CN107545426A

CN107545426A - Determine the method and system and method for commerce and system of payment mechanism

Info

Publication number: CN107545426A
Application number: CN201610478695.3A
Authority: CN
Inventors: 李明
Original assignee: Individual
Current assignee: Individual
Priority date: 2016-06-27
Filing date: 2016-06-27
Publication date: 2018-01-05

Abstract

The present invention provides the method and system and method for commerce and system for determining payment mechanism, wherein it is determined that the method for payment mechanism includes：Transaction initiating terminal broadcasts first frequency signal to wake up the payment mechanism being located in first frequency signal cover；The N number of payment mechanism for receiving first frequency signal is waken up, wherein, N is positive integer；N number of payment mechanism, which is each sent, carries the second frequency signal of self identification information to initiating terminal of merchandising, the frequency of the frequency ＜ second frequency signals of first frequency signal；Transaction initiating terminal receives the second frequency signal that N number of payment mechanism is each sent, and obtains N number of identification information；Background server determines target identification information from N number of identification information, and sends target identification information to initiating terminal of merchandising, wherein, target identification information and the subscriber authentication information match of user's input；Initiating terminal of merchandising receives target identification information, it is determined that payment mechanism corresponding with target identification information is traded.

Description

Determine the method and system and method for commerce and system of payment mechanism

Technical field

The present invention relates to payment technical field, more particularly to determine the method and system of payment mechanism and method of commerce and be System.

Background technology

At present, for the transaction such as paid, transferred accounts, transaction initiating terminal (such as POS) and payment mechanism (example Such as bank card) data communication carried out using contact mode.For example, when being paid, the transaction such as transferring accounts, it is necessary to will card Neck is inserted or streaks, POS could read card inside information, be traded operation.During swiping the card, it will only block along correct Neck is inserted or streaked in direction, and the magnetic stripe or exposed chip blocked will read position with the information of neck and be in contact, and can just make POS correctly reads card inside information；In addition, if the excessive velocities stamped the card, POS can be caused, which can not to read card inside information, to be caused Swipe the card unsuccessfully, it is therefore desirable to which streaking to uniform and stable neck can just make POS correctly read card inside information.It is above-mentioned swipe the card it is a variety of Limitation adds the complexity of user card punching operation, causes user card punching extremely inconvenient so that Consumer's Experience is bad.Therefore, urgently Need a kind of determination payment mechanism method and system that can be user-friendly and method of commerce and system.

The content of the invention

One of present invention seek to address that above mentioned problem/.

It is a primary object of the present invention to provide a kind of method for determining payment mechanism；

Another object of the present invention is to provide a kind of method of commerce；

Another object of the present invention is to provide a kind of system for determining payment mechanism；

Another object of the present invention is to provide a kind of transaction system.

To reach above-mentioned purpose, what technical scheme was specifically realized in：

One aspect of the present invention provides a kind of method for determining payment mechanism, including：Initiating terminal of merchandising broadcasts first frequency Signal, first frequency signal are used to wake up the payment mechanism in first frequency signal cover；Receive first frequency N number of payment mechanism of signal is waken up, wherein, N is positive integer；N number of payment mechanism each sends and carries self identification information Second frequency signal to initiating terminal of merchandising, wherein, second frequency signal be used for be waken up after payment mechanism with transaction send out Play the communication between terminal, the frequency of the frequency ＜ second frequency signals of first frequency signal；Transaction initiating terminal receives N number of The second frequency signal that device is each sent is paid, obtains N number of identification information；Initiating terminal of merchandising obtains user's body of user's input Part checking information；Transaction initiating terminal sends subscriber authentication information and N number of identification information to background server；Backstage takes Business device determines target identification information from N number of identification information, and sends target identification information to initiating terminal of merchandising, wherein, mesh Mark identification information and subscriber authentication information match；Merchandise initiating terminal receive target identification information, it is determined that with target mark Payment mechanism corresponding to knowing information is traded.

Another aspect of the present invention also provides a kind of method of commerce, including：Initiating terminal of merchandising broadcasts first frequency signal, the One frequency signal is used to wake up the payment mechanism in first frequency signal cover；Receive the N of first frequency signal Individual payment mechanism is waken up, wherein, N is positive integer；N number of payment mechanism each sends the second frequency for carrying self identification information Rate signal to initiating terminal of merchandising, wherein, second frequency signal be used for be waken up after payment mechanism with transaction initiating terminal it Between communication, the frequency of the frequency ＜ second frequency signals of first frequency signal；It is each that initiating terminal of merchandising receives N number of payment mechanism From the second frequency signal of transmission, N number of identification information is obtained；Initiating terminal of merchandising obtains the subscriber authentication letter of user's input Breath；Transaction initiating terminal sends subscriber authentication information and N number of identification information to background server；Background server is from N Target identification information is determined in individual identification information, and sends target identification information to initiating terminal of merchandising, wherein, target identification letter Breath and subscriber authentication information match；Initiating terminal of merchandising receives target identification information, will carry the of Transaction Information Two frequency signals are sent to payment mechanism corresponding to target identification information；Payment mechanism corresponding to target identification information, which receives, to be carried There is the second frequency signal of Transaction Information, processing generation checking data are carried out to Transaction Information, and checking data will be carried Second frequency signal is sent to transaction initiating terminal；Transaction initiating terminal receives the second frequency signal for carrying checking data, Checking data and Transaction Information are sent to background server；Background server is verified to checking data, and is led in checking Later, transaction is performed according to Transaction Information.

In addition, the frequency range of first frequency signal is：100KHz-100MHz；The frequency range of second frequency signal is： 300MHz-2.4835GHz。

In addition, the frequency of first frequency signal is the frequency of the signal of communication employed in NFC communication, first frequency signal Minimum vertex-covering radius be 1 meter；The frequency of second frequency signal is employed in Bluetooth communication, WiFi communication or Zigbee communication Signal of communication frequency.

In addition, the realization side that any one payment mechanism in receiving N number of payment mechanism of first frequency signal is waken up Method, including：The payment mechanism for receiving first frequency signal determines that first frequency signal carries wake-up characteristic information, pays dress Put and be waken up.

In addition, background server determines target identification information from N number of identification information in the following manner：Background server N is searched according to identification information and the corresponding relation of authentication information in the identification information and authentication information being locally stored Individual each self-corresponding authentication information of identification information, obtains N number of authentication information, is determined in N number of authentication information With the target identities checking information of subscriber authentication information match, identification information corresponding to target identities checking information is made For target identification information；Or background server is believed in the identification information and authentication information being locally stored according to mark Identification information corresponding with the corresponding relation of authentication information lookup subscriber authentication information is ceased, in N number of identification information Target identification information is determined, target identification information identification information corresponding with the subscriber authentication information found out matches.

In addition, subscriber authentication information includes：User biological characteristic information；Initiating terminal of merchandising obtains user's input Subscriber authentication information, including：Transaction initiating terminal has detected that biological limbs enter preset range, gathers biological limbs Biological information.

In addition, background server determines and the target of subscriber authentication information match in N number of authentication information Authentication information, including：Background server judges the matching rate of N number of authentication information and user biological characteristic information respectively Whether the first preset value is more than, if an authentication information in N number of authentication information and user biological characteristic information Matching rate be more than the first preset value, it is determined that the authentication information and subscriber authentication information matches；Wherein, first is pre- If value is less than the second preset value, the second preset value is used for for indicating that two biological informations are same biological information With rate.

Another aspect of the present invention also provides a kind of system for determining payment mechanism, including：Transaction initiating terminal, for broadcasting First frequency signal, first frequency signal are used to wake up the payment mechanism in first frequency signal cover；N number of payment Device, for being waken up according to the first frequency signal received, wherein, N is positive integer；It is additionally operable to each send and carries certainly The second frequency signal of body identification information to initiating terminal of merchandising, wherein, second frequency signal be used for be waken up after payment dress The communication put and merchandised between initiating terminal, the frequency of the frequency ＜ second frequency signals of first frequency signal；Transaction is initiated eventually End, is additionally operable to receive the second frequency signal that N number of payment mechanism is each sent, obtains N number of identification information；It is additionally operable to obtain user The subscriber authentication information of input；It is additionally operable to send subscriber authentication information and N number of identification information to background server； Background server, for determining target identification information from N number of identification information, and send target identification information and initiated eventually to merchandising End, wherein, target identification information and subscriber authentication information match；Transaction initiating terminal, it is additionally operable to receive target identification Information, it is determined that payment mechanism corresponding with target identification information is traded.

