CN115796859A - NFC-based payment method, system and storage medium - Google Patents

NFC-based payment method, system and storage medium Download PDF

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Publication number
CN115796859A
CN115796859A CN202310043239.6A CN202310043239A CN115796859A CN 115796859 A CN115796859 A CN 115796859A CN 202310043239 A CN202310043239 A CN 202310043239A CN 115796859 A CN115796859 A CN 115796859A
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server
user data
nfc
data information
equipment
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CN202310043239.6A
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CN115796859B (en
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王斌
唐盛
李能
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Livefan Information Technology Co ltd
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Livefan Information Technology Co ltd
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Abstract

The invention discloses a method, a system and a storage medium based on NFC payment, wherein the method comprises the following steps: establishing communication connection between the NFC equipment and the server and communication connection between the card swiping equipment and the server; the NFC equipment is used for generating encrypted user data information based on the user data information; after receiving a transaction request sent by a card swiping device, the NFC device sends encrypted user data information to the card swiping device; the card swiping equipment interacts with the server and sends the encrypted user data information and the order information to the server; the server verifies whether the NFC equipment is effective or not according to the encrypted user data information; when the NFC equipment is effective equipment, the server pays through a payment way according to the order information; and when the NFC equipment is invalid, the server stops the transaction.

Description

NFC-based payment method, system and storage medium
Technical Field
The invention relates to the technical field of electronic payment, in particular to a method, a system and a storage medium for payment based on NFC.
Background
NFC is an emerging technology, equipment (such as mobile phones) using the NFC technology can exchange data under the condition that the equipment is close to each other, the equipment is formed by integrating and evolving non-contact Radio Frequency Identification (RFID) and interconnection technology, the mobile payment, electronic ticketing, entrance guard, mobile identity identification, anti-counterfeiting and other applications are realized by utilizing a mobile terminal through integrating functions of an induction type card reader, an induction type card and point-to-point communication on a single chip, and an NFC module is implanted into a smart phone, so that wallets and cards of people can be liberated, the mobile payment technology is convenient and rapid to use, the market prospect is very bright, and the mobile payment technology has strong competitiveness in the field of mobile payment.
At present, some purses such as bank cards are bound for NFC payment in the market, then payment can be carried out by directly swiping the card on an NFC payment machine, the payment is really very convenient, but the situation that the payment is stolen can exist, so that the payment is really convenient by binding the modes such as the bank cards and the electronic purses by NFC, hidden dangers are left, and property loss of users can be caused.
Disclosure of Invention
The invention mainly aims to provide a payment method based on NFC, and aims to solve the problem that NFC equipment has the risk of being embezzled.
In order to achieve the purpose, the technical scheme adopted by the invention is as follows:
the invention provides a payment method based on NFC in a first aspect, which comprises the following steps:
establishing communication connection between the NFC equipment and the server and communication connection between the card swiping equipment and the server; the NFC equipment is used for generating user data information and payment route information, wherein the server stores the user data information and the payment route, and the NFC equipment stores encrypted user data information generated based on the user data information;
after the NFC equipment receives a transaction request sent by the card swiping equipment, sending the encrypted user data information to the card swiping equipment;
the card swiping equipment interacts with the server and sends the encrypted user data information and the order information to the server;
the server verifies whether the NFC equipment is effective or not according to the encrypted user data information;
when the NFC equipment is effective equipment, the server carries out payment through a payment way according to the order information;
and when the NFC equipment is invalid equipment, the server stops the transaction.
In an optional implementation manner of the first aspect of the present invention, the establishing a communication connection between the NFC device and the server and between the card swiping device and the server includes the following steps:
the server binds user data information and a payment way;
the NFC equipment is connected with the server to acquire the user data information, and the user data information is encrypted to acquire encrypted user data information;
and establishing connection between the card swiping equipment and the server, so that data can be transmitted between the card swiping equipment and the server.
