WO2015180262A1

WO2015180262A1 - Payment processing method, device, nfc portable terminal and wearable terminal

Info

Publication number: WO2015180262A1
Application number: PCT/CN2014/083832
Authority: WO
Inventors: 李伟华
Original assignee: 中兴通讯股份有限公司
Priority date: 2014-05-28
Filing date: 2014-08-06
Publication date: 2015-12-03
Also published as: CN105260886B; CN105260886A

Abstract

Provided are a payment processing method, a device, an NFC portable terminal and a wearable terminal. The method comprises: a digital identity of a near field communication (NFC) portable terminal is generated according to a valid characteristic value combination for uniquely identifying the NFC portable terminal; a payment terminal key and a payment terminal POS account generated by a payment platform according to the digital identity are received; payment processing is performed according to the payment terminal key and the payment terminal POS account. The present invention solves the problem in the prior art that implementation of electronic payment is not possible when a payment site is not provided with a POS terminal, and enables a near field communication (NFC) portable terminal to function as a POS machine, effectively improving payment convenience and a payment security effect.

Description

TECHNICAL FIELD The present invention relates to the field of communications, and in particular to a payment processing method and apparatus, an FC portable terminal, and a wearable terminal. BACKGROUND OF THE INVENTION Mobile payment refers to a payment method in which a consumer pays a bill for goods or services consumed by a mobile terminal (usually a mobile phone, a PAD, etc.). The customer sends payment instructions directly or indirectly to the bank financial enterprise through mobile devices, the Internet or proximity sensing to generate money payment and fund transfer, realizes mobile payment of funds, and realizes the integration of terminal equipment, Internet, application providers and financial institutions. Complete financial services such as currency payment and payment. There are three main types of mobile payment operation modes: mobile payment services with mobile operators as the mainstay, mobile payment services with banks as the main operators, and mobile payment services with independent third parties as the main operators. Each has its own advantages and disadvantages. In the mobile payment business industry value chain, mobile operators, banks, and third-party service providers have different resource advantages. According to different technical means, mobile payment can be divided into: remote payment or online payment: users use mobile terminals, through SMS, Wireless Application Protocol (WAP), Interactive Voice Response (referred to as Interactive Voice Response, referred to as Remote connection to the mobile payment back-end system for IVR), APP (Application), etc., to realize account inquiry, transfer, credit card repayment, order payment, etc.; on-site payment: the user uses the mobile terminal and the supporting terminal, through near field communication (Near Field Communication, referred to as FC), Near Field-Subscriber Identity Module (RF-SIM), SIMpass RF-SD and other close-range contactless technologies to achieve on-site payment for goods or services . These two kinds of payment each have their own advantages and disadvantages. Online payment requires both the merchant and the consumer to have a payment account, for example, Alipay, WeChat payment, etc. If any one of them lacks a payment account, it is difficult to complete the online payment process; Payment requires a POS terminal. At present, domestic close-range contactless POS terminals are not popular, and it is inconvenient to use electronic wallets such as FC and RF-SIM SIMpass RF-SD. Therefore, in the related art, there is a problem that the electronic payment cannot be realized when there is no POS terminal at the payment site. SUMMARY OF THE INVENTION The present invention provides a payment processing method, apparatus, FC portable terminal, and wearable terminal to solve at least the problem that the electronic payment cannot be realized when there is no POS terminal at the payment site in the related art. According to an aspect of the present invention, a payment processing method is provided, comprising: generating a digital identity of the FC portable terminal according to a valid feature value combination for uniquely identifying a near field communication FC portable terminal; receiving a payment platform according to the number The payment terminal key and the payment terminal POS account generated by the identity; and the payment processing is performed according to the payment terminal key and the payment terminal POS account. Preferably, the valid feature value combination includes at least one of the following: a device identifier, a medium access control MAC address, a user number, and a universal unique identifier UUID generated when the payment application client program is installed. Preferably, before performing the payment processing according to the payment terminal key and the payment terminal POS account, the method further includes: performing, on the FC portable terminal and the payment platform, according to the digital identity and the payment terminal key Two-way authentication. Preferably, before performing the payment processing according to the payment terminal key and the payment terminal POS account, the method further includes: sending, to the payment platform, a refill request for refilling the electronic wallet terminal, wherein the recharge request is in advance Encrypting is performed by using the digital identity and the payment terminal key; and when receiving the response response that the payment platform successfully transfers the payment, the response response is performed according to the digital identity and the payment terminal key. Decryption; based on the refill information obtained after decryption, refilling the electronic wallet terminal by NFC. Preferably, the performing the payment processing according to the payment terminal key and the payment terminal POS account comprises: sending a first chargeback message to the electronic wallet terminal by using the FC; after receiving the chargeback response sent by the electronic wallet terminal, Sending a second chargeback message to the payment platform, where the second chargeback message is encrypted in advance by the digital identity and the payment terminal key; receiving the charge sent by the payment platform When the message is answered, the electronic wallet terminal performs a credit confirmation by the FC, wherein the chargeback response message is encrypted in advance by the payment terminal key and the digital identity. According to another aspect of the present invention, a payment processing method is provided, the method comprising: generating a digital fingerprint according to a scanned fingerprint obtained by scanning; receiving an electronic wallet key and an electronic wallet account generated by the payment platform according to the digital fingerprint; The electronic wallet key and the electronic wallet account process the POS payment of the near field communication FC portable terminal. Preferably, before processing the POS payment of the FC portable terminal according to the electronic wallet key and the electronic wallet account, the method further includes: determining whether the FC portable terminal that requests payment is a trusted terminal that supports payment, In the case where the determination result is YES, the payment processing is performed according to the electronic wallet key and the electronic wallet account. Preferably, according to the electronic wallet key and the electronic wallet account, the near field communication FC portable terminal

