CN103455913B - NFC payment, device, system and mobile terminal - Google Patents
NFC payment, device, system and mobile terminal Download PDFInfo
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- CN103455913B CN103455913B CN201310375871.7A CN201310375871A CN103455913B CN 103455913 B CN103455913 B CN 103455913B CN 201310375871 A CN201310375871 A CN 201310375871A CN 103455913 B CN103455913 B CN 103455913B
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Abstract
The invention discloses a kind of NFC payment, this method includes：First terminal receives transaction data and the NFC trading instructions of input according to the external command of reception, exports the second information；Mobile terminal receives the radiofrequency signal to activate NFC payments from first terminal；Mobile terminal is initialized using the initialization data from first terminal, and sends initialization completion response to first terminal, exports the first information；Mobile terminal is acquired to the biological characteristic of user, is obtained biometric image and is carried out image procossing, extracts the first biological characteristic value；The second biological characteristic value that first biological characteristic value and the user profile that prestores are included is compared mobile terminal, and when comparing consistent, sends certification success response to first terminal；First terminal is interacted with first server and mobile terminal, is completed NFC and is paid.Using method, device, mobile terminal and the system of the present invention, it is possible to increase security.
Description
Technical field
The present invention relates to a kind of electronic technology field, more particularly to a kind of NFC payment, a kind of NFC payment mechanisms, one
Plant NFC payment systems and mobile terminal.
Background technology
Near-field communication（Near Field Communication, NFC）It is a kind of short-range wireless communication technology, it is allowed to
The contactless Point-to-Point Data Transmission of short distance is carried out between electronic equipment.It is to be based on NFC technique that NFC, which is paid, by mobile whole
End, such as mobile phone, flat board etc. complete electronic money payment.
Quick for convenience, the NFC of small amount, which is paid, is not usually required to user's confirmation, therefore there is the wind maliciously swiped the card
Danger, such as：Existing NFC pays by sound and/or vibrations to point out user to carry out NFC payments, with fine man-machine interaction
Property, but in noisy crowded environment, user can not often discover this prompting, and the function such as short message, phone is also by sound
And/or vibration prompting user, cause user to be accustomed to sound and vibration prompting, this has just given offender's opportunity.
Although can be prevented at present using password confirming mode or fingerprint identification mode above-mentioned stolen brush the occurrence of,
Still suffer from that password and fingerprint are stolen, maliciously swiped the card the occurrence of.
The content of the invention
Present invention seek to address that problem present in above-mentioned existing NFC payments.
It is an object of the invention to provide a kind of NFC payment, this method can improve security.
It is an object of the invention to provide a kind of NFC payment mechanisms, the device can improve security.
It is an object of the invention to provide a kind of mobile terminal, the mobile terminal can improve security.
It is an object of the invention to provide a kind of NFC payment systems, the system can improve security.
To reach above-mentioned purpose, what technical scheme was specifically realized in：
One aspect of the present invention provides a kind of NFC payment, and this method includes：
A, first terminal receive external command；
B, the first terminal receive transaction data and the NFC trading instructions of input according to external command, and output second is believed
Breath；Second information carries out NFC payments to point out；
C, mobile terminal receive the radiofrequency signal to activate NFC payments from the first terminal；
D, the mobile terminal are initialized using the initialization data from the first terminal, and are being initialized
Initialization completion response is sent to the first terminal into rear；
E, the mobile terminal output first information；The first information carries out biological characteristic authentication to point out；
F, the mobile terminal are acquired to the biological characteristic of user, obtain biometric image；The biological characteristic
For：Vein pattern or iris feature；
G, the mobile terminal carry out image procossing to biometric image, extract the first biological characteristic value；
The second biological characteristic that H, the mobile terminal include the first biological characteristic value and the user profile prestored
Value is compared, and when comparing consistent, sends certification success response to the first terminal；
I, the first terminal and first server and the mobile terminal are interacted, and are completed NFC and are paid；
The first terminal is POS terminal, card reader or card reader；The first server is bank server or the 3rd
Square server.
In the above method, the step B includes：
The mobile terminal exports the first information to the first terminal, and first letter is shown by the first terminal
Breath；Or
The direct output display first information of mobile terminal.
It is preferred that the step H also includes：
When comparing inconsistent, judge whether to reach preset times, if it is, sending authentication failure response to described the
One terminal, otherwise performs step F.
In the above method, the step I includes：
I1, the first terminal are according to certification success response, the account read by transaction data and from the mobile terminal
Family information prepares data as transaction and sent to the first server；
I2, the first server perform delivery operation according to the transaction data and accounts information received, and generation is handed over
Easy script is simultaneously sent to the first terminal；
I3, the first terminal send the transaction script to the mobile terminal；
I4, the mobile terminal carry out external authentication, and perform the transaction script by rear in certification, complete NFC branch
Pay.
In the above method, mobile terminal described in step I4, which carries out external authentication, to be included：
Whether the account and/or password of the mobile terminal checking input are consistent with the user profile prestored, if unanimously,
Then external authentication passes through.
Another aspect of the invention provides a kind of NFC payment mechanisms, and the device includes：
NFC antenna, transceiving radio frequency signal；
NFC communication module, connects the NFC antenna and NFC pays logic module, to complete first terminal and NFC branch
Pay the communication between logic module；
The NFC communication module includes：
First module, detects whether to receive the radiofrequency signal of first terminal transmission, if it is, being activated and triggering the
Unit two, otherwise continue to detect；
Second unit, is handled the radiofrequency signal that first module is received, and is obtained initialization data and is exported to institute
State NFC and pay logic module；The second unit sends initialization by the NFC antenna and completes to respond to described first eventually
End；
The account that the second unit is included by NFC antenna transmission certification success response and the user profile prestored
Information is to the first terminal；
Transaction script from the first terminal is exported to the NFC and pays logic module by the second unit；
NFC pays logic module, is initialized by the first terminal, exports the first information and triggers biological characteristic authentication mould
Block；The NFC pays user profile of the logic module by the first biological characteristic value received with prestoring and is compared, and than
To it is consistent when, certification success response is sent to the first terminal by the NFC communication module and the NFC antenna, in institute
State and NFC payments are completed under the control of first terminal；
Biological characteristic authentication module, calls the image acquisition element of mobile terminal to gather biological characteristic and obtains the first biological spy
Value indicative, the first biological characteristic value is exported to the NFC and pays logic module；
The biological characteristic authentication module includes：
Image acquisition units, call the image acquisition element of mobile terminal and gather acquisition biometric image, output life
Thing characteristic image is to graphics processing unit；
Graphics processing unit, carries out image procossing and feature extraction to the biometric image received successively, obtains the
One biological characteristic value is simultaneously exported to NFC payment logic modules；
The first information carries out biological characteristic authentication to point out；The first terminal is POS terminal, card reader or reading
Card device；The biological characteristic is：Vein pattern or iris feature.