In an optional implementation manner of the first aspect of the present invention, the establishing, by the NFC device, a connection with the server to obtain user data information, and encrypting the user data information to obtain encrypted user data information includes:
the NFC equipment acquires the user data information, wherein the user data information comprises a first character string;
converting the length value of the first character string into a hexadecimal system to obtain a character length value, wherein when the character length value is a single number, 0 is added in front of the character length value;
performing base64 encoding on the first character string to obtain a second character string;
replacing a second character in the second character string, which contains the character length value, with a first character in the character length value to obtain a third character string;
and splicing the character length value and the third character string to obtain encrypted user data information, wherein the character length value is positioned in front of the third character string.
In an optional implementation manner of the first aspect of the present invention, the server verifying whether the NFC device is valid according to the encrypted user data information includes the following steps:
the server receives encrypted user data information and order information;
the server deletes the first two characters of the encrypted user data information, and then carries out reverse base64 coding on the rest characters to obtain decoded user data information;
the server traverses the decoded user data information;
and comparing the decoded user data information with the user data information, wherein the NFC equipment is effective when the characters of the decoded user data information are completely consistent with the characters of the user data information, and the NFC equipment is ineffective when the characters of the decoded user data information are not completely consistent with the characters of the user data information.
In an optional implementation manner of the first aspect of the present invention, in the step when the NFC device is an active device, after the server performs payment through a payment route according to the order information, the method further includes the following steps:
the server records the payment information, wherein the payment information comprises payment time and payment amount.
In an optional implementation manner of the first aspect of the present invention, in the step of recording, by the server, the payment information of this time, the server further sends the payment information to the user.
In an optional implementation manner of the first aspect of the present invention, in the step, when the NFC device is an invalid device, after the server stops the transaction, the method further includes the following steps:
and the server prompts the user that the NFC equipment is invalid equipment and simultaneously prompts the user whether to establish connection between the NFC equipment and the server.
The second aspect of the present invention provides a system for payment based on NFC, including:
the system comprises NFC equipment, a server and at least one card swiping device;
establishing communication connection between the NFC equipment and the server and between the card swiping equipment and the server; the NFC equipment is used for generating encrypted user data information based on the user data information;
the NFC equipment is used for sending the encrypted user data information to the card swiping equipment after receiving a transaction request sent by the card swiping equipment;
the card swiping equipment is used for interacting with the server, and sending the encrypted user data information and the order information to the server by the card swiping equipment;
the server is used for verifying whether the NFC equipment is effective or not according to the encrypted user data information;
the server is used for paying through a payment way according to the order information when the NFC equipment is effective equipment;
and the server is used for stopping the transaction when the NFC equipment is invalid.
A third aspect of the invention provides a computer-readable storage medium storing a computer program for causing a computer to perform a method of NFC-based payment as claimed in any one of the preceding claims.
Has the advantages that: the invention provides a method, a system and a storage medium for payment based on NFC; the NFC equipment only stores encrypted user data information, and does not store a payment way, so that the NFC equipment cannot directly pay; the card swiping equipment connected with the server can send the encrypted user data information in the NFC equipment to the server, then the server verifies that the encrypted user data information is decoded, and judges whether the decoded user data information is valid or not, so that payment orders or transactions can be carried out.
Drawings
In order to more clearly illustrate the embodiments or technical solutions of the present invention, the drawings used in the embodiments or technical solutions of the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the structures shown in the drawings without creative efforts.
Fig. 1 is a schematic diagram of an embodiment of a method for NFC-based payment according to the present invention;
fig. 2 is a schematic diagram of an embodiment of a system for NFC-based payment according to the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that all the directional indicators (such as upper, lower, left, right, front, and rear … …) in the embodiment of the present invention are only used to explain the relative position relationship between the components, the motion situation, and the like in a specific posture (as shown in the drawing), and if the specific posture is changed, the directional indicator is changed accordingly.
