paid in first terminal and second terminal Part operation, this NFC payment is completed so as to coordinate.
Therefore, even if user loses the first terminal or second terminal, other people can not use first end End or second terminal individually complete NFC payments, can substantially reduce the risk of the stolen brush of user's fund, enhancing The security that NFC is paid.
It should be noted that herein, term " comprising ", "comprising" or its any other variant meaning Covering including for nonexcludability, so that process, method, article or dress including a series of elements Putting not only includes those key elements, but also the other element including being not expressly set out, or also including being This process, method, article or the intrinsic key element of device.In the absence of more restrictions, by The key element that sentence "including a ..." limits, it is not excluded that in the process including the key element, method, thing Other identical element in product or device also be present.
Through the above description of the embodiments, those skilled in the art can be understood that above-mentioned reality The mode of required general hardware platform can be added to realize by software by applying a method, naturally it is also possible to by hard Part realizes, but the former is more preferably embodiment in many cases.It is of the invention based on such understanding The part that technical scheme substantially contributes to prior art in other words can be embodied in the form of software product Out, the computer software product is stored in a storage medium (such as ROM/RAM, magnetic disc, CD) In, including some instructions are make it that a station terminal equipment (can be mobile phone, computer, server is empty Adjust device, or network equipment etc.) perform method described in each embodiment of the present invention.
Above by reference to the preferred embodiments of the present invention have been illustrated, not thereby limit to the right model of the present invention Enclose.The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.In addition, though Logical order is shown in flow charts, but in some cases, can be to be held different from order herein The shown or described step of row.
Those skilled in the art do not depart from the scope of the present invention and essence, can have a variety of flexible programs to realize this Invention, it can be used for another embodiment for example as the feature of one embodiment and obtain another embodiment.It is all The all any modification, equivalent and improvement made within technical concept with the present invention, all should be in the present invention Interest field within.

Claims (18)