It is preferred that the NFC pays logic module also when comparing inconsistent, judge whether to reach preset times, if
It is that authentication failure response is then sent to the first terminal by the NFC communication module and the NFC antenna, otherwise continued
Trigger biological characteristic authentication module collection biological attribute data.
In said apparatus, the NFC, which pays logic module, to be included：
Third unit, the initialization from the first terminal is received by the NFC antenna and the NFC communication module
Data, are initialized using initialization data, and output initialization completes response to the NFC communication module, and output first is believed
Cease and trigger the biological characteristic authentication module；
Unit the 4th, the user profile stored in the first biological characteristic value received and Unit the 5th is included
Second biological characteristic value is compared, and when comparing consistent, is sent and recognized by the NFC communication module and the NFC antenna
Success response is demonstrate,proved to the first terminal；
Unit the 4th receives the friendship from the first terminal by the NFC communication module and the NFC antenna
Easy script, in account and/or the password consistent with the accounts information that the user profile that Unit the 5th is stored is included of checking input,
NFC is completed according to transaction script to pay；
Unit the 5th, stores user profile；The user profile comprises at least accounts information and the second biological characteristic value；Institute
Accounts information is stated including at least account and password.
Another aspect of the present invention provides a kind of mobile terminal, and the mobile terminal is equiped with the NFC described in foregoing any one
Payment mechanism.
Further aspect of the present invention provides a kind of NFC payment systems, and the system is included：Aforementioned mobile terminal, first service
Device and the first terminal that completion NFC payments are interacted with the mobile terminal and the first server；
The first server is bank server or third-party server.
It is preferred that the first terminal receives the transaction data and NFC of input also before the mobile terminal is initialized
Trading instruction, exports the second information and sends to activate the radiofrequency signal that NFC is paid；Second information is carried out to point out
NFC is paid.
In said system, the mobile terminal output display first information；Or
The mobile terminal also exports the first information to the first terminal, and first letter is shown by the first terminal
Breath.
In said system, the first terminal is always according to the certification success response received, by transaction data and from institute
The accounts information for stating mobile terminal reading is sent to the first server as transaction preparation data, is received and is come from described first
The transaction script of server, and send to the mobile terminal.
As seen from the above technical solution provided by the invention, the invention provides a kind of NFC payment, NFC branch
Device, the mobile terminal for being equiped with NFC payment mechanisms and NFC payment systems are paid, exports aobvious by first terminal and mobile terminal
Show the prompt message in NFC payment process, biological characteristic is acquired by mobile terminal and certification, such as vein pattern, rainbow
Film feature etc., just performs follow-up NFC payment flows after by biological characteristic authentication, exists this avoid finger print identifying
The danger being stolen by counterfeit danger and password, further increases the security of NFC payments.
Brief description of the drawings
In order to illustrate the technical solution of the embodiments of the present invention more clearly, being used required in being described below to embodiment
Accompanying drawing be briefly described, it should be apparent that, drawings in the following description are only some embodiments of the present invention, for this
For the those of ordinary skill in field, on the premise of not paying creative work, other can also be obtained according to these accompanying drawings
Accompanying drawing.
Fig. 1 is the flow chart of NFC payment embodiment one of the present invention；
Fig. 2 is the flow chart of NFC payment embodiment two of the present invention；
Fig. 3 is the structural representation of NFC payment mechanisms embodiment one of the present invention；
Fig. 4 is the structural representation of NFC payment mechanisms embodiment two of the present invention.
Embodiment
With reference to the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Ground is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than whole embodiments.Based on this
The embodiment of invention, the every other implementation that those of ordinary skill in the art are obtained under the premise of creative work is not made
Example, belongs to protection scope of the present invention.
In the description of the invention, it is to be understood that term " " center ", " longitudinal direction ", " transverse direction ", " on ", " under ",
The orientation or position relationship of the instruction such as "front", "rear", "left", "right", " vertical ", " level ", " top ", " bottom ", " interior ", " outer " are
Based on orientation shown in the drawings or position relationship, it is for only for ease of the description present invention and simplifies description, rather than indicate or dark
Specific orientation must be had, with specific azimuth configuration and operation by showing the device or element of meaning, therefore it is not intended that right
The limitation of the present invention.In addition, term " first ", " second " are only used for describing purpose, and it is not intended that indicating or implying and be relative
Importance or quantity or position.
In the description of the invention, it is necessary to illustrate, unless otherwise clearly defined and limited, term " installation ", " phase
Even ", " connection " should be interpreted broadly, for example, it may be being fixedly connected or being detachably connected, or be integrally connected；Can
To be mechanical connection or electrical connection；Can be joined directly together, can also be indirectly connected to by intermediary, Ke Yishi
The connection of two element internals.For the ordinary skill in the art, with concrete condition above-mentioned term can be understood at this
Concrete meaning in invention.
The embodiment of the present invention is described in further detail below in conjunction with accompanying drawing.
