WO2016202108A1 - Procédé de paiement nfc, système de paiement nfc et terminal mobile - Google Patents

Procédé de paiement nfc, système de paiement nfc et terminal mobile Download PDF

Info

Publication number
WO2016202108A1
WO2016202108A1 PCT/CN2016/080834 CN2016080834W WO2016202108A1 WO 2016202108 A1 WO2016202108 A1 WO 2016202108A1 CN 2016080834 W CN2016080834 W CN 2016080834W WO 2016202108 A1 WO2016202108 A1 WO 2016202108A1
Authority
WO
WIPO (PCT)
Prior art keywords
location information
mobile terminal
geographic location
payment
stored
Prior art date
Application number
PCT/CN2016/080834
Other languages
English (en)
Chinese (zh)
Inventor
张子敬
张晴
Original Assignee
宇龙计算机通信科技(深圳)有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 宇龙计算机通信科技(深圳)有限公司 filed Critical 宇龙计算机通信科技(深圳)有限公司
Publication of WO2016202108A1 publication Critical patent/WO2016202108A1/fr

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • the present invention relates to the field of terminal technologies, and in particular, to an NFC payment method, an NFC payment system, and a mobile terminal.
  • NFC Near Field Communication
  • SE Security Element
  • HCE Host-based card emulation
  • the chip module which is the core of the NFC card simulation, is used for secure storage of sensitive information and provides a secure execution environment for transaction transactions.
  • the SE also communicates with external read/write devices through the contactless communication front-end NFC chip.
  • the NFC chip forwards the commands received from the external reader to the SE, and then processes it by the SE and responds through the NFC controller to realize the security of the data storage and transaction process.
  • the SE can Integrated into SIM (Subscriber Identity Module) card, SD (Secure Digital Memory Card) Card) card or mobile phone chip.
  • SIM Subscriber Identity Module
  • SD Secure Digital Memory Card
  • the HCE host card mode does not need to provide the SE, but the function of the SE is completed by an application running in the mobile phone or the server of the cloud.
  • the data received by the NFC chip is sent by the operating system or to the application in the mobile phone or by moving.
  • the network sends the server to the cloud to complete the interaction.
  • the two methods are characterized by bypassing the limitations of the built-in SE of the mobile phone.
  • the invention is based on the above problems, and proposes a new technical solution, which avoids the risk of the user sensitive information being maliciously copied or forged in the transaction, and improves the payment security, thereby improving the user experience. .
  • an aspect of the present invention provides an NFC payment method for a mobile terminal, including: determining whether a discovery request from a payment accepting device is received; and when the determination result is yes, acquiring the payment receiving device Determining whether the first current geographical location information belongs to the same area as the pre-stored geographical location information of the mobile terminal; when the determination is yes, completing the NFC payment; otherwise, terminating the payment.
  • the first current geographic location information of the payment receiving device needs to be acquired, and compared with the pre-stored geographical location information of the mobile terminal, if If the two belong to the same area, the control completes the NFC payment. Otherwise, the payment is terminated. In this way, the payment activity is guaranteed within the user's control range, and the user's sensitive information is maliciously copied or forged in the transaction after the transaction is avoided. Risks increase payment security and enhance the user experience.
  • the method before determining whether the discovery request is received, the method further includes: detecting whether a notification that the geographic location information of the mobile terminal changes is received; and when detecting, acquiring the mobile terminal Second current geographic location information; storing the second current geographic location information as the pre-stored geographic location information.
  • the location of the mobile terminal is likely to change at any time, so firstly, it is detected whether the notification of the change of the geographical location information of the mobile terminal is received, and if the geographical location information of the mobile terminal changes, the mobile terminal is acquired again.
  • Current location information of the terminal That is, the second current geographical location information is stored as pre-stored geographical location information, thereby realizing real-time updating of the pre-stored geographical location information, avoiding misjudgment, greatly improving the security of the payment activity, thereby improving the user experience. .
  • the storing, by the second current geographic location information, the second pre-stored geographical location information the method further includes: performing encryption processing on the second current geographic location information;
  • the processed second current geographic location information is stored to a security module of the mobile terminal.
  • the second current geographical location information is encrypted, and then stored to the security module of the mobile terminal as pre-stored geographical location information, so that the encrypted second current geographical location information fully guarantees the payment. Security to enhance the user experience.
  • the detection is continued, and thus, the pre-stored geographical location information is updated in real time to provide favorable protection.
  • the second current geographic location information of the mobile terminal is obtained by using a mobile data network or a wireless network.
  • the second current geographic location information of the mobile terminal is obtained through a mobile data network or a wireless network.
