WO2016165171A1

WO2016165171A1 - Near field communication payment method and device for mobile terminal, and mobile terminal

Info

Publication number: WO2016165171A1
Application number: PCT/CN2015/078088
Authority: WO
Inventors: 梁维伟
Original assignee: 宇龙计算机通信科技(深圳)有限公司
Priority date: 2015-04-14
Filing date: 2015-04-30
Publication date: 2016-10-20
Also published as: CN105631660A

Abstract

Provided are a near field communication payment method and device for a mobile terminal, and mobile terminal. The near field communication payment method for the mobile terminal comprises: enabling a near field communication payment function of the mobile terminal, and determining whether a payment is completed in a predetermined time period via the near field communication payment function; and if not, then disabling the near field communication payment function of the mobile terminal. The technical solution of the present invention effectively improves security of the near field communication payment while ensuring convenience thereof.

Description

Near field payment method, device and mobile terminal for mobile terminal

This application claims the priority of the Chinese Patent Application entitled "Near Field Payment Method, Apparatus and Mobile Terminal for Mobile Terminals" submitted by the Chinese Patent Office on April 14, 2015, the application number is 201510175104.0, the entire contents of which are hereby incorporated by reference. This is incorporated herein by reference.

Technical field

The present invention relates to the field of mobile payment technologies, and in particular, to a near field payment method for a mobile terminal, a near field payment device for a mobile terminal, and a mobile terminal.

Background technique

With the development of mobile communication technology, mobile payment, especially near-field payment, has been widely used. Among them, the most typical use scenario of near-field payment is non-contact IC (Integrated Circuit) card, such as bus card, school Campus card, meal card, etc.

The contactless IC card is mainly composed of three parts: an antenna, an MPU (Microprocessor Unit), and a Flash-ROM (flash memory). Among them, the MPU and the Flash-ROM are packaged in the same chip, which is the core of the entire IC card. The MPU is responsible for encrypting, decrypting, analyzing and controlling the storage of data received by the antenna, and the Flash-ROM is a storage medium for storing encrypted data. An IC card is like a small terminal device that can process, calculate, store, and exchange data with the outside.

The whole workflow of the IC card is as follows: the card reader emits electromagnetic waves in real time. When the IC card enters the effective range of the electromagnetic wave, the antenna receives the electromagnetic wave. The essence of the electromagnetic wave is the alternating electric field and the magnetic field, and the changing magnetic field is Current is generated in a closed loop composed of an antenna, an MPU, and a Flash-ROM. This current provides energy to the MPU and simultaneously loads some form of data information. The MPU synchronizes with the card reader first, and obtains the identity data of the IC card from the Flash-ROM, and performs verification with the card reader. After the verification is completed, the data in the Flash-ROM is operated. After the operation is successful, the data is sent to the card reader, and the card reader displays the related information to the user.

At present, a scheme for integrating an IC card with a terminal has been proposed in the related art, such as embedding an IC card into a SIM card or placing it on a casing of the terminal. Although the IC card has been largely integrated with the terminal, it is still a simple way of hardware consolidation, the operating system of the terminal. There is no connection between the IC card and the IC card. Since the contactless IC card is a passive card, the feature of making the most payment is quick and convenient, but the security is weak. And since the conventional IC card itself has no power supply, it is impossible to implement security settings through its own control circuit.

Therefore, how to improve the security of near-field payment under the premise of ensuring the convenience of near-field payment has become a technical problem to be solved urgently.

Summary of the invention

The invention is based on at least one of the above technical problems, and proposes a new near field payment scheme for a mobile terminal, which can effectively improve the security of near field payment while ensuring the convenience of near field payment. .

In view of this, the present invention provides a near field payment method for a mobile terminal, comprising: determining whether a payment is completed by the near field payment function within a predetermined time after activating the near field payment function of the mobile terminal If the payment is not completed within the predetermined time, the near field payment function of the mobile terminal is turned off.