The invention provides a kind of NFC payment, this method includes：First terminal is according to external command to mobile terminal
NFC pay initialized；Mobile terminal exports the first information；Mobile terminal collection biological characteristic obtains the first biological characteristic
Value, the first biological characteristic value and the user profile that prestores are compared, and when comparing consistent, transmission certification success response is extremely
First terminal；First terminal is interacted with first server and mobile terminal, is completed NFC and is paid.Wherein, the first information is used to
Prompting carries out biological characteristic authentication；First terminal is POS terminal, card reader or card reader；First server is bank server
Or third-party server；The biological characteristic referred in the present invention is for as vein pattern or iris feature with living body characteristics
Biological characteristic, is just avoided that to the imitated of the biological characteristic as fingerprint using the above-mentioned biological characteristic with living body characteristics,
The security in NFC payment process can further be improved.Generality is only come with biological characteristic in following embodiments of the present invention
Description such as vein pattern or iris feature equally there is the instantiations of living body characteristics, and no longer seriatim repeat each implementation
Example.
In view of NFC is a kind of short-range wireless communication technology, mobile terminal is carrying out the mistake of NFC payments with first terminal
Cheng Zhong, mobile terminal is needed in the NFC effective ranges in first terminal, i.e., the distance between mobile terminal and first terminal needs
Ensure to receive and send messages by NFC and/or data between mobile terminal and first terminal, certain mobile terminal is paid in NFC
During be covered on the embodiment that first terminal belongs to optimal, the distance that mobile terminal can also be set with first terminal interval,
Such as 2cm, 3cm, 5cm etc., mobile terminal and first terminal can carry out effectively NFC in the case of the distance of interval setting
Interaction, is no longer limited the way of contact between mobile terminal and first terminal in following embodiments of the present invention
It is fixed.
It should be noted that in view of the general mobile terminal as mobile phone can at least install a camera, the shooting
Head is generally installed in the surface relative with the surface where the screen of mobile terminal, and the NFC payment mechanisms of mobile terminal installing
Comprising NFC antenna be also generally installed in the surface relative with the surface where the screen of mobile terminal, for the ease of camera
Gather biological characteristic, it will usually do not blocked stagger a certain distance, i.e. camera of camera and first terminal by first terminal,
Or when mobile terminal is equiped with front camera, i.e. the plane of front camera installing and the screen of mobile terminal is in
During same plane, NFN payment mechanisms call front camera to carry out physical characteristics collecting.
Fig. 1 is the flow chart of NFC payment embodiment one of the present invention.In conjunction with Fig. 1, to NFC payment of the present invention
Embodiment one illustrate, it is specific as follows：
Step 10：First terminal pays to the NFC of mobile terminal according to external command and initialized；
The step includes：Step 101, first terminal receives transaction data and the NFC trading instructions of input, and output second is believed
Breath；Step 102, mobile terminal receives the radiofrequency signal to activate NFC payments from first terminal；Step 103, it is mobile whole
End is initialized using the initialization data from first terminal, and sends initialization completion response extremely after the completion of initialization
First terminal.
The second information in step 101 is the information to point out progress NFC payments, and specifically, first terminal is exportable
Show the second information；First terminal in step 101 is POS terminal, card reader or card reader.
The transaction data and NFC trading instructions that first terminal is received in step 101 can be from the institutes for holding first terminal
The person of having, may also originate from carrying out first terminal the first server of legitimacy certification；Wherein, first server can be silver
Row server is third-party server Jing Guo legitimacy certification, herein no longer to the species progress of third-party server by
One illustrates；Transaction data comprises at least the amount of money and account；Triggering generation when NFC trading instructions can be for input transaction data
NFC trading instructions, or input transaction data after press confirm button triggering generation NFC trading instructions.
The radiofrequency signal to activate NFC payments of the first terminal referred in step 102 is first terminal according to default
What time interval was periodically sent is exclusively used in activating the radiofrequency signal that NFC is paid, once mobile terminal is in the NFC of first terminal
Effective range, it becomes possible to receive the radiofrequency signal for being exclusively used in activating NFC payments that first terminal is periodically sent.
It is mobile in the step of mobile terminal is initialized using the initialization data from first terminal in step 103
After the NFC payments of terminal are activated, mobile terminal can receive the initialization data from first terminal by NFC, and first eventually
End is only capable of completing a NFC payment within a period of time, after in other words first terminal is initialized to a mobile terminal
And complete after corresponding NFC payments, just can be for being re-started initially to mobile terminal to another related flow of NFC payments
Change and complete another NFC and pay.
The initialization data referred in step 103 can be：The related data of application, initialization NFC are paid to selection NFC
Pay the data of application, read related data of NFC payment applications etc., particular content can be found in JR/T0025.11, JR/
NFC specified in the contactless payment specification such as T0025.12 or JR/T0025.14 pays the standard of communication, herein no longer to tool
The content of body is described in detail.
Step 11：The mobile terminal output first information to first terminal is shown；
The step includes：Step 111, mobile terminal sends the first information to first terminal by NFC；Step 112, first
The terminal output display first information.
The first information in step 111 carries out biological characteristic authentication to point out.
It should be noted that mobile terminal can while can sending after the completion of step 10 initialization and initialize and complete response
The first information is sent to first terminal, by the first terminal output display first information, or after initialization completion response is sent
The first information is sent to first terminal.
Step 12：Mobile terminal collection biological characteristic obtains the first biological characteristic value；
The step includes：Step 121, mobile terminal is acquired to the biological characteristic of user, obtains biometric image；
Step 122, mobile terminal carries out image procossing to biometric image, extracts the first biological characteristic value.
In step 121, mobile terminal can call its image acquisition element installed to adopt the biological characteristic of user
Collection, obtains biometric image.
In step 122, mobile terminal can be using such as：Filtering, gray processing, normalization, image sharpening, binaryzation,
The image processing techniques such as feature extraction and feature export is handled the biometric image collected, from biometric image
In extract the first biological characteristic value.
Step 13：First biological characteristic value and the user profile that prestores are compared mobile terminal, if compare it is consistent,
Step 14 is performed, step 16 is otherwise performed；
The step includes：Mobile terminal is biological special by included in the first biological characteristic value and the user profile prestored second
Value indicative is compared, if comparing consistent, execution step 14, otherwise performs step 16.
