WO2015172280A1

WO2015172280A1 - Mobile phone radio frequency identification apparatus and mobile terminal secure payment system

Info

Publication number: WO2015172280A1
Application number: PCT/CN2014/077217
Authority: WO
Inventors: 李彦材
Original assignee: 李彦材
Priority date: 2014-05-12
Filing date: 2014-05-12
Publication date: 2015-11-19

Abstract

A mobile phone radio frequency identification apparatus and a mobile terminal secure payment system. Convenient and secure payment is achieved mainly through management on binding between a hardware unique code and an account of a mobile phone terminal. The radio frequency identification (RFID) apparatus, usually called an induction type electronic chip, a proximity card, an induction card, a contactless card, an electronic tag, an electronic barcode and the like, is installed in a mobile terminal or is injected into a phone shell of the mobile terminal to implement convenient and secure payment in transportation and shopping, and manage secure entrance into and exit from a door by using a mobile phone radio frequency apparatus, and is used in convenient and secure payment and expense collection system management in a taxi billing terminal radio frequency identification apparatus.

Description

Mobile phone radio frequency identification device and mobile terminal security payment system

The invention relates to a fast and safe payment device and a secure payment system for all industry terminal devices (including mobile phone terminals), all mobile transportation fast payment, fast shopping payment, commercial industry collection terminal fast payment, mobile mobile terminal 2 Dimensional fast payment, collection, recharge, remittance transfer, financial management, mobile phone terminal RFID device fast payment, collection, recharge, remittance transfer, financial management, mobile phone RFID identification threshold management device and other radio frequency identification compatible devices.

BACKGROUND OF THE INVENTION With the continuous development of payment requirements and the desire for safe and convenient payment by modern technology, human beings particularly demand and desire for mobile payment of mobile terminals, which are based on internet or mobile phone signal communication networks or positioning communication networks or other names. Based on communication network technology, mobile terminals such as mobile phones use short messages, voice information, terminal boards to integrate radio frequency devices, terminal housings to integrate RFID tags, QR code information security identification maps, camera QR code scanning, infrared two-dimensional scanning All terminal application software (including different application software systems in different mobile phone systems) such as code scanning and mobile phone mobile terminal threshold devices.

Summary of the invention:

The technical problem to be solved by the invention is to provide fast and secure payment and collection of mobile phone two-dimensional code in various industries, fast and secure payment and collection of mobile phone radio frequency identification device, safe collection and settlement payment of taxi charging radio frequency identification device, The invention realizes the automatic management of the mobile phone radio frequency identification device threshold, and the invention makes the human being more convenient and safer to realize the fast payment of the mobile payment, the mobile payment, the mobile radio frequency identification threshold, and the mobile taxi charging radio frequency identification device.

DETAILED DESCRIPTION OF THE INVENTION: (Technical solution method to be solved by the present invention)

1. Mobile payment server-side technical function scheme: The mobile terminal application software is downloaded and installed by the mobile terminal user in the server side, and the user can log in to the account in the mobile terminal. Ability to manage and register new account users, users can manage (5) and (2) functions in the application software by entering the account backend (10), adding (2) and (5) accounts (one master account can add multiple mobile terminals) Sub-account), lock (2) and (5) accounts, delete (2) and (5) accounts, open (2) and (5) accounts, settings (2) payment upper limit, (2) fast payment password settings And fingerprint payment password settings, recharge and withdrawal settings management, (2) and (5) account information editing settings, reading (2) machine hardware unique encoding (including reading CPU unique encoding, motherboard hardware unique encoding, machine brand, The machine model, system version, display chip code, processor model, terminal communication number, etc. are combined with the account information to generate a unique (3) (two generations of direct generation and audit generation), which are unique to generated ( 3) (2) perform lockout payment, open payment, mobile terminal location, release account binding, delete terminal, etc. Management control operation, edit (13) application software function Management and recharge payment upper limit setting, user application security setting management such as quick transaction deduction payment, secure payment verification setting, user account security verification reminder setting, etc., through (2) unique binding of machine hardware unique code and user account information Mobile payment terminal standard to achieve full security payment; server system database security and user all information database security (including user login password) with des, RSA, md5, AES and other algorithms multi-channel loop non-directional repeated encryption to increase the difficulty of cracking Or in the des, RSA, md5, AES and other algorithm encryption methods, the non-sequential orientation automatically inserts invalid characters into the replacement encryption method to increase the difficulty of cracking, to protect the comprehensive security of various database user information.