The processing of the POS payment includes: encrypting, according to the electronic wallet key, the first electronic wallet payment information uploaded to the payment platform by the electronic wallet forwarded by the FC portable terminal, and/or, via the FC Decrypting the second electronic wallet payment information sent by the payment platform to the electronic wallet by the payment platform, wherein the first electronic wallet payment information and/or the second electronic wallet payment information comprises: an electronic wallet Account information, payment password, payment amount information. According to another aspect of the present invention, a payment processing apparatus is provided, comprising: a first generation module configured to generate a digital identity of the FC portable terminal according to a combination of valid feature values for uniquely identifying a near field communication FC portable terminal a first receiving module, configured to receive a payment terminal key and a payment terminal POS account generated by the payment platform according to the digital identity; the first processing module is configured to perform, according to the payment terminal key and the payment terminal POS account Payment processing. Preferably, the apparatus further comprises: an authentication module configured to perform mutual authentication of the FC portable terminal and the payment platform according to the digital identity and the payment terminal key. Preferably, the device further includes: a sending module, configured to send, to the payment platform, a refill request for refilling the e-wallet terminal, wherein the recharging request adopts the digital identity and the payment terminal key in advance Encrypting; the decrypting module is configured to decrypt the response response according to the digital identity and the payment terminal key when receiving the response response of the payment platform success transfer; the refill module is set as the basis The refill information obtained after the decryption is recharged to the electronic wallet terminal by the FC. Preferably, the first processing module of the device includes: a first sending unit, configured to send a first charging message to the electronic wallet terminal by using the FC; and a second sending unit, configured to receive the sending by the electronic wallet terminal Sending a second chargeback message to the payment platform, wherein the second chargeback message is encrypted in advance by the digital identity and the payment terminal key; the confirmation unit is set to be Receiving the debit payment confirmation message sent by the payment platform to the electronic wallet terminal by the FC, wherein the debit payment response message is previously performed by the payment terminal key and the digital identity Encrypted. According to still another aspect of the present invention, a near field communication NFC portable terminal is provided, comprising the apparatus of any of the above. According to still another aspect of the present invention, a payment processing apparatus is provided, including: a second generating module, configured to generate a digital fingerprint according to the scanned fingerprint obtained by scanning; and a second receiving module configured to receive the payment platform according to the digital fingerprint The generated electronic wallet key and the electronic wallet account; the second processing module is configured to process the POS payment of the near field communication FC portable terminal according to the electronic wallet key and the electronic wallet account. Preferably, the apparatus further includes: a determining module, configured to determine whether the FC portable terminal requesting payment is a trusted terminal that supports payment, and if the determination result is yes, according to the electronic wallet key and the electronic The wallet account is used for payment processing. Preferably, the second processing module includes: an encryption unit configured to encrypt, according to the electronic wallet key, the first electronic wallet payment information uploaded to the payment platform by the electronic wallet forwarded by the FC portable terminal And/or a decryption unit configured to decrypt the second electronic wallet payment information that is sent to the electronic wallet by the payment platform forwarded by the FC portable terminal; wherein the first electronic wallet payment information The second electronic wallet payment information includes: electronic wallet account information, a payment password, and payment amount information. According to still another aspect of the present invention, a wearable terminal comprising the apparatus of any of the above is provided. According to the present invention, the digital identity of the FC portable terminal is generated according to the effective feature value combination for uniquely identifying the near field communication NFC portable terminal; the payment terminal key and the payment terminal POS account generated by the payment platform according to the digital identity are received. And performing payment processing according to the payment terminal key and the payment terminal POS account, and solving the problem that the electronic payment cannot be realized when there is no POS terminal at the payment site in the related art, thereby achieving the function of the near field communication FC portable terminal The function of the POS machine effectively improves the convenience of payment. BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are set to illustrate,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, 1 is a flow chart of a payment processing method 1 according to an embodiment of the present invention; FIG. 2 is a flow chart of a second payment processing method according to an embodiment of the present invention; FIG. 3 is a payment processing according to an embodiment of the present invention. FIG. 4 is a block diagram of a preferred structure of a payment processing apparatus 1 according to an embodiment of the present invention; 5 is a block diagram of a preferred structure of a payment processing apparatus 1 according to an embodiment of the present invention; FIG. 6 is a block diagram showing a preferred configuration of a first processing module 36 of the payment processing apparatus 1 according to an embodiment of the present invention; FIG. 8 is a block diagram showing a structure of a payment processing apparatus 2 according to an embodiment of the present invention; FIG. 9 is a block diagram showing a preferred configuration of a payment processing apparatus 2 according to an embodiment of the present invention; FIG. 11 is a structural block diagram of a wearable terminal according to an embodiment of the present invention; FIG. 12 is a structural diagram of a mobile payment scheme system according to an embodiment of the present invention; FIG. 13 is a flowchart of initialization of an FC portable terminal according to a preferred embodiment of the present invention; FIG. 14 is a flowchart of initialization of an electronic wallet of a wearable terminal according to a preferred embodiment of the present invention; FIG. 15 is a view of a preferred embodiment of the present invention. Flowchart for refilling an electronic wallet; Figure 16 is a flow chart for consumption by a portable terminal in accordance with a preferred embodiment of the present invention BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. It should be noted that the embodiments in the present application and the features in the embodiments may be combined with each other without conflict. In this embodiment, a payment processing method is provided. FIG. 1 is a flowchart of a payment processing method 1 according to an embodiment of the present invention. As shown in FIG. 1, the process includes the following steps: Step