Another aspect of the present invention also provides a kind of transaction system, including：Transaction initiating terminal, for broadcasting first frequency letter Number, first frequency signal is used to wake up the payment mechanism in first frequency signal cover；N number of payment mechanism, is used for First frequency signal according to receiving is waken up, wherein, N is positive integer；It is additionally operable to each send and carries self identification letter The second frequency signal of breath to initiating terminal of merchandising, wherein, second frequency signal be used for be waken up after payment mechanism and transaction Communication between initiating terminal, the frequency of the frequency ＜ second frequency signals of first frequency signal；Transaction initiating terminal, is additionally operable to The second frequency signal that N number of payment mechanism is each sent is received, obtains N number of identification information；It is additionally operable to obtain the use of user's input Family authentication information；It is additionally operable to send subscriber authentication information and N number of identification information to background server；Background service Device, for determining target identification information from N number of identification information, and target identification information is sent to initiating terminal of merchandising, wherein, Target identification information and subscriber authentication information match；Transaction initiating terminal, it is additionally operable to receive target identification information, and will The second frequency signal for carrying Transaction Information is sent to payment mechanism corresponding to target identification information；Corresponding to target identification information Payment mechanism, the second frequency signal of Transaction Information is carried for receiving, and processing generation checking number is carried out to Transaction Information According to, and the second frequency signal for carrying checking data is sent to transaction initiating terminal；Transaction initiating terminal, is additionally operable to receive The second frequency signal of checking data is carried, and checking data and Transaction Information are sent to background server；Background service Device, it is additionally operable to verify checking data, and after being verified, transaction is performed according to Transaction Information.

In addition, the frequency of first frequency signal is the frequency of the signal of communication employed in NFC communication, first frequency signal Minimum vertex-covering radius be 1 meter；Second frequency signal is using the frequency for realizing Bluetooth communication, WiFi communication or Zigbee communication.

In addition, any payment mechanism in N number of payment mechanism, is carried specifically for the first frequency signal for determining to receive Have and be waken up after waking up characteristic information.

In addition, background server is specifically used for：According to mark in the identification information and authentication information being locally stored The corresponding relation of information and authentication information searches N number of each self-corresponding authentication information of identification information, obtains N number of identity Checking information, the target identities checking information with subscriber authentication information match is determined in N number of authentication information, will Identification information is as target identification information corresponding to target identities checking information；Or in the identification information and body being locally stored According to identification information mark corresponding with the corresponding relation lookup subscriber authentication information of authentication information in part checking information Know information, target identification information, target identification information and the subscriber authentication information found out are determined in N number of identification information Corresponding identification information matches.

In addition, subscriber authentication information includes：User biological characteristic information；Initiating terminal merchandise especially by with lower section Formula obtains the subscriber authentication information of user's input：Transaction initiating terminal has detected that biological limbs enter preset range, Gather the biological information of biological limbs.

In addition, background server determines and the target of subscriber authentication information match in N number of authentication information During authentication information, also particularly useful for：Background server judges N number of authentication information and user biological characteristic information respectively Matching rate whether be more than the first preset value, if an authentication information and user biological in N number of authentication information The matching rate of characteristic information is more than the first preset value, it is determined that the authentication information and subscriber authentication information matches；Its In, the first preset value is less than the second preset value, and the second preset value is used to indicate that two biological informations are special for same biology The matching rate of reference breath.

Technical scheme provided by the present invention can be seen that the invention provides determine payment mechanism method and system with And method of commerce and system, by the method and system of above-mentioned determination payment mechanism, using the first frequency signal of lower frequency Transaction initiating terminal can be enable to wake up with it at a distance of a range of payment mechanism, prevent distance transaction initiating terminal farther out , need not currently be traded the payment mechanism of operation by false wake-up；It can be protected using the second frequency signal of upper frequency The data communication quality and stability that payment mechanism is demonstrate,proved between initiating terminal of merchandising；Background server is N number of by what is be waken up The subscriber authentication information that the identification information and user that payment mechanism returns input in transaction initiating terminal, to determine to merchandise Initiating terminal is traded with which of N number of payment mechanism payment mechanism, and the payment that can avoid being traded fills Put and be all traded with transaction initiating terminal.Compared with prior art, the present invention need not guarantee payment device with merchandising initiation eventually Whether contact direction, position or the speed at end are correctly with properly, need to only make payment mechanism positioned at the of transaction initiating terminal broadcast In one frequency signal coverage, you can it is determined that being traded with which payment mechanism.

By above-mentioned method of commerce and system, transaction initiating terminal can be enable using the first frequency signal of lower frequency It is enough to wake up with it at a distance of a range of payment mechanism, prevent distance transaction initiating terminal farther out, need not currently be handed over Easy-operating payment mechanism is by false wake-up；Using the second frequency signal of upper frequency can guarantee payment device with transaction initiate Data communication quality and stability between terminal；The mark that background server is returned by the N number of payment mechanism being waken up is believed The subscriber authentication information that breath and user input in transaction initiating terminal, to determine to merchandise, initiating terminal fills with N number of pay Which of put payment mechanism to be traded, the payment mechanism that can avoid being traded all enters with transaction initiating terminal Row transaction.Compared with prior art, device contact direction, position or the speed with initiating terminal of merchandising of the invention of need not guaranteeing payment Whether degree correctly merchandises in the first frequency signal cover that initiating terminal is broadcasted with, only payment mechanism need to properly be located at, It can complete to merchandise, it is user-friendly.In addition, background server to checking data by verifying, it is ensured that transaction Initiating terminal and the security of the payment mechanism transaction determined.

Brief description of the drawings

In order to illustrate the technical solution of the embodiments of the present invention more clearly, required use in being described below to embodiment Accompanying drawing be briefly described, it should be apparent that, drawings in the following description are only some embodiments of the present invention, for this For the those of ordinary skill in field, on the premise of not paying creative work, other can also be obtained according to these accompanying drawings Accompanying drawing.

Fig. 1 is a kind of flow chart for determination payment mechanism that the embodiment of the present invention 1 provides；

Fig. 2 is a kind of flow chart for method of commerce that the embodiment of the present invention 2 provides；

Fig. 3 is a kind of system block diagram for determination payment mechanism that the embodiment of the present invention 3 provides.

Embodiment

With reference to the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete Ground describes, it is clear that described embodiment is only part of the embodiment of the present invention, rather than whole embodiments.Based on this The embodiment of invention, the every other implementation that those of ordinary skill in the art are obtained under the premise of creative work is not made Example, belongs to protection scope of the present invention.

In the description of the invention, it is to be understood that term " " center ", " longitudinal direction ", " transverse direction ", " on ", " under ", The orientation or position relationship of the instruction such as "front", "rear", "left", "right", " vertical ", " level ", " top ", " bottom ", " interior ", " outer " are Based on orientation shown in the drawings or position relationship, it is for only for ease of the description present invention and simplifies description, rather than instruction or dark Show that the device of meaning or element there must be specific orientation, with specific azimuth configuration and operation, thus it is it is not intended that right The limitation of the present invention.In addition, term " first ", " second " are only used for describing purpose, and it is not intended that instruction or hint are relative Importance or quantity or position.

In the description of the invention, it is necessary to illustrate, unless otherwise clearly defined and limited, term " installation ", " phase Even ", " connection " should be interpreted broadly, for example, it may be being fixedly connected or being detachably connected, or be integrally connected；Can To be mechanical connection or electrical connection；Can be joined directly together, can also be indirectly connected by intermediary, Ke Yishi The connection of two element internals.For the ordinary skill in the art, with concrete condition above-mentioned term can be understood at this Concrete meaning in invention.

The embodiment of the present invention is described in further detail below in conjunction with accompanying drawing.

Embodiment 1

The present embodiment provides a kind of method for determining payment mechanism.Paid as shown in Figure 1 for the determination that the present embodiment 1 provides The flow chart of device, mainly include the following steps that (S101-S108)：

S101：Initiating terminal of merchandising broadcasts first frequency signal, and first frequency signal is used to wake up to be believed positioned at first frequency Payment mechanism in number coverage；

In the present embodiment, initiating terminal of merchandising can be card reader (such as POS) or other can initiate The terminal of transaction, the present embodiment are not specifically limited.Payment mechanism can be smart card (such as IC-card, SIM card, mass transit card or Bank card etc.), intelligent cipher equipment (such as industrial and commercial bank's U-shield, agricultural bank K be precious or audio KEY etc.), mobile terminal (such as mobile phone) or tool The wearable device (such as bracelet, watch, necklace or ring etc.) of trading function such as there is payment, transfer accounts.

In the present embodiment, the frequency range of first frequency signal is：100KHz-100MHz；Optionally, first frequency is believed Number frequency range be：100KHz-14MHz；Preferably, the frequency of first frequency signal is the communication employed in NFC communication The frequency of signal, specifically, the frequency of first frequency signal selects 13.56MHz during actual use, it is allowed to which error is ± 1MHz. In the present embodiment, first frequency signal uses the signal of lower frequency, because low-frequency signal diffracting power is strong, decay is poor It is different small, easily adjust the distance and be controlled, therefore, transaction initiating terminal can be called out using the first frequency signal of lower frequency Awake scope control effectively, and transaction initiating terminal is waken up with it at a distance of a range of payment mechanism, prevents distance Transaction initiating terminal farther out, the payment mechanism that need not currently be traded is by false wake-up.

In the present embodiment, the minimum vertex-covering radius of first frequency signal is 1 meter.Specifically, when first frequency signal covers Lid radius is 1 meter, then it is wide can to receive transaction initiating terminal for the payment mechanism within 1 meter of initiating terminal of explanation distance transaction The first frequency signal broadcast.In the present embodiment, the minimum vertex-covering radius of first frequency signal is 1 meter, and user is without taking out Payment mechanism is waited in line to be traded when user carries payment mechanism with regard to that can wake up payment mechanism before initiating terminal of merchandising When, ensure that the nearer payment mechanism for being currently needed for being traded of distance transaction initiating terminal is waken up, and initiated apart from transaction The payment mechanism that the other waitings of terminal farther out are traded is not waken up temporarily.

