CN108334927B - NFC (near field communication) receipt tag and payment method thereof - Google Patents
NFC (near field communication) receipt tag and payment method thereof Download PDFInfo
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
- G06K19/07745—Mounting details of integrated circuit chips
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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Abstract
The application relates to the field of information security, in particular to an NFC (near field communication) order-receiving tag and a payment method thereof. The NFC order receiving tag comprises an NFC module and a security chip; the NFC module is used for carrying out data transmission with the mobile equipment when the mobile equipment is close to the NFC module, so that a user independently completes mobile payment; a random number generator is arranged in the security chip and used for generating a signed verification code; NFC label information and a root key of a card issuer are also stored, and an NFC acquiring label private key generated by calculating the root key by using an asymmetric algorithm is stored. By adopting the technical scheme, the safety level of the existing order receiving terminal can be improved under the condition of low cost, the operation is simple and convenient, the operation links can be reduced in payment, and the payment efficiency is improved.
Description
Technical Field
The application relates to the field of information security, in particular to an NFC (near field communication) order-receiving tag and a payment method thereof.
Background
The existing mobile payment market technologies are many, and have advantages and disadvantages in two-dimensional code payment, audio payment, fingerprint payment, face brushing payment, NFC payment, magnetic stripe payment, iris payment and the like. The two-dimensional code technology is low in popularization cost, so that all manufacturers are in strong subsidy popularization, and the development speed is the fastest; NFC technology has the fastest payment experience, longest service time and highest security level. However, the existing terminal products are inconvenient to carry due to higher cost, so that market atrophy is serious.
The existing NFC payment terminal and two-dimension code payment are popular, the NFC payment terminal takes POS as an example, is divided into the traditional POS, intelligent POS, M-POS, hand brush and other forms, has large and small volumes and complete functions, and is used in middle-grade and high-grade occasions. The cost is generally between 100 yuan and 1000 yuan, the functions are complete, the volume is larger than that of the two-dimensional code, charging is needed, and the payment can be completed by the joint operation of a merchant and a customer. The two-dimensional code payment can be a receipt terminal by using one piece of paper, but the two-dimensional code is static and has lower safety.
Disclosure of Invention
Based on the defects of the existing product, the application provides an NFC order-receiving tag and a payment method thereof.
The technical scheme that this application adopted is: an NFC order receiving tag comprises an NFC module and a security chip;
the NFC module is used for carrying out data transmission with the mobile equipment when the mobile equipment is close to the NFC module, so that a user independently completes mobile payment;
a random number generator is arranged in the security chip and used for generating a dynamic code; NFC label information and a root key of a card issuer are also stored, and an NFC acquiring label private key generated by calculating the root key by using an asymmetric algorithm is stored.
Preferably, the NFC tag information includes a URL link stored therein, where the URL link includes a bank payment URL, a merchant identifier, and a dynamic code.
Preferably, the security chip is further configured to generate a dynamic code by using a random number generator inside the chip after the NFC acquiring tag is activated, update a URL link in the NFC tag information by using the dynamic code, and encrypt the NFC tag information by using the NFC acquiring tag private key to obtain encrypted data.
Preferably, the security chip further stores an encryption algorithm agreed with the bank server in advance, and the encryption algorithm is used for generating the dynamic code.
A payment method of an NFC acquirer tag, comprising:
activating the NFC acquiring label after the mobile equipment is close to the NFC acquiring label;
step S1: generating a dynamic code by the NFC acquiring tag, updating NFC tag information by using the dynamic code, and encrypting the updated NFC tag information to obtain encrypted data;
step S2: the mobile equipment reads the encrypted data in the NFC receipt tag and decrypts the encrypted data to obtain NFC tag information;
step S3: the mobile equipment encrypts NFC label information and transaction information to generate a payment request and sends the payment request to a bank server;
step S4: and the bank server decrypts the payment request, verifies whether the dynamic code in the NFC label information obtained by decryption is correct, if so, executes the deduction operation, and otherwise returns error information.
Preferably, step S1 further includes:
step S01: the mobile equipment encrypts account data in a preset encoding format by utilizing a public key corresponding to the NFC acquiring tag private key to obtain encrypted account data;
step S02: activating the NFC acquiring tag, reading encrypted account data in the mobile device, decrypting by applying an NFC acquiring tag private key, judging whether decryption is successful, if so, executing step S03, otherwise, returning error information to the mobile device;
step S03: and the NFC order receiving tag verifies whether the account data obtained through decryption accords with a preset encoding format, if so, the step S1 is executed, and otherwise, error information is returned to the mobile equipment.