S102, according to a unique identifier. The combination of the effective feature values of the near field communication FC portable terminal generates the digital identity of the FC portable terminal. It should be noted that the above feature values may include multiple combinations, for example, at least one of the following may be included: device identifier, media access control address MAC a user identifier, a universal unique identifier UUID generated when the payment application client program is installed; Step S104, receiving a payment terminal key generated by the payment platform according to the digital identity and a payment terminal POS account; Step S106, according to the payment terminal The key and the payment terminal POS account perform payment processing. Through the above steps, the function of the POS terminal is implemented in the portable terminal that pays the near field communication FC, and the problem that the electronic payment cannot be realized when there is no POS terminal at the payment site in the related art is solved, thereby achieving the near field communication FC portable terminal. It acts as a POS terminal, effectively improving the convenience and security of payment. In order to ensure the security of the payment, the FC portable terminal and the payment platform may be authenticated in both directions according to the digital identity and the payment terminal key before the payment processing according to the payment terminal key and the payment terminal POS account, that is, through the above digital identity and The payment terminal key encrypts the message for mutual authentication to ensure the authenticity of the FC portable terminal and the payment platform. Before the payment processing is performed according to the payment terminal key and the POS account, the electronic wallet used for the payment needs to be recharged, and also to ensure the security of the recharge, the digital identity and the payment terminal key may be used for recharging according to the above-mentioned digital identity and payment terminal key. The request and the response are encrypted, for example, may be performed by: sending a refill request for refilling the electronic wallet terminal to the payment platform, wherein the refill request may be performed in advance using the digital identity and the payment terminal key. Encryption; when receiving the response response of the payment platform for the payment transfer success, decrypting the response response according to the digital identity and the payment terminal key; and performing final confirmation to the electronic wallet terminal through the FC according to the recharge information obtained after decryption. It should be noted that the recharge request includes a recharged electronic wallet account and a recharge amount. When recharging to the electronic wallet by the FC, in addition to the manner in which the refill indication can be sent by the FC, the recharge indication can also be performed by other conventional methods, for example, by directly connecting the data lines. When the payment process is performed according to the payment terminal key and the POS account, in order to ensure the security of the consumption, when the normal payment deduction is made, the corresponding debit operation can be performed at both the payment platform and the electronic wallet terminal, for example, The FC sends a first debit message to the e-wallet terminal; after receiving the debit response sent by the e-wallet terminal, the second debit message is sent to the payment platform, where the second debit message is pre-passed by digital identity and payment. The terminal key is encrypted in sequence; when receiving the debit reply message sent by the payment platform, the debit payment confirmation is performed to the e-wallet terminal through the FC. Preferably, the debit payment message is pre-empted through the payment terminal. The key and digital identity are encrypted in succession. In this embodiment, a payment processing method is also provided. FIG. 2 is a flowchart of a second payment processing method according to an embodiment of the present invention. As shown in FIG. 2, the flow includes the following steps: Step S202, according to scanning Obtaining a scanned fingerprint to generate a digital fingerprint; Step S204, receiving an electronic wallet key and an electronic wallet account generated by the payment platform according to the digital fingerprint; Step S206, processing the POS payment of the near field communication FC portable terminal according to the electronic wallet key and the electronic wallet account. Through the above steps, the electronic wallet authorized by the payment platform processes the POS payment of the near field communication FC portable terminal, and solves the problem that the electronic payment cannot be realized when there is no POS terminal at the payment site in the related art, thereby achieving the near The field communication FC portable terminal can function as a POS terminal, effectively improving the convenience and security of payment. In order to ensure that the FC portable terminal using the electronic wallet is secure and reliable, it can be determined whether the FC portable terminal requesting payment is a trusted terminal that supports payment, and if the determination result is YES, the payment processing is performed according to the electronic wallet key and the electronic wallet account. When processing, a variety of methods can be used. For example, a list of trusted terminals can be set at the electronic wallet, and only the terminals in the list can use the electronic wallet. When processing the POS payment of the near field communication FC portable terminal according to the electronic wallet key and the electronic wallet account, in order to secure the account of the electronic wallet, the electronic wallet forwarded via the FC portable terminal may be uploaded according to the electronic wallet key. The first electronic wallet payment information of the payment platform is encrypted, and/or the second electronic wallet payment information sent to the electronic wallet by the payment platform forwarded by the FC portable terminal is decrypted, wherein the first electronic wallet payment information and/or Or the second electronic wallet payment information includes: electronic wallet account information, payment password, and payment amount information. It should be noted that the encryption and decryption of the electronic wallet information is only performed between the electronic wallet terminal and the payment platform, and is independent of any terminal in the middle. In the embodiment, a payment processing device is also provided, which is used to implement the above-mentioned embodiments and preferred embodiments, and has not been described again. As used hereinafter, the term "module" may implement a combination of software and/or hardware of a predetermined function. Although the apparatus described in the following embodiments is preferably implemented in software, hardware, or a combination of software and hardware, is also possible and conceivable. FIG. 3 is a structural block diagram of a payment processing apparatus 1 according to an embodiment of the present invention. As shown in FIG. 3, the apparatus includes a first generating module 32, a first receiving module 34, and a first processing module 36. Description. The first generating module 32 is configured to generate a digital identity of the FC portable terminal according to the effective feature value combination for uniquely identifying the near field communication FC portable terminal; the first receiving module 34 is connected to the first generating module 32, and configured to receive The payment platform generates a payment terminal key and a payment terminal POS account according to the digital identity; the first processing module 36 is connected to the first receiving module 34, and configured to perform payment processing according to the payment terminal key and the payment terminal POS account. 