In addition, the descriptions related to "first", "second", etc. in the present invention are only for descriptive purposes and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In the description of the present invention, "a plurality" means at least two, e.g., two, three, etc., unless specifically limited otherwise.
In the present invention, unless otherwise expressly stated or limited, the terms "connected," "secured," and the like are to be construed broadly, and for example, "secured" may be a fixed connection, a removable connection, or an integral part; can be mechanically or electrically connected; they may be directly connected or indirectly connected through intervening media, or they may be connected internally or in any other suitable relationship, unless expressly stated otherwise. The specific meanings of the above terms in the present invention can be understood by those skilled in the art according to specific situations.
In addition, the technical solutions in the embodiments of the present invention may be combined with each other, but it must be based on the realization of those skilled in the art, and when the technical solutions are contradictory or cannot be realized, such a combination of technical solutions should not be considered to exist, and is not within the protection scope of the present invention.
For convenience of understanding, a specific flow of the embodiment of the present invention is described below, and referring to fig. 1, a first aspect of the present invention provides a method for NFC-based payment, including the following steps:
s100, establishing communication connection between NFC equipment and a server and communication connection between card swiping equipment and the server; the NFC equipment is used for generating user data information and payment route information, wherein the server stores the user data information and the payment route, and the NFC equipment stores encrypted user data information generated based on the user data information;
in this embodiment, a user may select which card swiping devices to establish contact with according to actual needs of the user, generally speaking, the server establishes contact with the card swiping devices that need to perform transactions, and if a certain card swiping device does not establish contact with the server, but the user needs to perform transactions with the card swiping device, the user may also temporarily establish contact with the card swiping device.
S200, after the NFC equipment receives a transaction request sent by the card swiping equipment, sending the encrypted user data information to the card swiping equipment;
in this embodiment, when the NFC device is close to the card swiping device, because only the encrypted user data information is stored in the NFC device and no payment path is stored, the NFC device cannot directly pay the card swiping device, and the NFC device can only obtain the encrypted user data information from the NFC device;
s300, the card swiping equipment interacts with the server, and the card swiping equipment sends the encrypted user data information and the order information to the server;
in this embodiment, if the card swiping device is not connected with the server, the card swiping device cannot send the encrypted user data information to the server, and therefore, the transaction cannot be performed, and only the card swiping device which is in communication connection with the server can send the encrypted user data information to the server;
s400, the server verifies whether the NFC equipment is effective or not according to the encrypted user data information;
s500, when the NFC equipment is effective equipment, the server carries out payment through a payment way according to the order information;
s600, when the NFC equipment is invalid, the server stops the transaction.
In this embodiment, when the NFC device is an active device, it indicates that a connection is established between the NFC device and the server, and the server may perform payment, and when the NFC device is an inactive device, it indicates that the server is not connected to the NFC device, and thus payment cannot be performed.
In an optional implementation manner of the first aspect of the present invention, the establishing a connection between the NFC device, the server, the payment module, and the at least one card swiping device includes:
the server binds user data information and a payment way;
the NFC equipment is connected with the server to acquire the user data information, and the user data information is encrypted to acquire encrypted user data information;
and establishing connection between the card swiping equipment and the server, so that data can be transmitted between the card swiping equipment and the server.
In this embodiment, the NFC device only stores encrypted user data information, and the NFC device does not store a payment route, so the NFC device cannot directly perform payment; the card swiping equipment connected with the server can send the encrypted user data information in the NFC equipment to the server, then the server verifies and decodes the encrypted user data information, and judges whether the decoded user data information is effective or not, so that a payment order is carried out or a transaction is stopped.
