CN107491961B - NFC (near field communication) verification network payment method and device - Google Patents

NFC (near field communication) verification network payment method and device Download PDF

Info

Publication number
CN107491961B
CN107491961B CN201710782298.XA CN201710782298A CN107491961B CN 107491961 B CN107491961 B CN 107491961B CN 201710782298 A CN201710782298 A CN 201710782298A CN 107491961 B CN107491961 B CN 107491961B
Authority
CN
China
Prior art keywords
payment
nfc
payee
password
dimensional code
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Active
Application number
CN201710782298.XA
Other languages
Chinese (zh)
Other versions
CN107491961A (en
Inventor
刘兴丹
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
JIANGSU WOYIN DATA SERVICE Co.,Ltd.
Original Assignee
Jiangsu Woyin Data Service Co ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Jiangsu Woyin Data Service Co ltd filed Critical Jiangsu Woyin Data Service Co ltd
Priority to CN201710782298.XA priority Critical patent/CN107491961B/en
Publication of CN107491961A publication Critical patent/CN107491961A/en
Application granted granted Critical
Publication of CN107491961B publication Critical patent/CN107491961B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Images

Classifications

    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • 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
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification

Abstract

The invention discloses a method and a device for NFC verified network payment, comprising the following steps: a payment two-dimensional code is displayed on a client payment page in a screen of the mobile intelligent device; the scanning equipment of the payee scans and identifies the payment two-dimensional code and sends the generated network payment transaction information to the network payment server; simultaneously, activating the NFC device; the NFC module of the mobile intelligent equipment and the NFC device of the payee carry out mutual authentication, and after the mutual authentication is passed, a password input page is popped out from a payment page of the mobile intelligent equipment; the verification result is randomly divided into two parts, wherein the first part is encrypted and sent to the network payment server by the payee device and the NFC device; the second part is encrypted and sent by the mobile intelligent device to the network payment server; the verification information cannot be cracked through a single device, and the method ensures the safety of the network payment transaction.