4 is a block diagram of a preferred structure of a payment processing apparatus 1 according to an embodiment of the present invention. As shown in FIG. 4, the apparatus includes an authentication module 42 in addition to all the modules shown in FIG. 42 for explanation. The authentication module 42 is connected to the first receiving module 34 and the first processing module 36, and is configured to perform mutual authentication on the FC portable terminal and the payment platform according to the digital identity and the payment terminal key. FIG. 5 is a block diagram of a preferred structure of a payment processing apparatus 1 according to an embodiment of the present invention. As shown in FIG. 5, the apparatus includes a transmitting module 52, a decrypting module 54, and a charging module, in addition to all the modules shown in FIG. 56. The preferred structure will be described below. The sending module 52 is connected to the first receiving module 34, and is configured to send a charging request for charging the electronic wallet terminal to the payment platform, wherein the charging request is encrypted in advance by using the digital identity and the payment terminal key; 54, connected to the sending module 52, configured to decrypt the response response according to the digital identity and the payment terminal key upon receiving the response response of the payment platform for the payment transfer success; the refill module 56, connected to the decryption module 54 and the A processing module 36 is configured to perform a refill confirmation to the electronic wallet terminal via the FC according to the refill information obtained after decryption. FIG. 6 is a block diagram showing a preferred structure of a first processing module 36 of the payment processing apparatus 1 according to an embodiment of the present invention. As shown in FIG. 6, the first processing module 36 includes a first sending unit 62, a second sending unit 64, and a confirmation. Unit 66, the first processing module 36 will be described below. The first sending unit 62 is configured to send a first debit message to the e-wallet terminal through the FC; the second sending unit 64 is connected to the first sending unit 62, and is configured to receive the deduction response sent by the e-wallet terminal. Sending a second chargeback message to the payment platform, wherein the second chargeback message is encrypted in advance by the digital identity and the payment terminal key; the confirmation unit 66 is connected to the second sending unit 64, and is set to receive When the payment response message sent by the payment platform is sent, the debit payment confirmation is performed by the FC to the electronic wallet terminal, wherein the debit payment response message is encrypted in advance by the payment terminal key and the digital identity. 7 is a structural diagram of a near field communication FC portable terminal according to an embodiment of the present invention. As shown in FIG. 7, the near field communication FC portable terminal 70 includes the mobile payment processing device 72 of any of the above. FIG. 8 is a structural block diagram of a payment processing apparatus 2 according to an embodiment of the present invention. As shown in FIG. 8, the apparatus includes a second generation module 82, a second receiving module 84, and a second processing module 86. Description. The second generating module 82 is configured to generate a digital fingerprint according to the scanned fingerprint obtained by the scanning; the second receiving module 84 is connected to the second generating module 82, and configured to receive the electronic wallet generated by the payment platform according to the digital fingerprint. The key and the electronic wallet account; the second processing module 86 is connected to the second receiving module 84, and configured to process the POS payment of the near field communication FC portable terminal according to the electronic wallet key and the electronic wallet account. FIG. 9 is a block diagram showing a preferred structure of a payment processing apparatus 2 according to an embodiment of the present invention. As shown in FIG. 9, the apparatus includes a determination module 92 in addition to all the structures shown in FIG. Be explained. The determining module 92 is connected to the second processing module 86, and configured to determine whether the FC portable terminal requesting payment is a trusted terminal that supports payment, and if the determination result is yes, the payment is performed according to the electronic wallet key and the electronic wallet account. deal with. FIG. 10 is a block diagram showing a preferred structure of a second processing module 86 in the payment processing apparatus 2 according to an embodiment of the present invention. As shown in FIG. 10, the second processing module 86 includes an encryption unit 102 and/or a decryption unit 104. The second processing module 96 is described. The encryption unit 102 is configured to encrypt the first electronic wallet payment information uploaded to the payment platform by the electronic wallet forwarded by the FC portable terminal according to the electronic wallet key; the decrypting unit 104 is configured to be a payment platform that is forwarded via the FC portable terminal. The second electronic wallet payment information is sent to the electronic wallet for decryption; wherein the first electronic wallet payment information and the second electronic wallet payment information comprise: electronic wallet account information, payment password, and payment amount information. FIG. 11 is a structural block diagram of a wearable terminal according to an embodiment of the present invention. As shown in FIG. 11, the wearable terminal 110 includes the payment processing device 112 of any of the above. Based on the above problems in the related art, in the present embodiment, the FC portable terminal (for example, the FC mobile phone) is used as the POS terminal to solve the problem of lack of the POS terminal, and the problem that the online payment account cannot be paid online can be solved. Consumers are most concerned with mobile payment in three issues: security, privacy, and ease of use, which are also fully considered in this embodiment. The mobile payment scheme proposed in this embodiment will be described below. A portable payment scheme, a wearable electronic wallet supporting near field communication performs card swipe operation anywhere with a network (WiFi, LTE, etc.); tracking and recognizing a digital identity generated by portable device feature values; and transparently transmitting a wearable electronic wallet The message, to ensure the integrity of the message worn by the wallet. The mobile payment method includes: performing authentication on the portable device and the wearable electronic wallet by using near field communication, tracking and identifying the portable device by using the digital identity generated by the feature value of the portable device, and determining the identity of the user by wearing the digital fingerprint of the electronic wallet. The portable device performs a credit card refilling, consumption, and the like by the near field communication, and connects to the payment platform to complete the payment transfer. The system architecture of the preferred embodiment of the present invention will now be described. 12 is a schematic structural diagram of a mobile payment scheme system according to an embodiment of the present invention. As shown in FIG. 12, the system architecture includes an FC portable terminal, a wearable terminal, and a fixed desktop terminal. The architecture is described below.