As a kind of optional embodiment of the present embodiment, the maximal cover radius of first frequency signal is 4 meters, preferably , the maximal cover radius of first frequency signal is 3 meters.Specifically, when the maximal cover radius of first frequency signal is 3 meters When, then the payment mechanism within 3 meters of initiating terminal of explanation distance transaction can receive the first of transaction initiating terminal broadcast Frequency signal.In this optional embodiment, the maximal cover radius of first frequency signal is 3 meters, can prevent distance from merchandising Initiating terminal farther out, the payment mechanism that need not be traded by false wake-up, in addition, to existing transaction initiating terminal change In the case of less, you can the covering radius for realizing first frequency signal is 3 meters.

As a kind of optional embodiment of the present embodiment, the minimum vertex-covering radius of first frequency signal is 1 meter, the first frequency The maximal cover radius of rate signal is 3 meters.Specifically, when first frequency signal covering radius is 1 meter, then explanation is apart from transaction hair The first frequency signal of transaction initiating terminal broadcast can be received by playing the payment mechanism within 1 meter of terminal；Work as first frequency Signal covering radius is 3 meters, then the payment mechanism within 3 meters of initiating terminal of explanation distance transaction can receive transaction and initiate The first frequency signal of terminal broadcast.The minimum vertex-covering radius of first frequency signal is 1 meter, and user need not take out payment mechanism just Payment mechanism can be waken up, when user, which carries payment mechanism, to be waited in line to be traded before initiating terminal of merchandising, ensures distance The nearer payment mechanism for being currently needed for being traded of transaction initiating terminal is waken up, and apart from transaction initiating terminal farther out its It waits the payment mechanism being traded and is not waken up temporarily.In the present embodiment, merchandising initiating terminal can be outwards wide always Broadcast first frequency signal, the payment mechanism in the poll first frequency signal frequency range.Because polling operation can increase transaction The current drain of initiating terminal, therefore, for power saving, transaction initiating terminal can also be after trigger event be received, then outwards Broadcast first frequency signal；Wherein, the trigger event can be but not limited to button triggering (such as key, acknowledgement key etc.), Biological characteristic triggers (such as fingerprint, iris, face picture etc.) and communications triggered and (such as receives the transaction request that host computer is sent and believe Number).

Step S102：The N number of payment mechanism for receiving first frequency signal is waken up, wherein, N is positive integer；

In the present embodiment, payment mechanism is after the first frequency signal that transaction initiating terminal is sent is received, into calling out Awake program, payment mechanism are switched to electric in working condition, such as the master chip of payment mechanism, the frequency of startup transmission second by resting state Module of rate signal etc..

As a kind of optional embodiment of the present embodiment, appointing in N number of payment mechanism of first frequency signal is received The implementation method that one payment mechanism is waken up, including：The payment mechanism for receiving first frequency signal determines that first frequency is believed Number wake-up characteristic information is carried, payment mechanism is waken up.Specifically, any one in N number of payment mechanism in the present embodiment A variety of first frequency signals are there may be around payment mechanism, are called out if payment mechanism receives first frequency signal Wake up, it is understood that there may be by the situation of false wake-up, the payment mechanism for only receiving first frequency signal determines that first frequency signal is taken With characteristic information is waken up, payment mechanism is just waken up.Wherein, the flag of first frequency signal, which is used to carry, wakes up feature letter Breath, the flag of first frequency signal can be in the head of first frequency signal or afterbody, it is of course also possible to believe in first frequency Number other positions.Flag can only have 1, naturally it is also possible to be multidigit, the present embodiment is not specifically limited.By to Wake-up characteristic information entrained by one frequency signal is verified, can effectively reduce payment mechanism by the number of false wake-up.

Step S103：N number of payment mechanism, which is each sent, carries the second frequency signal of self identification information to hair of merchandising Terminal is played, wherein, the communication that second frequency signal is used between the payment mechanism after being waken up and transaction initiating terminal, the first frequency The frequency of the frequency ＜ second frequency signals of rate signal；

In the present embodiment, identification information is the information of unique mark payment mechanism, such as sequence number, card number, certainly Can be the information of other unique mark payment mechanisms, the present embodiment is not specifically limited.

In the present embodiment, the N number of payment mechanism being waken up each sends the second frequency for carrying self identification information Signal is to initiating terminal of merchandising.For example, when being paid in supermarket, POS in supermarket ceaselessly outside broadcast transmission One frequency signal, 3 (i.e. N=3) payment mechanisms carried in the crowd for payment of ranking receive the first frequency signal After be waken up, 3 be waken up payment mechanism all sends the POS for carrying the second frequency signal of self identification information to supermarket Machine, i.e.,：The 1st payment mechanism being waken up sends the second frequency signal for carrying self identification information (the 1st identification information) To supermarket's POS, the 2nd payment mechanism being waken up, which is also sent, carries the second of self identification information (the 2nd identification information) For frequency signal to supermarket's POS, the 3rd payment mechanism being waken up, which is also sent, carries self identification information (the 3rd mark letter Breath) second frequency signal to supermarket's POS.Multiple payment mechanisms are waken up by first frequency signal, can be follow-up branch Pay transaction to be ready, save the time of payment.

In the present embodiment, second frequency signal is used for logical between the payment mechanism after being waken up and transaction initiating terminal Letter, the frequency of the frequency ＜ second frequency signals of first frequency signal.Specifically, the frequency range of second frequency signal is： 300MHz-2.4835GHz；Preferably, the frequency of second frequency signal be Bluetooth communication, institute in WiFi communication or Zigbee communication The frequency of the signal of communication of use.Because high-frequency signal is than low-frequency signal, it can load mass data, distortion Rate is small, strong interference immunity, therefore, using the second frequency signal of upper frequency can guarantee payment device with transaction initiating terminal Between data communication quality and stability.In addition, the frequency of second frequency signal is the communication letter employed in Bluetooth communication Number frequency, the distance that bluetooth communication frequencies can communicate reaches as high as 10 meters, it is ensured that payment mechanism in moving process with The stability of the communication of transaction initiating terminal, remote payment is realized, and save the time of payment.

S104：Transaction initiating terminal receives the second frequency signal that N number of payment mechanism is each sent, and obtains N number of mark letter Breath；

In the present embodiment, the N number of payment mechanism being waken up each sends the second frequency for carrying self identification information After signal to initiating terminal of merchandising, transaction initiating terminal receives the second frequency signal that N number of payment mechanism is each sent, and obtains N Individual identification information.

S105：Initiating terminal of merchandising obtains the subscriber authentication information of user's input；

As a kind of optional embodiment of the present embodiment, subscriber authentication information includes：User biological characteristic information； Wherein, user biological characteristic information can be finger print information, iris information or face information, naturally it is also possible to be that other biologies are special Reference ceases.Initiating terminal of merchandising obtains the subscriber authentication information of user's input, including：Transaction initiating terminal has detected life Thing limbs enter preset range, gather the biological information of biological limbs.For example, when user biological characteristic information is fingerprint During information, transaction initiating terminal has detected that finger touches transaction initiating terminal, gathers the finger print information of finger.

In the present embodiment, it is special can to input user biological before transaction initiating terminal obtains N number of identification information by user Reference ceases, and can also input user biological characteristic information after transaction initiating terminal obtains N number of identification information, the present embodiment is not Limit.

S106：Transaction initiating terminal sends subscriber authentication information and N number of identification information to background server；

In the present embodiment, merchandising initiating terminal can be by cable network or wireless network by subscriber authentication information Sent with N number of identification information to background server.

As a kind of optional embodiment of the present embodiment, transaction initiating terminal can utilize encryption key to user identity After checking information and N number of identification information are encrypted, the ciphertext of subscriber authentication information and N number of identification information is sent to rear Platform server.For example, transaction initiating terminal can utilize default transmission key to believe subscriber authentication information and N number of mark After breath is encrypted, the ciphertext of subscriber authentication information and N number of identification information is sent to background server.Certainly, merchandise Initiating terminal can also utilize background server to establish during escape way the transmission key pair consulted with transaction initiating terminal After subscriber authentication information and N number of identification information are encrypted, by subscriber authentication information and the ciphertext of N number of identification information Send to background server.Transaction initiating terminal transmits the subscriber authentication information after encryption and N number of identification information to rear Platform server, it is ensured that the safety of subscriber authentication information and N number of identification information in transmitting procedure.

As a kind of optional embodiment of the present embodiment, in transaction initiating terminal by subscriber authentication information and N number of Identification information is sent to before background server, in addition to：Transaction initiating terminal and background server establish information security passage. Wherein, merchandise initiating terminal and background server can establish information security passage one of in the following manner：

Mode one：Initiating terminal of merchandising generates random number R 1, and random number R 1 is encrypted using the public key of background server and given birth to Sent into R1 ciphertext, and by R1 ciphertext to background server；Background server is decrypted to R1 ciphertext using private key and obtained R1, and random number R 2 is generated, using R1 and R2 generation transmission keys, and random number R 2 is added using the public key for initiating terminal of merchandising The dense ciphertext into R2, R2 ciphertext is sent to transaction initiating terminal；Initiating terminal of merchandising decrypts R2 ciphertext using private key R2 is obtained, utilizes R1 and R2 generation transmission keys.