Description

NFC (near field communication) verification network payment method and device
Technical Field
The present invention relates to code-scanned payments, and more particularly to code-scanned payments verified by NFC devices.
Background
The existing transfer payment by scanning the two-dimensional code is convenient to use, quick and accurate, and can be widely applied to various fields. The NFC near field communication realizes short-distance communication between the devices, and has the advantages of high speed, low energy consumption and good safety. However, combining code-scanning payment with NFC near field communication, the code-scanning payment transaction will be more secure.
Disclosure of Invention
In order to solve the problems in the prior art, the invention provides a method and a device for network payment by NFC verification.
To achieve the above object, the present invention provides an NFC-verified network payment method, applied to the password input page verified by an NFC device, including:
a payment two-dimensional code is displayed on a client payment page in a screen of the mobile intelligent device;
the scanning equipment of the payee scans and identifies the payment two-dimensional code and sends the generated network payment transaction information to the network payment server; simultaneously, activating the NFC device;
the NFC module of the mobile intelligent equipment and the NFC device of the payee carry out mutual authentication, and after the mutual authentication is passed, a password input page is popped out from a payment page of the mobile intelligent equipment; the verification result is randomly divided into two parts, wherein the first part is encrypted and sent to the network payment server by the payee device and the NFC device; the second part is encrypted and sent by the mobile intelligent device to the network payment server;
the password input page also displays the same network payment transaction information;
inputting a password in the password input page of the mobile intelligent equipment, and sending the password to the network payment server;
the network payment server receives, combines and restores the first part and the second part in the verification result, decrypts and verifies the first part and the second part, and comprises the following steps:
after the password and the decryption and verification information are correct, network payment transaction is carried out;
and the password and the decryption and verification information verify that one of the passwords is incorrect, and the transaction is terminated.
Further, the payment two-dimensional code is provided by a network payment transaction platform and is a two-dimensional code with uniqueness.
Further, an NFC functional module device is integrated in the scanning device of the payee.
When the mobile intelligent device does not have the NFC function module, the password input interface is directly popped up during payment.
Further, the NFC module of the mobile intelligent device fails to verify the NFC device of the payee, and information is sent to a network payment platform to terminate the transaction.
Further, after the NFC module of the mobile smart device passes the authentication, the password may be input in a delayed manner within a specified time; and the money is frozen by the network payment server, and transferred to the account of the payee after the password is input.
Further, the payment two-dimensional code is sent to the payee NFC device by the mobile intelligent device and is verified, and the payment two-dimensional code is sent to the network payment server through the payee device and the NFC device through the network.
Further, an apparatus for NFC-verified internet payment comprising.
Further, the payment two-dimensional code module is used for displaying the payment two-dimensional code on the client payment page in the screen of the mobile intelligent device.
Further, the identification module is used for the scanning device of the payee to scan and identify the payment two-dimensional code and send the generated network payment transaction information to the network payment server; at the same time, the NFC device is activated.
Further, a random encryption verification module is used for mutual verification between the NFC module of the mobile intelligent device and the NFC device of the payee, and after verification is passed, the password input page is popped out from the payment page of the mobile intelligent device; the verification result is randomly divided into two parts, wherein the first part is encrypted and sent to the network payment server by the payee device and the NFC device; and the second part is encrypted and sent by the mobile intelligent device to the network payment server.
Further, the transaction information module is used for displaying the same network payment transaction information on the password input page.
Further, the password input module is configured to input the password in the password input page of the mobile intelligent device, and send the password to the network payment server.
Further, the server verification module is used for receiving, combining and restoring the first part and the second part in the verification result by the network payment server, and performing decryption and verification, including.
And further, the first payment operation module is used for carrying out network payment transaction after the password and the decryption and verification information are verified to be correct.
Further, the second payment operation module is used for verifying that the password and the decryption and verification information are incorrect and terminating the transaction.
Further, the payment two-dimensional code submodule is used for providing the payment two-dimensional code by the network payment transaction platform, and the payment two-dimensional code is a unique two-dimensional code.
Further, an NFC device module is used for integrating an NFC function module device in the scanning device of the payee.
Further, the random encryption verification sub-module is used for directly popping up the password input interface when the mobile intelligent device does not have the NFC function module and pays.
Further, a verification sending module is used for the mobile intelligent device, the NFC module fails to verify the NFC device of the payee, information is sent to a network payment platform, and the transaction is terminated.
Further, the password input sub-module is configured to delay inputting the password within a specified time after the NFC module of the mobile smart device passes the verification; and the money is frozen by the network payment server, and transferred to the account of the payee after the password is input.
And the identification submodule is used for sending the payment two-dimensional code to the NFC device of the payee for verification by the NFC module of the mobile intelligent equipment and sending the payment two-dimensional code to the network payment server through the NFC device and the payee device of the network.