The user profile referred in the step comprises at least the second biological characteristic value and accounts information；Accounts information is at least
Include account and/or password.Wherein, the second biological characteristic value included in the user profile prestored can be corresponding for accounts information
User is in the sales counter for the trust authority for handling NFC payments, such as bank counter, when handling the business for opening NFC payments, by credible
Mechanism is acquired to the biological characteristic of above-mentioned user extracts what is obtained, above-mentioned trust authority can by the second biological characteristic value and
Accounts information is write in mobile terminal as user profile, in view of above- mentioned information plays certification and checking in NFC payment process
Effect, user profile can not carry out random reading, only Yi Dan after write-in mobile terminal by other reading devices or equipment
It is limited to trust authority or the department of trust authority mandate or equipment can writes the user profile of mobile terminal and the behaviour such as be read out
Make, to ensure the security of NFC payments.
Step 14：Mobile terminal sends certification success response to first terminal；
The step includes：Mobile terminal sends certification success response to first terminal by NFC.
The step be to hold mobile terminal and using mobile terminal carry out NFC payments user legitimacy carry out body
Part certification, using the biological characteristic of live body of the present invention carry out authentication avoid finger print identifying presence by counterfeit danger,
Further increase the security of NFC payments.
Step 15：First terminal is interacted with first server and mobile terminal, is completed NFC and is paid, step is performed afterwards
Rapid 18；
The step includes：Step 151, first terminal is according to certification success response, by transaction data and from mobile terminal
The accounts information of reading prepares data as transaction and sent to first server；Step 152, first server is according to receiving
Transaction data and accounts information perform delivery operation, and generation transaction script is simultaneously sent to first terminal；Step 153, first eventually
End sends transaction script to mobile terminal；Step 154, mobile terminal carries out external authentication, and performs friendship by rear in certification
Easy script, completes NFC and pays.
The account letter that the first terminal referred in step 151 is included in can reading the user profile prestored from mobile terminal
Breath is that in other words first terminal is the conjunction authenticated by first server because first terminal is the terminal of trust authority accreditation
The believable terminal of method, therefore the accounts information that first terminal can be included from the user profile that mobile terminal reading prestores；
The transaction data referred in step 151 is the transaction data of the input that first terminal is received in step 10.
The correspondence that the transaction script referred in step 152, which is first server, to be generated according to transaction data and accounts information this
The data that the fund for the corresponding account of accounts information that secondary NFC is paid updates, so that mobile terminal is performed according to the transaction script
The fund of account in its accounts information prestored updates operation, further such that identical in first server and mobile terminal
The fund synchronizing information of account.
Mobile terminal, which carries out external authentication, in step 154 includes：Whether the account and/or password of mobile terminal checking input
It is consistent with the user profile prestored, if unanimously, external authentication passes through, if it is inconsistent, NFC pays failure.
Mobile terminal performs transaction script and included in step 154：In the account contained according to transaction script to account packet
Fund be updated, so as to synchronous with the fund in the account that accounts information in first server is included.
Step 16：Mobile terminal judges whether to reach default number of times, if it is, execution step 17, otherwise performs step
12；
The step is performed in the case where the First Eigenvalue and Second Eigenvalue comparison are inconsistent, can be by default
The setting of number of times avoids NFC caused by the maloperation of user from paying unsuccessful situation generation；Wherein, default number of times can be integrated
Consider that the factors such as the mortality of security and physical characteristics collecting are configured, such as can be set to 3 times or 5 times.
Step 17：Mobile terminal sends authentication failure response to first terminal, and step 18 is performed afterwards；
Mobile terminal sends authentication failure response to first terminal in the step, so that first terminal terminates this NFC branch
Pay operation.
Step 18：Terminate.
In the above embodiment of the present invention, step 16 and step 17 are optional step, i.e., when step 13 compares inconsistent,
NFC payments can directly be terminated, or mobile terminal sends authentication failure response to first terminal.
In the above-mentioned preferred embodiment of the present invention, the prompt message in first terminal output display NFC payment process, than
Such as the first information and the second information, live biometric is acquired by mobile terminal and certification, such as vein pattern, iris
Feature etc., this avoid the danger being stolen by counterfeit and password that finger print identifying is present, further increases NFC payments
Security.
Fig. 2 is the flow chart of NFC payment embodiment two of the present invention.In conjunction with Fig. 2, to NFC payment of the present invention
Embodiment two illustrate, it is specific as follows：
The present invention NFC payment embodiment two from showing the first information by first terminal unlike embodiment one,
Second information is shown by mobile terminal, biological characteristic is acquired by mobile terminal and certification, other guide and embodiment one
It is identical.
Step 20：First terminal pays to the NFC of mobile terminal according to external command and initialized；
The step includes：Step 201, first terminal receives transaction data and the NFC trading instructions of input, and output second is believed
Breath；Step 202, mobile terminal receives the radiofrequency signal to activate NFC payments from first terminal；Step 203, it is mobile whole
End is initialized using the initialization data from first terminal, and sends initialization completion response extremely after the completion of initialization
First terminal.
The second information in step 201 is the information to point out progress NFC payments, and specifically, first terminal is exportable
Show the second information；First terminal in step 201 is POS terminal, card reader or card reader.
The transaction data and NFC trading instructions that first terminal is received in step 201 can be from the institutes for holding first terminal
The person of having, may also originate from carrying out first terminal the first server of legitimacy certification；Wherein, first server can be silver
Row server is third-party server Jing Guo legitimacy certification, herein no longer to the species progress of third-party server by
One illustrates；Transaction data comprises at least the amount of money and account；Triggering generation when NFC trading instructions can be for input transaction data
NFC trading instructions, or input transaction data after press confirm button triggering generation NFC trading instructions.
The radiofrequency signal to activate NFC payments of the first terminal referred in step 202 is first terminal according to default
What time interval was periodically sent is exclusively used in activating the radiofrequency signal that NFC is paid, once mobile terminal is in the NFC of first terminal
Effective range, it becomes possible to receive the radiofrequency signal for being exclusively used in activating NFC payments that first terminal is periodically sent.