  • a mobile data network or a wireless network.
  • suitable networks may also be selected, so that the payment system is more compatible and more flexible.
  • Obtaining the geographic location information of the mobile terminal provides a variety of feasible solutions.
  • the first current geographic location information of the payment receiving device needs to be acquired, and is connected to the mobile terminal.
  • the pre-stored geographical location information is matched and matched. If it is determined that the two belong to the same area, the control completes the NFC payment, otherwise, the payment is terminated, thus ensuring that the payment activity is within the control range of the user, and avoiding the sensitive information of the user in the transaction.
  • the risk of being paid off-site after being maliciously copied or forged increases the security of the payment, thereby improving the user experience.
  • the method further includes: a detecting module, configured to: before determining whether the discovery request is received, detecting whether a notification that the geographic location information of the mobile terminal is changed; and a positioning module, And acquiring, by the second current geographic location information of the mobile terminal, a storage module, configured to store the second current geographic location information as the pre-stored geographical location information.
  • the location of the mobile terminal is likely to change at any time, so firstly, it is detected whether the notification of the change of the geographical location information of the mobile terminal is received, and if the geographical location information of the mobile terminal changes, the mobile terminal is acquired again.
  • the current geographical location information of the terminal that is, the second current geographical location information, is stored as pre-stored geographical location information, thereby realizing real-time updating of the pre-stored geographical location information, avoiding misjudgment, and greatly improving the payment activity. Security to enhance the user experience.
  • the storage module is specifically configured to: perform encryption processing on the second current geographic location information; and store the second current geographic location information that is subjected to the encryption process to the mobile The security module of the terminal.
  • the second current geographical location information is encrypted, and then stored to the security module of the mobile terminal as pre-stored geographical location information, so that the encrypted second current geographical location information fully guarantees the payment. Security to enhance the user experience.
  • the detecting module is further configured to: when not detected, detect again whether a notification that the geographical location information of the mobile terminal changes is received.
  • the detection is continued, and thus, the pre-stored geographical location information is updated in real time to provide favorable protection.
  • the second current geographic location information of the mobile terminal is obtained by using a mobile data network or a wireless network.
  • the preferred option is to obtain the mobile through a mobile data network or a wireless network.
  • the second current geographical location information of the terminal may also be selected, so that the payment system is more compatible and flexible, and provides various feasible solutions for obtaining the geographical location information of the mobile terminal.
  • a further aspect of the present invention provides a mobile terminal comprising a processor and a memory, wherein the memory stores a set of program codes, and the processor is configured to call program code stored in the memory for execution
  • the pre-stored geographical location information of the terminal belongs to the same area; when the determination is yes, the NFC payment is completed, otherwise, the payment is terminated.
  • the first current geographic location information of the payment receiving device needs to be acquired, and compared with the pre-stored geographical location information of the mobile terminal, if If the two belong to the same area, the control completes the NFC payment. Otherwise, the payment is terminated. In this way, the payment activity is guaranteed within the user's control range, and the user's sensitive information is maliciously copied or forged in the transaction after the transaction is avoided. Risks increase payment security and enhance the user experience.
  • the processor further performs: detecting, before receiving the discovery request, whether to receive a notification that the geographic location information of the mobile terminal changes; and when detecting, acquiring The second current geographic location information of the mobile terminal; storing the second current geographic location information as the pre-stored geographical location information.
  • the location of the mobile terminal is likely to change at any time, so firstly, it is detected whether the notification of the change of the geographical location information of the mobile terminal is received, and if the geographical location information of the mobile terminal changes, the mobile terminal is acquired again.
  • the current geographical location information of the terminal that is, the second current geographical location information, is stored as pre-stored geographical location information, thereby realizing real-time updating of the pre-stored geographical location information, avoiding misjudgment, and greatly improving the payment activity. Security to enhance the user experience.
  • the specific step of the processor storing the second current geographic location information as the pre-stored geographical location information is: performing encryption processing on the second current geographic location information;