In the embodiment of the invention: and paying through code scanning payment, and carrying out NFC near field communication identification and verification on the payment and receipt equipment in the code scanning payment process. When the mobile intelligent device and the payee device perform transactions within a reasonable range, the NFC near field communication verification can be completed. If the distance interval between the mobile intelligent device of the payer and the payee device is far in the code scanning process, NFC near field communication verification cannot be completed, and the occurrence of embezzlement in the code scanning payment process is effectively prevented. And the NFC near field communication verification result between the mobile intelligent device and the payee device is divided into two parts for transmission, wherein one part is transmitted by the mobile intelligent device of the payer, and the other part is transmitted by the payee device. The verification information cannot be cracked through a single device, and the method ensures the safety of the network payment transaction.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a flowchart of a method for NFC-verified network payment according to an embodiment of the present invention.
Fig. 2 is a flowchart of a method for NFC-verified online payment introduced from the perspective of the payment two-dimensional code according to an embodiment of the present invention.
Fig. 3 is a flowchart of a method for NFC-verified network payment according to an embodiment of the present invention.
Fig. 4 is a flowchart of a method for NFC-verified online payment introduced from the perspective of NFC identification of the payment two-dimensional code according to an embodiment of the present invention.
Fig. 5 is a block diagram of a device for NFC-verified internet payment introduced from the perspective of a page-using device in an embodiment of the present invention.
Fig. 6 is a block diagram of an NFC verified internet payment device introduced from the perspective of the payment two-dimensional code device according to an embodiment of the present invention.
Fig. 7 is a block diagram of an apparatus for NFC-verified internet payment according to an embodiment of the present invention from the perspective of delayed payment.
Fig. 8 is a block diagram of an apparatus for NFC-verified internet payment introduced from the perspective of NFC identification of the payment two-dimensional code according to an embodiment of the present invention.
Detailed Description
In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The embodiment of the application provides an NFC (near field communication) verification network payment method which is applied to the password input page verified by an NFC device. Fig. 1 is a flowchart of a method for NFC-verified online payment according to an embodiment of the present invention.
As shown in fig. 1, the method includes:
s101, the payment two-dimensional code is displayed on the client payment page in the screen of the mobile intelligent device;
and the smart device enters the client payment page and displays the payment two-dimensional code, and the payee scans the payment two-dimensional code and acquires information related to payment verification. Meanwhile, the mobile intelligent device supports the function of code scanning payment. And a two-dimensional code is displayed in the payee equipment, and the mobile intelligent equipment scans the code through a camera to obtain the payment two-dimensional code and inputs the transaction amount. And after the code is scanned, the mobile intelligent equipment starts the NFC module and verifies the NFC module and the NFC device of the payee mutually. And after the password is verified, displaying the password input page in the mobile intelligent equipment. And the client is used for mutual identification and verification between the mobile intelligent equipment and the network payment platform server, and performing password input and network payment transaction.
Specifically, the payment two-dimensional code is displayed in the screen of the mobile phone of the user. And the payment two-dimensional code is sent to a mobile phone by the network payment server, or the mobile phone randomly and dynamically generates the disposable payment two-dimensional code in the client side of the network payment server.
S102, the scanning device of the payee scans and identifies the payment two-dimensional code and sends the generated network payment transaction information to the network payment server; at the same time, the NFC device is activated.
And the code scanning device of the payee scans and identifies the information of the payment two-dimensional code in the mobile intelligent device through a camera, and sends the scanned information and the network payment transaction information to the network payment server platform for verification. Meanwhile, an NFC device is integrated in the scanning device of the payee, and the NFC device is used for identifying the NFC module in the mobile intelligent device. And the NFC device is activated and started when scanning and identifying the payment two-dimensional code, and carries out NFC near field communication identification and verification with the NFC device of the payee within a reasonable range.
Specifically, the payee code scanning device scans the two-dimensional code of the payer, and sends the two-dimensional code to the network payment server in combination with the transaction information generated by the payee. And when the code is scanned, the NFC device is started in the equipment of the payee. Further comprising: after the mobile intelligent equipment provides mutual authentication of the NFC devices of the payee sides, the payee sides send authentication results to the network payment server, the network payment server sends encryption instructions to the mobile intelligent equipment, and the mobile intelligent equipment opens the password input page after decryption.
S103, the NFC module of the mobile intelligent device and the NFC device of the payee carry out mutual authentication, and after the mutual authentication is passed, the password input page is popped out from a payment page of the mobile intelligent device; the verification result is randomly divided into two parts, wherein the first part is encrypted and sent to the network payment server by the payee device and the NFC device; the second part is encrypted and sent by the mobile intelligent device to the network payment server;
and when the code scanning of the payee is successful, an NFC device is automatically started, the NFC module in the mobile intelligent equipment is verified by the NFC device, and after the mutual verification is passed, the password input page is popped out from the screen page of the mobile intelligent equipment and is used for inputting the network payment password. Further comprising: and the NFC device of the payee sends the verification result to the network payment platform for verification, and the network payment platform server receives the verification result of the NFC device and the payment two-dimensional code. And after the verification is passed, the mobile intelligent equipment receives the verification result and opens the password input page. In addition, the payee is the mobile intelligent device, and the mobile intelligent device of the user and the mobile intelligent device of the payee perform mutual authentication through the NFC module. And the mobile intelligent equipment and the NFC device in the payee equipment are mutually verified through the encryption and decryption algorithm and through NFC near field communication verification, a correct conclusion is obtained after the verification is passed, and the client in the mobile intelligent equipment starts the password payment page.