In this technical solution, since the near-field payment function of the mobile terminal is currently not activated after the startup, there may be a problem of being maliciously stolen, and therefore, when determining that the payment is not completed within a predetermined time, the near field of the mobile terminal is closed. The payment function can avoid the problem of the stolen brush caused by the loss of the mobile terminal, and effectively ensures the security of the mobile terminal when using the near field payment function. The user can set the predetermined time mentioned above according to the actual situation, such as setting to 1 minute.

In the above technical solution, preferably, the step of determining whether to activate the near field payment function of the mobile terminal comprises: when receiving an instruction issued by the user to enable the near field payment function of the mobile terminal, to the user The identity is verified; and after the authentication of the user is passed, it is determined that the near field payment function of the mobile terminal needs to be activated.

In this technical solution, by receiving an instruction issued by the user to enable the near field payment function of the mobile terminal, the identity of the user is verified, so that the user may be effectively prevented from stealing the near field payment of the mobile terminal and causing the user's loss. To ensure the security of the mobile terminal when using the near field payment function.

In the above technical solution, preferably, the identity of the user is verified by verifying the authentication information entered by the user and/or the collected identification information of the user.

The authentication information input by the user includes: inputting password information by using a physical button or a virtual button; and the collected identification information of the user includes: fingerprint information of the user, voiceprint information, face image information, and the like.

In the above technical solution, preferably, the method further includes: if the payment is completed within the predetermined time, turning off the near field payment function of the mobile terminal while completing the payment.

In this technical solution, by turning off the near field payment function of the mobile terminal while completing the payment, it is possible to avoid continuing to open the near field payment function and causing the illegal user to steal the near field payment of the mobile terminal.

In the above technical solution, preferably, the mobile terminal is provided with a near field payment circuit, and the near field payment circuit is connected in series with the electronic switch, and the opening or closing of the electronic switch is controlled to open or close the The near field payment function of the mobile terminal.

According to another aspect of the present invention, a near field payment apparatus for a mobile terminal is further provided, comprising: a determining unit, configured to determine whether to pass the predetermined time after starting the near field payment function of the mobile terminal The near field payment function completes the payment; the control unit is configured to close the near field payment function of the mobile terminal when the determining unit determines that the payment is not completed within the predetermined time.

In the above technical solution, preferably, the method further includes: an identity verification unit, configured to verify the identity of the user when receiving an instruction issued by the user to enable the near field payment function of the mobile terminal, and After the user's identity verification is passed, it is determined that the near field payment function of the mobile terminal needs to be activated.

In the above technical solution, preferably, the identity verification unit is specifically configured to: The authentication information entered by the user and/or the collected identification information of the user are verified to verify the identity of the user.

In the above technical solution, preferably, the control unit is further configured to: if the payment is completed within the predetermined time, turn off the near field payment function of the mobile terminal while completing the payment.

In the above technical solution, preferably, the mobile terminal is provided with a near field payment circuit, and the near field payment circuit is connected in series with the electronic switch, and the control unit is specifically configured to: control the opening of the electronic switch Or off to turn on or off the near field payment function of the mobile terminal.

According to still another aspect of the present invention, a mobile terminal is further provided, the mobile terminal comprising a communication bus, a transceiver, a memory, and a processor, wherein:

The communication bus is configured to implement connection communication between the transceiver device, the memory, and the processor;

The program stores a set of program codes, and the processor calls program code stored in the memory to perform the following operations:

The processor is configured to determine, after starting the near field payment function of the mobile terminal, whether the payment is completed by the near field payment function within a predetermined time;

The processor is further configured to close the near field payment function of the mobile terminal if the payment is not completed within the predetermined time.

In the above technical solution, preferably, the step of the processor determining whether to activate the near field payment function of the mobile terminal specifically includes:

The receiving device is configured to verify the identity of the user when receiving an instruction issued by the user to enable the near field payment function of the mobile terminal, and determine that the identity is required after the identity verification of the user is passed. The near field payment function of the mobile terminal is activated.

