CN204242233U - A kind of NFC mobile phone payment system - Google Patents
A kind of NFC mobile phone payment system Download PDFInfo
- Publication number
- CN204242233U CN204242233U CN201420489818.XU CN201420489818U CN204242233U CN 204242233 U CN204242233 U CN 204242233U CN 201420489818 U CN201420489818 U CN 201420489818U CN 204242233 U CN204242233 U CN 204242233U
- Authority
- CN
- China
- Prior art keywords
- mobile phone
- nfc
- image information
- face
- human face
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The utility model relates to a kind of NFC mobile phone payment system, especially relates to a kind of NFC mobile phone payment system of the safety protecting mechanism based on recognition of face certification.This system comprises NFC smart mobile phone, ID authentication device, financial settlement server.Wherein NFC smart mobile phone is integrated with NFC chip, camera, processor, human face image information encryption chip on hardware; ID authentication device comprises human face image information deciphering module, facial image memory module, face characteristic contrast module.This system utilizes recognition of face authentication mode as safety protecting mechanism, and everyone face graphical information has uniqueness, thus has higher security and convenient and practical property.
Description
Technical field
The invention belongs to payment technology field, near field, particularly a kind of NFC mobile phone payment system.
Background technology
NFC is that Near Field Communication abridges, i.e. near field communication (NFC).Be a kind of non contact angle measurement and interconnection technique by the NFC of PHILIPS Co. and Sony joint development, wireless near field communication can be carried out at mobile device, consumer electronics product, PC and smart control Tool Room.NFC provides a kind of solution of simple, touch, exchanges information with can allowing consumer's simple, intuitive, accesses content and service.
NFC mobile phone refers to the mobile phone with NFC chip.Mobile phone with NFC chip can do a lot of corresponding application.Mainly contain three kinds of application models, they are mode card, NFC pattern or ad hoc mode, card reader pattern respectively.These three kinds of mode of operations are applicable to different application scenarioss.
Recognition of face comprises the technology such as Face detection, face characteristic extraction, face characteristic contrast, is an emerging biological identification technology, is the high-quality precision and sophisticated technology of current International Technology field tackling key problem.It extensively adopts regional characteristics analysis algorithm, computer image processing technology and biostatistics principle are merged in one, utilize computer image processing technology from video, extract portrait unique point, the principle of biostatistics is utilized to carry out analysis founding mathematical models so that feature extraction, utilize the face characteristic extracted to compare face characteristic with the face characteristic stored in a database in advance to mate, there is wide development and application prospect.
Mostly the existing safety certification for NFC mobile phone payment function is to adopt the cryptographic algorithm based on cryptographic technique or the real name verification of terminal SIM card binding; although the security that these two kinds of methods are certain for mobile-phone payment provides and protectiveness; but there is many defects; as: the former faces the problem that interface is difficult to unified ciphertext storage; the latter exists when lost mobile phone, by the consequence that random " swiping the card " consumes.
Utility model content
Problem to be solved by this invention is the defect overcoming existing NFC mobile phone payment function safety certification deficiency, the integrated NFC payment of mobile phone, human face image information encryption chip and face identification device are proposed, become combination, face information is utilized to carry out safety certification, and facial image waiting for transmission is encrypted, just really accomplish the object improving the convenient and security that user pays.
In order to achieve the above object, the utility model provides a kind of NFC mobile phone payment system, and this system comprises NFC smart mobile phone, ID authentication device and financial settlement server.Wherein, ID authentication device is face identification device, and described face identification device connects by network or embeds NFC smart mobile phone; Described NFC smart mobile phone is connected by network with financial settlement server.
Described NFC smart mobile phone comprises NFC chip, human face image information encryption chip, camera and processor; Camera shooting obtains human face image information, and its data-in port is electrically connected with processor port, and its data-out port is electrically connected with human face image information encryption chip data-in port.
Described NFC chip makes smart mobile phone be operated in " card reader " pattern, and in this mode, the NFC mobile phone possessing read-write capability can gather the data such as price, title of commodity from Commercial goods labels, sends the data to the processor of smart mobile phone.
Described facial image encryption chip is FPGA gate array chip, carries out feature extraction for the face information of taking camera and encrypts, even if make human face image information to be stolen in transport process the security that can not be yet completely resolved; User's human face image information of encryption can send data to face identification device by GPRS data flow business or wifi.
Described ID authentication device is face identification device, comprises facial image memory module, human face image information decipher function module and face characteristic contrast module.Face memory module output terminal, human face image information decipher function module output terminal contrast module input with face characteristic respectively and are electrically connected
Described facial image memory module is used for prestored user human face image information, the human face image information reserved when namely user opens the NFC payment transaction of recognition of face certification.
Described human face image information decipher function module, for the image information of encryption being decrypted, it will be understood by those in the art that it is the inverse process of cryptographic algorithm.
Described face characteristic contrast module reads the face characteristic information after the user's face characteristic information and the deciphering of human face image information decipher function prestored in facial image memory module respectively, contrasts, and comparing result is returned to cell phone processor.