2. The unique encoding and account binding logic of the mobile payment terminal hardware: When the user uses the mobile terminal application software to enter the software login through (2) and (5) after (6) downloading and installing, the user is reminded to set the reading book ( 2) The machine hardware unique code upload is bound with the account information, and is to be passed (10) After entering the user account background to complete the binding successfully, the uploaded (2) machine hardware unique code and user account information are automatically combined and generated in (1) Unique (3), and saved in (1) user account background (4), when the user (2) machine hardware unique code and (1) account information are not effectively bound, (2) application software will periodically remind Description of the relevant information for secure payment.

3. Mobile phone terminal payment logic method 1: When the user utilizes (2) by (6) clicking the application software payment end request, (1) the user login account information is matched and the account information is simultaneously read (2) The unique code of the hardware is scanned to match whether the information in the unique (3) saved in the user account background (4) matches. When the information in the saved (3) does not match, the page information of the payment terminal is returned as "no QR code. Pay the map, please log in to the account correctly. When the match with the saved (3) message is confirmed, the match (3) will be returned to the payment page for display.

4, mobile phone terminal payment logic method 2: user use (2) through (6) click on the application software payment side request, (2) the application software according to its own login account information through (1) in the matching account into (4) Extract (3) information into (2) by encryption, (2) application software to read (2) machine hardware unique encoding and extraction (3) for decryption matching scan, when the scan information is matched correctly, the payment page The display information is (3). When the scan information is incorrect, the payment page display information is "No QR code payment map, please log in to the account correctly".

5. Mobile phone terminal payment logic method 3: When the (2) user account payment page is displayed as (3), other (5) users can use the camera or use infrared scanning when clicking the payment page in the account. Read (3) whether the message confirms the command (1) for the chargeback, and (5) confirms that the information in the read (3) is debited and received, (1) will (5) All the information such as the collection account information, the collection amount and the name of the payment are transmitted to the (2) user payment page that has been read (3), waiting for (2) the instruction (whether) confirming the agreement with the debit payment (waiting for the instruction) Confirm that there is a countdown limit control), when (2) click the reject payment button, (1) return to (5) the receipt page is displayed as "reject payment failure"; when (2) button is not clicked "wait command" After confirming that the countdown is automatically 0" (1), it will be returned to (5), the receipt page will be displayed as "invalid transaction"; when (2) click to confirm the payment, (1) will convert the consent payment information into "received" Successfully passed back to 5) The payment page and the payment page information returned to (2) are “Payment Successful”, and (1) record all the information of the corresponding transaction in the current transaction details of the collection account and payment account respectively. The balance of the collection account is automatically increased, and the balance of the payment account is automatically reduced.

6. Mobile phone terminal payment logic method 4: When the user logs in (1) the user account through (10), locks (3) in the user's own account backend (4) to close the payment operation management, Already bound to (2) Click to pay when using (6) Display information returned by (1) In order to "pay the account has been locked and closed, please open the payment before the payment", in the return page, the "payment opening instructions" can be displayed at the same time.

7. Design method of mobile terminal radio frequency identification device: The mobile phone terminal radio frequency device independent module can communicate with the channel through the TF card path in the mobile phone main board and the ear plug path or the USB charging interface path, and use the mobile terminal application software to set and manage the radio frequency device. Various application data, RF reader management terminal and mobile phone RF device for mobile settings management.

8. Design method of mobile phone terminal radio frequency identification device 1: Fix (11) in (2) the main board, and use the mobile phone motherboard circuit to communicate with the radio frequency device and the mobile terminal application software.

9. Mobile phone terminal RFID device design method 2: Inject (11) into the (2) panel and link with the mobile phone (9) as the data path of the RF device data channel to communicate with the mobile terminal application software.

10, mobile phone terminal radio frequency identification device design method three: on (2) motherboard design (11) information channel connection end, installed in the mobile phone fixed case exposed information channel connection end, and then designed (11) mobile phone back cover information The channel connection end and the main board information channel are connected to the end point point design, and when the two are closed together, the point-to-point seamless docking information channel is communicated with the mobile terminal application software.