Preferably, the NFC acquiring tag generates a dynamic code, and updates NFC tag information using the dynamic code, specifically: and generating a dynamic code inside the NFC order receiving tag, and updating the URL link in the NFC tag information by using the dynamic code.
Preferably, the generated dynamic code is specifically calculated according to the current time or the current count value in a preset counter, so as to obtain the dynamic code.
Preferably, the step S3 specifically includes:
the mobile equipment receives transaction amount input by a user, encrypts merchant account information, dynamic codes and transaction information consisting of payment account information, transaction time and transaction amount input by the user in the NFC tag information obtained through decryption, and generates a payment request;
and the mobile equipment sends the payment request to a bank server corresponding to the URL link in the NFC order receiving label information.
Preferably, the bank server verifies whether the dynamic code in the decrypted NFC tag information is correct, specifically: the bank server is internally provided with a verification device corresponding to the random number generator in the NFC order receiving tag, and the verification device verifies the dynamic code when in each transaction.
The beneficial effect that this application obtained is: according to the invention, the NFC order receiving label is adopted, so that the security level of the existing order receiving terminal can be improved under the condition of low cost, the operation is simple and convenient, the operation links can be reduced in payment, and the payment efficiency is improved.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following description will briefly introduce the drawings that are required to be used in the embodiments or the description of the prior art, and it is obvious that the drawings in the following description are only some embodiments described in the present application, and other drawings may also be obtained according to these drawings for a person having ordinary skill in the art.
Fig. 1 is a diagram of an NFC acquiring tag device according to an embodiment of the present application;
fig. 2 is a system diagram of a payment system using NFC acquiring tags according to a second embodiment of the present application;
fig. 3 is a flowchart of a working method of an NFC acquiring tag payment method provided in the third embodiment of the present application;
fig. 4 is a flowchart of another working method of the NFC acquiring tag payment method provided in the third embodiment of the present application.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are some, but not all embodiments of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
The mobile device mentioned in the present invention refers to a mobile terminal device with NFC function, such as a mobile phone, a conventional POS, a smart POS, an M-POS, etc.
Example 1
The first embodiment of the present invention provides an NFC acquiring tag 10, as shown in fig. 1, including an NFC module 101 and a security chip 102;
the NFC module 101 is configured to perform data transmission with a mobile device when the mobile device is proximate;
the security chip 102 is provided with a random number generator and a counter, the random number generator is used for generating a random number, the counter is added with one after each transaction, and the random number and the accumulated count of the counter are combined and used for generating a dynamic code; NFC tag information, a root key of a card issuer and an NFC acquiring tag private key generated by calculating the root key by using an asymmetric algorithm are also stored.
The NFC tag information 101 stores a URL link, and includes, but is not limited to, merchant information, tag type, validity period, issuer information, encryption algorithm information, and the like; the URL link includes a bank payment URL, a merchant identification, and a dynamic code.
The security chip 102 is further configured to generate a dynamic code by using a random number generator inside the chip after the NFC acquiring tag is activated, update a URL link in the NFC tag information by using the dynamic code, and encrypt the NFC tag information by using the NFC acquiring tag private key to obtain encrypted data. The security chip 102 also stores an encryption algorithm and an encryption factor which are pre-assigned with a bank server;
when the NFC acquiring label leaves a factory, a bank server calculates a bank root key according to a key dispersion algorithm in advance to generate a key pair, a private key is stored in the bank server, a public key is sent to the NFC acquiring label for storage, the NFC acquiring label generates a random number in the payment process, an encryption algorithm is applied to calculate the random number, the accumulated count of a counter and an encryption factor by using the public key, and a dynamic code is generated; after the dynamic code reaches the bank server, the bank server uses the random number generated by the internal random number generator, an encryption algorithm is applied to calculate the random number and the encryption factor by using the private key, the dynamic code is verified, and the verification is legal operation.