Further comprising: after NFC near field communication verification, a verification result is randomly divided into two parts, wherein one part is encrypted and sent to the network payment server by the payee device or the NFC device, and the other part is encrypted and sent to the network payment server by the mobile intelligent device. And the network payment server combines the results of the two and then decrypts the combined result. And obtaining a verification result, and performing network payment transaction according to the verification result. The distribution of the verification information is irregular, and the verification information can be encrypted after being separated, or can be randomly separated after being encrypted. The verification result is divided into two parts which can be identified by one of the payee or the mobile intelligent device. And the network payment server randomly generates an allocation scheme and sends the allocation scheme to the payee equipment or the mobile intelligent equipment, and the two equipment allocate the verification result according to the allocation scheme.
Specifically, after the NFC module in the mobile phone and the NFC device of the payee are mutually verified, the password input page is popped up in the payment page. And the result of mutual authentication between the NFC module in the mobile phone and the NFC device of the payee is automatically and randomly divided into two parts after encryption, wherein one part is sent to the NFC device equipment of the payee, and the other part is sent to the mobile phone. The two devices send the acquired information to the network payment server through the network of the devices for synthesis and decryption. The random distribution can be carried out by the payee device or the mobile phone, and the distribution of the verification result information is carried out by the related program at random.
S104, the password input page also displays the same network payment transaction information;
and the network payment transaction information generated in the payee code scanning equipment is sent to the network payment server by the network for verification after the payment two-dimensional code is scanned. Wherein, still include: and the network payment transaction information is sent to the network payment server together, and the network payment server sends the network payment transaction information to the mobile intelligent equipment to be displayed in the password input page. Further comprising: the network payment transaction information is an independent page, and after being checked and clicked by a user, the user enters the password input page.
Specifically, the transaction information of the network payment is displayed in the password input page, and the transaction information includes: the name of the payee, the amount of the received payment, the payment mode and other information.
S105, inputting the password in the password input page of the mobile intelligent device, and sending the password to the network payment server;
and inputting the password in the password input page, sending the password to the network payment server through the mobile intelligent equipment for verification, performing network payment operation if the password is input correctly, and terminating network payment if the password is input incorrectly.
Specifically, the method and the device are used for checking the transaction information in the password input page of the mobile phone, and inputting the password in the password input page after confirmation. And sending the information to the network payment server through the network for verification.
S106, the network payment server receives, combines and restores the first part and the second part in the verification result, and performs decryption and verification, wherein the decryption and verification comprise the following steps:
s107, after the password, the decryption information and the verification information are correct, network payment transaction is carried out;
s108, the password and the decryption and verification information verify that one of the passwords is incorrect, and the transaction is terminated.
The network payment server needs to combine and restore the first part and the second part of the verification result sent by the payee device, the NFC device and the mobile intelligent device, and correct information content is obtained through decryption. The password is sent to the network payment server by the mobile intelligent device in an encrypted mode.
Specifically, the mobile phone encrypts the password through the client software and sends the encrypted password to the network payment server for decryption. And the formula for decryption is divided into a symmetric encryption algorithm, an asymmetric encryption algorithm and a decryption algorithm, and the algorithm formulas are respectively stored in the payee device and the mobile intelligent device and the network payment server.
In summary, the payee device scans the payment two-dimensional code in the payer mobile smart device, and sends the payment two-dimensional code and the network payment transaction information to the network payment platform together. And after the scanning is successful, the NFC device of the payee is automatically started, the NFC module in the mobile intelligent equipment is verified, and after the verification is passed, the password input page is popped up and displayed in the mobile intelligent equipment. And displaying the payment amount and the user name of the payee displayed in the password input page for a user to check, confirming and inputting the password, sending the password to the network payment server for verification, and only performing network payment transaction after the verification is passed.
Please refer to fig. 2, which is a flowchart illustrating a method for NFC-verified online payment according to an embodiment of the present invention from the perspective of the two-dimensional payment code.
As shown in fig. 2, the method includes:
s201, the payment two-dimensional code is provided by a network payment transaction platform and is a two-dimensional code with uniqueness.
The payment two-dimensional code is a code which is unique in the whole network, and has certain timeliness, and the payment two-dimensional code can be invalid beyond time. And then updating the payment two-dimension code into a new payment two-dimension code in the mobile intelligent equipment. And the payment two-dimensional code corresponds to the mobile intelligent equipment, and a specific certain mobile intelligent equipment can be identified through the payment two-dimensional code. And further verifying the correctness of the password through the intelligent device.
Specifically, the payment two-dimensional code is provided by the network payment server, the user is networked with the mobile phone, enters the network payment transaction server, opens the client through the corresponding client downloaded from the corresponding network payment transaction server, and displays and receives the one-time payment two-dimensional code. The payment two-dimensional code can be received in a short message mode.
S202, an NFC functional module device is integrated in the scanning device of the payee.
S203, when the mobile intelligent device does not have the NFC function module, the password input interface is directly popped up during payment.
The scanning device of the payee can scan and read the two-dimensional code, and an NFC device is integrated in the device. And starting the scanning equipment, automatically starting the NFC device after the scanning equipment is successfully scanned, and mutually identifying and verifying the NFC modules of the mobile intelligent equipment in the identification area range.
When the scanning device of the payee does not have an NFC device, or the mobile intelligent device does not have the NFC module, or the payment two-dimensional code is acquired in a code scanning mode. And on the premise of not carrying out NFC near field communication verification, the password input page can be popped up. That is to say, the NFC device of the payee has a certain compatibility when the mobile smart device performs the network payment.