11. Mobile phone terminal radio frequency identification device design method four: mobile phone case protective cover RF device fusion design, inject (11) into or embed into different styles (14), and (2) synthesize separable terminals The integrated mobile phone terminal RF device, (11) injected or embedded (11) data link method, can be realized by (2) (7) or (8) as a data exchange channel and mobile terminal application The software is interconnected, (11) can be embedded separately into the back cover of the mobile phone or (14), (15) directly designed on the mobile phone motherboard, recharge and anti-recharge can be used (1) medium (13) radio frequency reading and writing Application software for management operations.

12, taxi charging terminal radio frequency identification device design method, sub-integrated design and separate design, integrated design taxi billing terminal four surrounding and upper end designed as a radio frequency card reader device, with data The memory is stored in a separate design. The RF card reader device is connected to the taxi billing terminal via a USB interface or a direct built-in connection. The RFID reader device can be installed in front of the front passenger seat and behind the seat back. It is convenient for passengers to use mobile radio frequency identification (RFID) to pay fares.

13. Under the process design combination of the method of claim 4, (2), (2) by (6) (1) (13), the application software is downloaded and installed to realize the integrated mobile terminal with (11) Perform relevant effective settings management.

14. The global bus mobile radio frequency identification terminal debit payment payment and mobile radio frequency collection terminal fast transaction deduction payment real-time online deduction payment method logic one, divided into direct debit payment and user confirmation after deduction payment two real-time The online debit payment method allows the user to set a single debit payment standard value for direct debit payment through the application software. The user must confirm the debit payment on the mobile terminal screen after setting the single debit payment standard value. The payment and debit payment information are recorded in the historical transaction details of the user collection account and the payment account respectively by (1), the debit payment account balance is automatically increased, and the debit payment account balance is automatically reduced.

15. The global bus mobile radio frequency identification terminal debit payment payment and mobile radio frequency collection terminal fast transaction deduction payment real-time online deduction payment method logic two, the pre-deposit mobile radio device deduction payment method, divided into direct deduction Two kinds of pre-deposit-type debit payment methods for payment and user confirmation after debit payment, the user can set the single debit payment standard value to be directly debited payment through the application software, and set the single deduction payment standard value. After the user confirms on the screen of the mobile terminal, the debit payment is realized, and the debit payment transaction details are saved in the mobile radio device terminal in real time, and the pre-deposit recharge data of the mobile radio device terminal and the mobile radio device terminal balance extraction data are passed (1) In the historical transaction details in the user account, the debit payment RF terminal account balance is automatically increased, and the debit payment RF terminal account balance is automatically reduced.

16. Settlement of the debit payment terminal of the mobile radio frequency identification device: (1) Real-time online deduction The payment data is saved in the transaction details in the (1) collection account.

17. The debit payment terminal of the mobile radio frequency identification device is settled two: the debit payment terminal will charge the debit The data information of the collected payment is stored in the application database in the terminal of the debit-collected radio frequency device, and is utilized.

(10) Through (6) Enter the user account background setting under (1) to specify a certain time value to realize automatic data extraction and settlement without uploading unsettled data, or directly click the "data extraction and settlement" button to perform unsold unsettled data. Data extraction and settlement, after the data is settled from (1) (16), the balance is automatically reduced in (16) and (16), and the debit charge radio terminal records the upload settlement data (1). In the transaction details in the underlying account, the balance of the RF terminal receiving account under (1) is automatically increased.

18. Taxi fare collection and debit collection Radio frequency identification device terminal application software function (6) for driver registration binding, login and payment settlement, the driver can start after (17) login (including offline login) ( 17) The representative goes to work, the logout representative goes off work, and the driver automatically connects when the driver clicks the “Settlement Off” button in the (17) screen. (6) Automatic background data settlement is performed in (1) and (16), recorded in (16) In the middle (16), the balance is automatically reduced. (17) The upload settlement data is recorded in the transaction details in the (1) collection account, and the (17) payment account balance is automatically increased under (1), and the settlement is successful. Whether or not the instructions on the returning taxi billing terminal screen will be displayed and the reason description.

19. Mobile RFID terminal threshold access user information After the user information is confirmed and implanted through the threshold terminal application management software, the user accesses the radio frequency identification terminal to perform micro-distance contact sensing on the RF door to the correct simultaneous radio frequency ( RFID) The door is automatically opened.