It is mobile in the step of mobile terminal is initialized using the initialization data from first terminal in step 203
After the NFC payments of terminal are activated, mobile terminal can receive the initialization data from first terminal by NFC, and first eventually
End is only capable of completing a NFC payment within a period of time, after in other words first terminal is initialized to a mobile terminal
And complete after corresponding NFC payments, just can be for being re-started initially to mobile terminal to another related flow of NFC payments
Change and complete another NFC and pay.
The initialization data referred in step 203 can be：The related data of application, initialization NFC are paid to selection NFC
Pay the data of application, read related data of NFC payment applications etc., particular content can be found in JR/T0025.11, JR/
NFC specified in the contactless payment specification such as T0025.12 or JR/T0025.14 pays the standard of communication, herein no longer to tool
The content of body is described in detail.
Step 21：The mobile terminal output display first information；
The first information in step 211 carries out biological characteristic authentication to point out.
It should be noted that mobile terminal can send defeated while initialization completes response after the completion of step 20 initialization
Go out and show the first information, or sending the output display first information after initialization completes response.
Step 22：Mobile terminal collection biological characteristic obtains the first biological characteristic value；
The step includes：Step 221, mobile terminal is acquired to the biological characteristic of user, obtains biometric image；
Step 222, mobile terminal carries out image procossing to biometric image, extracts the first biological characteristic value.
In step 221, mobile terminal can call its image acquisition element installed to adopt the biological characteristic of user
Collection, obtains biometric image.
In step 222, mobile terminal can be using such as：Filtering, gray processing, normalization, image sharpening, binaryzation,
The image processing techniques such as feature extraction and feature export is handled the biometric image collected, from biometric image
In extract the first biological characteristic value.
Step 23：First biological characteristic value and the user profile that prestores are compared mobile terminal, if compare it is consistent,
Step 24 is performed, step 26 is otherwise performed；
The step includes：Mobile terminal is biological special by included in the first biological characteristic value and the user profile prestored second
Value indicative is compared, if comparing consistent, execution step 24, otherwise performs step 26.
The user profile referred in the step comprises at least the second biological characteristic value and accounts information；Accounts information is at least
Include account and/or password.Wherein, the second biological characteristic value included in the user profile prestored can be corresponding for accounts information
User is in the sales counter for the trust authority for handling NFC payments, such as bank counter, when handling the business for opening NFC payments, by credible
Mechanism is acquired to the biological characteristic of above-mentioned user extracts what is obtained, above-mentioned trust authority can by the second biological characteristic value and
Accounts information is write in mobile terminal as user profile, in view of above- mentioned information plays certification and checking in NFC payment process
Effect, user profile can not carry out random reading, only Yi Dan after write-in mobile terminal by other reading devices or equipment
It is limited to trust authority or the department of trust authority mandate or equipment can writes the user profile of mobile terminal and the behaviour such as be read out
Make, to ensure the security of NFC payments.
Step 24：Mobile terminal sends certification success response to first terminal；
The step includes：Mobile terminal sends certification success response to first terminal by NFC.
The step be to hold mobile terminal and using mobile terminal carry out NFC payments user legitimacy carry out body
Part certification, using the live biometric of the present invention carry out authentication avoid finger print identifying presence by counterfeit and password quilt
The danger usurped, further increases the security of NFC payments.
Step 25：First terminal is interacted with first server and mobile terminal, is completed NFC and is paid, step is performed afterwards
Rapid 28；
The step includes：Step 251, first terminal is according to certification success response, by transaction data and from mobile terminal
The accounts information of reading prepares data as transaction and sent to first server；Step 252, first server is according to receiving
Transaction data and accounts information perform delivery operation, and generation transaction script is simultaneously sent to first terminal；Step 253, first eventually
End sends transaction script to mobile terminal；Step 254, mobile terminal carries out external authentication, and performs friendship by rear in certification
Easy script, completes NFC and pays.
The account letter that the first terminal referred in step 251 is included in can reading the user profile prestored from mobile terminal
Breath is that in other words first terminal is the conjunction authenticated by first server because first terminal is the terminal of trust authority accreditation
The believable terminal of method, therefore the accounts information that first terminal can be included from the user profile that mobile terminal reading prestores；
The transaction data referred in step 251 is the transaction data of the input that first terminal is received in step 20.
The correspondence that the transaction script referred in step 252, which is first server, to be generated according to transaction data and accounts information this
The data that the fund for the corresponding account of accounts information that secondary NFC is paid updates, so that mobile terminal is performed according to the transaction script
The fund of account in its accounts information prestored updates operation, further such that identical in first server and mobile terminal
The fund synchronizing information of account.
Mobile terminal, which carries out external authentication, in step 254 includes：Whether the account and/or password of mobile terminal checking input
It is consistent with the user profile prestored, if unanimously, external authentication passes through, if it is inconsistent, NFC pays failure.
Mobile terminal performs transaction script and included in step 254：In the account contained according to transaction script to account packet
Fund be updated, so as to synchronous with the fund in the account that accounts information in first server is included.
Step 26：Mobile terminal judges whether to reach default number of times, if it is, execution step 27, otherwise performs step
22；
The step is performed in the case where the First Eigenvalue and Second Eigenvalue comparison are inconsistent, can be by default
The setting of number of times avoids NFC caused by the maloperation of user from paying unsuccessful situation generation；Wherein, default number of times can be integrated
Consider that the factors such as the mortality of security and physical characteristics collecting are configured, such as can be set to 3 times or 5 times.
Step 27：Mobile terminal sends authentication failure response to first terminal, and step 28 is performed afterwards；
Mobile terminal sends authentication failure response to first terminal in the step, so that first terminal terminates this NFC branch
Pay operation.
Step 28：Terminate.
In the above embodiment of the present invention, step 26 and step 27 are optional step, i.e., when step 23 compares inconsistent,
NFC payments can directly be terminated, or mobile terminal sends authentication failure response to first terminal.