1. a kind of NFC short-range communications method of payment, it is characterised in that the method comprising the steps of：
First terminal receives NFC trading instructions by the first connection, and described first is connected as NFC connections；
The NFC trading instructions are passed through the second linkup transmit to second terminal by the first terminal；
The first terminal receives the NFC transaction response datas that the second terminal is sent, and passes through described the Trade confirmation instruction in NFC transaction response data described in one linkup transmit.
2. NFC payment according to claim 1, it is characterised in that the first terminal connects Receive the NFC transaction response datas of the second terminal transmission and by NFC described in first linkup transmit Also include between the step of trade confirmation in transaction response data instructs：
Trade confirmation mark is obtained in merchandising response data from the NFC；
When the trade confirmation identifies the success of instruction trade confirmation or trade confirmation fails, the first terminal Trade confirmation instruction is obtained in merchandising response data from the NFC；
When the trade confirmation identifies instruction trade confirmation success, the trade confirmation instruction is payment instruction；
When the trade confirmation identifies instruction trade confirmation failure, the trade confirmation instruction pays to cancel Instruction.
3. NFC payment according to claim 2, it is characterised in that described from the NFC Also include after the step of trade confirmation mark is obtained in transaction response data：
When trade confirmation mark instruction needs checking, the first terminal prompting user input validation letter Breath；
The first terminal receives the checking information of user's input；
The checking information is passed through second linkup transmit to the second terminal by the first terminal；
The first terminal receives the 2nd NFC transaction response datas that the second terminal is sent；
The first terminal obtains the second trade confirmation mark, institute in merchandising response data from the 2nd NFC The mark instruction of the second trade confirmation is stated to be proved to be successful or authentication failed；
The first terminal obtains the instruction of the second trade confirmation in merchandising response data from the 2nd NFC；
The first terminal is instructed by the second trade confirmation described in first linkup transmit；
When second trade confirmation instruction instruction is proved to be successful, the second trade confirmation instruction is payment Instruction；
When second trade confirmation instructs instruction authentication failed, the second trade confirmation instruction is cancellation Payment instruction.
4. NFC payment according to claim 1, it is characterised in that the first terminal is Mobile terminal, the second terminal are wireless routing device.
5. a kind of NFC short-range communications method of payment, it is characterised in that the method comprising the steps of：
Second terminal receives the NFC trading instructions that first terminal is sent；
The second terminal generates NFC transaction response datas, the NFC according to the NFC trading instructions Response data of merchandising includes trade confirmation mark and trade confirmation instruction；And
The second terminal sends NFC transaction response data to the first terminal.
6. NFC payment according to claim 5, it is characterised in that the second terminal root Specifically included according to the step of NFC trading instructions generation NFC transaction response datas：
The second terminal judges whether that needs are verified according to the NFC trading instructions；And
When that need not be verified, the second terminal generation NFC transaction response datas, wherein transaction is true Recognize mark instruction trade confirmation success, trade confirmation instruction is payment instruction.
7. NFC payment according to claim 6, it is characterised in that the second terminal root Judge whether also to include after the step of needs are verified according to the NFC trading instructions：
When needing to be verified, the second terminal generation NFC transaction response datas, wherein trade confirmation Mark instruction is needed to verify, and NFC transaction response data is sent to the first terminal；
The second terminal receives the checking information that the first terminal is sent；And
The second terminal is verified according to the checking information, generates the 2nd NFC transaction response datas.
8. NFC payment according to claim 7, it is characterised in that：
If the authentication failed, the trade confirmation mark instruction checking in the 2nd NFC transaction response data Failure, trade confirmation instruction are cancellation payment instruction；Or
If described be proved to be successful, the trade confirmation mark instruction checking in the 2nd NFC transaction response data Success, trade confirmation instruction is payment instruction.
9. NFC payment according to claim 5, it is characterised in that the first terminal is Mobile terminal, the second terminal are wireless routing device.
10. a kind of NFC short-range communications payment mechanism, it is characterised in that the device includes：
NFC communication units, for receiving NFC trading instructions by the first connection, described first is connected as NFC connections；
First wireless connection unit, for the NFC trading instructions to be passed through into the second linkup transmit to the second end End, and receive the NFC transaction response datas that the second terminal is sent；And
The NFC communication units, it is additionally operable to obtain trade confirmation instruction in merchandising response data from the NFC；
The first wireless connection unit, it is additionally operable to instruct by trade confirmation described in first linkup transmit.
11. NFC payment mechanisms according to claim 10, it is characterised in that：
The NFC communication units are additionally operable to obtain trade confirmation mark in merchandising response data from the NFC, When the trade confirmation identifies the success of instruction trade confirmation or trade confirmation fails, merchandise and ring from the NFC Answer and trade confirmation instruction is obtained in data；
When the trade confirmation identifies instruction trade confirmation success, the trade confirmation instruction is payment instruction；
When the trade confirmation identifies instruction trade confirmation failure, the trade confirmation instruction pays to cancel Instruction.
12. NFC payment mechanisms according to claim 11, it is characterised in that：
The NFC communication units are additionally operable to, when trade confirmation mark instruction needs checking, prompt user Validation information, and receive the checking information of user's input；
The first wireless connection unit is additionally operable to send the checking information to institute by the described second connection Second terminal is stated, and receives the 2nd NFC transaction response datas that the second terminal is sent；
The NFC communication units are additionally operable to obtain the second transaction really in merchandising response data from the 2nd NFC Recognize mark, the second trade confirmation mark instruction is proved to be successful or authentication failed, and from the 2nd NFC The instruction of the second trade confirmation is obtained in transaction response data, passes through the second transaction described in first linkup transmit Confirm instruction；
When second trade confirmation instruction instruction is proved to be successful, the second trade confirmation instruction is payment Instruction；
When second trade confirmation instructs instruction authentication failed, the second trade confirmation instruction is cancellation Payment instruction.
13. NFC payment mechanisms according to claim 10, it is characterised in that described device is shifting Dynamic terminal.
14. a kind of NFC short-range communications payment mechanism, it is characterised in that the device includes：
Second wireless connection unit, for receiving the NFC trading instructions of first terminal transmission；
Payment processes unit, it is described for generating NFC transaction response datas according to the NFC trading instructions NFC transaction response datas include trade confirmation mark and trade confirmation instruction；And
The second wireless connection unit, it is additionally operable to send NFC transaction response data to described first Terminal.
15. NFC payment mechanisms according to claim 14, it is characterised in that：
The payment processes unit is additionally operable to judge whether that needs are verified according to the NFC trading instructions, When that need not be verified, generation NFC transaction response datas, wherein trade confirmation mark instruction is merchandised true Recognize success, trade confirmation instruction is payment instruction.
16. NFC payment mechanisms according to claim 15, it is characterised in that：
The payment processes unit is additionally operable to when needing to be verified, generation NFC transaction response datas, its Middle trade confirmation mark instruction needs to verify；
The second wireless connection unit is additionally operable to send NFC transaction response data to described first eventually End, and receive the checking information that the first terminal is sent；And
The payment processes unit is additionally operable to be verified according to the checking information, generates the 2nd NFC and merchandise Response data.
17. NFC payment mechanisms according to claim 16, it is characterised in that：
When the authentication failed, the trade confirmation mark instruction in the 2nd NFC transaction response data is tested Card failure, trade confirmation instruction are cancellation payment instruction；Or
When described be proved to be successful, the trade confirmation mark instruction in the 2nd NFC transaction response data is tested Demonstrate,prove successfully, trade confirmation instruction is payment instruction.
18. NFC payment mechanisms according to claim 14, it is characterised in that described device is nothing Line routing device.
CN201610377753.3A 2016-05-31 2016-05-31 NFC payment and device Pending CN107451806A (en)

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CN112954677B (en) * 2019-11-27 2022-11-22 中国移动通信有限公司研究院 Password verification method, device, equipment and computer readable storage medium
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