In the above technical solution, preferably, the processor further performs the following steps:

If the payment is completed within the predetermined time, the near field payment function of the mobile terminal is turned off while the payment is completed.

In the above technical solution, preferably, the mobile terminal is provided with a near field payment circuit, and the near field payment circuit is connected in series with the electronic switch, and the processor is further configured to perform the following steps:

The near field payment function of the mobile terminal is turned on or off by controlling the opening or closing of the electronic switch.

Through the above technical solutions, the security of near-field payment can be effectively improved under the premise of ensuring the convenience of near-field payment.

DRAWINGS

1 shows a schematic flow chart of a near field payment method for a mobile terminal in accordance with an embodiment of the present invention;

2 shows a schematic block diagram of a near field payment device for a mobile terminal in accordance with an embodiment of the present invention;

FIG. 3 is a schematic diagram showing the circuit structure of a near field payment according to an embodiment of the present invention; FIG.

FIG. 4 shows a schematic flow chart of a mobile payment method according to an embodiment of the present invention; FIG.

FIG. 5 shows a schematic structural diagram of a mobile terminal according to an embodiment of the present invention.

detailed description

The present invention will be further described in detail below with reference to the drawings and specific embodiments. 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 the following description, numerous specific details are set forth in order to provide a full understanding of the invention, but the invention may be practiced otherwise than as described herein. Limitations of the embodiments.

FIG. 1 shows a schematic flow chart of a near field payment method for a mobile terminal in accordance with an embodiment of the present invention.

As shown in FIG. 1 , a near field payment method for a mobile terminal according to an embodiment of the present invention includes: Step 102, after starting a near field payment function of the mobile terminal, determining whether the The near field payment function completes the payment; in step 104, if the payment is not completed within the predetermined time, the near field payment function of the mobile terminal is turned off.

In the above technical solution, preferably, the mobile terminal is provided with a near field payment circuit, and the near field payment circuit is connected in series with the electronic switch, by controlling the opening of the electronic switch Or off to turn on or off the near field payment function of the mobile terminal.

2 shows a schematic block diagram of a near field payment device for a mobile terminal in accordance with an embodiment of the present invention.

As shown in FIG. 2, a near field payment device 200 for a mobile terminal according to an embodiment of the present invention includes a judging unit 202 and a control unit 204.

The determining unit 202 is configured to: after starting the near field payment function of the mobile terminal, determine whether the payment is completed by the near field payment function within a predetermined time; the control unit 204 is configured to determine at the determining unit 202 When the payment is not completed within the predetermined time, the near field payment function of the mobile terminal is turned off.

In the above technical solution, preferably, the method further includes: an identity verification unit 206, configured to verify the identity of the user when receiving an instruction issued by the user to enable the near field payment function of the mobile terminal, and After the authentication of the user is passed, it is determined that the near field payment function of the mobile terminal needs to be activated.

In the above technical solution, preferably, the identity verification unit 206 is configured to: verify the authentication information entered by the user and/or the collected identification information of the user, to the user Identity is verified.

In the above technical solution, preferably, the control unit 204 is further configured to: if The payment is completed within a fixed time, and the near field payment function of the mobile terminal is turned off while the payment is completed.

In the above technical solution, preferably, the mobile terminal is provided with a near field payment circuit, and the near field payment circuit is connected in series with the electronic switch, and the control unit 204 is specifically configured to: by controlling the electronic switch Turning on or off to enable or disable the near field payment function of the mobile terminal.

The present invention also proposes a mobile terminal (not shown) comprising: a near field payment device 200 for a mobile terminal as shown in FIG.

Hereinafter, the mobile terminal is taken as an example of a mobile phone, and the technical solution of the present invention is described in detail with reference to FIG. 3 and FIG. 4.