Specifically, an NFC device is integrated in the scanning device of the payee, and the NFC device is used for performing communication verification with the NFC module in the mobile phone of the user. When the NFC module is not installed in the mobile phone, the payment two-dimensional code in the mobile phone is directly scanned through the payee device, and the user mobile phone directly pops up the password input page for inputting the password. In this process, the process of NFC near field communication authentication is lacked.
In summary, the payment two-dimensional code is a unique two-dimensional code, and the two-dimensional code is generated by the network payment server and sent to the mobile intelligent device. Or, receiving and generating the relevant two-dimensional code in the client through network payment downloaded by the mobile intelligent device. And, in the payee code scanning device, an NFC device is integrated. The NFC module is used for identifying the NFC module in the mobile intelligent device. And if the payee or the user is in the mobile intelligent equipment, one party is provided with an NFC near field communication function. And in the process of popping up the password input page, the NFC near field communication verification is not carried out. But directly pops up the password input page.
Fig. 3 is a flowchart of a method for NFC-verified network payment according to an embodiment of the present invention, which is introduced from the perspective of delayed payment.
As shown in fig. 3, the method includes:
s301, the NFC module of the mobile intelligent device fails to verify the NFC device of the payee, and information is sent to a network payment platform to terminate the transaction;
s302, after the NFC module of the mobile intelligent device passes the verification, the password can be input in a delayed mode within a set time; and the money is frozen by the network payment server, and transferred to the account of the payee after the password is input.
And the verification of the NFC module of the mobile intelligent equipment and the NFC device of the payee fails in the verification process. At this time, a virus may exist in the mobile intelligent device, or the payee device is an untrusted device. And as long as the verification fails, the mobile intelligent equipment sends a verification failure result to the network payment server, and the network payment server automatically terminates the network payment transaction. And after the mobile intelligent equipment and the NFC device of the payee pass the verification, the network payment server sends related confirmation information to the mobile intelligent equipment for confirmation, and after the confirmation, the network payment transaction is executed. And allowing the mobile intelligent equipment to input the password in a delayed mode within a specified time. After the user inputs the password, the network payment server transfers the frozen money into the account of the payee to complete the network payment transaction. Further comprising: when the user cancels the payment transaction, a request is submitted to the network payment server and is transmitted to the payee through the network payment server. And the implementation can be realized only after the receiving party agrees. For disputed network payments, the user may propose to perform a further deferred payment operation on the payment terms blocked by the network payment server.
Specifically, the NFC module of the user's mobile phone is used for authentication with the NFC device of the payee. And if the verification fails, the mobile phone sends the result of the verification failure to the network payment server, and the network payment server receives the verification failure information sent by the user and terminates the network payment transaction. And after the NFC module of the mobile phone and the NFC device of the payee pass the verification, the mobile phone and the payee send a verification success message to the network payment server through the network for verification and comparison. And after the mutual verification of the equipment of the payee and the network payment server is successful, the network payment server carries out network payment. And the mobile phone user can complete the password input within a limited time. Funds will be blocked by the network payment server before the password is entered. The frozen money is transferred to the payee's account only after the password is entered within a prescribed time. The delayed payment can realize network payment transaction, and effectively prevent fraud or play a role in preventing fraud to a certain extent.
In summary, after mutual authentication between the NFC device of the payee and the NFC module in the mobile smart device fails, the mobile smart device serving as the payer sends an NFC near-field communication authentication failure result to the network payment server, and the network payment server receives the message and terminates the network payment transaction, thereby ensuring the property safety of the user of the payer. And if the verification is passed, the network payment server freezes the corresponding funds in the mobile intelligent device, and the user inputs the password within the specified time. The network payment server transfers the money to the account of the payee, and the user can pay in a delayed way within the set time. Meanwhile, the payee account is provided with a bound account in the network payment server platform, or a collection account is actively provided to the network payment server.
Please refer to fig. 4, which is a flowchart illustrating a method for NFC verified internet payment introduced from the perspective of NFC identification of the payment two-dimensional code according to an embodiment of the present invention.
As shown in fig. 4, the method includes:
s402, the payment two-dimensional code is sent to the payee NFC device by the NFC module of the mobile intelligent device for verification, and is sent to the network payment server through the payee device and the NFC device through the network.
The mobile intelligent device integrated with the NFC module sends the payment two-dimensional code to the NFC device of the payee through the NFC module, and the payment two-dimensional code is sent to the mobile network payment server by the equipment of the payee. And the network payment server verifies the received payment two-dimensional code and sends the received payment information to the mobile intelligent equipment for the user to verify before payment.
Specifically, the payment two-dimensional code in the mobile phone of the user is sent to the NFC device of the payee through the NFC module. And after receiving the payment two-dimensional code, the payee NFC device directly forwards the payment two-dimensional code or sends the payment two-dimensional code to the network payment server by the payee equipment. And the network payment server sends the transaction information corresponding to the payment two-dimensional code to a user mobile phone for verification.
In summary, the payment two-dimensional code information in the mobile smart device is sent to the payee NFC apparatus by the NFC module in the mobile smart device. And the payee receives the payment two-dimensional code and sends the received payment two-dimensional code and transaction payment information to the network payment server through the network for verification. The payee NFC device may receive the information and send the information out over the internet. Or after receiving the payment two-dimensional code, the payee device sends information to the network payment server. In this process, the NFC device of the payee has a network communication function.