Mode two：Initiating terminal of merchandising generates random number R 1, and random number R 1 is encrypted using the public key of background server and given birth to Sent into R1 ciphertext, and by R1 ciphertext to background server；Background server is decrypted to R1 ciphertext using private key and obtained R1, and random number R 2 is generated, enter using R1 and R2 generation transmission keys, and using the public key for initiating terminal of merchandising by key is transmitted Row encryption, the transmission key after encryption is sent to transaction initiating terminal；Initiating terminal of merchandising obtains transmission using private key decryption Key.

S107：Background server determines target identification information from N number of identification information, and sends target identification information best friend Easy initiating terminal, wherein, target identification information and subscriber authentication information match；

In the present embodiment, background server determines target identification information from N number of identification information in the following manner：Afterwards Platform server is corresponding with authentication information according to identification information in the identification information and authentication information being locally stored Relation searches N number of each self-corresponding authentication information of identification information, obtains N number of authentication information, believes in N number of authentication The target identities checking information with subscriber authentication information match is determined in breath, by mark corresponding to target identities checking information Information is known as target identification information；Or background server root in the identification information and authentication information being locally stored According to identification information identification information corresponding with the corresponding relation lookup subscriber authentication information of authentication information, in N number of mark Know in information and determine target identification information, target identification information identification information corresponding with the subscriber authentication information found out Match.Specifically, store the corresponding relation of identification information and authentication information in background server, background server is from mark In the corresponding relation for knowing information and authentication information, each self-corresponding authentication information of N number of identification information is searched, obtains N Individual authentication information, and determination and the target body of subscriber authentication information match in above-mentioned N number of authentication information Part checking information, using identification information corresponding to target identities checking information as target identification information.For example, background server obtains Family authentication information and 3 identification informations are taken, wherein, it is the 1st identification information corresponding to the 1st payment mechanism, the 2nd pays dress It is the 2nd identification information corresponding to putting, is the 3rd identification information corresponding to the 3rd payment mechanism, background server is from the mark prestored In the corresponding relation for knowing information and authentication information, each self-corresponding authentication information of 3 identification informations is searched, obtains 3 Individual authentication information, and judge whether 3 authentication informations match with subscriber authentication information respectively, if the 3rd mark Know authentication information corresponding to information and subscriber authentication information matches, then the 3rd identification information is target identification information.When So, background server also can identify the identity with subscriber authentication information match from the authentication information of storage Checking information, and according to identification information and the corresponding relation of authentication information, search and subscriber authentication information match Authentication information corresponding to identification information, the identification information is target identification information.

As a kind of optional embodiment of the present embodiment, subscriber authentication information includes：User biological characteristic information； Background server is determined in N number of authentication information and the target identities checking information of subscriber authentication information match, Including：Background server judges whether N number of authentication information and the matching rate of user biological characteristic information are more than first respectively Preset value, if the authentication information and the matching rate of user biological characteristic information in N number of authentication information are more than First preset value, it is determined that the authentication information and subscriber authentication information matches；Wherein, the first preset value is less than second Preset value, the second preset value are used for the matching rate for indicating that two biological informations are same biological information.Specifically, User biological characteristic information can be iris information, finger print information, venous information or face image of user etc., naturally it is also possible to It is other biological informations, the present embodiment is not specifically limited., can be with by setting the first preset value to be less than the second preset value Biological information is reduced by the probability of False Rejects.

As a kind of optional embodiment of the present embodiment, background server determines and user's body in N number of identification information Before the target identities checking information that part checking information matches, including：Background server is using decruption key to user identity After checking information and the ciphertext of N number of identification information are decrypted, subscriber authentication information and N number of identification information are obtained.Wherein, Decruption key and above-mentioned encryption key can be symmetric key or unsymmetrical key.For example, background server is using in advance If with transaction initiating terminal identical transmission key the ciphertext of subscriber authentication information and N number of identification information is decrypted Afterwards, subscriber authentication information and N number of identification information are obtained.Certainly, background server can also utilize background server with handing over Easy initiating terminal establishes during escape way the transmission key consulted to the close of subscriber authentication information and N number of identification information After text is decrypted, subscriber authentication information and N number of identification information are obtained, the specific process for consulting transmission key can be found in step Rapid S106, will not be repeated here.

In the present embodiment, the identification information and use that background server is returned by the N number of payment mechanism being waken up The subscriber authentication information that family inputs in transaction initiating terminal, to determine which in transaction initiating terminal and N number of payment mechanism Individual payment mechanism is traded, and the payment mechanism that can avoid being traded all is traded with transaction initiating terminal.

S108:Initiating terminal of merchandising receives target identification information, it is determined that payment mechanism corresponding with target identification information enters Row transaction.

In the present embodiment, background server sends target identification information to transaction initiating terminal, and transaction is initiated eventually End receives target identification information, it is determined that payment mechanism corresponding with target identification information is traded.For example, the 3rd identification information For target identification information when, the 3rd identification information is sent to transaction initiating terminal, transaction initiating terminal and receives the by background server 3 identification informations, and determine that 3rd payment mechanism corresponding with the 3rd identification information is traded.

By the method for above-mentioned determination payment mechanism, using the first frequency signal of lower frequency transaction can be made to initiate eventually End can be waken up with it at a distance of a range of payment mechanism, prevent distance transaction initiating terminal farther out, need not currently enter The payment mechanism of row transactional operation is by false wake-up；Device can be guaranteed payment with merchandising using the second frequency signal of upper frequency Data communication quality and stability between initiating terminal；The mark that background server is returned by the N number of payment mechanism being waken up The subscriber authentication information of information and user in transaction initiating terminal input is known, to determine merchandise initiating terminal and N number of Pay which of device payment mechanism to be traded, the payment mechanism that can avoid being traded all is initiated eventually with transaction End is traded.Compared with prior art, device contact direction, the position with initiating terminal of merchandising of the invention of need not guaranteeing payment Or whether speed is correctly with properly, need to only make payment mechanism positioned at the first frequency signal cover of transaction initiating terminal broadcast It is interior, you can it is determined that being traded with which payment mechanism.

Embodiment 2

The present embodiment provides a kind of method of commerce.Fig. 2 is a kind of flow chart for method of commerce that the present embodiment provides, and is such as schemed Shown in 2, the step S201-S207 in the present embodiment is identical with the step S101-S107 in embodiment 1, will not be repeated here, this A kind of method of commerce that embodiment provides is further comprising the steps of (S208-S211)：

S208：Initiating terminal of merchandising receives target identification information, and the second frequency signal for carrying Transaction Information is sent To payment mechanism corresponding to target identification information；

In the present embodiment, background server sends target identification information to transaction initiating terminal, and transaction is initiated eventually End receives target identification information, it is determined that payment mechanism corresponding with target identification information is traded, and will carry transaction letter The second frequency signal of breath is sent to payment mechanism corresponding to target identification information.For example, the 3rd identification information is believed for target identification During breath, the 3rd identification information is sent to transaction initiating terminal, transaction initiating terminal and receives the 3rd identification information by background server, and It is determined that 3rd payment mechanism corresponding with the 3rd identification information is traded, transaction initiating terminal will carry the second of Transaction Information Frequency signal is sent to payment mechanism corresponding to target identification information.

In the present embodiment, Transaction Information comprises at least dealing money, naturally it is also possible to caused by process of exchange Other information, the present embodiment are not specifically limited.

S209：Payment mechanism corresponding to target identification information receives the second frequency signal for carrying Transaction Information, to handing over Easy information carries out processing generation checking data, and the second frequency signal for carrying checking data is sent to transaction and initiated eventually End；

In the present embodiment, payment mechanism corresponding to target identification information carries out processing generation checking number to Transaction Information According to, including one of in the following manner：

Mode one：The private key that payment mechanism corresponding to target identification information is stored using itself is signed to Transaction Information Generation signed data is calculated as checking data；

Mode two：Payment mechanism corresponding to target identification information Transaction Information is encrypted using transaction key calculating life Into encryption data as checking data；

Mode three：Payment mechanism corresponding to target identification information carries out master gage using check key of merchandising to Transaction Information Generation check value is calculated as checking data；

Mode four：Payment mechanism corresponding to target identification information Transaction Information is encrypted using transaction key calculating life Verification calculating generation check value is carried out to encryption data as checking data into encryption data, and using check key is merchandised.

S210：Transaction initiating terminal receives the second frequency signal for carrying checking data, and checking data and transaction are believed Breath is sent to background server；

In the present embodiment, initiating terminal of merchandising will verify that data and Transaction Information are sent out by cable network or wireless network Deliver to background server.

S211：Background server is verified to checking data, and after being verified, friendship is performed according to Transaction Information Easily.