  • the second current geographic location information subjected to the encryption process is stored to a security module of the mobile terminal.
  • the second current geographical location information is encrypted, and then stored to the security module of the mobile terminal as pre-stored geographical location information, so that the encrypted second current geographical location information fully guarantees the payment. Security to enhance the user experience.
  • the processor further performs: detecting, when not detected, whether a notification of the change of the geographical location information of the mobile terminal is received.
  • the detection is continued, and thus, the pre-stored geographical location information is updated in real time to provide favorable protection.
  • the processor further performs: acquiring the second current geographic location information of the mobile terminal by using a mobile data network or a wireless network.
  • the second current geographic location information of the mobile terminal is obtained through a mobile data network or a wireless network.
  • a mobile data network or a wireless network.
  • suitable networks may also be selected, so that the payment system is more compatible and more flexible.
  • Obtaining the geographic location information of the mobile terminal provides a variety of feasible solutions.
  • the technical solution of the invention avoids the risk of the user sensitive information being maliciously copied or forged in the transaction, and the payment security is improved, thereby improving the user experience.
  • FIG. 1 is a flow chart showing an NFC payment method according to an embodiment of the present invention.
  • FIG. 2 shows a block diagram of an NFC payment system in accordance with one embodiment of the present invention
  • FIG. 3 shows a block diagram of a mobile terminal in accordance with one embodiment of the present invention
  • FIG. 4 is a schematic flowchart showing a geographic location information update of a mobile terminal according to an embodiment of the present invention
  • FIG. 5 is a schematic flowchart diagram of an NFC payment method according to another embodiment of the present invention.
  • FIG. 6 shows a block diagram of a mobile terminal in accordance with another embodiment of the present invention.
  • FIG. 1 shows a flow chart of an NFC payment method according to an embodiment of the present invention.
  • an NFC payment method is used in a mobile terminal, including: Step 102, determining whether a discovery request from a payment accepting device is received; Step 104, when the determination result is yes, acquiring The first current geographic location information of the payment receiving device; step 106, determining whether the first current geographic location information belongs to the same region as the pre-stored geographical location information of the mobile terminal; and step 108, when the determination is yes, Complete the NFC payment, otherwise, terminate the payment.
  • the first current geographic location information of the payment receiving device needs to be acquired, and compared with the pre-stored geographical location information of the mobile terminal, if If the two belong to the same area, the control completes the NFC payment. Otherwise, the payment is terminated. In this way, the payment activity is guaranteed within the user's control range, and the user's sensitive information is maliciously copied or forged in the transaction after the transaction is avoided. Risks increase payment security and enhance the user experience.
  • the method further includes: detecting whether a notification that the geographic location information of the mobile terminal changes is received; and detecting, acquiring the second current current of the mobile terminal Geographical location information; storing the second current geographic location information as the pre-stored geographic location information.
  • the location of the mobile terminal is likely to change at any time, so firstly, it is detected whether the notification of the change of the geographical location information of the mobile terminal is received, and if the geographical location information of the mobile terminal changes, the mobile terminal is acquired again.
  • the current geographical location information of the terminal that is, the second current geographical location information, is stored as pre-stored geographical location information, thereby realizing real-time updating of the pre-stored geographical location information, avoiding misjudgment, and greatly improving the payment activity. Security to enhance the user experience.
  • the storing, by the second current geographic location information, the pre-stored geographical location information specifically: the second current geographic location information Performing an encryption process; storing the second current geographic location information subjected to the encryption process to a security module of the mobile terminal.
  • the second current geographical location information is encrypted, and then stored to the security module of the mobile terminal as pre-stored geographical location information, so that the encrypted second current geographical location information fully guarantees the payment. Security to enhance the user experience.
  • the detection is continued, and thus, the pre-stored geographical location information is updated in real time to provide favorable protection.
  • the second current geographic location information of the mobile terminal is obtained by using a mobile data network or a wireless network.
  • the second current geographic location information of the mobile terminal is obtained through a mobile data network or a wireless network.
  • a mobile data network or a wireless network.
  • suitable networks may also be selected, so that the payment system is more compatible and more flexible.
  • Obtaining the geographic location information of the mobile terminal provides a variety of feasible solutions.