20. The mobile phone radio frequency identification device and the mobile terminal security payment system according to claim 1, claim 2, claim 3, claim 4, and claim 5 include: a mobile payment server terminal (1), a mobile terminal Or mobile payment terminal or mobile phone terminal payment terminal (2), QR code account payment map (3), mobile terminal management module (4), mobile terminal collection terminal or mobile mobile terminal receiving end (5), Internet Or mobile phone signal communication network or positioning communication network or other name communication network (6), mobile phone USB interface or charging interface (7), mobile phone headset jack (8), mobile phone TF card slot (9), IE browser and other browsers (10), Radio Frequency Identification Device Module (RFID) (11), Mobile Radio Frequency Identification Device Management Software Setup and Mobile Terminal Application Software (13), Mobile Phone Case Cover Accessory (14), Radio Frequency Identification Device Reader Terminal (15 ), RFID terminal account center (16), taxi billing deduction Receiving the RFID device terminal (17).

BRIEF DESCRIPTION OF THE DRAWINGS:

Figure 1 illustrates: Figure 1 is a logical diagram of the secure payment management of the two-dimensional code binding of the hardware account of the mobile terminal and the mobile handset terminal.

Figure 2 illustrates: Figure 2 is a mobile phone radio frequency identification device (RFID) threshold terminal and mobile phone radio frequency identification device (RFID) terminal method design combination and mobile phone terminal hardware account binding to achieve radio frequency identification security payment management logic diagram

Figure 3 shows: Figure 3 is a taxi meter radio frequency identification device (RFID) collection terminal security payment logic diagram

The present invention has been described in the above description, and the present invention is not limited to the specific embodiments described above, and various modifications and changes can be made by those skilled in the art within the scope of the claims. The substance of the matter.

Claims

Claim

A mobile phone radio frequency identification device and a mobile terminal security payment system right are characterized in that: the control method comprises the following steps: the mobile terminal application software is downloaded and installed by the mobile terminal user in the server side (6) for the user to The mobile terminal performs the login account function management and registers the new account user. The user can manage (5) and (2) the functions in the application software by entering the account background, and add (2) and (5) accounts (one primary account). Can add multiple mobile terminal sub-accounts), lock (2) and (5) accounts, delete (2) and (5) accounts, open (2) and (5) accounts, set (2) payment upper limit, right ( 2) Quick payment password setting and fingerprint payment password setting, recharge and withdrawal setting management, (2) and (5) account information editing settings, reading (2) machine hardware unique encoding (including reading CPU unique encoding, motherboard hardware) Unique code, machine brand, machine model, system version, display chip code, processor model, terminal communication number) Combine with the account information to generate a unique (3) (different generation and audit generation to generate two selection settings), and to generate a unique (3) (2) lock off payment, open payment, mobile terminal positioning, release Account binding delete terminal and other management control operations, edit (13) application software function management and recharge payment upper limit setting, quick transaction deduction payment and other user application security settings management, secure payment verification settings, user account security verification reminder settings Such as management, through (2) machine hardware unique encoding and user account information unique binding to truly achieve full payment security mobile payment terminal standards; server system database security and user all information database security (including user login password) with des, RSA , md5, AES and other algorithms multi-channel loop non-directional repeated encryption to increase the difficulty of cracking, or in the des, RSA, md5, AES and other algorithm encryption methods, non-sequential orientation, automatic interpolation, invalid character implantation, replacement encryption, to increase the crack Difficulty, to protect various data Comprehensive security of user information.

2. The mobile phone radio frequency identification device and the mobile terminal security payment system according to claim 1, after the user first opens the software login by using (2) and (5) after (6) downloading and installing by using the mobile terminal application software, Remind the user to set the read (2) machine hardware unique code upload and account information for binding, to be passed (10) into the user account background to complete the binding successfully, the uploaded (2) machine hardware unique code and user account information In (1) automatic combination generates unique (3), and is saved in (1) user account background (4), when user (2) machine hardware unique encoding and (1) account information is not performed When the binding is valid, the application software of (2) will periodically remind the security payment related information.