In the present embodiment, background server is verified to checking data, including one of in the following manner：

Mode one：Background server is tested checking data using the public key of payment mechanism corresponding to target identification information Label；

Mode two：Background server is decrypted to obtain ciphertext data using transaction key to checking data, and compares solution Whether ciphertext data and the Transaction Information received are identical；Or background server is believed the transaction received using transaction key Whether breath is encrypted calculating, and the Transaction Information of the encryption is compared with the checking data received identical；

Mode three：Background server carries out verification to the Transaction Information received using check key of merchandising and school is calculated Test value, and whether the obtained check value of contrast conting and the check value that receives are identical；

Mode four：Background server is encrypted to the Transaction Information received using transaction key and encryption is calculated Transaction Information, and verification calculating generation check value is carried out to the Transaction Information of the encryption using check key is merchandised, and compare meter Calculate whether obtain check value identical with the check value that receives.Background server, can be to prevent by being verified to checking data Only illegal molecule distorts Transaction Information, ensures transaction initiating terminal and the security of the payment mechanism transaction determined.

By above-mentioned method of commerce, using the first frequency signal of lower frequency transaction initiating terminal can be enable to wake up With it at a distance of a range of payment mechanism, prevent distance transaction initiating terminal farther out, need not currently be traded operation Payment mechanism by false wake-up；Using the second frequency signal of upper frequency can guarantee payment device with transaction initiating terminal it Between data communication quality and stability；Identification information that background server is returned by N number of payment mechanism for being waken up and The subscriber authentication information that user inputs in transaction initiating terminal, come in determine to merchandise initiating terminal and N number of payment mechanism Which payment mechanism is traded, and the payment mechanism that can avoid being traded all is handed over transaction initiating terminal Easily.Compared with prior art, the device of the invention that need not guarantee payment is with contact direction, position or the speed for initiating terminal of merchandising It is no correctly to be merchandised with, only payment mechanism properly be located in the first frequency signal cover that initiating terminal is broadcasted, you can Transaction is completed, it is user-friendly.In addition, background server to checking data by being verified, it is ensured that transaction is initiated Terminal and the security of the payment mechanism transaction determined.

Embodiment 3

The present embodiment provides a kind of system for determining payment mechanism.The determination that Fig. 3 show the offer of the present embodiment 3 pays dress The system block diagram put, including N number of payment mechanism 301, transaction initiating terminal 302 and background server 303.Wherein, transaction is initiated Terminal 302, for broadcasting first frequency signal, first frequency signal is used to wake up in first frequency signal cover Payment mechanism 301；N number of payment mechanism 301, for being waken up according to the first frequency signal received, wherein, N is positive integer； It is additionally operable to each send the second frequency signal for carrying self identification information to initiating terminal 302 of merchandising, wherein, second frequency The communication that signal is used between the payment mechanism 301 after being waken up and transaction initiating terminal 302, the frequency ＜ of first frequency signal The frequency of second frequency signal；Transaction initiating terminal 302, is additionally operable to receive the second frequency that N number of payment mechanism 301 is each sent Signal, obtain N number of identification information；It is additionally operable to obtain the subscriber authentication information of user's input；It is additionally operable to test user identity Card information and N number of identification information are sent to background server 303；Background server 303, for being determined from N number of identification information Target identification information, and target identification information is sent to initiating terminal 302 of merchandising, wherein, target identification information and user identity Checking information matches；Transaction initiating terminal 302, it is additionally operable to receive target identification information, it is determined that corresponding with target identification information Payment mechanism 301 be traded.

In the present embodiment, initiating terminal 302 of merchandising can be card reader (such as POS) or it is other can be with The terminal of transaction is initiated, the present embodiment is not specifically limited.Payment mechanism 301 can be smart card (such as IC-card, SIM card, public affairs Hand over card or bank card etc.), intelligent cipher equipment (such as industrial and commercial bank's U-shield, agricultural bank K be precious or audio KEY etc.), mobile terminal (such as hand Machine) or with the wearable device (such as bracelet, watch, the necklace or ring etc.) trading function such as pay, transfer accounts.

In the present embodiment, the frequency range of first frequency signal is：100KHz-100MHz；Optionally, first frequency is believed Number frequency range be：100KHz-14MHz；Preferably, the frequency of first frequency signal is the communication employed in NFC communication The frequency of signal, specifically, the frequency of first frequency signal selects 13.56MHz during actual use, it is allowed to which error is ± 1MHz. In the present embodiment, first frequency signal uses the signal of lower frequency, because low-frequency signal diffracting power is strong, decay is poor It is different small, easily adjust the distance and be controlled, therefore, can be to initiating terminal 302 of merchandising using the first frequency signal of lower frequency Wake-up scope control effectively, transaction initiating terminal 302 is waken up with it at a distance of a range of payment mechanism 301, prevent distance transaction initiating terminal 302 farther out, the payment mechanism 301 that need not currently be traded is by false wake-up.

As a kind of optional embodiment of the present embodiment, the maximal cover radius of first frequency signal is 3 meters.Specifically , when the maximal cover radius of first frequency signal is 3 meters, then illustrate the branch with transaction initiating terminal 302 within 3 meters The first frequency signal that transaction initiating terminal 302 is broadcasted can be received by paying device 301.In this optional embodiment, use Payment mechanism 301 is carried with family, without contact direction, position or speed of the device 301 with initiating terminal 302 of merchandising of guaranteeing payment Whether degree is correctly with properly, need to only make payment mechanism 301 positioned at the first frequency signal covering model of the transaction broadcast of initiating terminal 302 In enclosing, you can wake up the payment mechanism 301 that user carries, user is easy to operate.

As a kind of optional embodiment of the present embodiment, the minimum vertex-covering radius of first frequency signal is 1 meter, the first frequency The maximal cover radius of rate signal is 3 meters.Specifically, when first frequency signal covering radius is 1 meter, then explanation is initiated with transaction Payment mechanism 301 of the terminal 302 within 1 meter can receive the first frequency signal that transaction initiating terminal 302 is broadcasted； When first frequency signal covering radius is 3 meters, then illustrates and merchandise payment mechanism 301 of the initiating terminal 302 within 3 meters all The first frequency signal that transaction initiating terminal 302 is broadcasted can be received.In this optional embodiment, user carries with branch Pay device 301, without guarantee payment device 301 with transaction initiating terminal 302 contact direction, position or speed whether correctly with Properly, payment mechanism 301 need to only be made in the first frequency signal cover that transaction initiating terminal 302 is broadcasted, you can call out The payment mechanism 301 that awake user carries, user is easy to operate.

In the present embodiment, transaction initiating terminal 302 can outwards broadcast first frequency signal, poll first frequency always Payment mechanism 301 in rate signal frequency range.Because polling operation can increase the current drain of transaction initiating terminal 302, because This, for power saving, transaction initiating terminal 302 can also be after trigger event be received, then outwards broadcasts first frequency signal；Its In, the trigger event can be but not limited to button triggering (such as key, acknowledgement key etc.), biological characteristic triggering (such as refers to Line, iris, face picture etc.) and communications triggered (such as receiving the payment-requesting signal that host computer is sent).Initiating terminal 302 of merchandising is wide Broadcast the first frequency signal cover sent farther out, it is possible to achieve communication at a distance, user need not be by payment mechanism 301 Carry out the transaction such as paying close to transaction initiating terminal 302.

In the present embodiment, payment mechanism 301 receive transaction initiating terminal 302 send first frequency signal after, Into wake up procedure, payment mechanism 301 switchs to electricity in working condition, such as the master chip of payment mechanism 301 by resting state, opens Dynamic module for sending second frequency signal etc..

As a kind of optional embodiment of the present embodiment, in the N number of payment mechanism 301 for receiving first frequency signal The implementation method that any one payment mechanism is waken up, including：The payment mechanism 301 for receiving first frequency signal determines the first frequency Rate signal carries wake-up characteristic information, and payment mechanism 301 is waken up.Specifically, N number of payment mechanism 301 in the present embodiment In any one payment mechanism around there may be a variety of first frequency signals, if payment mechanism receive first frequency letter Number just it is waken up, it is understood that there may be by the situation of false wake-up, the payment mechanism 301 for only receiving first frequency signal determines first Frequency signal carries wake-up characteristic information, and payment mechanism 301 is just waken up.Wherein, the flag of first frequency signal is used for Carry and wake up characteristic information, the flag of first frequency signal can also may be used certainly in the head of first frequency signal or afterbody With at other positions of first frequency signal.Flag can only have 1, naturally it is also possible to be multidigit, the present embodiment, which is not done, to be had Body limits.By being verified to the wake-up characteristic information entrained by first frequency signal, payment mechanism can be effectively reduced 301 by the number of false wake-up.