1. The FC portable terminal supports wireless communication such as WiFi and LTE and Near Field Communication (FC), wherein the device is connected to the payment platform wirelessly, and the wearable terminal is connected through near field communication. The FC portable terminal runs the payment application client. The FC portable terminal has a built-in smart integrated circuit card (Smart IC) for storing a key, which is issued by the payment platform, and the digital identity generated by the payment application client is transmitted to the fixed platform of the payment platform through near field communication (FC). The terminal, the payment platform generates a key according to the digital identity, and transmits the key to the FC portable terminal through the fixed desktop terminal of the payment platform. The information transmitted by all FC portable terminals to the payment platform is encrypted by the key of the FC portable terminal, and the FC portable terminal can be determined by the key. If the digital identity of the FC portable terminal changes, it is necessary to fix the desktop terminal to re-authenticate.

2. The wearable terminal can be a wearable device supporting near field communication (FC), for example, a smart watch, a wristband, etc., and does not support a communication method with a large communication distance such as WiFi, Bluetooth, LTE, etc., in the present invention, the wearable terminal is Electronic wallet terminals, collectively referred to as electronic wallets. The wearable terminal has a built-in fingerprint recognition module for fingerprint scanning. The digital fingerprint module is built in the wearable terminal. After the wearable terminal scans the fingerprint, the digital fingerprint module replaces the scanned fingerprint with a digital fingerprint, and adds information such as the scan date and time stamp to the digital fingerprint. The time stamp is generated by the wearable terminal and includes the digital fingerprint. The generation time, time-effectiveness, that is, the effective time of the digital fingerprint, the default effective time is 3 years. The payment platform determines whether the timestamp is within the valid time according to the timestamp of the payment application client request. If it is not within the valid time, the payment platform terminates the process and returns an error message to the payment application client. The digital fingerprint is based on the fingerprint image of the individual, extracts several feature points, and then converts into fingerprint feature data based on the fingerprint algorithm. The fingerprint feature data cannot reverse the user's fingerprint image or copy the user's physical fingerprint. The wearable terminal can also have a built-in smart integrated circuit card (Smart IC) for storing the electronic wallet account and the key, which is generated by the payment platform. The wearable terminal is transmitted to the fixed desktop terminal of the payment platform through near field communication (FC), and the payment platform generates a key according to the digital fingerprint, and then transmits the key to the wearable terminal through the fixed desktop terminal of the payment platform. The information between all the wearable terminals and the payment platform is encrypted by the key of the wearable terminal, and the identity of the electronic wallet can be determined by the key. The built-in encryption module of the wearable terminal encrypts the electronic wallet account by using the key stored in the terminal Smart IC. The encryption and decryption of the electronic wallet information is only between the wearable terminal and the payment platform, and is independent of any terminal in the middle. The built-in trusted module of the wearable terminal manages the list of trusted terminals, and only the FC portable terminal of the trusted list can perform the operation of the electronic wallet. The trusted operation is completed by FC communication, and the authentication process is completed in milliseconds. To add a trusted terminal, you need to log in to the wearable terminal to complete the verification of the local login password. You also need to manually confirm whether to add it in the trusted management, and you can actually add the trusted terminal. It is also possible to set a temporary trusted list. After the set time has elapsed, the temporary trusted terminal is no longer trusted. The wearable terminal provides a user operation interface to complete the balance inquiry and display of the electronic wallet and the payment password of the electronic wallet of the payment platform when the payment is made, and the wearable terminal can also set the local password of the electronic wallet to prevent the operation of the electronic wallet by the non-person.