In an optional implementation manner of the first aspect of the present invention, the establishing, by the NFC device, a connection with the server to obtain user data information, and encrypting the user data information to obtain encrypted user data information includes:
the NFC equipment acquires the user data information, wherein the user data information comprises a first character string;
converting the length value of the first character string into a hexadecimal system to obtain a character length value, wherein when the character length value is in a singular number, 0 is added in front of the character length value;
performing base64 encoding on the first character string to obtain a second character string;
replacing a second character in the second character string, which contains the character length value, with a first character in the character length value to obtain a third character string;
and splicing the character length value and the third character string to obtain encrypted user data information, wherein the character length value is positioned in front of the third character string.
In this embodiment, the NFC device includes user data information, and in order to protect the security of the user data information, the user data information needs to be encrypted, and here, a base64 encoding method is adopted to encrypt the user data information, so as to protect the user data information.
In an optional implementation manner of the first aspect of the present invention, before the step of the server verifying whether the NFC device is valid according to the encrypted user data information, the method further includes the following steps:
the server receives encrypted user data information and order information;
the server deletes the first two characters of the encrypted user data information, and then carries out reverse base64 coding on the rest characters to obtain the decoded user data information.
In this embodiment, since the server receives the encrypted user data information, the server needs to decode the encrypted user data information to obtain the decoded user data information.
In an optional implementation manner of the first aspect of the present invention, the server verifying whether the NFC device is valid according to the encrypted user data information includes the following steps:
the server traverses the decoded user data information;
and comparing the decoded user data information with the user data information, wherein the NFC equipment is effective when the characters of the decoded user data information are completely consistent with the characters of the user data information, and the NFC equipment is ineffective when the characters of the decoded user data information are not completely consistent with the characters of the user data information.
In an optional implementation manner of the first aspect of the present invention, in the step when the NFC device is an active device, after the server performs payment through a payment route according to the order information, the method further includes the following steps:
the server records the payment information, wherein the payment information comprises payment time and payment amount.
In this embodiment, the server records payment information each time, so that the user can search all the payment information in the server.
In an alternative embodiment of the first aspect of the present invention, the server further sends the payment information to the user.
In this embodiment, in the step of recording the payment information by the server, the server further sends the payment information to the user.
In an optional implementation manner of the first aspect of the present invention, in the step when the NFC device is an invalid device, after the server stops the transaction, the method further includes the following steps:
and the server prompts the user that the NFC equipment is invalid equipment and simultaneously prompts the user whether to establish connection between the NFC equipment and the server.
In this embodiment, when the NFC device is an invalid device, it indicates that the NFC device has not been connected to the server, that is, the server cannot perform a transaction through the NFC device.
The second aspect of the present invention provides a system for payment based on NFC, including:
an NFC device 10, a server 20 and at least one card swiping device 30;
the NFC device 10 is in communication connection with the server 20, and the card swiping device 30 is in communication connection with the server 20; the server 20 stores user data information and a payment route, and the NFC device 10 stores encrypted user data information generated based on the user data information;
the NFC device 10 is configured to send the encrypted user data information to the card swiping device 30 after the NFC device 10 receives the transaction request sent by the card swiping device 30;
the card swiping device 30 is configured to perform interaction between the card swiping device 30 and the server 20, and the card swiping device 30 sends the encrypted user data information and the order information to the server 20;
the server 20 is configured to verify whether the NFC device is valid according to the encrypted user data information;
the server 20 is configured to, when the NFC device 10 is an active device, perform payment through a payment route according to the order information by the server 20;
the server 20 is configured to, when the NFC device 10 is an invalid device, stop the transaction by the server 20.
A third aspect of the invention provides a computer-readable storage medium storing a computer program for causing a computer to perform a method of NFC-based payment as claimed in any one of the preceding claims.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications and equivalents of the present invention, which are made by the contents of the present specification and the accompanying drawings, or directly/indirectly applied to other related technical fields, are included in the scope of the present invention.