In the present embodiment, the N number of payment mechanism 301 being waken up each sends the second frequency for carrying self identification information Rate signal extremely transaction initiating terminal 302.For example, when being paid in supermarket, the POS in supermarket ceaselessly outwards send out by broadcast First frequency signal is sent, 3 carried in the crowd for payment of ranking (i.e. N=3) payment mechanism 301 receives first frequency It is waken up after rate signal, 3 be waken up payment mechanism 301, which is all sent, carries the second frequency signal of self identification information extremely The POS of supermarket, i.e.,：The 1st payment mechanism 301 being waken up sends and carries self identification information (the 1st identification information) For second frequency signal to supermarket's POS, the 2nd payment mechanism 301 being waken up, which is also sent, carries self identification information the (the 2nd Identification information) second frequency signal to supermarket's POS, the 3rd payment mechanism 301 being waken up also send carries itself mark The second frequency signal of information (the 3rd identification information) is known to supermarket's POS.Multiple payment mechanisms are waken up by first frequency signal 301, it can be that follow-up payment transaction is ready, save the time of payment.

In the present embodiment, second frequency signal is used for logical between the payment mechanism after being waken up and transaction initiating terminal Letter, the frequency of the frequency ＜ second frequency signals of first frequency signal.Specifically, the frequency range of second frequency signal is： 300MHz-2.4835GHz；Preferably, the frequency of second frequency signal be Bluetooth communication, institute in WiFi communication or Zigbee communication The frequency of the signal of communication of use.Because high-frequency signal is than low-frequency signal, it can load mass data, distortion Rate is small, strong interference immunity, therefore, using the second frequency signal of upper frequency can guarantee payment device 301 with transaction initiate Data communication quality and stability between terminal 302.In addition, the frequency of second frequency signal is employed in Bluetooth communication The frequency of signal of communication, the distance that bluetooth communication frequencies can communicate reach as high as 10 meters, it is ensured that payment mechanism 301 is in movement During stability with the communication for initiating terminal 302 of merchandising, realize it is remote pay, and save the time of payment.

In the present embodiment, the N number of payment mechanism 301 being waken up each sends the second frequency for carrying self identification information After rate signal to initiating terminal 302 of merchandising, transaction initiating terminal 302 receives the second frequency letter that N number of payment mechanism 301 is sent Number, obtain N number of identification information.

As a kind of optional embodiment of the present embodiment, subscriber authentication information includes：User biological characteristic information； Wherein, user biological characteristic information can be finger print information, iris information or face information, naturally it is also possible to be that other biologies are special Reference ceases.Initiating terminal 302 of merchandising obtains the subscriber authentication information of user's input, including：Transaction initiating terminal 302 detects To there are biological limbs to enter preset range, the biological information of biological limbs is gathered.For example, work as user biological characteristic information When being finger print information, transaction initiating terminal 302 has detected that finger touches transaction initiating terminal 302, gathers the fingerprint of finger Information.

In the present embodiment, user can input user biological characteristic information before N number of identification information is obtained, can also User biological characteristic information is inputted after N number of identification information is obtained, the present embodiment does not limit.

In the present embodiment, merchandising initiating terminal 302 can be by cable network or wireless network by subscriber authentication Information and N number of identification information are sent to background server 303.

As a kind of optional embodiment of the present embodiment, transaction initiating terminal 302 can utilize encryption key to user After authentication information and N number of identification information are encrypted, subscriber authentication information and the ciphertext of N number of identification information are sent To background server 303.For example, transaction initiating terminal 302 can utilize the public key of background server 303 to subscriber authentication After information and N number of identification information are encrypted, the ciphertext of subscriber authentication information and N number of identification information is sent to backstage and taken Business device 303.Transaction initiating terminal 302 transmits the subscriber authentication information after encryption and N number of identification information to background service Device 303, it is ensured that the safety of subscriber authentication information and N number of identification information in transmitting procedure.

As a kind of optional embodiment of the present embodiment, in transaction initiating terminal 302 by subscriber authentication information and N Individual identification information is sent to before background server 303, in addition to：Transaction initiating terminal 302 and background server 303 establish letter Cease escape way.Wherein, merchandise initiating terminal 302 and background server 303 can establish information peace one of in the following manner Full tunnel：

Mode one：Initiating terminal 302 of merchandising generates random number R 1, using the public key of background server 303 to random number R 1 Encryption generation R1 ciphertext, and R1 ciphertext is sent to background server 303；Background server 303 is using private key to R1's Ciphertext decryption obtains R1, and generates random number R 2, using R1 and R2 generation transmission keys, and utilizes initiating terminal 302 of merchandising Public key encrypts generation R2 ciphertext to random number R 2, and R2 ciphertext is sent to transaction initiating terminal 302；Transaction initiating terminal 302 obtain R2 using private key decryption R2 ciphertext, utilize R1 and R2 generation transmission keys.

Mode two：Initiating terminal 302 of merchandising generates random number R 1, using the public key of background server 303 to random number R 1 Encryption generation R1 ciphertext, and R1 ciphertext is sent to background server 303；Background server 303 is using private key to R1's Ciphertext decryption obtains R1, and generates random number R 2, using R1 and R2 generation transmission keys, and utilizes initiating terminal 302 of merchandising Public key is encrypted key is transmitted, and the transmission key after encryption is sent to transaction initiating terminal 302；Transaction initiating terminal 302 obtain transmission key using private key decryption.

In the present embodiment, background server 303 is specifically used for：In the identification information and authentication information being locally stored It is middle that N number of each self-corresponding authentication information of identification information is searched according to identification information and the corresponding relation of authentication information, N number of authentication information is obtained, the target identities with subscriber authentication information match are determined in N number of authentication information Checking information, using identification information corresponding to target identities checking information as target identification information；Or in the mark being locally stored Know in information and authentication information and subscriber authentication letter is searched according to identification information and the corresponding relation of authentication information Identification information corresponding to breath, target identification information, target identification information and the user's body found out are determined in N number of identification information Identification information corresponding to part checking information matches.Believe specifically, storing identification information in background server 303 with authentication The corresponding relation of breath, background server 303 search N number of mark letter from identification information and the corresponding relation of authentication information Cease each self-corresponding authentication information, obtain N number of authentication information, and determine in above-mentioned N number of authentication information with The target identities checking information of subscriber authentication information match, using identification information corresponding to target identities checking information as Target identification information.For example, background server 303 obtains subscriber authentication information and 3 identification informations, wherein, the 1st pays It is the 1st identification information corresponding to device, is the 2nd identification information corresponding to the 2nd payment mechanism, is the 3rd corresponding to the 3rd payment mechanism Identification information, background server 303 search 3 from the identification information and the corresponding relation of authentication information prestored Each self-corresponding authentication information of identification information, obtains 3 authentication informations, and judges 3 authentication informations respectively Whether matched with subscriber authentication information, if authentication information corresponding to the 3rd identification information is believed with subscriber authentication Breath matching, then the 3rd identification information is target identification information.Certainly, background server 303 also can be from the authentication information of storage In, the authentication information with subscriber authentication information match is identified, and according to identification information and authentication information Corresponding relation, search corresponding with the authentication information of subscriber authentication information match identification information, the mark is believed Breath is target identification information.

As a kind of optional embodiment of the present embodiment, subscriber authentication information includes：User biological characteristic information； Target identities checking information of the background server 303 in N number of authentication information with subscriber authentication information match, bag Include：Background server 303 judges whether N number of authentication information and the matching rate of user biological characteristic information are more than first respectively Preset value, if the authentication information and the matching rate of user biological characteristic information in N number of authentication information are more than First preset value, it is determined that the authentication information and subscriber authentication information matches；Wherein, the first preset value is less than second Preset value, the second preset value are used for the matching rate for indicating that two biological informations are same biological information.Specifically, User biological characteristic information can be iris information, finger print information, venous information or face image of user etc., naturally it is also possible to It is other biological informations, the present embodiment is not specifically limited.

As a kind of optional embodiment of the present embodiment, background server 303 is determined in N number of identification information and user Before the target identities checking information that authentication information matches, including：Background server 303 is using decruption key to user After authentication information and the ciphertext of N number of identification information are decrypted, subscriber authentication information and N number of identification information are obtained. Wherein, decruption key and above-mentioned encryption key can be symmetric key or unsymmetrical key.For example, background server After 303 the ciphertext of subscriber authentication information and N number of identification information is decrypted using the private key of itself, user identity is obtained Checking information and N number of identification information.

In the present embodiment, the identification information that background server 303 is returned by the N number of payment mechanism 301 being waken up And the subscriber authentication information that user inputs in transaction initiating terminal 302, to determine merchandise initiating terminal 302 and N number of Which of device 301 payment mechanism 301 is paid to be traded, can avoid the payment mechanism 301 that need not be traded all with Transaction initiating terminal 302 is traded.

In the present embodiment, background server 303 sends target identification information to transaction initiating terminal 302, transaction Initiating terminal 302 receives target identification information, it is determined that payment mechanism 301 corresponding with target identification information is traded.For example, When 3rd identification information is target identification information, background server 303 sends the 3rd identification information to transaction initiating terminal 302, Initiating terminal 302 of merchandising receives the 3rd identification information, and determines that 3rd payment mechanism 301 corresponding with the 3rd identification information is handed over Easily.