Example two
A second embodiment of the present invention provides a payment system using NFC acquiring tag, as shown in fig. 2, including: NFC acquirer tag 10, mobile device 11, and bank server 12 in the first embodiment;
a mobile device 11 comprising a data transmission module 111 and a security module 112;
the data transmission module 111 is configured to read encrypted data obtained by encrypting NFC tag information in the NFC acquiring tag, and transmit a payment request to the bank server;
a security module 112, configured to verify validity of the NFC acquiring tag, and generate a payment request according to the NFC tag information and the transaction information;
a bank server 12 including a verification module 121 and a transaction module 122;
a verification module 121, configured to verify validity of NFC tag information in the payment request;
the transaction module 122 is used for executing the deduction operation after the verification is passed.
The security module 112 is specifically configured to verify the validity of the NFC acquiring tag, and decrypt the encrypted data by using a public key corresponding to the private key of the NFC acquiring tag, so as to determine whether the decryption is successful.
The security module 112 is configured to generate a payment request according to the NFC tag information and the transaction information, and specifically configured to receive a transaction amount input by a user, encrypt the NFC tag information and the transaction information obtained by decryption by applying a public key corresponding to a bank private key, and generate the payment request.
The verification module 121 is specifically configured to decrypt the payment request by applying the bank private key, and verify whether the dynamic code in the NFC tag information is correct after the decryption is successful.
The security module 112 is further configured to encrypt account data in a preset encoding format by using a public key corresponding to the NFC acquiring tag private key, so as to obtain encrypted account data; the security chip 102 further includes a storage module, configured to decrypt the encrypted account data in the mobile device by applying the NFC acquiring tag private key after the encrypted account data is read by the NFC module, and verify whether the format of the decrypted account data is correct.
Example III
Based on the NFC acquiring tag and the payment method thereof provided in the first embodiment and the second embodiment, the payment method of the NFC acquiring tag in the third embodiment of the present invention is described in detail;
the payment method of the NFC order receiving tag is applied to a system comprising the NFC order receiving tag, mobile equipment and a bank server, and as shown in figure 3, the payment method comprises the following steps:
in this embodiment, the security chip of the NFC acquiring tag stores NFC acquiring tag information therein; the NFC tag information is stored with a URL link and comprises, but is not limited to, merchant information, tag type, validity period, card issuer information and encryption algorithm information; the URL link includes a bank payment URL, a merchant identification, and a dynamic code.
URL links are exemplified as follows:
http://www.XXXX.com.cn/pay/key＝XXXXXX&ran＝YYYY；
wherein: http:// www.XXXX.com.cn/pay/is a bank cash register URL; key=xxxxx is a merchant identification, each merchant being different; ran=yyyyy is the content that increases at the tail after the upgrade as a function of the number of transactions, i.e., the dynamic code.
When the NFC receipt tag leaves the factory, a root key of an issuer is written in a trusted environment, a key pair is generated by utilizing an asymmetric algorithm, a private key is stored in a security chip, and a public key is sent to mobile equipment for storage.
The following describes a specific payment process of the NFC acquiring tag in detail, specifically:
after the mobile device is close to the NFC order receiving tag, the NFC coil of the NFC module senses the mobile device and obtains current, and the NFC order receiving tag is activated;
step 201: after the NFC receipt tag is activated, a random number generator in the chip generates a dynamic code, the dynamic code is used for updating the URL link in the NFC tag information, and the NFC receipt tag private key is used for encrypting the NFC tag information to obtain encrypted data;
in this embodiment, the dynamic code generated by the random number generator may be calculated according to the current time or by obtaining the current count value in the preset counter, so as to obtain the dynamic code.
Step 202: the mobile device reads the encrypted data in the NFC receipt tag, decrypts the encrypted data by using a public key corresponding to the NFC receipt tag private key, judges whether the decryption can be successful, if so, executes step 203, otherwise prompts error information;
step 203: the mobile equipment receives transaction amount input by a user, encrypts NFC tag information and transaction information obtained through decryption by applying a public key corresponding to a bank private key, and generates a payment request;
the NFC label information encrypted in the step comprises merchant account information and dynamic codes;
the payment information includes payment account information, transaction time, and transaction amount entered by the user.
Step 204: the mobile equipment sends a payment request to a bank server corresponding to a bank collection URL in the NFC receipt tag information;
the URL link in the NFC acquirer tag includes a bank payment URL: http:// www.XXXX.com.cn/pay/, sending the payment request to the bank server corresponding to the bank collection URL.