Referring to fig. 5, a block diagram of an apparatus for NFC-verified online payment according to an embodiment of the present invention is introduced from the perspective of a page use apparatus.
As shown in fig. 5, the apparatus includes:
the payment two-dimensional code module 501 is configured to display the payment two-dimensional code on the client payment page in the screen of the mobile smart device;
the identification module 502 is configured to scan and identify the payment two-dimensional code by the scanning device of the payee, and send the generated network payment transaction information to the network payment server; at the same time, the NFC device is activated.
A random encryption verification module 503, configured to perform mutual verification between the NFC module of the mobile smart device and the payee NFC device, and after the mutual verification is passed, pop up the password input page in a payment page of the mobile smart device; the verification result is randomly divided into two parts, wherein the first part is encrypted and sent to the network payment server by the payee device and the NFC device; the second part is encrypted and sent by the mobile intelligent device to the network payment server;
a transaction information module 504, configured to display the same network payment transaction information on the password input page;
the password input module 505 is configured to input the password in the password input page of the mobile smart device, and send the password to the network payment server;
the server verification module 506 is configured to receive, combine and restore the first part and the second part in the verification result by the network payment server, and perform decryption and verification, and includes:
the first payment operation module 507 is used for performing network payment transaction after the password and the decryption and verification information are verified to be correct;
and a second payment operation module 508 for verifying that the password and the decryption and verification information are incorrect, and terminating the transaction.
In summary, the payee device scans the payment two-dimensional code in the payer mobile smart device, and sends the payment two-dimensional code and the network payment transaction information to the network payment platform together. And after the scanning is successful, the NFC device of the payee is automatically started, the NFC module in the mobile intelligent equipment is verified, and after the verification is passed, the password input page is popped up and displayed in the mobile intelligent equipment. And displaying the payment amount and the user name of the payee displayed in the password input page for a user to check, confirming and inputting the password, sending the password to the network payment server for verification, and only performing network payment transaction after the verification is passed.
Fig. 6 is a block diagram of an NFC-verified network payment device introduced from the perspective of the payment two-dimensional code device according to an embodiment of the present invention.
As shown in fig. 6, the apparatus includes:
the payment two-dimensional code sub-module 601 is used for providing the payment two-dimensional code by the network payment transaction platform, and is a two-dimensional code with uniqueness.
An NFC device module 602, configured to integrate an NFC functional module device into the scanning device of the payee.
And the random encryption verification sub-module 603 is configured to, when the mobile smart device does not have an NFC function module, directly pop up the password input interface during payment.
In summary, the payment two-dimensional code is a unique two-dimensional code, and the two-dimensional code is generated by the network payment server and sent to the mobile intelligent device. Or, receiving and generating the relevant two-dimensional code in the client through network payment downloaded by the mobile intelligent device. And, in the payee code scanning device, an NFC device is integrated. The NFC module is used for identifying the NFC module in the mobile intelligent device. And if the payee or the user is in the mobile intelligent equipment, one party is provided with an NFC near field communication function. And in the process of popping up the password input page, the NFC near field communication verification is not carried out. But directly pops up the password input page.
Fig. 7 is a block diagram of an apparatus for NFC-verified network payment according to an embodiment of the present invention, which is introduced from the perspective of delayed payment.
As shown in fig. 7, the apparatus includes:
a verification sending module 701, configured to send information to a network payment platform to terminate a transaction when the NFC module of the mobile smart device fails to verify the payee NFC device;
the password input sub-module 702 is configured to delay inputting the password within a specified time after the NFC module of the mobile smart device passes the verification; and the money is frozen by the network payment server, and transferred to the account of the payee after the password is input.
In summary, after mutual authentication between the NFC device of the payee and the NFC module in the mobile smart device fails, the mobile smart device serving as the payer sends an NFC near-field communication authentication failure result to the network payment server, and the network payment server receives the message and terminates the network payment transaction, thereby ensuring the property safety of the user of the payer. And if the verification is passed, the network payment server freezes the corresponding funds in the mobile intelligent device, and the user inputs the password within the specified time. The network payment server transfers the money to the account of the payee, and the user can pay in a delayed way within the set time. Meanwhile, the payee account is provided with a bound account in the network payment server platform, or a collection account is actively provided to the network payment server.
Fig. 8 is a block diagram of an apparatus for NFC-verified internet payment introduced from the perspective of NFC identification of the payment two-dimensional code according to an embodiment of the present invention.
As shown in fig. 8, the apparatus includes:
the identifier sub-module 802 is configured to send the payment two-dimensional code to the NFC device of the payee for verification by the mobile smart device through the NFC module, and send the payment two-dimensional code to the network payment server through the network through the payee device and the NFC device.
In summary, the payment two-dimensional code information in the mobile smart device is sent to the payee NFC apparatus by the NFC module in the mobile smart device. And the payee receives the payment two-dimensional code and sends the received payment two-dimensional code and transaction payment information to the network payment server through the network for verification. The payee NFC device may receive the information and send the information out over the internet. Or after receiving the payment two-dimensional code, the payee device sends information to the network payment server. In this process, the NFC device of the payee has a network communication function.