By the system of above-mentioned determination payment mechanism, using the first frequency signal of lower frequency transaction can be made to initiate eventually End can be waken up with it at a distance of a range of payment mechanism, prevent distance transaction initiating terminal farther out, need not currently enter The payment mechanism of row transactional operation is by false wake-up；Device can be guaranteed payment with merchandising using the second frequency signal of upper frequency Data communication quality and stability between initiating terminal；The mark that background server is returned by the N number of payment mechanism being waken up The subscriber authentication information of information and user in transaction initiating terminal input is known, to determine merchandise initiating terminal and N number of Pay which of device payment mechanism to be traded, the payment mechanism that can avoid being traded all is initiated eventually with transaction End is traded.Compared with prior art, device contact direction, the position with initiating terminal of merchandising of the invention of need not guaranteeing payment Or whether speed is correctly with properly, need to only make payment mechanism positioned at the first frequency signal cover of transaction initiating terminal broadcast It is interior, you can it is determined that being traded with which payment mechanism.

Embodiment 4

The present embodiment provides a kind of transaction system.The system block diagram for the transaction system that the present embodiment provides carries with embodiment 3 The system block diagram of the determination payment mechanism 301 of confession is identical, reference can be made to Fig. 3, the transaction system that the present embodiment provides includes：N number of Pay device 301, transaction initiating terminal 302 and background server 303.Wherein, transaction initiating terminal 302, for broadcasting the first frequency Rate signal, first frequency signal are used to wake up the payment mechanism 301 in first frequency signal cover；It is N number of to pay dress 301 are put, for being waken up according to the first frequency signal received, wherein, N is positive integer；It is additionally operable to each send and carries The second frequency signal of self identification information extremely transaction initiating terminal 302, wherein, second frequency signal is used for the branch after being waken up The communication that device 301 is paid between initiating terminal 302 of merchandising, the frequency of the frequency ＜ second frequency signals of first frequency signal； Transaction initiating terminal 302, is additionally operable to receive the second frequency signal that N number of payment mechanism 301 is each sent, and obtains N number of mark letter Breath；It is additionally operable to obtain the subscriber authentication information of user's input；It is additionally operable to subscriber authentication information and N number of identification information Send to background server 303；Background server 303, for determining target identification information from N number of identification information, and send Target identification information extremely transaction initiating terminal 302, wherein, target identification information and subscriber authentication information match；Transaction Initiating terminal 302, it is additionally operable to receive target identification information, and the second frequency signal for carrying Transaction Information is sent to target mark Know payment mechanism corresponding to information.Payment mechanism 301 corresponding to target identification information, the of Transaction Information is carried for receiving Two frequency signals, and processing generation checking data are carried out to Transaction Information, and the second frequency signal that checking data will be carried Send to transaction initiating terminal 302；Transaction initiating terminal 302, it is additionally operable to receive the second frequency signal for carrying checking data, And checking data and Transaction Information are sent to background server 303；Background server 303, it is additionally operable to carry out checking data Checking, and after being verified, transaction is performed according to Transaction Information.

In the present embodiment, background server 303 is specifically used for：In the identification information and authentication information being locally stored It is middle that N number of each self-corresponding authentication information of identification information is searched according to identification information and the corresponding relation of authentication information, N number of authentication information is obtained, the target identities with subscriber authentication information match are determined in N number of authentication information Checking information, using identification information corresponding to target identities checking information as target identification information；Or in the mark being locally stored Know in information and authentication information and subscriber authentication letter is searched according to identification information and the corresponding relation of authentication information Identification information corresponding to breath, target identification information, target identification information and the user's body found out are determined in N number of identification information Identification information corresponding to part checking information matches.

Specifically, identification information and the corresponding relation of authentication information, background server are stored in background server 303 303 from identification information and the corresponding relation of authentication information, searches each self-corresponding authentication letter of N number of identification information Breath, N number of authentication information is obtained, and determined and subscriber authentication information match in above-mentioned N number of authentication information Target identities checking information, using identification information corresponding to target identities checking information as target identification information.For example, backstage Server 303 obtains subscriber authentication information and 3 identification informations, wherein, it is the 1st mark letter corresponding to the 1st payment mechanism Breath, it is the 2nd identification information corresponding to the 2nd payment mechanism, is the 3rd identification information corresponding to the 3rd payment mechanism, background server 303 from the identification information and the corresponding relation of authentication information prestored, searches each self-corresponding body of 3 identification informations Part checking information, obtains 3 authentication informations, and judge that 3 authentication informations and subscriber authentication information are respectively No matching, if authentication information and subscriber authentication information matches that the 3rd identification information is corresponding, the 3rd identification information For target identification information.

Certainly, background server 303 can also identify and subscriber authentication information from the authentication information of storage The authentication information to match, and tested according to identification information and the corresponding relation of authentication information, lookup with user identity Identification information corresponding to the authentication information of information match is demonstrate,proved, the identification information is target identification information.

In the present embodiment, background server 303 sends target identification information to transaction initiating terminal 302, transaction Initiating terminal 302 receives target identification information, it is determined that payment mechanism 301 corresponding with target identification information is traded, and will The second frequency signal for carrying Transaction Information is sent to payment mechanism 301 corresponding to target identification information.For example, the 3rd mark When information is target identification information, the 3rd identification information is sent to transaction initiating terminal 302, transaction and initiated by background server 303 Terminal 302 receives the 3rd identification information, and determines that 3rd payment mechanism 301 corresponding with the 3rd identification information is traded.

In the present embodiment, payment mechanism 301 corresponding to target identification information carries out processing generation checking to Transaction Information Data, including one of in the following manner：

Mode one：Payment mechanism 301 corresponding to target identification information is carried out using the private key that itself is stored to Transaction Information Signature calculation generation signed data is as checking data；

Mode two：Payment mechanism 301 Transaction Information is encrypted meter using transaction key corresponding to target identification information Generation encryption data is calculated as checking data；

Mode three：Payment mechanism 301 corresponding to target identification information carries out school using check key of merchandising to Transaction Information Calculating generation check value is tested as checking data；

Mode four：Payment mechanism 301 Transaction Information is encrypted meter using transaction key corresponding to target identification information Generation encryption data is calculated, and verification calculating generation check value is carried out to encryption data as checking number using check key is merchandised According to.

In the present embodiment, background server 303 is verified to checking data, including one of in the following manner：

Mode one：Background server 303 is using the public key of payment mechanism 301 corresponding to target identification information to verifying data Carry out sign test；

Mode two：Background server 303 is decrypted to obtain ciphertext data using transaction key to checking data, and compares Whether ciphertext data and the Transaction Information received are identical；Or background server 303 utilizes friendship of the transaction key to receiving Whether easy information is encrypted calculating, and the Transaction Information of the encryption is compared with the checking data received identical；

Mode three：Background server 303 carries out verification to the Transaction Information received using check key of merchandising and calculated To check value, and whether the obtained check value of contrast conting and the check value that receives are identical；

Mode four：The Transaction Information received, which is encrypted, using transaction key to be calculated for background server 303 adds Close Transaction Information, and verification calculating generation check value is carried out to the Transaction Information of the encryption using check key is merchandised, and compare It is whether identical to the check value that check value is calculated with receives.Background server 303 by checking data verify, It can prevent illegal molecule from distorting Transaction Information, ensure transaction initiating terminal 302 payment mechanism corresponding with target identification information The security of transaction.

By above-mentioned transaction system, using the first frequency signal of lower frequency transaction initiating terminal can be enable to wake up With it at a distance of a range of payment mechanism, prevent distance transaction initiating terminal farther out, need not currently be traded operation Payment mechanism by false wake-up；Using the second frequency signal of upper frequency can guarantee payment device with transaction initiating terminal it Between data communication quality and stability；Identification information that background server is returned by N number of payment mechanism for being waken up and The subscriber authentication information that user inputs in transaction initiating terminal, come in determine to merchandise initiating terminal and N number of payment mechanism Which payment mechanism is traded, and the payment mechanism that can avoid being traded all is handed over transaction initiating terminal Easily.Compared with prior art, the device of the invention that need not guarantee payment is with contact direction, position or the speed for initiating terminal of merchandising It is no correctly to be merchandised with, only payment mechanism properly be located in the first frequency signal cover that initiating terminal is broadcasted, you can Transaction is completed, it is user-friendly.In addition, background server to checking data by being verified, it is ensured that transaction is initiated Terminal and the security of the payment mechanism transaction determined.

Any process or method described otherwise above description in flow chart or herein is construed as, and represents to include Module, fragment or the portion of the code of the executable instruction of one or more the step of being used to realize specific logical function or process Point, and the scope of the preferred embodiment of the present invention includes other realization, wherein can not press shown or discuss suitable Sequence, including according to involved function by it is basic simultaneously in the way of or in the opposite order, carry out perform function, this should be of the invention Embodiment person of ordinary skill in the field understood.

It should be appreciated that each several part of the present invention can be realized with hardware, software, firmware or combinations thereof.Above-mentioned In embodiment, software that multiple steps or method can be performed in memory and by suitable instruction execution system with storage Or firmware is realized.If, and in another embodiment, can be with well known in the art for example, realized with hardware Any one of row technology or their combination are realized：With the logic gates for realizing logic function to data-signal Discrete logic, have suitable combinational logic gate circuit application specific integrated circuit, programmable gate array (PGA), scene Programmable gate array (FPGA) etc..