The invention provides a non-contact IC security payment method based on short-term authentication, which mainly proposes an auxiliary control of a traditional non-contact IC card circuit through a mobile phone, so as to achieve the purpose of improving the security of mobile payment, and the basic The principle is as follows:

The non-contact IC card circuit is built into the mobile phone (main board, back cover or other parts); at the same time, an electronic switch is added to the conventional circuit, and the opening and relationship of the switch is controlled by the application of the mobile terminal. When the user needs to pay, the payment program is started to perform identity verification. After the verification is passed, the electronic switch is turned on for a fixed time (for example, 1 minute); if the user completes the payment within a fixed time, the control electronic switch automatically starts when the payment is completed. Off; if the user does not pay within a fixed time, the electronic switch will automatically turn off.

Specifically, as shown in FIG. 3, the circuit of the near field payment proposed by the present invention mainly adds an electronic switch to the traditional non-contact IC card circuit, and is controlled by the mobile phone end application program and the corresponding control circuit to pay for the airport. Provide short-term effective time to achieve the purpose of secure payment control.

The specific processing flow is shown in Figure 4.

As shown in FIG. 4, a mobile payment method according to an embodiment of the present invention includes:

In step 402, the user needs to make a mobile payment. If the user opens an application that requires mobile payment.

Step 404: The mobile terminal starts an identity authentication interface.

In step 406, the user inputs authentication information. For example, enter password verification information through physical buttons, virtual buttons on the interface, or enter fingerprints.

In step 408, it is determined whether the user passes the authentication. If yes, step 410 is performed; otherwise, the process ends. Wherein, determining whether the user is authenticated or not is determined by comparing the collected information with the saved information, for example, by fingerprint identification, the fingerprint identifier of the mobile phone collects the fingerprint information of the user, and the storage library of the mobile phone end The fingerprint information in the comparison is the authentication process. For example, the password verification interface is started by the application on the mobile terminal, and the user needs to manually input a valid password, which is also an authentication process.

In step 410, the control electronic switch is closed, and the non-contact IC card circuit is valid.

In step 412, it is determined whether the electronic switch closing time has expired. If yes, step 416 is performed; otherwise, step 414 is performed.

In step 414, it is determined whether the payment is completed. If yes, step 416 is performed; otherwise, step 412 is returned.

In step 416, the control electronic switch is turned off, and the non-contact IC card circuit is disabled.

The above technical solution of the invention has a built-in non-contact IC card on the mobile phone end, and corresponding security control is performed through the mobile phone end, which not only ensures the fast and convenient payment process of the traditional IC card, but also improves the security of the payment process.

FIG. 5 shows a schematic structural diagram of a mobile terminal according to an embodiment of the present invention. As shown in FIG. 5, the terminal may include at least one transceiver 503, at least one processor 501, such as a CPU, a memory 504, and at least one communication bus 502.

The communication bus 502 is configured to connect the transceiver 503, the processor 501, and the memory 504.

The above memory 504 may be a high speed RAM memory or a non-volatile memory such as a disk memory. The memory 504 is further configured to store a set of program codes, and the transceiver 503 and the processor 501 are configured to call the program code stored in the memory 504, and perform the following operations:

The processor 501 is configured to determine, after starting the near field payment function of the mobile terminal, whether the payment is completed by the near field payment function within a predetermined time;

The processor 501 is further configured to close the near field payment function of the mobile terminal if the payment is not completed within the predetermined time.

In the above technical solution, preferably, the step of the processor 501 determining whether to activate the near field payment function of the mobile terminal specifically includes:

The transceiver 503 is configured to verify the identity of the user when receiving an instruction issued by the user to enable the near field payment function of the mobile terminal, and after determining the identity verification of the user, determine The near field payment function of the mobile terminal needs to be activated.

In the above technical solution, preferably, the processor 501 further performs the following steps:

In the above technical solution, preferably, the mobile terminal is provided with a near field payment circuit, and the near field payment circuit is connected in series with the electronic switch, and the processor 501 is further configured to perform the following steps:

The near field payment function of the mobile terminal is turned on or off by controlling the opening or closing of the electronic switch. The technical solution of the present invention is described in detail above with reference to the accompanying drawings. The present invention proposes a new near field payment scheme for a mobile terminal, which can effectively improve the near field payment while ensuring the convenience of near field payment. Security.