  • FIG. 2 shows a block diagram of an NFC payment system in accordance with one embodiment of the present invention.
  • the NFC payment system 200 of an embodiment of the present invention is used for a mobile terminal, and includes: a first determining module 202, configured to determine whether a discovery request from a payment accepting device is received; and an obtaining module 204, When the determination result is yes, the first current geographic location information of the payment receiving device is obtained; and the second determining module 206 is configured to determine whether the first current geographic location information and the pre-stored geographic location of the mobile terminal The location information belongs to the same area; the control module 208 is configured to, when the determination is yes, control to complete the NFC payment, otherwise, control terminates the payment.
  • the first current geographic location information of the payment receiving device needs to be acquired, and compared with the pre-stored geographical location information of the mobile terminal, if If the two belong to the same area, the control completes the NFC payment. Otherwise, the payment is terminated. In this way, the payment activity is guaranteed within the user's control range, and the user's sensitive information is maliciously copied or forged in the transaction after the transaction is avoided. Wind Risks increase payment security and enhance the user experience.
  • the method further includes: a detecting module 210, configured to: before determining whether the discovery request is received, detecting whether a notification that the geographic location information of the mobile terminal changes is received; and the positioning module 212 For detecting the second current geographic location information of the mobile terminal, the storage module 214 is configured to store the second current geographic location information as the pre-stored geographical location information.
  • the location of the mobile terminal is likely to change at any time, so firstly, it is detected whether the notification of the change of the geographical location information of the mobile terminal is received, and if the geographical location information of the mobile terminal changes, the mobile terminal is acquired again.
  • the current geographical location information of the terminal that is, the second current geographical location information, is stored as pre-stored geographical location information, thereby realizing real-time updating of the pre-stored geographical location information, avoiding misjudgment, and greatly improving the payment activity. Security to enhance the user experience.
  • the storage module 214 is specifically configured to: perform encryption processing on the second current geographic location information; and store the second current geographic location information that is subjected to the encryption process to the The security module of the mobile terminal.
  • the second current geographical location information is encrypted, and then stored to the security module of the mobile terminal as pre-stored geographical location information, so that the encrypted second current geographical location information fully guarantees the payment. Security to enhance the user experience.
  • the detecting module 210 is further configured to: when not detected, detect again whether a notification that the geographical location information of the mobile terminal changes is received.
  • the detection is continued, and thus, the pre-stored geographical location information is updated in real time to provide favorable protection.
  • the second current geographic location information of the mobile terminal is obtained by using a mobile data network or a wireless network.
  • the second current geographic location information of the mobile terminal is obtained through a mobile data network or a wireless network.
  • a mobile data network or a wireless network.
  • other suitable networks may also be selected, so that the payment system is more compatible and more flexible. Get the location information of the mobile terminal provided A variety of feasible options.
  • FIG. 3 shows a block diagram of a mobile terminal in accordance with one embodiment of the present invention.
  • a mobile terminal 300 includes the NFC payment system 200 according to any one of the above technical solutions.
  • the mobile terminal 300 includes the NFC payment system 200 according to any one of the above technical solutions, and thus has all the beneficial effects of the NFC payment system 200 described in any one of the above technical solutions, and is no longer here. Narration.
  • FIG. 4 is a flow chart showing the updating of the geographic location information of the mobile terminal according to an embodiment of the present invention.
  • FIG. 5 is a flow chart showing an NFC payment method according to another embodiment of the present invention.
  • the technical solution of the present invention mainly includes two processes of current geographic location information update and transaction payment authentication of a mobile terminal, which are respectively described as follows:
  • the current geographic location information update process of the mobile terminal includes:
  • Step 402 Detect whether a notification that the geographic location information of the mobile terminal has changed is received, and if yes, proceed to step 404, otherwise proceed to step 406.
  • Step 404 The mobile terminal acquires, by using a mobile network or a wireless network, geographic location information (ie, second current geographic location information) that the mobile terminal is currently located.
  • geographic location information ie, second current geographic location information
  • Step 406 If it is not detected that the notification that the geographical location information of the mobile terminal changes, the detection is continued.