Claims (9)

1. A method for payment based on NFC, comprising the steps of:
establishing communication connection between the NFC equipment and the server and communication connection between the card swiping equipment and the server; the NFC equipment is used for generating encrypted user data information based on the user data information;
after the NFC equipment receives a transaction request sent by the card swiping equipment, sending the encrypted user data information to the card swiping equipment;
the card swiping equipment interacts with the server, and sends the encrypted user data information and the order information to the server;
the server verifies whether the NFC equipment is effective or not according to the encrypted user data information;
when the NFC equipment is effective equipment, the server pays through a payment way according to the order information;
and when the NFC equipment is invalid equipment, the server stops the transaction.
2. The NFC-based payment method according to claim 1, wherein the establishing of the communication connection between the NFC device and the server and the communication connection between the card swiping device and the server comprises the following steps:
the server binds user data information and a payment way;
the NFC equipment is connected with the server to acquire the user data information, and the user data information is encrypted to acquire encrypted user data information;
and establishing connection between the card swiping equipment and the server, so that data can be transmitted between the card swiping equipment and the server.
3. The NFC-based payment method according to claim 2, wherein the NFC device establishes a connection with the server to obtain user data information, and encrypts the user data information to obtain encrypted user data information, comprising the steps of:
the NFC equipment acquires the user data information, wherein the user data information comprises a first character string;
converting the length value of the first character string into a hexadecimal system to obtain a character length value, wherein when the character length value is a single number, 0 is added in front of the character length value;
performing base64 encoding on the first character string to obtain a second character string;
replacing a second character in the second character string, which contains the character length value, with a first character in the character length value to obtain a third character string;
and splicing the character length value with the third character string to obtain encrypted user data information, wherein the character length value is positioned in front of the third character string.
4. The NFC-based payment method according to claim 3 wherein the server verifies whether the NFC device is valid based on the encrypted user data information, comprising the steps of:
the server receives encrypted user data information and order information;
the server deletes the first two characters of the encrypted user data information, and then carries out reverse base64 coding on the rest characters to obtain decoded user data information;
the server traverses the decoded user data information;
and comparing the decoded user data information with the user data information, wherein the NFC equipment is effective when the characters of the decoded user data information are completely consistent with the characters of the user data information, and the NFC equipment is ineffective when the characters of the decoded user data information are not completely consistent with the characters of the user data information.
5. The NFC-based payment method according to claim 1, wherein after the step of when the NFC device is a valid device, the server makes a payment through a payment route according to the order information, the method further comprises the step of:
the server records the payment information, wherein the payment information comprises payment time and payment amount.
6. The NFC-based payment method according to claim 5, wherein in the step of recording the payment information by the server, the server further sends the payment information to the user.
7. The NFC-based payment method according to claim 1, wherein after the step of stopping the transaction by the server when the NFC device is an invalid device, the method further comprises the steps of:
and the server prompts the user that the NFC equipment is invalid equipment and simultaneously prompts the user whether to establish connection between the NFC equipment and the server.
8. A system for NFC-based payment, comprising:
the system comprises NFC equipment, a server and at least one card swiping device;
the NFC equipment is in communication connection with the server, and the card swiping equipment is in communication connection with the server; the NFC equipment is used for generating encrypted user data information based on the user data information;
the NFC equipment is used for sending the encrypted user data information to the card swiping equipment after receiving a transaction request sent by the card swiping equipment;
the card swiping equipment is used for interacting between the card swiping equipment and the server, and the card swiping equipment sends the encrypted user data information and the order information to the server;
the server is used for verifying whether the NFC equipment is effective or not according to the encrypted user data information;
the server is used for paying through a payment way according to the order information when the NFC equipment is effective equipment;
and the server is used for stopping the transaction when the NFC equipment is invalid.
9. A computer-readable storage medium storing a computer program for causing a computer to perform a method for NFC-based payment according to any one of claims 1 to 7.
CN202310043239.6A 2023-01-29 2023-01-29 NFC payment-based method, system and storage medium Active CN115796859B (en)

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CN103116844A (en) * 2013-03-06 2013-05-22 李锦风 Near field communication payment method authenticated by both sides of deal
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