Step 205: after receiving the payment request, the bank server decrypts the payment request by using the bank private key, judges whether the decryption is successful, if so, executes step 206, otherwise returns error information to the mobile device;
step 206: the bank server decrypts the payment request to obtain NFC label information and transaction information, verifies whether the dynamic code in the NFC label information is correct, if so, executes step 207, otherwise returns error information to the mobile device;
specifically, verifying whether the dynamic code is correct or not includes: and the bank server internally maintains a verification device corresponding to the random number generator in the NFC order-receiving tag security chip, and the verification device is used for verifying the dynamic code generated during each transaction, and when verification is successful, the verification device indicates that the transaction is legal.
Step 207: and the bank server executes deduction operation according to the merchant account information in the NFC order receiving tag, the payment account information in the payment information and the transaction amount, generates a settlement log and informs the merchant and the user.
In this embodiment, the NFC acquiring tag is only used to provide terminal information, and no interactive authentication is performed, so that the method is convenient and quick, and simple and convenient to operate.
In the scheme, in order to be easy and convenient to operate and convenient to use, the NFC receipt tag is only used for providing NFC tag information for the mobile device, and the NFC receipt tag and the mobile device do not conduct interactive operation.
Further, in the following scheme, in order to make payment safer, the NFC acquiring tag and the mobile device mutually authenticate validity of each other, as shown in fig. 4, the specific operations are as follows (the following steps are added before step 201):
after the mobile device is close to the NFC order receiving tag, the NFC coil of the NFC module senses the mobile device and obtains current, and the NFC order receiving tag is activated.
Step 301: and the mobile equipment encrypts the account data in a preset encoding format by utilizing a public key corresponding to the NFC acquiring tag private key to obtain encrypted account data.
Based on the existing card making template of the bank, the preset coding format of the account data is as follows: TAG1: storing a 17-bit account, wherein the account is a code defined in a bank; TAG2: 12-bit passbook number; TAG3: a 4-bit credential type; TAG4: the reserved field is folded by a 40-bit chip.
Step 302: and activating the NFC order receiving tag, reading encrypted account data in the mobile device, decrypting by applying an NFC order receiving tag private key, judging whether decryption can be successful, if so, executing step 303, and otherwise, returning error information to the mobile device.
If the decryption is capable of obtaining plaintext, the success of the decryption is indicated.
Step 303: the NFC acquiring tag verifies whether the account data obtained by decryption accords with a preset encoding format, if so, step 201 is executed, and otherwise, error information is returned to the mobile device.
While preferred embodiments of the present application have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is therefore intended that the following claims be interpreted as including the preferred embodiments and all such alterations and modifications as fall within the scope of the application. It will be apparent to those skilled in the art that various modifications and variations can be made in the present application without departing from the spirit or scope of the application. Thus, if such modifications and variations of the present application fall within the scope of the claims and the equivalents thereof, the present application is intended to cover such modifications and variations.
Claims (9)
1. The NFC receipt tag is characterized by comprising an NFC module and a security chip;
the NFC module is used for carrying out data transmission with the mobile equipment when the mobile equipment is close to the NFC module, so that a user independently completes mobile payment;
a random number generator is arranged in the security chip and used for generating a dynamic code; the NFC label information and the root key of the card issuing party are stored, and the NFC acquiring label private key generated by calculating the root key by using an asymmetric algorithm is stored;
the NFC receipt tag is used for providing NFC tag information for the mobile device, the NFC receipt tag does not perform interactive operation with the mobile device, the NFC tag information stores a URL link, and the URL link comprises a bank receipt URL, a merchant identifier and a dynamic code;
the mobile equipment sends a payment request to a bank server corresponding to a bank collection URL in the NFC receipt tag information;
the bank server decrypts the payment request to obtain NFC label information and transaction information, and verifies whether the dynamic code in the NFC label information is correct or not to judge whether the transaction is legal or not.
2. The NFC acquiring tag of claim 1, wherein the security chip is further configured to generate a dynamic code by a random number generator inside the chip after the NFC acquiring tag is activated, update a URL link in the NFC tag information by using the dynamic code, and encrypt the NFC tag information by using the NFC acquiring tag private key to obtain encrypted data.