  • Step 408 the geographic location information is then written to the entity or virtual SE (security module) (ie, stored as pre-stored geographic location information) for subsequent payment procedures.
  • entity or virtual SE security module
  • the acquisition of the geographical location information may be an active reporting by the network, or may be an active inquiry by the terminal;
  • the SE module in the traditional SE solution and the virtual SE refers to the software that implements the SE function in the HCE host card simulation solution, which may be a host APP application or a cloud server;
  • the writing of geographical location information must be written to the entity or virtual SE.
  • the software can be used. Usually, the terminal will complete the card issuance and data personalization through the software. It has a strict authentication login process.
  • the transaction payment authentication process includes:
  • Step 502 Determine whether a discovery request from the payment accepting device is received, if yes, proceed to step 504, otherwise, terminate the payment.
  • a user conducts an NFC payment transaction using a mobile phone, he or she receives a request for discovery of an external receiving device.
  • Step 504 Acquire first geographic location information of the payment accepting device.
  • Step 506 Determine whether the first current geographic location information of the payment receiving device is compared with the geographic location (ie, pre-stored geographical location information) of the terminal currently stored in the entity or the virtual SE, and determine whether it belongs to the same area. If yes, go to step 508. Otherwise, proceed to step 510.
  • the geographic location ie, pre-stored geographical location information
  • Step 508 if the two belong to the same area, continue the transaction.
  • Step 510 if the two do not belong to the same area, terminate the transaction.
  • the terminal usually uses the software to complete the card issuance, data personalization, etc.
  • the authentication login process, and the geographical location information is encrypted and stored in the entity or the virtual SE, and the external information cannot be obtained.
  • the pseudo-card of the malicious user cannot tamper with the encrypted information in the user SE, so that the pseudo-card consumption of the remote card is terminated.
  • the mobile terminal 7 may include: at least one processor 71, such as a CPU, at least one communication bus 72, and a memory 73;
  • the communication bus 72 is used to implement connection communication between these components;
  • the memory 73 may be a high speed RAM memory or a non-volatile memory such as at least one disk memory.
  • a set of program codes is stored in the memory 73, and the processor 71 is configured to call the program code stored in the memory 73 for performing the following operations:
  • the first current geographic location information of the payment receiving device needs to be acquired, and compared with the pre-stored geographical location information of the mobile terminal, if If the two belong to the same area, the control completes the NFC payment. Otherwise, the payment is terminated. In this way, the payment activity is guaranteed within the user's control range, and the user's sensitive information is maliciously copied or forged in the transaction after the transaction is avoided. Risks increase payment security and enhance the user experience.
  • the processor 71 further performs: before determining whether the discovery request is received:
  • the second current geographic location information is stored as the pre-stored geographic location information.
  • the location of the mobile terminal is likely to change at any time, so firstly, it is detected whether the notification of the change of the geographical location information of the mobile terminal is received, and if the geographical location information of the mobile terminal changes, the mobile terminal is acquired again.
  • the current geographical location information of the terminal that is, the second current geographical location information, is stored as pre-stored geographical location information, thereby realizing real-time updating of the pre-stored geographical location information, avoiding misjudgment, and greatly improving the payment activity. Security to enhance the user experience.
  • the specific step of the processor 71 storing the second current geographical location information as the pre-stored geographical location information is:
  • the second current geographic location information subjected to the encryption process is stored to a security module of the mobile terminal.
  • the second current geographical location information is encrypted, and then stored to the security module of the mobile terminal as pre-stored geographical location information, so that the encrypted second current geographical location information fully guarantees the payment. Security to enhance the user experience.
  • the processor 71 further performs:
  • the detection is continued, and thus, the pre-stored geographical location information is updated in real time to provide favorable protection.
  • the processor 71 further performs:
  • the second current geographic location information of the mobile terminal is obtained through a mobile data network or a wireless network.
  • the second current geographic location information of the mobile terminal is obtained through a mobile data network or a wireless network.
  • a mobile data network or a wireless network.
  • suitable networks may also be selected, so that the payment system is more compatible and more flexible.
  • Obtaining the geographic location information of the mobile terminal provides a variety of feasible solutions.
  • the technical solution of the invention avoids the risk of the user sensitive information being maliciously copied or forged in the transaction, and the payment security is improved, thereby improving the user experience.