3. The mobile phone radio frequency identification device and the mobile terminal security payment system logic method 1 according to claim 1 and claim 2, when the user utilizes (2) by (6) clicking the application software payment end request, (1) The user login account information is matched to the account information and simultaneously read (2) The machine hardware unique code is scanned to match whether the information in the unique (3) saved in the user account background (4) matches, and when saved (3) When the information does not match, the information of the returning payment page is "No QR code payment map, please login the account correctly". When it matches the saved (3) information, it will match (3) Return to the payment page for display; Logic Method 2, the user utilizes (2) by (6) clicking the application software payment end request, (2) the application software according to the self-login account information (1) in the matching account (4) is extracted in an encrypted manner (3) Information to (2), using (2) application software to read (2) machine hardware unique encoding and extraction (3) for decryption matching scan, when the scan information is matched correctly The information displayed on the end page is (3). When the scan information is incorrect, the information displayed on the payment page is "No QR code payment map, please log in to the account correctly"; Logical method 3, when this (2) user account is paid When the end page is displayed as (3), it can be used by other (5) users to click the payment page in the account, use the camera or use infrared scanning to read (3) whether the information confirms the instruction (1) for debit payment When (5) confirms that the information in the read (3) has been debited, the information of the collection account information, the amount of the collection, and the name of the payment of (5) are transmitted to (5). (2) The user pays the page that has been read (3), waits for the (2) command (whether) to confirm the approval of the debit payment (waiting for the command to confirm whether there is a countdown limit control), and when (2) clicks the reject payment button ( 1) The return receipt page (5) is displayed as "rejected payment failure"; when (2) the button is not clicked, "waiting for the command to confirm the countdown automatically reaches 0" (1) will be passed back to (5) The payment page is displayed as "invalid transaction"; when (2) point When confirming the consent payment, (1) convert the consent payment information into "successful collection" and return it to the payment page in (5) and the payment page information returned to (2) as "payment success", (1 Record all the information of the corresponding transaction of the two parties in the historical transaction details of the collection account and the payment account, the balance of the collection account is automatically increased, and the balance of the payment account is automatically reduced; Logic method four, when the user logs in through (10) After the user account in (1), lock (3) in the user's own account backend (4) When the payment operation management is closed, the corresponding binding is used. (2) When the payment is clicked, the information returned by (6) is displayed as "The payment account is locked and closed, please open and then pay", in the return page. At the same time, the "Payment Opening Instructions" can be clicked.

4. Design method of mobile terminal radio frequency identification device, the mobile phone terminal radio frequency identification device independent module can communicate with the channel through the TF card path in the mobile phone motherboard and the ear plug path or the USB charging interface path, and use the mobile terminal application software to set and manage the radio frequency device. Various application data, RFID reader management terminal and mobile phone RF device for mobile setting management; Mobile phone terminal RFID device design method one, fixed (11) in (2) motherboard into one, using mobile phone The motherboard circuit communicates with the radio frequency device and the mobile terminal application software; the mobile phone terminal radio frequency identification device design method 2, the (11) installation is injected on the (2) panel, and the mobile phone (9) is linked as the radio frequency device data. The channel communication path is used to communicate with the mobile terminal application software; the mobile phone terminal radio frequency identification device design method 3, on the (2) motherboard design (11) information channel connection end, installed in the mobile phone fixed case exposed information channel connection end , redesigned with (11) The rear cover information channel connection end and the main board information channel are connected to the end point point design, and when the two are closed together, the point-to-point seamless docking information channel and the mobile terminal application software are mutually connected; the mobile phone terminal radio frequency identification device design method 4, the mobile phone case protection The integrated design of the RFID device, injecting (11) into or embedding into different styles (14), and (2) synthesizing the detachable terminal to realize the integrated mobile phone terminal RF device, (14) The injected or embedded (11) data link method can be interconnected with the mobile terminal application software through (2) (7) or (8) as a data exchange channel, (11) can be separately embedded into the mobile phone On the back cover or (14), (15) is directly designed on the mobile phone motherboard. The recharge and anti-recharge can be managed by (1) (13) RFID reader application software; Identification device design method, sub-integrated design and separate design, integrated design taxi billing terminal four surrounding and upper end design The RFID card reader device has data storage memory therein. The separate design connects the RF card reader device to the taxi metering terminal through a USB interface or a direct built-in connection. The RF card reader device can be installed in the passenger seat respectively. The front and the back of the seat are conveniently placed behind the seat to facilitate the rider to pay the fare with mobile radio frequency identification.