3. The NFC acquirer tag of claim 1, wherein the security chip further stores an encryption algorithm agreed with a bank server in advance for generating a dynamic code.
4. A payment method for an NFC acquirer tag, comprising:
activating the NFC acquiring label after the mobile equipment is close to the NFC acquiring label;
step S1: generating a dynamic code by the NFC acquiring tag, updating NFC tag information by using the dynamic code, and encrypting the updated NFC tag information to obtain encrypted data;
step S2: the mobile equipment reads the encrypted data in the NFC receipt tag and decrypts the encrypted data to obtain NFC tag information;
step S3: the mobile equipment encrypts NFC label information and transaction information to generate a payment request and sends the payment request to a bank server;
step S4: the bank server decrypts the payment request, verifies whether the dynamic code in the NFC label information obtained through decryption is correct, if so, executes the deduction operation, otherwise returns error information;
the NFC receipt tag is used for providing NFC tag information for the mobile device, the NFC receipt tag does not perform interactive operation with the mobile device, the NFC tag information stores a URL link, and the URL link comprises a bank receipt URL, a merchant identifier and a dynamic code.
5. The payment method of NFC acquiring tag according to claim 4, wherein before step S1, further includes:
step S01: the mobile equipment encrypts account data in a preset encoding format by utilizing a public key corresponding to the NFC acquiring tag private key to obtain encrypted account data;
step S02: activating the NFC acquiring tag, reading encrypted account data in the mobile device, decrypting by applying an NFC acquiring tag private key, judging whether decryption is successful, if so, executing step S03, otherwise, returning error information to the mobile device;
step S03: and the NFC order receiving tag verifies whether the account data obtained through decryption accords with a preset encoding format, if so, the step S1 is executed, and otherwise, error information is returned to the mobile equipment.
6. The payment method of the NFC acquirer tag according to claim 4, wherein a dynamic code is generated inside the NFC acquirer tag, and URL links in NFC tag information are updated using the dynamic code.
7. The payment method of the NFC acquiring tag according to any one of claims 4 to 6, wherein the generated dynamic code is specifically calculated according to a current time or a current count value obtained in a preset counter, so as to obtain the dynamic code.
8. The payment method of the NFC acquiring tag according to claim 4, wherein the step S3 specifically includes:
the mobile equipment receives transaction amount input by a user, encrypts merchant account information and dynamic codes in NFC label information obtained through decryption and transaction information consisting of payment account information, transaction time and transaction amount input by the user, and generates a payment request;
and the mobile equipment sends the payment request to a bank server corresponding to the URL link in the NFC order receiving tag information.
9. The payment method of the NFC acquiring tag of claim 4, wherein the bank server verifies whether the dynamic code in the decrypted NFC tag information is correct, specifically: the bank server is internally provided with a verification device corresponding to the random number generator in the NFC order receiving label, and the verification device verifies the dynamic code during each transaction.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810380781.XA CN108334927B (en) | 2018-04-25 | 2018-04-25 | NFC (near field communication) receipt tag and payment method thereof |
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| CN201810380781.XA CN108334927B (en) | 2018-04-25 | 2018-04-25 | NFC (near field communication) receipt tag and payment method thereof |
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| CN109102291B (en) * | 2018-08-15 | 2020-04-07 | 阿里巴巴集团控股有限公司 | Security control method and device for two-dimensional code payment |
| CN111092719B (en) * | 2018-10-23 | 2022-11-15 | 中国银联股份有限公司 | Label data refreshing method and system, payment method and system |
| CN111311249B (en) * | 2018-12-12 | 2023-06-30 | 中国银联股份有限公司 | Data processing method based on NFC label, system thereof and label collection terminal |
| CN117436119A (en) * | 2023-10-23 | 2024-01-23 | 拉卡拉支付股份有限公司 | Privacy protection method and device for digital wallet of user, electronic equipment and medium |
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| US20120101951A1 (en) * | 2010-10-22 | 2012-04-26 | Michael Li | Method and System for Secure Financial Transactions Using Mobile Communications Devices |
| US10861009B2 (en) * | 2014-04-23 | 2020-12-08 | Minkasu, Inc. | Secure payments using a mobile wallet application |
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| CN103501191A (en) * | 2013-08-21 | 2014-01-08 | 王越 | Mobile payment device and method thereof based on NFC technology |
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