Abstract

L'invention concerne un procédé de paiement NFC, un système de paiement NFC et un terminal mobile. Le procédé de paiement NFC comprend les étapes suivantes : évaluer s'il faut recevoir une demande de découverte provenant d'un dispositif d'acceptation de paiement; si un résultat d'évaluation est affirmatif, acquérir des premières informations d'emplacement géographique actuel à propos du dispositif d'acceptation de paiement; évaluer si les premières informations d'emplacement géographique actuel et des informations d'emplacement géographique préstockées à propos du terminal mobile appartiennent à la même région; si c'est le cas, effectuer le paiement NFC, sinon arrêter le paiement. La solution technique de la présente invention évite le risque dans une transaction que le paiement soit effectué ailleurs après que des informations sensibles à propos d'un utilisateur ont été reproduites ou falsifiées de façon malveillante, et améliore la sécurité de paiement, et améliore ainsi l'expérience d'utilisateur.
PCT/CN2016/080834 2015-06-19 2016-04-29 Procédé de paiement nfc, système de paiement nfc et terminal mobile WO2016202108A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201510346562.6A CN105631662A (zh) 2015-06-19 2015-06-19 Nfc支付方法、nfc支付系统和移动终端
CN201510346562.6 2015-06-19

Publications (1)

Publication Number Publication Date
WO2016202108A1 true WO2016202108A1 (fr) 2016-12-22

Family

ID=56046561

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2016/080834 WO2016202108A1 (fr) 2015-06-19 2016-04-29 Procédé de paiement nfc, système de paiement nfc et terminal mobile

Country Status (2)

Country Link
CN (1) CN105631662A (fr)
WO (1) WO2016202108A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112150160A (zh) * 2020-09-30 2020-12-29 重庆市科学技术研究院 一种电子票券交易建议生成方法及系统

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106204026A (zh) * 2016-07-22 2016-12-07 西安酷派软件科技有限公司 一种移动支付的方法及装置
CN108960813A (zh) * 2018-06-28 2018-12-07 苏州食在有趣网络科技有限公司 一种基于nfc支付的智能收银系统
CN111242608B (zh) * 2020-02-03 2024-03-22 中国银联股份有限公司 一种支付方法、终端、服务器及系统
CN112184209A (zh) * 2020-09-07 2021-01-05 广东以诺通讯有限公司 一种d2d终端通过nfc实现代付的方法和终端

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20130124346A1 (en) * 2011-11-14 2013-05-16 At&T Intellectual Property I, L.P. Security Token for Mobile Near Field Communication Transactions
CN104318431A (zh) * 2014-10-20 2015-01-28 惠州Tcl移动通信有限公司 一种基于nfc的无线支付位置信息处理方法及系统
CN104574069A (zh) * 2015-01-30 2015-04-29 广东欧珀移动通信有限公司 一种近场通信nfc支付方法及装置
CN104766205A (zh) * 2015-03-05 2015-07-08 广东欧珀移动通信有限公司 一种移动支付方法及装置
CN204557684U (zh) * 2015-02-10 2015-08-12 福建睿矽微电子科技有限公司 一种pos机可实现人脸识别的系统