In the above-mentioned preferred embodiment of the present invention, in first terminal and mobile terminal output display NFC payment process
Prompt message, such as mobile terminal show the first information, and first terminal shows the second information, biological characteristic is entered by mobile terminal
Row collection and certification, such as vein pattern, iris feature etc., this avoid finger print identifying presence by counterfeit danger, enter
One step improves the security of NFC payments.
Fig. 3 is the structural representation of NFC payment mechanisms embodiment one of the present invention.In conjunction with Fig. 3, NFC of the present invention is paid
The structure of device embodiment one is illustrated, specific as follows：
The NFC payment mechanisms of the present invention can be installed in mobile terminal, including：NFC antenna 30, NFC communication module 31, NFC
Pay logic module 32 and biological characteristic authentication module 33.
The transceiving radio frequency signal of NFC antenna 30.Specifically, first terminal is come from by what is received（Not shown in figure）Radio frequency
Signal output is to NFC communication module 31, and the radiofrequency signal that NFC communication module 31 is exported is transmitted with broadcast mode；NFC days
When distance between line 30 and first terminal is less than first threshold, it is possible to interacted with first terminal by radiofrequency signal；The
One threshold value is the coverage that first terminal sends radiofrequency signal, and the span of first threshold can be less than 10 centimetres；The
One terminal is POS terminal, card reader or card reader.
NFC communication module 31 connects NFC antenna 30 and NFC pays logic module 32, to complete first terminal and NFC branch
Pay the communication between logic module 32.Wherein, NFC communication module 31 is first by after the radiofrequency signal activation of first terminal, just completion the
One terminal and NFC pay the communication between logic module 32, specifically, and what 31 pairs of NFC communication module was received comes from first terminal
Radiofrequency signal parsed, will parse obtain data and/or information send to NFC pay logic module 32, NFC communication mould
Data and/or information that logic module 32 is paid from NFC are compiled into radiofrequency signal and sent to first terminal by block 31.Wherein,
NFC communication module 31 can be advised according in the contactless payment specification such as JR/T0025.11, JR/T0025.12 or JR/T0025.14
Fixed NFC pays the standard of communication, is interacted by NFC antenna 30 and first terminal.
NFC pays logic module 32 and initialized by first terminal, exports the first information and triggers biological characteristic authentication module
33；NFC pays user profile of the logic module 32 by the first biological characteristic value received with prestoring and is compared, and is comparing
When consistent, certification success response is sent to first terminal by NFC communication module 31 and NFC antenna 30, in the control of first terminal
System is lower to complete NFC payments.Wherein, NFC, which pays logic module 33, can use existing NFC payment flows, can also use JR/
NFC payment flows specified in the contactless payment specification such as T0025.12 or JR/T0025.14, pass through NFC communication module 31
And NFC antenna 30 is realized and interacted with first terminal, pass through above-mentioned interaction progress NFC payments；The first information is carried out to point out
Biological characteristic authentication.
Biological characteristic authentication module 33 calls the image acquisition element of mobile terminal to gather biological characteristic and obtains the first biology
Characteristic value, the first biological characteristic value is exported to NFC and pays logic module 32.
In order to avoid the maloperation of user causes the collection of biological characteristic to fail, NFC pays logic module 32 and also compared
When inconsistent, judge whether to reach preset times, lost if it is, sending certification by NFC communication module 31 and NFC antenna 30
Response is lost to first terminal, otherwise continues to trigger the collection biological attribute data of biological characteristic authentication module 33.
Wherein, NFC communication module 31 includes：First module 311 and second unit 312.
First module 311 detects whether to receive the radiofrequency signal of first terminal transmission, if it is, being activated and triggering
Second unit 312, otherwise continues to detect.
The radiofrequency signal that second unit 312 is received to first module 311 is handled, and is obtained initialization data and is exported
Logic module 32 is paid to NFC；Second unit 312 passes through NFC antenna 30 after NFC pays the completion initialization of logic module 32
Send initialization and complete response to first terminal.
Second unit 312 sends certification after NFC pays the completion certification of logic module 32, by NFC antenna 30 and successfully rung
Should and the accounts information that includes of user profile to first terminal；Transaction script from first terminal is exported to NFC to pay and patrolled
Collect module 32.
Wherein, NFC pays logic module 32 and included：Third unit 321, the 4th unit 322 and the 5th unit 323.
Third unit 321 receives the initialization data from first terminal by NFC antenna 30 and NFC communication module 31,
Initialized using initialization data, output initialization completes response to NFC communication module 31, export the first information and trigger
Biological characteristic authentication module 33.Wherein, third unit 321 directly can enter the display element that the first information is exported to mobile terminal
Row display, or the first information is exported to first terminal by NFC antenna 30 and NFC communication module 31, exported by first terminal
Show the first information.
User profile of 4th unit 322 by the first biological characteristic value received with being stored in the 5th unit 323 is included
The second biological characteristic value be compared, and when comparing consistent, pass through NFC communication module 31 and NFC antenna 30 and send certification
Success response is to first terminal.
4th unit 322 receives the transaction script from first terminal by NFC communication module 31 and NFC antenna 30,
When verifying account and/or the password consistent with the accounts information that the user profile that the 5th unit 323 is stored is included of input, according to friendship
Easy script completes NFC and paid.
5th unit 323 stores user profile.Wherein, user profile comprises at least accounts information and the second biological characteristic
Value；Accounts information comprises at least account and password.
Preferably, when the 4th unit 322 compares inconsistent, it can determine whether whether reach default number of times, if reached
To default number of times, authentication failure response directly can be sent to first terminal by NFC antenna 30 and NFC communication module 31, such as
Fruit is not reaching to default number of times, then exportable one notify the triggering of third unit 321 biological characteristic authentication module 33 message or
Instruction so that biological characteristic authentication module 33 continues the collection of biological characteristic.
Wherein, biological characteristic authentication module 33 includes：Image acquisition units 331 and graphics processing unit 332.
Image acquisition units 331 call the image acquisition element of mobile terminal and gather acquisition biometric image, output
Biometric image is to graphics processing unit 332.