The above description 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.

Claims

A near field payment method for a mobile terminal, comprising:

After initiating the near field payment function of the mobile terminal, determining whether the payment is completed by the near field payment function within a predetermined time;

If the payment is not completed within the predetermined time, the near field payment function of the mobile terminal is turned off.
The method for determining a near field payment function for a mobile terminal according to claim 1, wherein the step of determining whether to activate the near field payment function of the mobile terminal comprises:

Verifying the identity of the user upon receiving an instruction from the user to enable the near field payment function of the mobile terminal;

After the authentication of the user is passed, it is determined that the near field payment function of the mobile terminal needs to be activated.
The near field payment method for a mobile terminal according to claim 2, wherein the authentication information entered by the user and/or the collected identification information of the user is verified to The identity of the user is verified.
The near field payment method for a mobile terminal according to claim 1, further comprising:

If the payment is completed within the predetermined time, the near field payment function of the mobile terminal is turned off while the payment is completed.
The near field payment method for a mobile terminal according to any one of claims 1 to 4, wherein the mobile terminal is provided with a near field payment circuit, and the near field payment circuit is connected in series with an electronic switch. And turning on or off the near field payment function of the mobile terminal by controlling the opening or closing of the electronic switch.
A near field payment device for a mobile terminal, comprising:

a determining unit, configured to determine, after starting the near field payment function of the mobile terminal, whether the payment is completed by the near field payment function within a predetermined time;

And a control unit, configured to: when the determining unit determines that the payment is not completed within the predetermined time, close the near field payment function of the mobile terminal.
A near field payment device for a mobile terminal according to claim 6, wherein Also includes:

An identity verification unit, configured to verify the identity of the user when the user initiates an instruction to enable the near field payment function of the mobile terminal, and determine that the user needs to be activated after the identity verification of the user is passed. The near field payment function of the mobile terminal.
The near field payment device for a mobile terminal according to claim 6, wherein the control unit is further configured to:

If the payment is completed within the predetermined time, the near field payment function of the mobile terminal is turned off while the payment is completed.
The near field payment device for a mobile terminal according to any one of claims 6 to 8, wherein the mobile terminal is provided with a near field payment circuit, and the near field payment circuit is connected in series with an electronic switch The control unit is specifically configured to:

The near field payment function of the mobile terminal is turned on or off by controlling the opening or closing of the electronic switch.
A mobile terminal, characterized in that the mobile terminal comprises a communication bus, a transceiver, a memory and a processor, wherein:

The communication bus is configured to implement connection communication between the transceiver device, the memory, and the processor;

The program stores a set of program codes, and the processor calls program code stored in the memory to perform the following operations:

The processor is configured to determine, after starting the near field payment function of the mobile terminal, whether the payment is completed by the near field payment function within a predetermined time;

The processor is further configured to close the near field payment function of the mobile terminal if the payment is not completed within the predetermined time.
The mobile terminal according to claim 10, wherein the step of the processor determining whether to activate the near field payment function of the mobile terminal comprises:

The receiving device is configured to verify the identity of the user when receiving an instruction issued by the user to enable the near field payment function of the mobile terminal, and determine that the identity is required after the identity verification of the user is passed. The near field payment function of the mobile terminal is activated.
The mobile terminal of claim 10, wherein the processor is further The following steps:

If the payment is completed within the predetermined time, the near field payment function of the mobile terminal is turned off while the payment is completed.
The mobile terminal according to any one of claims 10 to 12, wherein the mobile terminal is provided with a near field payment circuit, and the near field payment circuit is connected in series with an electronic switch, and the processor further Used to perform the following steps:

The near field payment function of the mobile terminal is turned on or off by controlling the opening or closing of the electronic switch.