Claims (10)

1. A method for NFC-verified web payments, the method applied to a password entry page verified by an NFC device, comprising:
a payment two-dimensional code is displayed on a client payment page in a screen of the mobile intelligent device;
the scanning equipment of the payee scans and identifies the payment two-dimensional code and sends the generated network payment transaction information to the network payment server; simultaneously, activating the NFC device;
the NFC module of the mobile intelligent equipment and the NFC device of the payee carry out mutual authentication, and after the mutual authentication is passed, a password input page is popped out from a payment page of the mobile intelligent equipment; the verification result is randomly divided into two parts, wherein the first part is encrypted and sent to the network payment server by the payee device and the NFC device; the second part is encrypted and sent by the mobile intelligent device to the network payment server;
the password input page also displays the same network payment transaction information;
inputting a password in the password input page of the mobile intelligent equipment, and sending the password to the network payment server;
the network payment server receives the password and the verification result, combines and restores the first part and the second part in the verification result, and decrypts and verifies the password and the verification result, wherein the method comprises the following steps: verifying the password and the decryption information of the verification result respectively, and performing network payment transaction after all the passwords and the decryption information of the verification result are verified to be correct; verifying that one of the transactions is incorrect, the transaction is terminated.
2. The method of claim 1, wherein the client payment page in the screen of the mobile smart device displays a payment two-dimensional code comprising:
the payment two-dimensional code is provided by a network payment transaction platform and is a two-dimensional code with uniqueness.
3. The method of claim 1, wherein simultaneously activating the NFC device comprises:
an NFC functional module device is integrated in the scanning equipment of the payee;
when the mobile intelligent device does not have the NFC function module, the password input page is directly popped up during payment.
4. The method of claim 1, wherein entering a password in the password entry page of the mobile smart device and sending the password to the network payment server comprises:
the NFC module of the mobile intelligent equipment fails to verify the NFC device of the payee, and sends information to a network payment platform to terminate the transaction;
after the NFC module of the mobile intelligent device passes the verification, the password is input in a delayed mode within a set time; and the money is frozen by the network payment server, and transferred to the account of the payee after the password is input.
5. The method as claimed in claim 1, wherein the scanning device of the payee scans and identifies the payment two-dimensional code, further comprising:
the payment two-dimensional code is sent to the payee through the NFC module by the mobile intelligent equipment and is verified in the NFC device, and the payment two-dimensional code is sent to the network payment server through the payee equipment and the NFC device through the network.
6. An apparatus for NFC-verified internet payment, comprising:
the payment two-dimensional code module is used for displaying a payment two-dimensional code on a client payment page in a screen of the mobile intelligent device;
the identification module is used for scanning and identifying the payment two-dimensional code by scanning equipment of a payee, and sending the generated network payment transaction information to a network payment server; simultaneously, activating the NFC device;
the random encryption verification module is used for mutual verification between the NFC module of the mobile intelligent equipment and the NFC device of the payee, and after verification is passed, a password input page is popped up in the payment page of the mobile intelligent equipment; the verification result is randomly divided into two parts, wherein the first part is encrypted and sent to the network payment server by the payee device and the NFC device; the second part is encrypted and sent by the mobile intelligent device to the network payment server;
the transaction information module is used for displaying the same network payment transaction information on the password input page;
the password input module is used for inputting the password in the password input page of the mobile intelligent equipment and sending the password to the network payment server;
the server verification module is used for the network payment server to receive the password and the verification result, combine and restore the first part and the second part in the verification result, and decrypt and verify the password and the verification result, and comprises the following steps:
the first payment operation module is used for respectively verifying the password and the decryption information of the verification result, and performing network payment transaction after all the passwords and the decryption information of the verification result are verified to be correct;
and the second payment operation module is used for verifying the passwords and the decryption information of the verification result respectively, and terminating the transaction if one of the passwords and the decryption information of the verification result is incorrect.
7. The apparatus of claim 6, wherein the payment two-dimensional code is displayed on the client payment page in the screen of the mobile smart device, and the method comprises the following steps:
the payment two-dimensional code submodule is used for providing the payment two-dimensional code by a network payment transaction platform and is a two-dimensional code with uniqueness.
8. The apparatus of claim 6, wherein activating the NFC device simultaneously comprises:
the NFC device module is used for integrating an NFC function module device in the scanning equipment of the payee;
and the random encryption verification sub-module is used for directly popping up the password input page when the mobile intelligent device does not have the NFC function module and pays.
9. The apparatus of claim 6, wherein entering a password in the password entry page of the mobile smart device and sending the password to the network payment server comprises:
the verification sending module is used for sending information to a network payment platform to terminate the transaction when the NFC module of the mobile intelligent equipment fails to verify the NFC device of the payee;
the password input sub-module is used for inputting the password in a delayed manner within a specified time after the NFC module of the mobile intelligent device passes the verification; and the money is frozen by the network payment server, and transferred to the account of the payee after the password is input.
10. The apparatus as claimed in claim 6, wherein the scanning device of the payee scans and identifies the payment two-dimensional code, further comprising:
and the identification submodule is used for the payment two-dimensional code to be sent to the NFC device of the payee for verification by the NFC module of the mobile intelligent equipment, and sending the payment two-dimensional code to the network payment server through the payee equipment and the NFC device.
CN201710782298.XA 2017-09-02 2017-09-02 NFC (near field communication) verification network payment method and device Active CN107491961B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201710782298.XA CN107491961B (en) 2017-09-02 2017-09-02 NFC (near field communication) verification network payment method and device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201710782298.XA CN107491961B (en) 2017-09-02 2017-09-02 NFC (near field communication) verification network payment method and device