The biometric image that 332 pairs of graphics processing unit is received carries out image procossing and feature extraction successively, obtains
First biological characteristic value is simultaneously exported to NFC payment logic modules 31.
In the above-mentioned preferred embodiment of the present invention, in first terminal and mobile terminal output display NFC payment process
Prompt message, such as mobile terminal show the first information, and first terminal shows that the second information, or first terminal show the first letter
Breath and the second information, are acquired and certification, such as vein pattern, iris feature etc., so by mobile terminal to biological characteristic
Avoid finger print identifying presence by counterfeit danger, further increase the security of NFC payments.
Fig. 4 is the structural representation of NFC payment systems of the present invention.In conjunction with Fig. 4, to the knot of NFC payment systems of the present invention
Structure is illustrated, specific as follows：
The NFC payment systems of the present invention are included：Mobile terminal 41, first server 43 and with mobile terminal 41 and
One server 43, which is interacted, completes the first terminal 42 that NFC is paid.Wherein, first server 43 is bank server or the 3rd
Square server；Mobile terminal 41 is equiped with the NFC payment mechanisms shown in Fig. 3, in the following embodiments no longer to NFC payment mechanisms
Concrete structure repeated.
First terminal 42 receives transaction data and the NFC trading instructions of input also before initialization mobile terminal 41, defeated
Go out the second information and send to activate the radiofrequency signal that NFC is paid.Wherein, the second information carries out NFC payments to point out.
Preferably, first terminal 42 can also receive the first information from mobile terminal 41 and it is shown.
In addition, first terminal 42 is always according to the certification success response received, by transaction data and from mobile terminal 41
The accounts information of reading prepares data as transaction and sent to first server 43, receives the transaction pin from first server 43
This, and send to mobile terminal 41.
In the above-mentioned preferred embodiment of the present invention, in first terminal and mobile terminal output display NFC payment process
Prompt message, such as mobile terminal show the first information, and first terminal shows that the second information, or first terminal show the first letter
Breath and the second information, are acquired and certification, such as vein pattern, iris feature etc. by mobile terminal to biological characteristic, in life
Thing feature verification just performs the flow that follow-up NFC is paid by rear, this avoid finger print identifying presence by counterfeit danger
The danger that danger and password are stolen, further increases the security of NFC payments.
Any process described otherwise above or method description are construed as in flow chart or herein, represent to include
Module, fragment or the portion of the code of one or more executable instructions for the step of realizing specific logical function or process
Point, and the scope of the preferred embodiment of the present invention includes other realization, wherein can not be by shown or discussion suitable
Sequence, including according to involved function by it is basic simultaneously in the way of or in the opposite order, carry out perform function, this should be of the invention
Embodiment person of ordinary skill in the field understood.
It should be appreciated that each several part of the present invention can be realized with hardware, software, firmware or combinations thereof.Above-mentioned
In embodiment, the software that multiple steps or method can in memory and by suitable instruction execution system be performed with storage
Or firmware is realized.If, and in another embodiment, can be with well known in the art for example, realized with hardware
Any one of row technology or their combination are realized：With the logic gates for realizing logic function to data-signal
Discrete logic, the application specific integrated circuit with suitable combinational logic gate circuit, programmable gate array（PGA）, scene
Programmable gate array（FPGA）Deng.
Those skilled in the art are appreciated that to realize all or part of step that above-described embodiment method is carried
Rapid to can be by program to instruct the hardware of correlation to complete, described program can be stored in a kind of computer-readable storage medium
In matter, the program upon execution, including one or a combination set of the step of embodiment of the method.
In addition, each functional unit in each embodiment of the invention can be integrated in a processing module, can also
That unit is individually physically present, can also two or more units be integrated in a module.Above-mentioned integrated mould
Block can both be realized in the form of hardware, it would however also be possible to employ the form of software function module is realized.The integrated module is such as
Fruit is realized using in the form of software function module and as independent production marketing or in use, can also be stored in a computer
In read/write memory medium.
Storage medium mentioned above can be read-only storage, disk or CD etc..
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show
The description of example " or " some examples " etc. means to combine specific features, structure, material or the spy that the embodiment or example are described
Point is contained at least one embodiment of the present invention or example.In this manual, to the schematic representation of above-mentioned term not
Necessarily refer to identical embodiment or example.Moreover, specific features, structure, material or the feature of description can be any
One or more embodiments or example in combine in an appropriate manner.
Although embodiments of the invention have been shown and described above, it is to be understood that above-described embodiment is example
Property, it is impossible to limitation of the present invention is interpreted as, one of ordinary skill in the art is not departing from the principle and objective of the present invention
In the case of above-described embodiment can be changed within the scope of the invention, change, replace and modification.The scope of the present invention
By appended claims and its equivalent limit.
Claims (10)
1. a kind of NFC payment, it is characterised in that this method includes：
A, first terminal receive external command；
B, the first terminal receive transaction data and the NFC trading instructions of input according to external command, export the second information；Institute
State the second information and carry out NFC payments to point out；
C, mobile terminal receive the radiofrequency signal to activate NFC payments periodically sent from the first terminal；
D, the mobile terminal are initialized using the initialization data from the first terminal, and after the completion of initialization
Send initialization and complete response to the first terminal, the initialization data is：Paid to selection NFC and apply related number
Pay the data of application according to, initialization NFC and/or read NFC and pay the related data of application；
E, the mobile terminal output first information；The first information carries out biological characteristic authentication to point out；
F, the mobile terminal are acquired to the biological characteristic of user, obtain biometric image；The biological characteristic is：It is quiet
Arteries and veins feature or iris feature；
G, the mobile terminal carry out image procossing to biometric image, extract the first biological characteristic value；
H, the mobile terminal enter the second biological characteristic value that the first biological characteristic value and the user profile that prestores are included
Row is compared, and when comparing consistent, sends certification success response to the first terminal；
I, the first terminal and first server and the mobile terminal are interacted, and are completed NFC and are paid, including：
I1, the first terminal are according to certification success response, the account letter read by transaction data and from the mobile terminal
Breath prepares data as transaction and sent to the first server；
I2, the first server perform delivery operation, generation transaction pin according to the transaction data and accounts information received
This is simultaneously sent to the first terminal, wherein, the transaction script is the first server according to the transaction data and institute
State the data that the fund of accounts information generation updates；
I3, the first terminal send the transaction script to the mobile terminal；
I4, the mobile terminal carry out external authentication, and perform the transaction script by rear in certification, complete NFC and pay, its
In, the mobile terminal, which carries out external authentication, to be included：Whether the account and/or password of the mobile terminal checking input are with prestoring
User profile it is consistent, if unanimously, external authentication passes through；The execution transaction script includes：According to transaction script
Fund in the account contained to account packet is updated；
The first terminal is POS terminal, card reader or card reader；The first server is that bank server or third party take
Business device.
2. according to the method described in claim 1, it is characterised in that the step E includes：
The mobile terminal exports the first information to the first terminal, and the first information is shown by the first terminal；Or
Person
The direct output display first information of mobile terminal.
3. according to the method described in claim 1, it is characterised in that the step H also includes：
When comparing inconsistent, judge whether to reach preset times, if it is, sending authentication failure response to the described first end
End, otherwise performs step F.
4. a kind of NFC payment mechanisms, it is characterised in that the device includes：
NFC antenna, transceiving radio frequency signal；
NFC communication module, connects the NFC antenna and NFC pays logic module, is patrolled to complete first terminal with NFC payments
Collect the communication of intermodule；
The NFC communication module includes：
First module, detects whether to receive the radiofrequency signal that first terminal is periodically sent, if it is, being activated and triggering
Second unit, otherwise continues to detect；
Second unit, is handled the radiofrequency signal that first module is received, and is obtained initialization data and is exported to the NFC
Logic module is paid, the initialization data is：The related data of application, initialization NFC, which are paid, to selection NFC pays application
Data and/or the data for reading NFC payment application correlations；The second unit sends initialization by the NFC antenna and completed
Respond to the first terminal；
The accounts information that the second unit is included by NFC antenna transmission certification success response and the user profile prestored
To the first terminal；
Transaction script from the first terminal is exported to the NFC and pays logic module by the second unit；
NFC pays logic module, is initialized by the first terminal, exports the first information and triggers biological characteristic authentication module；
The NFC pays user profile of the logic module by the first biological characteristic value received with prestoring and is compared, and is comparing
When consistent, certification success response is sent to the first terminal by the NFC communication module and the NFC antenna, described
NFC is completed under the control of first terminal to pay；
Biological characteristic authentication module, calls the image acquisition element of mobile terminal to gather biological characteristic and obtains the first biological characteristic
Value, the first biological characteristic value is exported to the NFC and pays logic module；
The biological characteristic authentication module includes：
Image acquisition units, call the image acquisition element of mobile terminal and gather acquisition biometric image, and output is biological special
Image is levied to graphics processing unit；
Graphics processing unit, image procossing and feature extraction are carried out to the biometric image received successively, are obtained first and are given birth to
Thing characteristic value is simultaneously exported to NFC payment logic modules；
The first information carries out biological characteristic authentication to point out；
The NFC, which pays logic module, to be included：
Third unit, the initialization number from the first terminal is received by the NFC antenna and the NFC communication module
According to being initialized using initialization data, output initialization completes response to the NFC communication module, exports the first information
And trigger the biological characteristic authentication module；
Unit the 4th, second that the user profile stored in the first biological characteristic value received and Unit the 5th is included
Biological characteristic value is compared, and when comparing consistent, by the NFC communication module and the NFC antenna send certification into
Work(is responded to the first terminal；
Unit the 4th receives the transaction pin from the first terminal by the NFC communication module and the NFC antenna
This, is in account and/or the password consistent with the accounts information that the user profile that Unit the 5th is stored is included of checking input, according to
Script of merchandising completes NFC and paid, and the transaction script is that first server is generated according to transaction data and the accounts information
The data that fund updates, described paid according to transaction script completion NFC includes：The account contained according to transaction script to account packet
Fund in number terminal is updated；
Unit the 5th, stores user profile；The user profile comprises at least accounts information and the second biological characteristic value；The account
Family information comprises at least account and password；
The first terminal is POS terminal, card reader or card reader；The biological characteristic is：Vein pattern or iris feature.
5. device according to claim 4, it is characterised in that the NFC pays logic module also when comparing inconsistent,
Judge whether to reach preset times, rung if it is, sending authentification failure by the NFC communication module and the NFC antenna
It should otherwise continue to trigger biological characteristic authentication module collection biological attribute data to the first terminal.
6. a kind of mobile terminal, it is characterised in that the mobile terminal is equiped with the NFC described in any one of preceding claims 4 or 5
Payment mechanism.
7. a kind of NFC payment systems, it is characterised in that the system is included：Mobile terminal described in preceding claims 6, first
Server and the first terminal that completion NFC payments are interacted with the mobile terminal and the first server；
The first server is bank server or third-party server.
8. system according to claim 7, it is characterised in that the first terminal also initialize the mobile terminal it
Before, transaction data and the NFC trading instructions of input are received, the second information is exported and sends to activate the radio frequency letter that NFC is paid
Number；Second information carries out NFC payments to point out.
9. system according to claim 7, it is characterised in that the mobile terminal output display first information；Or
The mobile terminal also exports the first information to the first terminal, and the first information is shown by the first terminal.
10. system according to claim 7, it is characterised in that the first terminal is always according to the certification success received
Response, the accounts information read using transaction data and from the mobile terminal prepares data as transaction and sent to described first
Server, receives the transaction script from the first server, and send to the mobile terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310375871.7A CN103455913B (en) | 2013-08-26 | 2013-08-26 | NFC payment, device, system and mobile terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310375871.7A CN103455913B (en) | 2013-08-26 | 2013-08-26 | NFC payment, device, system and mobile terminal |
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| CN103455913B true CN103455913B (en) | 2017-09-19 |
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