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102790632B (zh) * 2011-05-19 2015-07-08 深圳富泰宏精密工业有限公司 具有近场通讯保护功能的移动设备及其保护方法
CN103778730B (zh) * 2013-12-31 2016-04-06 宇龙计算机通信科技(深圳)有限公司 提高移动终端近场通信支付安全性的方法、系统及其终端
CN104504568A (zh) * 2014-12-26 2015-04-08 网易宝有限公司 支付模式控制方法和设备
CN105631659A (zh) * 2015-04-02 2016-06-01 深圳酷派技术有限公司 支付请求处理方法、支付请求处理装置和终端

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20130124346A1 (en) * 2011-11-14 2013-05-16 At&T Intellectual Property I, L.P. Security Token for Mobile Near Field Communication Transactions
CN104318431A (zh) * 2014-10-20 2015-01-28 惠州Tcl移动通信有限公司 一种基于nfc的无线支付位置信息处理方法及系统
CN104574069A (zh) * 2015-01-30 2015-04-29 广东欧珀移动通信有限公司 一种近场通信nfc支付方法及装置
CN204557684U (zh) * 2015-02-10 2015-08-12 福建睿矽微电子科技有限公司 一种pos机可实现人脸识别的系统
CN104766205A (zh) * 2015-03-05 2015-07-08 广东欧珀移动通信有限公司 一种移动支付方法及装置

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112150160A (zh) * 2020-09-30 2020-12-29 重庆市科学技术研究院 一种电子票券交易建议生成方法及系统
CN112150160B (zh) * 2020-09-30 2023-08-08 重庆市科学技术研究院 一种电子票券交易建议生成方法及系统

Also Published As

Publication number Publication date
CN105631662A (zh) 2016-06-01

Similar Documents

Publication Publication Date Title
US20230284021A1 (en) Secure elements broker (seb) for application communication channel selector optimization
KR102566248B1 (ko) 전자 결제 기능을 제공하는 전자 장치 및 그의 동작 방법
US11107047B2 (en) Electronic device providing electronic payment function and operating method thereof
WO2016202108A1 (fr) Procédé de paiement nfc, système de paiement nfc et terminal mobile
US10127533B2 (en) Managing devices associated with a digital wallet account
US10432620B2 (en) Biometric authentication
CN110826043B (zh) 一种数字身份申请系统及方法、身份认证系统及方法
US20140279403A1 (en) Methods and systems for executing mobile currency transactions
JP2022513977A (ja) 指定ポイント承認における身元識別方法、装置及びサーバ
US20170083882A1 (en) Secure payment method and electronic device adapted thereto
KR20180013524A (ko) 전자 장치 및 전자 장치의 생체 정보 인증 방법
KR20180019777A (ko) Nfc 기반 결제를 위한 생체인식 인증 사용
EP3401823B1 (fr) Procédé et dispositif de vérification de sécurité pour application de carte à puce
JP5981035B2 (ja) ハードウェアによるアクセス保護
JP6388765B2 (ja) 無効化モジュールを備えた電子アセンブリ
KR20180055209A (ko) 대리 장치를 이용한 결제 방법 및 이를 수행하는 전자 장치
CN106922193A (zh) 用于支付的装置和方法
CN106663017B (zh) 实现主机卡模拟的方法、终端、数据路由方法及装置
Alattar et al. Host-based card emulation: Development, security, and ecosystem impact analysis
US20150365827A1 (en) Methods and systems for authentication of a communication device
CN104951933A (zh) 一种安全支付方法及移动终端
US9477917B1 (en) System and method of context specific identity in a radio frequency identity (RFID) chip
EP3543938B1 (fr) Authentification d'une carte de transaction à l'aide d'un fichier multimédia
KR20180040904A (ko) 전자 장치 및 그의 동작 방법
WO2018161519A1 (fr) Procédé de paiement et terminal

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 16810849

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 16810849

Country of ref document: EP

Kind code of ref document: A1