3. The fixed desktop terminal is a terminal device placed in the payment service business hall, supports FC, and completes initialization of the FC portable terminal and the wearable terminal electronic wallet through a wired connection payment platform.

4. The payment platform is the connection established by the platform provider between the consumer, the merchant and the bank, and realizes online money payment, cash flow, fund clearing, query statistics, etc. from the consumer to the financial institution, the merchant cash. The payment platform provides various authentication functions, including key distribution of the FC portable terminal, key release of the wearable terminal e-wallet, and the like.

5. The payment application client is an application running on the FC portable terminal device, which is distributed by the payment platform, and provides the user with an operation interface of the wearable terminal electronic wallet, such as recharging, querying and inputting business information, etc., collectively referred to as the FC portable terminal. Payment terminal. The payment application client supports the application itself from being tampered with. In addition to the upgrade provided by the payment platform, any other modification causes the application to fail to pay and provides an alarm message to the payment platform. The payment application client can obtain the stable unique identifier value of the FC portable terminal, for example, the device identifier (such as International Mobile Equipment Identity (IMEI)), Wi-Fi/Bluetooth media access control (Media) Access Control, abbreviated as MAC) address, user number (such as mobile number, International Mobile Subscriber Identification Number (IMSI)), and generic generated by the payment application client after the first run after the program is installed. The unique identifier (Universally Unique IDentifier, abbreviated as UUID, which has different generated values on each terminal, even if the re-installation of the same terminal is deleted, the generated value is different), etc. The digital identity of the FC portable terminal is generated by a specified algorithm such as MD5, which is a string of binary codes uniquely identifying a device, one-to-one correspondence with the device. It should be noted that if a certain feature value of the FC portable terminal changes, the digital identity will change, and the initialization operation needs to be performed again. For example, if the mobile phone changes the mobile phone number, etc., the digital identity needs to be regenerated; after reinstalling the payment application client, A new UUID will be generated, and the UUID will not change when upgrading. Here, using the combination of feature values can prevent the user from locally changing the device. Different types of mobile phones have different eigenvalue stability. For example, to obtain IMEI, the following sample code is only valid for Android phones:

Telephony Manager TelephonyMgr = (Telephony Manager) getSystemService(TELEPHONY SERVICE); String szIMEI = TelephonyMgr. getDeviceId(); In iOS, UDID (Unique Device Identifier) is the unique identifier of Apple IOS device, with 40 characters of letters It consists of numbers and UDIDs that can be used to identify mobile devices. However, starting with iOS 5.0, Apple announced that it will no longer support obtaining device UDIDs. Apple recommends using UUID (Universally Unique Identifier) to generate unique identification strings for applications. As the terminal technology develops, new feature values or software methods generate feature values of the terminal, for example, software recording terminal hardware and software environment conditions, personal software usage habits and the like are used to generate corresponding feature values. The use of FC portable terminal effective feature value combination can effectively avoid the digital identity of a FC portable terminal that cannot be generated by a certain feature value. The communication between the payment platform and the payment application client is encrypted using a digital identity, and the transmitted message will also be encrypted by the key stored by the FC portable terminal Smart IC. That is, when the payment application client sends a message, the digital identity is first generated, and the digital identity is used as a key to encrypt the message, and then encrypted and then encrypted by the key stored by the FC portable terminal Smart IC. After receiving the message, the payment platform first decrypts with the key corresponding to the terminal, and then decrypts with the digital identity; the payment platform sends a message, first encrypts with the key corresponding to the user terminal, and then encrypts with the digital identity of the terminal. After receiving the message, the FC portable terminal decrypts with a digital identity and decrypts it with the key stored in the FC portable terminal Smart IC. The following example of the process payment platform and the payment application client can use this method. The flow of the mobile payment scheme of the preferred embodiment of the present invention will be described below based on the above system architecture. Creation of a user account: A user creates a user account on a payment platform portal through a PC or a portable terminal, including a name, an ID card, a mobile phone number, and the like. 2. The NFC portable terminal is used as a payment POS terminal, and needs to be initialized to complete the authentication of the FC portable terminal. FIG. 13 is a flowchart of initializing the FC portable terminal according to a preferred embodiment of the present invention. As shown in FIG. 13, the flow includes the following steps. Step S1302: The FC portable terminal downloads and installs the payment application client from the payment platform portal. Step S1304: The user logs in with the user account on the fixed desktop terminal of the payment platform, initiates initialization of the FC portable terminal, and the fixed desktop terminal sends a request to the payment platform to generate a POS sub-account, and the sub-account is under the user account. Step S1306, the payment platform generates a POS account, including a POS account, a POS identity, and the like, and returns a success response message after the creation is completed; if the creation fails, a failure response message is returned. Step S1308: If the fixed desktop terminal receives the creation failure message, the process terminates; if the success response message is received, the user is prompted to input the digital identity of the FC portable terminal. In step S1310, the user approaches the FC portable terminal to the fixed desktop terminal, the payment application client acquires the FC portable terminal feature value, and specifies a corresponding algorithm such as MD5 to generate the digital identity of the FC portable terminal, and sends the digital identity to the fixed desktop terminal through the FC. Step S1312: The fixed desktop terminal receives the digital identity of the FC portable terminal, and sends the digital identity of the FC portable terminal and the user account to the payment platform. The payment platform generates a key according to the digital identity, and stores the key in the POS account, and the digital identity is also stored in the In the POS account, the corresponding key and POS account are returned to the fixed desktop terminal at the same time. In step S1314, the fixed desktop terminal transmits the key and the POS account to the FC portable terminal through the FC, and the FC portable terminal saves the key and the POS account in the Smart IC of the FC portable terminal.