Those skilled in the art are appreciated that to realize all or part of step that above-described embodiment method carries Suddenly be can by program come instruct correlation hardware complete, program can be stored in a kind of computer-readable recording medium In, the program upon execution, including one or a combination set of the step of embodiment of the method.

In addition, each functional unit in each embodiment of the present invention can be integrated in a processing module, can also That unit is individually physically present, can also two or more units be integrated in a module.Above-mentioned integrated mould Block can both be realized in the form of hardware, can also be realized in the form of software function module.If integrated module with The form of software function module realize and be used as independent production marketing or in use, can also be stored in one it is computer-readable Take in storage medium.

Storage medium mentioned above can be read-only storage, disk or CD etc..

In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show The description of example " or " some examples " etc. means specific features, structure, material or the spy for combining the embodiment or example description Point is contained at least one embodiment or example of the present invention.In this manual, to the schematic representation of above-mentioned term not Necessarily refer to identical embodiment or example.Moreover, specific features, structure, material or the feature of description can be any One or more embodiments or example in combine in an appropriate manner.

Although embodiments of the invention have been shown and described above, it is to be understood that above-described embodiment is example Property, it is impossible to limitation of the present invention is interpreted as, one of ordinary skill in the art is not departing from the principle and objective of the present invention In the case of above-described embodiment can be changed within the scope of the invention, change, replace and modification.The scope of the present invention By appended claims and its equivalent limit.

Claims

A kind of 1. method for determining payment mechanism, it is characterised in that：

Initiating terminal of merchandising broadcasts first frequency signal, and the first frequency signal, which is used to wake up, is located at the first frequency signal Payment mechanism in coverage；

The N number of payment mechanism for receiving the first frequency signal is waken up, wherein, N is positive integer；

N number of payment mechanism, which is each sent, to be carried the second frequency signal of self identification information to the transaction and initiates eventually End, wherein, the second frequency signal is for logical between the payment mechanism after described be waken up and the transaction initiating terminal Letter, the frequency of second frequency signal described in the frequency ＜ of the first frequency signal；

The transaction initiating terminal receives the second frequency signal that N number of payment mechanism is each sent, and obtains N number of mark Information；

The transaction initiating terminal obtains the subscriber authentication information of user's input；

The transaction initiating terminal sends the subscriber authentication information and N number of identification information to background server；

The background server determines target identification information from N number of identification information, and sends the target identification information To the transaction initiating terminal, wherein, the target identification information and the subscriber authentication information match；

The transaction initiating terminal receives the target identification information, it is determined that payment mechanism corresponding with the target identification information It is traded.
A kind of 2. method of commerce, it is characterised in that including：

Initiating terminal of merchandising broadcasts first frequency signal, and the first frequency signal, which is used to wake up, is located at the first frequency signal Payment mechanism in coverage；

The N number of payment mechanism for receiving the first frequency signal is waken up, wherein, N is positive integer；

N number of payment mechanism, which is each sent, to be carried the second frequency signal of self identification information to the transaction and initiates eventually End, wherein, the second frequency signal is for logical between the payment mechanism after described be waken up and the transaction initiating terminal Letter, the frequency of second frequency signal described in the frequency ＜ of the first frequency signal；

The transaction initiating terminal receives the second frequency signal that N number of payment mechanism is each sent, and obtains N number of mark Information；

The transaction initiating terminal obtains the subscriber authentication information of user's input；

The transaction initiating terminal sends the subscriber authentication information and N number of identification information to background server；

The background server determines target identification information from N number of identification information, and sends the target identification information To the transaction initiating terminal, wherein, the target identification information and the subscriber authentication information match；

The transaction initiating terminal receives the target identification information, by the second frequency signal for carrying Transaction Information send to Payment mechanism corresponding to the target identification information；

The second frequency signal of Transaction Information is carried described in payment mechanism reception corresponding to the target identification information, to described Transaction Information carries out processing generation checking data, and the second frequency signal for carrying the checking data is sent to the friendship Easy initiating terminal；

The transaction initiating terminal receives the second frequency signal for carrying the checking data, by the checking data and described Transaction Information is sent to the background server；

The background server is verified to the checking data, and after being verified, is performed according to the Transaction Information Transaction.
3. method according to claim 1 or 2, it is characterised in that：

The frequency range of the first frequency signal is：100KHz-100MHz；

The frequency range of the second frequency signal is：300MHz-2.4835GHz.
4. according to the method described in any one of claims 1 to 3, it is characterised in that receive the N number of of the first frequency signal The implementation method that any one payment mechanism in payment mechanism is waken up, including：

The payment mechanism for receiving the first frequency signal determines that the first frequency signal carries wake-up characteristic information, institute Payment mechanism is stated to be waken up.
5. according to the method described in any one of Claims 1-4, it is characterised in that the background server is in the following manner Target identification information is determined from N number of identification information：

The background server is in the identification information and authentication information being locally stored according to identification information and authentication The corresponding relation of information searches N number of each self-corresponding authentication information of identification information, obtains N number of authentication information, The target identities checking information with the subscriber authentication information match is determined in N number of authentication information, will Identification information is as target identification information corresponding to the target identities checking information；

Or the background server in the identification information and authentication information being locally stored according to identification information and identity The corresponding relation of checking information searches identification information corresponding to the subscriber authentication information, in N number of identification information Determine target identification information, target identification information identification information corresponding with the subscriber authentication information found out Match.
6. a kind of system for determining payment mechanism, it is characterised in that the system includes：

Transaction initiating terminal, for broadcasting first frequency signal, the first frequency signal is used to wake up positioned at the described first frequency Payment mechanism in rate signal cover；

N number of payment mechanism, for being waken up according to the first frequency signal received, wherein, N is positive integer；It is additionally operable to The second frequency signal for carrying self identification information is each sent to the transaction initiating terminal, wherein, the second frequency The communication that signal is used between the payment mechanism after described be waken up and the transaction initiating terminal, the first frequency signal The frequency of second frequency signal described in frequency ＜；

The transaction initiating terminal, it is additionally operable to receive the second frequency signal that N number of payment mechanism is each sent, obtains N number of identification information；It is additionally operable to obtain the subscriber authentication information of user's input；It is additionally operable to the subscriber authentication information Sent with N number of identification information to background server；

The background server, for determining target identification information from N number of identification information, and send the target identification Information to the transaction initiating terminal, wherein, the target identification information and the subscriber authentication information match；

The transaction initiating terminal, it is additionally operable to receive the target identification information, it is determined that corresponding with the target identification information Payment mechanism is traded.
A kind of 7. transaction system, it is characterised in that including：

Transaction initiating terminal, for broadcasting first frequency signal, the first frequency signal is used to wake up positioned at the described first frequency Payment mechanism in rate signal cover；

N number of payment mechanism, for being waken up according to the first frequency signal received, wherein, N is positive integer；It is additionally operable to The second frequency signal for carrying self identification information is each sent to the transaction initiating terminal, wherein, the second frequency The communication that signal is used between the payment mechanism after described be waken up and the transaction initiating terminal, the first frequency signal The frequency of second frequency signal described in frequency ＜；

The transaction initiating terminal, it is additionally operable to receive the second frequency signal that N number of payment mechanism is each sent, obtains N number of identification information；It is additionally operable to obtain the subscriber authentication information of user's input；It is additionally operable to the subscriber authentication information Sent with N number of identification information to background server；

The background server, for determining target identification information from N number of identification information, and send the target identification Information to the transaction initiating terminal, wherein, the target identification information and the subscriber authentication information match；

The transaction initiating terminal, it is additionally operable to receive the target identification information, and the second frequency for carrying Transaction Information is believed Number send to payment mechanism corresponding to the target identification information；

Payment mechanism corresponding to the target identification information, for receiving the second frequency signal for carrying Transaction Information, And processing generation checking data are carried out to the Transaction Information, and the second frequency signal for carrying the checking data is sent To the transaction initiating terminal；

The transaction initiating terminal, it is additionally operable to receive the second frequency signal for carrying the checking data, and by the checking Data and the Transaction Information are sent to the background server；

The background server, it is additionally operable to verify the checking data, and after being verified, is believed according to the transaction Breath performs transaction.
8. the system according to claim 6 or 7, it is characterised in that

The frequency range of the first frequency signal is：100KHz-100MHz；

The frequency range of the second frequency signal is：300MHz-2.4835GHz.
9. according to the system described in any one of claim 6 to 8, it is characterised in that any payment in N number of payment mechanism Device, carry specifically for the first frequency signal for determining to receive and be waken up after waking up characteristic information.
10. according to the system described in any one of claim 6 to 9, it is characterised in that the background server is specifically used for：

According to identification information and the corresponding relation of authentication information in the identification information and authentication information being locally stored Each self-corresponding authentication information of N number of identification information is searched, obtains N number of authentication information, is tested in N number of identity The target identities checking information determined in information with the subscriber authentication information match is demonstrate,proved, the target identities are verified Identification information is as target identification information corresponding to information；

It is or corresponding with authentication information according to identification information in the identification information and authentication information being locally stored Relation searches identification information corresponding to the subscriber authentication information, and target identification letter is determined in N number of identification information Breath, target identification information identification information corresponding with the subscriber authentication information found out match.