Publications (2)

Publication Number Publication Date
CN107491961A CN107491961A (en) 2017-12-19
CN107491961B true CN107491961B (en) 2020-12-22

Family

ID=60651314

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201710782298.XA Active CN107491961B (en) 2017-09-02 2017-09-02 NFC (near field communication) verification network payment method and device

Country Status (1)

Country Link
CN (1) CN107491961B (en)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109242494A (en) * 2018-09-04 2019-01-18 刘兴丹 A kind of method, apparatus of cloud verifying brush face payment
CN109636403A (en) * 2018-12-18 2019-04-16 郭长来 A method of make fund payment by the transfer of accounts safer
CN113632124B (en) * 2019-06-10 2022-11-01 维萨国际服务协会 System, method, and computer-readable medium for exchanging transaction data
CN111144875B (en) * 2019-11-30 2023-04-18 飞天诚信科技股份有限公司 Terminal equipment and working method thereof

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103839161A (en) * 2014-03-24 2014-06-04 上海交通大学 System and method for authentication and transmission of mobile payment information

Family Cites Families (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103116844A (en) * 2013-03-06 2013-05-22 李锦风 Near field communication payment method authenticated by both sides of deal
CN103985038A (en) * 2014-04-16 2014-08-13 深圳市亚略特生物识别科技有限公司 Payment method of mobile terminal based on fingerprint recognition
CN103955823A (en) * 2014-05-14 2014-07-30 金陵科技学院 High-security portable collection and payment method
CN104408620B (en) * 2014-11-13 2017-09-22 中国科学院数据与通信保护研究教育中心 A kind of safe NFC payment and system
CN106779672A (en) * 2015-11-20 2017-05-31 北京奇虎科技有限公司 The method and device that mobile terminal safety pays
CN106056419A (en) * 2015-11-25 2016-10-26 天地融科技股份有限公司 Method, system and device for realizing independent transaction by using electronic signature equipment
CN106022762A (en) * 2016-05-13 2016-10-12 广东欧珀移动通信有限公司 Payment method and terminal
CN106096951A (en) * 2016-06-16 2016-11-09 广州地理研究所 Off-line barcode scanning method of payment
CN106251143B (en) * 2016-07-26 2019-08-20 中国地质大学（武汉） A kind of safe verification method and device based on NFC identification

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103839161A (en) * 2014-03-24 2014-06-04 上海交通大学 System and method for authentication and transmission of mobile payment information

Also Published As

Publication number Publication date
CN107491961A (en) 2017-12-19

Similar Documents

Publication Publication Date Title
CN102789607B (en) A kind of network trading method and system
CN107491961B (en) NFC (near field communication) verification network payment method and device
CN107798531B (en) Electronic payment method and system
CN102801710B (en) A kind of network trading method and system
CN107784499B (en) Secure payment system and method of near field communication mobile terminal
US20130054473A1 (en) Secure Payment Method, Mobile Device and Secure Payment System
CN110278180B (en) Financial information interaction method, device, equipment and storage medium
CN103123706A (en) Management method, device and system of bill payment for another
JP2014529273A (en) Secure authentication method and system for online transactions
CN101221641B (en) On-line trading method and its safety affirmation equipment
US20090157549A1 (en) Using a mobile phone as a remote pin entry terminal for cnp credit card transactions
CN104361493A (en) Electronic payment method on basis of biological characteristics
KR101499906B1 (en) Smart card having OTP generation function and OTP authentication server
WO2017190633A1 (en) Method and device for reliably verifying identity of financial card user
WO2000039958A1 (en) Method and system for implementing a digital signature
CN107506998B (en) Fingerprint password payment method, device and system based on NFC verification
CN103268436A (en) Method and system for touch-screen based graphical password authentication in mobile payment
TW201706926A (en) Method and apparatus for service authentication cross-reference to related applications
JP2004102872A (en) Online commerce system for personal information protection
CN104639566A (en) Transaction authorizing method based on out-of-band identity authentication
TW201131490A (en) Payment data processing method, system, payment terminal and payment server
CN107491967B (en) Method and system for inputting password through network payment
KR102193160B1 (en) Method for Providing Transacting Linked Authentication Code
CN108389042B (en) Method and device for realizing auxiliary fee settlement by intelligent mobile phone
KR101009913B1 (en) Method for providing online payment service, payment module and payment approval server

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
TA01 Transfer of patent application right

Effective date of registration: 20201201

Address after: Room 801 and 802, block a, Yingying building, No. 99, Tuanjie Road, yanchuangyuan, Jiangbei new district, Nanjing, Jiangsu Province

Applicant after: JIANGSU WOYIN DATA SERVICE Co.,Ltd.

Address before: 650000 Yunnan Province, Kunming city Guandu District gold inlaid horse road in the East District Court 5 building Tritace

Applicant before: Liu Xingdan

TA01 Transfer of patent application right
GR01 Patent grant
GR01 Patent grant
PE01 Entry into force of the registration of the contract for pledge of patent right

Denomination of invention: A method and device for NFC verified network payment

Granted publication date: 20201222

Pledgee: Jiangsu Zijin Rural Commercial Bank Co.,Ltd. Gulou sub branch

Pledgor: JIANGSU WOYIN DATA SERVICE Co.,Ltd.

Registration number: Y2024320000037

PE01 Entry into force of the registration of the contract for pledge of patent right