3. After the FC portable terminal is initialized, before using the electronic wallet of the wearable terminal, the electronic wallet also needs to be initialized to generate a key for the wearable terminal electronic wallet. FIG. 14 is an initialization flow of the wearable terminal electronic wallet according to a preferred embodiment of the present invention. As shown in FIG. 14, the process includes the following steps: Step S1402: A user logs in with a user account on a fixed desktop terminal of the payment platform, and initiates an electronic wallet initialization of the wearable terminal. The fixed desktop terminal first reads the user identity information through the ID card. After the verification is successful, a request is sent to the payment platform to generate an electronic wallet sub-account, and the sub-account is under the user account, and the e-wallet sub-account can directly associate the user's bank card. Step S1404: The payment platform generates an electronic wallet account, including an electronic wallet account, etc., and the creation completion returns a success response message; if the creation fails, a failure response message is returned. Step S1406: If the fixed desktop terminal receives the creation failure message, the process terminates; if the success response message is received, the user is prompted to input the digital fingerprint of the electronic wallet. Step S1408, the user approaches the wearable terminal to the fixed desktop terminal, and the wearable terminal scans the fingerprint. The digital fingerprint module replaces the scanned fingerprint with a digital fingerprint, and adds information such as the scan date and time stamp to the digital fingerprint, and sends the information to the fixed desktop through the FC. terminal. From the privacy security requirements, the wearable terminal does not save the digital fingerprint generated by the user scan. Step S1410: The fixed desktop terminal receives the digital fingerprint of the wearable terminal, and sends the digital fingerprint of the wearable terminal and the user account to the payment platform. The payment platform generates a key according to the digital fingerprint, and saves the key in the electronic wallet sub-account, and simultaneously sets the corresponding key. And the e-wallet account is returned to the fixed desktop terminal. From the privacy security requirements, the payment platform does not save the digital fingerprint of the received user. The timeliness of the digital fingerprint timestamp determines the validity period of the key. Step S1412: The fixed desktop terminal transmits the key and the electronic wallet account to the wearable terminal through the FC, and the wearable terminal saves the key and the electronic wallet account in the Smart IC of the wearable terminal. 4. Recharge process: When the user consumes, the electronic wallet needs to be recharged first. FIG. 15 is a flow chart of recharging the electronic wallet according to a preferred embodiment of the present invention. As shown in FIG. 15, the process includes the following steps: Step S1502 The user starts the payment application client in the FC portable terminal, and the payment application client checks whether it has tampering. If yes, it sends an alarm message to the payment platform, and the process terminates, and the payment platform will issue a risk prompt through the contact number of the account. If not, the payment application client obtains the FC portable terminal feature value, specifies a corresponding algorithm such as MD5 to generate the digital identity of the FC portable terminal, encrypts it by the key stored in the Smart IC, and transmits it to the payment platform. Step S1504, the payment platform decrypts the digital identity of the FC portable terminal, compares with the digital identity stored in the payment platform, and if it can match, the authentication passes, and sends an authentication success message to the FC portable terminal; if it cannot match, the authentication fails, to the FC portable terminal The authentication failure message is sent, and the payment platform will issue a risk warning through the contact number of the account, and the process is terminated. When the payment platform sends a message to the FC portable terminal, the payment platform encrypts the message by using the key corresponding to the account, and the FC portable terminal decrypts the digital identity of the FC portable terminal after receiving the message sent by the payment platform. Then, the key stored in the Smart IC is decrypted. If the decryption message cannot be decrypted, the authentication message is re-issued, and the second decryption fails, indicating that the payment platform is not trusted. Step S1506, the payment application client receives the message of successful authentication, starts the payment application client interface, prompts to obtain the electronic wallet account, the user closes the wearable terminal to the portable terminal, and the wearable terminal transmits the electronic wallet account to the payment application client through the FC. The e-wallet account is encrypted with the e-wallet key, and the user inputs the recharge amount on the payment application client interface, and the payment application client sends the electronic account number and the input recharge amount to the payment platform. Step S1508, after the pre-processing of the payment platform is completed, apply for payment transfer to the bank card associated with the account, and after the bank payment is successfully transferred, return a response message to the payment platform. Step S1510: The payment platform encrypts the electronic wallet account and the recharge amount by using the key generated by the digital fingerprint, and returns a response message to the payment application client. Step S1512: The payment application client receives the response message, and sends the input recharge amount together with the electronic wallet account and the recharge amount returned by the payment platform to the wearable terminal through the FC. In step S1514, the wearable terminal decrypts the electronic wallet account and the recharge amount using the key stored in the smart IC and checks whether the recharge is correct, and returns a success message to the FC portable terminal through the FC. In step S1516, the payment application client receives the success message to prompt the recharge success, and the process ends. 5. Consumption process: After the recharge is completed, the user can consume. FIG. 16 is a flow chart of consumption by the portable terminal according to a preferred embodiment of the present invention. As shown in FIG. 16, the process includes the following steps: Step S1602, the user will The wearable terminal electronic wallet is close to the FC portable terminal, and the trusted terminal is added. The FC portable terminal sends the digital identity to the wearable terminal, and the wearable terminal adds the digital identity to the trust list, and directly trusts the subsequent consumption. Step S1604: The user starts the payment application client in the FC portable terminal, and the payment application client checks whether it has tampering. If yes, sends an alarm message to the payment platform, and the process terminates, and the payment platform will issue a risk prompt through the contact number of the account. If not, the payment application client obtains the FC portable terminal feature value, specifies a corresponding algorithm such as MD5 to generate the digital identity of the FC portable terminal, encrypts it by the key stored in the Smart IC, and transmits it to the payment platform. Step S1606, the payment platform decrypts the digital identity of the FC portable terminal, compares with the digital identity stored in the payment platform, and if it can match, the authentication passes, and sends an authentication success message to the FC portable terminal; if it cannot match, the authentication fails, to the FC portable terminal. The authentication failure message is sent, and the payment platform will issue a risk warning through the contact number of the account, and the process is terminated. When the payment platform sends a message to the FC portable terminal, the payment platform encrypts the message by using the key corresponding to the account, and the FC portable terminal first passes the FC after receiving the message sent by the payment platform. The digital identity of the portable terminal is decrypted, and then decrypted by the key stored in the Smart IC. If the decryption message cannot be decrypted, the authentication message is re-issued, and the second decryption fails, indicating that the payment platform is not trusted. Step S1608, the payment application client receives the message of successful authentication, starts the payment application client interface, the user consumes the credit card in the payment application client interface, inputs the consumption amount, manually inputs the business information or scans the two-dimensional code to obtain the merchant information, and the merchant The information includes an account number (bank account number or payment platform account number, etc.), contact information, etc., the payment application client prompts the user to swipe the card, the user closes the wear terminal to the FC portable terminal, and the payment application client sends a deduction message to the wearable terminal through the FC, and wears the terminal. Prompting to enter the payment password of the payment platform electronic wallet, and returning the electronic wallet account to the FC portable terminal through the FC, and the electronic wallet account is encrypted using the electronic wallet key. Step S1610: The payment application client sends the electronic wallet account number, the payment password, and the input deduction amount to the payment platform. Step S1612, the payment platform decrypts the message, and then decrypts the deduction amount, and the payment platform performs payment password verification. After the verification succeeds, the account is debited and then the payment is transferred. After the payment is successfully transferred, the payment platform returns to the payment application client. The payment is successful and a payment transfer notification is sent to the merchant via the merchant contact. If the payment transfer fails, and then retry, continue to fail, the payment platform returns the payment failure to the payment application client, and cancels the debit of the payment platform of the payment platform, and sends a payment transfer failure notification to the merchant through the merchant contact method, and the process proceeds to step S1620. . Step S1614: The payment application client receives the payment transfer success message, and sends the input deduction amount together with the electronic wallet account and the debit amount returned by the payment platform to the wearable terminal through the FC. Step S1616: The wearable terminal decrypts the electronic wallet account and the debit amount by using the key stored in the smart IC, and checks whether the deduction is correct, and returns a success message to the FC portable terminal through the FC. Step S1618: The payment application client receives the success message to prompt the recharge to succeed, and the process ends. Step S1620: The payment application client receives the payment transfer failure message, prompts the user to fail the payment, and prompts the subsequent processing: re-confirm or input the merchant information and send the debit message to the payment platform again. In order to prevent fraudulent use of phishing apps by some bad users, merchants can install payment application clients on their own FC portable terminals to complete the credit card consumption, and there is no big investment problem. In addition, it should be noted that near field communication (NFC) as referred to in the preferred embodiment of the present invention refers to communication in an ultra-short range, such as no more than 20 cm. The interaction protocol between the NFC portable terminal and the electronic wallet terminal and the interaction protocol between the FC portable terminal and the payment platform follow the national security requirements for the electronic wallet near field communication and the POS terminal and payment platform. With the above embodiments and preferred embodiments, the e-wallet can be expanded in ease of use. As long as the portable terminal has the FC function and is authenticated, it can become a mobile POS terminal, which can be implemented anywhere, such as at home, on business trips, and in offices. Credit card spending. In terms of security, the e-wallet has digital fingerprint authentication, and the consumer transaction requires the e-wallet to confirm in close proximity, there is no fraudulent card, etc.; the wearable terminal has trusted management, and the untrusted portable terminal is ignored. In terms of privacy, the portable terminal transparently transmits transaction information, which greatly enhances privacy. In addition, considering that the message is intercepted or tampered with during network transmission, and the mutual trust problem between the two parties, the technology of near field communication is used in the initial authentication, that is, the method of mutual trust verification is also adopted, which also increases the security of mobile payment. . Obviously, those skilled in the art should understand that the above modules or steps of the present invention can be implemented by a general-purpose computing device, which can be concentrated on a single computing device or distributed over a network composed of multiple computing devices. Alternatively, they may be implemented by program code executable by the computing device, such that they may be stored in the storage device by the computing device and, in some cases, may be different from the order herein. The steps shown or described are performed, or they are separately fabricated into individual integrated circuit modules, or a plurality of modules or steps are fabricated as a single integrated circuit module. Thus, the invention is not limited to any specific combination of hardware and software. The above is only the preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes can be made to the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and scope of the present invention are intended to be included within the scope of the present invention. INDUSTRIAL APPLICABILITY As described above, the above embodiments and preferred embodiments not only solve the problem that the electronic payment cannot be realized when there is no POS terminal at the payment site in the related art, thereby achieving the use of the near field communication FC portable terminal as the POS machine. The function effectively improves the convenience of payment and the effect of payment security.