Described financial settlement server, is connected by communication network with smart mobile phone, is licensed by financial institution, according to the facial image comparing result that smart mobile phone sends, judges whether activating sale signaling and process transaction.
Visible, the described NFC recognition of face certification modes of payments is the secure modes of payments of a kind of safety.The utility model is a kind of whole new set of applications technology regular handset NFC function and recognition of face certification safety of payment mechanism combined, biological nature security authentication mechanism can be increased, realize carrying out validation-cross with background server, pay front authentication, near field pays and confirmed the operator scheme of payment, only have registrant just can be successfully completed a whole set of transaction, so namely achieve real secure payment mechanism.
Accompanying drawing explanation
Fig. 1 is system architecture schematic diagram of the present utility model.
Embodiment
In order to the mobile-phone payment mode providing a kind of security performance high, the utility model provides a kind of hand call payment system with recognition of face certification.It comprises: NFC smart mobile phone 01, ID authentication device 02, financial settlement server 03; Further, NFC smart mobile phone 01 comprises: NFC chip 011, camera 012, processor 013, human face image information encryption chip 014.ID authentication device 02 comprises: human face image information deciphering module 021, facial image memory module 022, face characteristic contrast module 023.
It is hereafter the procedure declaration of whole payment flow refinement.
First user and corporate finance mechanism reach an agreement and open mobile phone recognition of face payment transaction, and reserved recognition of face image information is to financial institution, is kept in the facial image memory module 022 of ID authentication device 02.When paying, use " card reader " pattern in mobile phone NFC chip 011, mobile phone NFC region and businessman are combined payment smart card or the tag-collision of release with banking institution, the data such as price, title collecting commodity are sent to the processor 013 of smart mobile phone by NFC chip 011.Processor 013 activating sale, mobile phone interface is jumped out the dialog box of whether carrying out recognition of face checking, if user determines to pay, proceeds checking, cancels this action if want, then refuse this request.If user proceeds to pay, then the camera 012 of mobile phone is activated by processor 013, gathers the human face image information of user to human face image information encryption chip 014.Human face image information encryption chip 014 resolves to user characteristic data and carries out coding encrypting again after human face image information being extracted.After having encrypted, chip returns to processor 013 by circuit, and recognition of face image information is passed to the human face image information deciphering module 021 of ID authentication device 02 by information by processor 013 by GPRS or wifi.Recognition of face image information is deciphered by human face image information deciphering module 021, extracts face recognition features's information of user.Utilize face characteristic to contrast module 023, the user face recognition features information Initial Face recognition image information be stored in facial image library module 022 and human face image information deciphering module 021 extracted contrasts.If inconsistent, authentication failure is described, face characteristic contrast module 023 returns failure information to processor 013, and mobile phone interface jumps out whether re-start recognition of face certification, is confirmed to be, then camera 012 restarts recognition of face image acquisition; Confirm no, then transaction authentication stops.If consistent, the passback of face characteristic contrast module 023 is proved to be successful information to processor 013.Processor 013 sends and continues instruction to financial settlement server 03, and financial settlement server 03 processes.After having concluded the business, financial settlement server 03 sends and pays successful information to NFC smart mobile phone 01.Payment transaction completes.
Claims (4)
1. a NFC mobile phone payment system, comprising: NFC smart mobile phone, ID authentication device, financial settlement server; It is characterized in that, ID authentication device is face identification device, and described face identification device connects by network or embeds NFC smart mobile phone; Described NFC smart mobile phone is connected by network with financial settlement server.
2. NFC mobile phone payment system according to claim 1, is characterized in that NFC smart mobile phone comprises NFC chip, human face image information encryption chip, camera and processor; Described human face image information encryption chip is connected with camera electricity; The FPDP of described NFC chip, human face image information encryption chip, camera is electrically connected with the FPDP of processor respectively.
3. the NFC mobile phone payment system involved by claim 2, is characterized in that, described human face image information encryption chip is FPGA gate array chip.