5. A mobile phone radio frequency identification device and a mobile terminal secure payment system according to claim 1 and claim 4, which are (2), (2) through (6) at (6) in the process design combination of the method of claim 4. 1) Medium (13) to download and install the application software to realize effective setting management of the integrated mobile terminal with (11); global bus mobile radio frequency identification terminal debit payment payment and mobile RF receiving terminal fast transaction deduction The real-time online deduction payment method of payment is logical one, which is divided into two kinds of real-time online deduction payment methods: direct debit payment and debit payment after user confirmation. The user can set the single deduction payment standard value through the application software. Direct debit payment, above the setting of the single deduction payment standard value, the user needs to confirm the debit payment after confirming on the screen of the mobile terminal, and the debit payment payment information is recorded in the user collection account by (1) respectively. In the historical transaction details of the payment account, the balance of the debit and payment account is automatically increased, and the balance of the debit payment account is automatically reduced; The pre-deposit mobile mobile device deduction payment method is divided into two kinds of pre-deposit-type debit payment methods for direct debit payment and user-deferred payment, and the user can set a single debit payment standard value through the application software. Direct debit payment, above the setting of the single deduction payment standard value, the user needs to confirm on the mobile terminal screen to realize the debit payment, and the debit payment transaction details are saved in the mobile radio device terminal in real time, and the mobile radio device terminal pre- The deposit recharge data and the mobile radio device terminal balance extraction data are recorded in the historical transaction details in the user account by (1), the debit charge radio terminal account balance is automatically increased, and the debit payment radio terminal account balance is automatically reduced; The debit payment receiving terminal of the identification device settles one: through (1) the real-time online deduction payment data is stored in the transaction details in the (1) collection account; the debit collection terminal of the mobile radio frequency identification device is settled two: The debit payment terminal will save the data information of the debit and payment collection after the transaction of the deduction and payment radio device. In the application database, use (10) to enter the user account background setting (1) to specify a certain time value to achieve automatic data extraction and settlement without uploading unsettled data, or directly click the "data extraction settlement" button. Data unsettled data is not uploaded for unsettled data. When data is settled from (1) (16), the balance is automatically reduced in (16) and (16), and the debit charge radio terminal will be The upload settlement data record is recorded in the transaction details in the (1) collection account, and the balance of the RF terminal collection account under (1) is automatically increased; the taxi charging deduction collection radio device terminal application software function passes (6) ) for driver registration binding, Login and payment settlement, the driver can start after (17) login (including offline login) (17) representative to work, exit login representative to work, when the driver clicks (17) on the screen, the "clearing off work" button is automatically connected ( 6) Automatic background data settlement by (1) and (16), recorded in (16) and (16) the balance is automatically reduced, (17) The upload settlement data is recorded in the (1) payment account. In the details, at the same time, (17) under (1), the balance of the collection account is automatically increased, and the settlement success or failure will be prompted in the returning taxi account terminal screen and the reason description; mobile RFID terminal threshold user information through the door襟 After the terminal application management software confirms the implantation, the user enters the door and makes a micro-distance contact with the RF door through the mobile RF terminal. At the same time, the RFID door automatically opens.

6. The mobile phone radio frequency identification device and the mobile terminal security payment system according to claim 1, claim 2, claim 3, claim 4, and claim 5 include: a mobile payment server terminal (1), a mobile terminal Or mobile payment terminal or mobile phone terminal payment terminal (2), QR code account payment map (3), mobile terminal management module (4), mobile terminal collection terminal or mobile mobile terminal receiving end (5), Internet Or mobile phone signal communication network or positioning communication network or other name communication network (6), mobile phone USB interface or charging interface (7), mobile phone headset jack (8), mobile phone TF card slot (9), IE browser and other browsers (10), Radio Frequency Identification Device Module (RFID) (11), Mobile Radio Frequency Identification Device Management Software Setup and Mobile Terminal Application Software (13), Mobile Phone Case Cover Accessory (14), Radio Frequency Identification Device Reader Terminal (15 ), RF device terminal account center (16), taxi billing debit collection radio frequency identification device terminal (17).