Claims

Claim

A payment processing method, comprising: generating a digital identity of the FC portable terminal according to a valid feature value combination for uniquely identifying a near field communication FC portable terminal; receiving a payment terminal key generated by the payment platform according to the digital identity And payment terminal POS account;

Payment processing is performed according to the payment terminal key and the payment terminal POS account.

2. The method according to claim 1, wherein the effective feature value combination comprises at least one of the following: a device identifier, a medium access control MAC address, a user number, and a universal unique identifier generated when the payment application client program is installed. UUID.

The method according to claim 1, wherein, before performing the payment processing according to the payment terminal key and the payment terminal POS account, the method further comprises: performing, according to the digital identity and the payment terminal key pair The FC portable terminal and the payment platform perform mutual authentication.

The method according to claim 1, wherein, before performing the payment processing according to the payment terminal key and the payment terminal POS account, the method further comprises: sending, to the payment platform, the method for charging the electronic wallet terminal a refill request, wherein the refill request is encrypted in advance by using the digital identity and the payment terminal key;

And after receiving the response response that the payment platform successfully transfers the payment, decrypting the response response according to the digital identity and the payment terminal key;

Based on the refill information obtained after decryption, the electronic wallet terminal performs refill confirmation via the FC.

5. The method of claim 1, wherein the performing payment processing according to the payment terminal key and the payment terminal POS account comprises:

Sending a first debit message to the electronic wallet terminal through the FC; After receiving the debit response sent by the e-wallet terminal, sending a second debit message to the payment platform, where the second debit message is previously passed through the digital identity and the payment terminal key Encrypted;

And receiving, by the FC, a chargeback confirmation to the electronic wallet terminal by the FC, wherein the chargeback response message is previously passed through the payment terminal key and the digital identity Encrypted.

A payment processing method, comprising: generating a digital fingerprint according to a scanned fingerprint obtained by scanning; receiving an electronic wallet key and an electronic wallet account generated by the payment platform according to the digital fingerprint; according to the electronic wallet key and the electronic The wallet account processes the POS payment of the near field communication FC portable terminal.

The method according to claim 6, wherein before processing the POS payment of the FC portable terminal according to the electronic wallet key and the electronic wallet account, the method further includes:

Determining whether the FC portable terminal requesting payment is a trusted terminal supporting payment, and if the determination result is YES, performing payment processing according to the electronic wallet key and the electronic wallet account.

The method according to claim 6 or 7, wherein processing the POS payment of the near field communication FC portable terminal according to the electronic wallet key and the electronic wallet account comprises:

Encrypting the first electronic wallet payment information uploaded to the payment platform by the electronic wallet forwarded by the FC portable terminal according to the electronic wallet key, and/or the forwarding of the electronic electronic wallet via the FC portable terminal Decrypting the second electronic wallet payment information sent by the payment platform to the electronic wallet, wherein the first electronic wallet payment information and/or the second electronic wallet payment information comprises: electronic wallet account information, a payment password, Payment amount information.

9. A payment processing device comprising:

a first generating module, configured to generate a digital identity of the FC portable terminal according to a valid feature value combination for uniquely identifying a near field communication FC portable terminal; the first receiving module is configured to receive, generated by the payment platform, according to the digital identity The payment terminal key and the payment terminal POS account; the first processing module is configured to perform payment processing according to the payment terminal key and the payment terminal POS account.

10. The apparatus according to claim 9, further comprising: an authentication module configured to perform mutual authentication of the FC portable terminal and the payment platform according to the digital identity and the payment terminal key.

The device according to claim 9, further comprising: a sending module, configured to send a refill request for refilling the electronic wallet terminal to the payment platform, wherein the refill request adopts the digital identity in advance And the payment terminal key is encrypted in sequence;

Decrypting module, configured to decrypt the response response according to the digital identity and the payment terminal key upon receiving a response response to the payment platform success of the payment platform;

The refill module is configured to perform recharge confirmation to the electronic wallet terminal via the FC based on the refill information obtained after decryption.

The device according to claim 9, wherein the first processing module comprises: a first sending unit, configured to send a first debit message to the electronic wallet terminal through the FC; and the second sending unit is configured to receive After the debit payment sent by the e-wallet terminal, the second debit message is sent to the payment platform, where the second debit message is pre-processed by the digital identity and the payment terminal key. Encryption

a confirmation unit, configured to perform a chargeback confirmation to the electronic wallet terminal by the FC when receiving the chargeback response message sent by the payment platform, wherein the chargeback response message is previously passed through the payment terminal key and The digital identity is encrypted in succession.

A near field communication FC portable terminal comprising the apparatus of any one of claims 9 to 12.

A payment processing device, comprising: a second generating module, configured to generate a digital fingerprint according to the scanned fingerprint obtained by scanning; and a second receiving module, configured to receive an electronic wallet key and an electronic generated by the payment platform according to the digital fingerprint Wallet account

The second processing module is configured to process the POS payment of the near field communication FC portable terminal according to the electronic wallet key and the electronic wallet account.

The device according to claim 14, further comprising: The determining module is configured to determine whether the NFC portable terminal requesting payment is a trusted terminal that supports payment, and if the determination result is yes, perform payment processing according to the electronic wallet key and the electronic wallet account.

The device according to claim 14 or 15, wherein the second processing module comprises: an encryption unit configured to upload an electronic wallet forwarded via the FC portable terminal according to the electronic wallet key The first electronic wallet payment information of the payment platform is encrypted; and/or the decryption unit is configured to perform second electronic wallet payment information that is sent to the electronic wallet by the payment platform forwarded by the FC portable terminal. Decrypting; wherein the first electronic wallet payment information and the second electronic wallet payment information comprise: electronic wallet account information, a payment password, and payment amount information.

A wearable terminal comprising the apparatus of any one of claims 14 to 16.