4. NFC mobile phone payment system according to claim 1, is characterized in that face identification device comprises facial image database memory module, human face image information decipher function module and face characteristic contrast module; Described facial image memory module output terminal, face information deciphering module output terminal contrast module input electricity respectively and are connected with face characteristic.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201420489818.XU CN204242233U (en) | 2014-08-28 | 2014-08-28 | A kind of NFC mobile phone payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201420489818.XU CN204242233U (en) | 2014-08-28 | 2014-08-28 | A kind of NFC mobile phone payment system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN204242233U true CN204242233U (en) | 2015-04-01 |
Family
ID=52771698
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201420489818.XU Active CN204242233U (en) | 2014-08-28 | 2014-08-28 | A kind of NFC mobile phone payment system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN204242233U (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105809447A (en) * | 2016-03-30 | 2016-07-27 | 中国银联股份有限公司 | Payment authentication method and system based on face recognition and HCE |
| CN107221094A (en) * | 2017-08-09 | 2017-09-29 | 电子科技大学 | A kind of information encryption and identification system for unmanned delivery equipment |
| US10692090B2 (en) | 2016-01-26 | 2020-06-23 | Worldpay Limited | Tamper-proofing and identity validation in a secure electronic transaction processing system |
| CN111476577A (en) * | 2020-04-03 | 2020-07-31 | 深圳合纵富科技有限公司 | Face image encryption recognition payment method based on wavelet transformation and SM4 |
| CN111489146A (en) * | 2020-04-13 | 2020-08-04 | 佛山职业技术学院 | NFC (near field communication) collection method and device and storage medium |
| CN113837750A (en) * | 2021-09-26 | 2021-12-24 | 快钱支付清算信息有限公司 | Operating system for payment based on mobile terminal |
-
2014
- 2014-08-28 CN CN201420489818.XU patent/CN204242233U/en active Active
Cited By (14)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US11538042B2 (en) | 2016-01-26 | 2022-12-27 | Worldpay Limited | Systems and methods for preventing identity fraud of electronic transaction device |
| US11514459B2 (en) | 2016-01-26 | 2022-11-29 | Worldpay Limited | Fraud reduction electronic transaction device |
| US10692090B2 (en) | 2016-01-26 | 2020-06-23 | Worldpay Limited | Tamper-proofing and identity validation in a secure electronic transaction processing system |
| US11823207B2 (en) | 2016-01-26 | 2023-11-21 | Worldpay Limited | Fraud reduction electronic transaction device |
| US11823206B2 (en) | 2016-01-26 | 2023-11-21 | Worldpay Limited | Systems and methods for reducing identity fraud of electronic transaction device |
| US11074588B2 (en) | 2016-01-26 | 2021-07-27 | Worldpay Limited | Tamper-proof electronic transaction device |
| US11823208B2 (en) | 2016-01-26 | 2023-11-21 | Worldpay Limited | Systems and methods for preventing identity fraud of electronic transaction device |
| US11093948B2 (en) | 2016-01-26 | 2021-08-17 | Worldpay Limited | Systems and methods for performing identity validation for electronic transactions |
| CN105809447A (en) * | 2016-03-30 | 2016-07-27 | 中国银联股份有限公司 | Payment authentication method and system based on face recognition and HCE |
| CN107221094A (en) * | 2017-08-09 | 2017-09-29 | 电子科技大学 | A kind of information encryption and identification system for unmanned delivery equipment |
| CN111476577A (en) * | 2020-04-03 | 2020-07-31 | 深圳合纵富科技有限公司 | Face image encryption recognition payment method based on wavelet transformation and SM4 |
| CN111489146B (en) * | 2020-04-13 | 2023-11-07 | 佛山职业技术学院 | NFC collection method, NFC collection device and storage medium |
| CN111489146A (en) * | 2020-04-13 | 2020-08-04 | 佛山职业技术学院 | NFC (near field communication) collection method and device and storage medium |
| CN113837750A (en) * | 2021-09-26 | 2021-12-24 | 快钱支付清算信息有限公司 | Operating system for payment based on mobile terminal |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11893580B2 (en) | Establishment of a secure session between a card reader and a mobile device | |
| CN204242233U (en) | A kind of NFC mobile phone payment system | |
| AU2020210294B2 (en) | Establishment of a secure session between a card reader and a mobile device | |
| CA2897140C (en) | System and method for securely loading, storing and transmitting magnetic stripe data in a device working with a mobile wallet system | |
| US9195983B2 (en) | System and method for a secure cardholder load and storage device | |
| US10438187B2 (en) | Establishment of a secure session between a card reader and a mobile device | |
| CN102810189B (en) | A kind of NFC functional mobile phone near field pays and has confirmed the method for payment | |
| CN101692277A (en) | Biometric encrypted payment system and method for mobile communication equipment | |
| WO2015014202A1 (en) | Mobile security financial terminal and financial transaction method | |
| EP2810231A1 (en) | System and method for a secure cardholder load and storage device | |
| CN104103132A (en) | Mobile uKey [USB (universal serial bus) Key] and card-less cash withdrawal System and mobile uKey and card-less cash withdrawal method | |
| CN109313782A (en) | Pre-approval financial transaction provides system and method | |
| TW200917140A (en) | A wireless communication transaction system and method using a wireless card reader | |
| CN203746179U (en) | Mobile safe financial terminal | |
| CN205068489U (en) | Portable mobile payment fingerprint identification system | |
| CN203689574U (en) | Mobile safety financial terminal | |
| KR20130113327A (en) | Portable communication equipment, system and method for communicating between a local terminal and a plurality of portable equipment | |
| US20240087241A1 (en) | Augmented reality at a front-end device | |
| Cha et al. | Design of NFC based micro-payment to support MD authentication and privacy for trade safety in NFC applications | |
| TW201115490A (en) | Mobile ticket booking device with safety certification | |
| CN115171271A (en) | Bank card anti-theft swiping method and device, electronic equipment and storage medium |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant |