CN107545431A

CN107545431A - Transaction authorisation method and system and method for commerce and system

Info

Publication number: CN107545431A
Application number: CN201610478693.4A
Authority: CN
Inventors: 李明
Original assignee: Individual
Current assignee: Individual
Priority date: 2016-06-27
Filing date: 2016-06-27
Publication date: 2018-01-05

Abstract

The present invention provides a kind of transaction authorisation method and system and method for commerce and system, wherein, transaction authorisation method includes：Merchandise initiating terminal broadcast first frequency signal, the frequency of first frequency signal is the frequency of signal of communication used by NFC communication, and the minimum vertex-covering radius of first frequency signal is 1 meter；The N number of Trading Authorization terminal being waken up each sends the second frequency signal for carrying self identification information to initiating terminal of merchandising, and the frequency of second frequency signal is the frequency of signal of communication used by Bluetooth communication；Transaction initiating terminal sends subscriber authentication information and N number of identification information to background server；Background server determines and sends the target identification information with subscriber authentication information matches；Initiating terminal of merchandising sends Trading Authorization terminal corresponding to second frequency signal to the target identification information for carrying subscriber authentication information；Corresponding Trading Authorization terminal authentication subscriber authentication information, is authorized successfully, otherwise authorization failure if being verified.

Description

Transaction authorisation method and system and method for commerce and system

Technical field

The present invention relates to a kind of electronic transaction technical field, more particularly to a kind of transaction authorisation method and system and transaction Method and system.

Background technology

At present, in order to which the transaction such as paid, transferred accounts, transaction initiating terminal (such as POS etc.) can be awarded to transaction Weigh terminal (such as bank card etc.) and initiate transaction authorization request, after Trading Authorization success, then perform transaction.Transaction initiating terminal Data communication is typically carried out using contact mode with Trading Authorization terminal.For example, when being paid, the transaction such as transferring accounts, need Neck is inserted cards into or streaks, POS could read card inside information, be traded mandate, the operation that transaction performs.Swiped the card Cheng Zhong, card is only inserted or streaked neck along correct direction, and the magnetic stripe or exposed chip that block will be with the information of neck Read position to be in contact, can just POS is correctly read card inside information；In addition, if the excessive velocities stamped the card, can cause POS Machine, which can not read card inside information, to be caused to swipe the card unsuccessfully, it is therefore desirable to which streaking to uniform and stable neck can just be such that POS correctly reads Card inside information.The above-mentioned a variety of limitations swiped the card add the complexity of user card punching operation, cause user card punching extremely inconvenient, make It is bad to obtain Consumer's Experience.Therefore, a kind of transaction authorisation method that can be user-friendly and system and method for commerce are needed badly And system.

The content of the invention

One of it is contemplated that at least solve the above problems.

It is a primary object of the present invention to provide a kind of transaction authorisation method；

Another object of the present invention is to provide a kind of method of commerce；

It is still another object of the present invention to provide a kind of transaction authorisation system；

A further object of the present invention is to provide a kind of transaction system.

To reach above-mentioned purpose, what technical scheme was specifically realized in：

One aspect of the present invention provides a kind of transaction authorisation method, including：Initiating terminal of merchandising broadcasts first frequency signal, Wherein, the first frequency signal is used to wake up the Trading Authorization terminal in the first frequency signal cover, institute The frequency for stating first frequency signal is the frequency of the signal of communication employed in NFC communication, the minimum of the first frequency signal Covering radius is 1 meter；Trading Authorization terminal in the first frequency signal cover detects whether to receive described First frequency signal；The N number of Trading Authorization terminal for receiving the first frequency signal is waken up, wherein, N is positive integer；Institute State N number of Trading Authorization terminal and each send and carry the second frequency signal of self identification information to the transaction initiating terminal, Wherein, the second frequency signal is for logical between the Trading Authorization terminal after described be waken up and the transaction initiating terminal Letter, the frequency of the second frequency signal are the frequency of signal of communication used by Bluetooth communication；The transaction initiating terminal connects The second frequency signal that N number of Trading Authorization terminal is each sent is received, obtains N number of identification information；The transaction is initiated Terminal obtains the subscriber authentication information of user's input；The transaction initiating terminal is by the subscriber authentication information and institute N number of identification information is stated to send to background server；The background server determines that target identification is believed from N number of identification information Breath, and the target identification information is sent to the transaction initiating terminal, wherein, the target identification information and user's body Part checking information matches；The transaction initiating terminal receives the target identification information, and sends and carry user's body Trading Authorization terminal corresponding to the second frequency signal to the target identification information of part checking information；The target identification information The subscriber authentication information that corresponding Trading Authorization terminal-pair receives is verified, if being verified, Trading Authorization Success；If checking is not by Trading Authorization failure.

Another aspect of the present invention additionally provides a kind of method of commerce, including：Initiating terminal of merchandising broadcasts first frequency signal, Wherein, the first frequency signal is used to wake up the Trading Authorization terminal in the first frequency signal cover, institute The frequency for stating first frequency signal is the frequency of the signal of communication employed in NFC communication, the minimum of the first frequency signal Covering radius is 1 meter；Trading Authorization terminal in the first frequency signal cover detects whether to receive described First frequency signal；The N number of Trading Authorization terminal for receiving the first frequency signal is waken up, wherein, N is positive integer；Institute State N number of Trading Authorization terminal and each send and carry the second frequency signal of self identification information to the transaction initiating terminal, Wherein, the second frequency signal is for logical between the Trading Authorization terminal after described be waken up and the transaction initiating terminal Letter, the frequency of the second frequency signal are the frequency of signal of communication used by Bluetooth communication；The transaction initiating terminal connects The second frequency signal that N number of Trading Authorization terminal is each sent is received, obtains N number of identification information；The transaction is initiated Terminal obtains the subscriber authentication information of user's input；The transaction initiating terminal is by the subscriber authentication information and institute N number of identification information is stated to send to background server；The background server determines that target identification is believed from N number of identification information Breath, and the target identification information is sent to the transaction initiating terminal, wherein, the target identification information and user's body Part checking information matches；The transaction initiating terminal receives the target identification information, and sends and carry user's body Trading Authorization terminal corresponding to the second frequency signal to the target identification information of part checking information；The target identification information The subscriber authentication information that corresponding Trading Authorization terminal-pair receives is verified, after being verified, obtains transaction Information, processing is carried out to the Transaction Information and generates data to be verified, and send the second frequency for carrying the data to be verified Rate signal is to the transaction initiating terminal；The transaction initiating terminal receives the data to be verified, and by the number to be verified Sent according to the Transaction Information to the background server；The background server verifies to the data to be verified, And after being verified, transaction is performed according to the Transaction Information；Wherein, the target mark is received in the transaction initiating terminal After knowing information, in addition to：The transaction initiating terminal, which is sent, carries the second frequency signal of the Transaction Information to described Trading Authorization terminal corresponding to target identification information.

In addition, any one Trading Authorization terminal quilt in receiving N number of Trading Authorization terminal of the first frequency signal The implementation method of wake-up, including：The Trading Authorization terminal for receiving the first frequency signal determines the first frequency signal Wake-up characteristic information is carried, the Trading Authorization terminal is waken up.

In addition, the background server determines target identification information from N number of identification information in the following manner：Institute Background server is stated in the identification information and authentication information being locally stored according to identification information and authentication information Corresponding relation searches N number of each self-corresponding authentication information of identification information, N number of authentication information is obtained, in the N The target identities checking information with the subscriber authentication information match is determined in individual authentication information, by the target Identification information is as target identification information corresponding to authentication information；Or the background server is in the mark being locally stored Know in information and authentication information and tested according to identification information and the corresponding relation of the authentication information lookup user identity Identification information corresponding to demonstrate,proving information, determines target identification information, the target identification information and institute in N number of identification information Identification information corresponding to stating the subscriber authentication information found out matches.

In addition, the subscriber authentication information includes：First biological information；The transaction initiating terminal, which obtains, to be used The subscriber authentication information of family input, including：The transaction initiating terminal has detected that biological limbs enter preset range, Gather the biological information of the biological limbs.

In addition, the background server determines and the subscriber authentication information in N number of authentication information The target identities checking information to match, including：The background server judge respectively N number of authentication information with it is described Whether the matching rate of the first biological information is more than the first preset value, if a body in N number of authentication information Part checking information and the matching rate of first biological information are more than first preset value, it is determined that the authentication is believed Cease for the target identities checking information with the subscriber authentication information match；Wherein, first preset value is less than the Two preset values, second preset value are used for the matching rate for indicating that two biological informations are same biological information.

In addition, the subscriber authentication information that Trading Authorization terminal-pair corresponding to the target identification information receives is entered Row checking, including：Trading Authorization terminal corresponding to the target identification information judges the subscriber authentication information received Whether matched with default authentication information, if matching, is verified, otherwise verifies and do not pass through.

Further aspect of the present invention provides a kind of transaction authorisation system, including：Transaction initiating terminal, for broadcasting the first frequency Rate signal, wherein, the first frequency signal is used to wake up the Trading Authorization in the first frequency signal cover Terminal, the frequency of the first frequency signal are the frequency of the signal of communication employed in NFC communication, the first frequency signal Minimum vertex-covering radius be 1 meter；N number of Trading Authorization terminal, for detecting whether receiving the first frequency signal；And according to The first frequency signal received is waken up, and is each sent and is carried the second frequency signal of self identification information to described Transaction initiating terminal；Wherein, the second frequency signal is sent out for the Trading Authorization terminal after described be waken up and the transaction Play the communication between terminal, the frequency of the second frequency signal is the frequency of signal of communication used by Bluetooth communication, and N is just Integer；The transaction initiating terminal, it is additionally operable to receive the second frequency letter that N number of Trading Authorization terminal is each sent Number, obtain N number of identification information, obtain the subscriber authentication information of user's input, and by the subscriber authentication information and N number of identification information is sent to background server；The background server, for determining mesh from N number of identification information Identification information is marked, and sends the target identification information to the transaction initiating terminal, wherein, the target identification information and institute State subscriber authentication information match；The transaction initiating terminal, it is additionally operable to receive the target identification information, and sends and take Trading Authorization terminal corresponding to second frequency signal to the target identification information with the subscriber authentication information；Institute Trading Authorization terminal corresponding to target identification information is stated, for being verified to the subscriber authentication information of reception, if It is verified, then Trading Authorization success；If checking is not by Trading Authorization failure.

Another aspect of the invention provides a kind of transaction system, including：Transaction initiating terminal, for broadcasting first frequency letter Number, wherein, the first frequency signal is used to wake up the Trading Authorization terminal in the first frequency signal cover, The frequency of the first frequency signal is the frequency of the signal of communication employed in NFC communication, and the first frequency signal is most Small covering radius is 1 meter；N number of Trading Authorization terminal, for detecting whether receiving the first frequency signal；And according to reception To the first frequency signal be waken up, each send and carry the second frequency signal of self identification information to the transaction Initiating terminal；Wherein, the second frequency signal is initiated whole for the Trading Authorization terminal after described be waken up with the transaction Communication between end, the frequency of the second frequency signal are the frequency of signal of communication used by Bluetooth communication, and N is just whole Number；The transaction initiating terminal, it is additionally operable to receive the second frequency signal that N number of Trading Authorization terminal is each sent, Obtain N number of identification information, obtain the subscriber authentication information of user's input, and by the subscriber authentication information and described N number of identification information is sent to background server；The background server, for determining target mark from N number of identification information Know information, and send the target identification information to the transaction initiating terminal, wherein, the target identification information and the use Family authentication information matches；The transaction initiating terminal, it is additionally operable to receive the target identification information, and sends and carry Trading Authorization terminal corresponding to the second frequency signal to the target identification information of the subscriber authentication information；The mesh Trading Authorization terminal corresponding to identification information is marked, for being verified to the subscriber authentication information of reception, if checking By, then obtain Transaction Information, processing carried out to the Transaction Information and generates data to be verified, and send carry it is described to be tested The second frequency signal of data is demonstrate,proved to the transaction initiating terminal；The transaction initiating terminal, it is additionally operable to receive described to be verified Data, and the data to be verified and the Transaction Information are sent to the background server；The background server, is also used Verified in the data to be verified, and after being verified, transaction is performed according to the Transaction Information；The transaction hair Terminal is played, is additionally operable to after the identification information of the matching is received, sends the second frequency letter for carrying the Transaction Information Number to Trading Authorization terminal corresponding to the target identification information.

In addition, any Trading Authorization terminal in N number of Trading Authorization terminal, described in determining to receive First frequency signal carries wake-up characteristic information, and is waken up according to the wake-up characteristic information.

In addition, the background server determines target identification information from N number of identification information in the following manner： Institute is searched according to identification information and the corresponding relation of authentication information in the identification information and authentication information that are locally stored Each self-corresponding authentication information of N number of identification information is stated, obtains N number of authentication information, in N number of authentication information Middle determination and the target identities checking information of the subscriber authentication information match, by the target identities checking information pair The identification information answered is as target identification information；Or according to mark in the identification information and authentication information being locally stored Information identification information corresponding with the corresponding relation lookup subscriber authentication information of authentication information is known, in the N Target identification information, the target identification information and the subscriber authentication information pair found out are determined in individual identification information The identification information answered matches.

In addition, the subscriber authentication information includes：First biological information；It is described transaction initiating terminal by with Under type obtains the subscriber authentication information of user's input：Detect that biological limbs enter preset range, described in collection The biological information of biological limbs.

In addition, the background server determines and the user in N number of authentication information in the following manner The target identities checking information that authentication information matches：N number of authentication information and the described first life are judged respectively Whether the matching rate of thing characteristic information is more than the first preset value, if an authentication in N number of authentication information The matching rate of information and first biological information is more than first preset value, it is determined that the authentication information for The target identities checking information of the subscriber authentication information match；Wherein, it is default to be less than second for first preset value Value, second preset value are used for the matching rate for indicating that two biological informations are same biological information.

In addition, Trading Authorization terminal corresponding to the target identification information is in the following manner to user's body of reception Part checking information is verified：Whether the subscriber authentication information for judging to receive matches with default authentication information, If matching, is verified, otherwise verifies and do not pass through.

Technical scheme provided by the present invention can be seen that one aspect of the present invention and provide a kind of user-friendly friendship Easy authorization method and system, the frequency of first frequency signal is set for the frequency of the signal of communication employed in NFC communication, to handing over The wake-up scope of easy initiating terminal control effectively, and transaction initiating terminal is waken up with it at a distance of a range of friendship Easy authorization terminal；The minimum vertex-covering radius for setting first frequency signal is 1 meter, it is possible to achieve user need not take out Trading Authorization end End just can wake up Trading Authorization terminal, wait in line to be traded before initiating terminal of merchandising when user carries Trading Authorization terminal When, ensure that the nearer Trading Authorization terminal for being currently needed for being traded Authorized operation of distance transaction initiating terminal is waken up, and The Trading Authorization terminal that other waitings of distance transaction initiating terminal farther out are traded Authorized operation is not waken up temporarily；By The set of frequency of two frequency signals be Bluetooth communication used by signal of communication frequency, it is ensured that Trading Authorization terminal with hand over Data communication quality and stability between easy initiating terminal；Background server is returned by the N number of Trading Authorization terminal being waken up Return identification information and user transaction initiating terminal input subscriber authentication information, come determine merchandise initiating terminal with Which of N number of Trading Authorization terminal Trading Authorization terminal is traded Authorized operation, can avoid being traded and award The Trading Authorization terminal and transaction initiating terminal for weighing operation are traded Authorized operation.Compared with prior art, the present invention need not Ensure Trading Authorization terminal with contact direction, position or the speed for initiating terminal of merchandising whether correctly with properly, transaction only need to be made Authorization terminal is in the first frequency signal cover of transaction initiating terminal broadcast, you can completes Trading Authorization operation, side Just user operates.

Another aspect of the present invention provides a kind of user-friendly method of commerce and system, sets first frequency signal Frequency be the frequency of the signal of communication employed in NFC communication, the wake-up scope for initiating terminal of merchandising is control effectively, Transaction initiating terminal is set to wake up with it at a distance of a range of Trading Authorization terminal；The minimum of first frequency signal is set Covering radius is 1 meter, it is possible to achieve user need not take out Trading Authorization terminal with regard to that can wake up Trading Authorization terminal, when user carries When Trading Authorization terminal is waited in line to be traded before initiating terminal of merchandising, ensure nearer current of distance transaction initiating terminal The Trading Authorization terminal for being traded operation is needed to be waken up, and other waitings apart from transaction initiating terminal farther out are traded The Trading Authorization terminal of operation is not waken up temporarily；By the set of frequency of second frequency signal be Bluetooth communication used by communicate The frequency of signal, it is ensured that data communication quality and stability between Trading Authorization terminal and transaction initiating terminal；From the background The use that the identification information and user that server is returned by the N number of Trading Authorization terminal being waken up input in transaction initiating terminal Family authentication information, to determine to merchandise, initiating terminal is handed over which of N number of Trading Authorization terminal Trading Authorization terminal It is easy to operate, the Trading Authorization terminal that need not be traded operation can be avoided to be traded operation with transaction initiating terminal；It is logical Cross background server to verify the data to be verified that Trading Authorization terminal is sent, can prevent illegal molecule from distorting transaction letter Breath, ensure the security of transaction initiating terminal and Trading Authorization terminal transaction.Compared with prior art, the present invention hands over without ensureing Whether easy authorization terminal is with contact direction, position or the speed for initiating terminal of merchandising correctly with properly, need to only make Trading Authorization whole End is in the first frequency signal cover of transaction initiating terminal broadcast, you can transactional operation is completed, it is user-friendly.

Brief description of the drawings

In order to illustrate the technical solution of the embodiments of the present invention more clearly, required use 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 for the transaction authorisation method that the embodiment of the present invention 1 provides；

Fig. 2 is the flow chart for the method for commerce that the embodiment of the present invention 2 provides；

Fig. 3 is the transaction authorisation system that the embodiment of the present invention 3 provides and the transaction system that the embodiment of the present invention 4 provides Structural representation.

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 describes, it is clear that described embodiment is only part of the embodiment of the present 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 instruction or dark Show that the device of meaning or element there must be specific orientation, with specific azimuth configuration and operation, thus it is 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 instruction or hint are 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 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.

Embodiment 1

The present embodiment provides a kind of transaction authorisation method.

Fig. 1 is a kind of flow chart for transaction authorisation method that the present embodiment provides, as shown in figure 1, this method mainly includes Following steps S101 to step S110：

Step S101：Initiating terminal of merchandising broadcasts first frequency signal, and first frequency signal is used to wake up positioned at the first frequency Trading Authorization terminal in rate signal cover, the frequency of first frequency signal is the signal of communication employed in NFC communication Frequency, the minimum vertex-covering radius of first frequency signal is 1 meter；

In the present embodiment, initiating terminal of merchandising can be card reader (such as POS) or other can initiate The terminal of transaction, the present embodiment are not specifically limited.Trading Authorization terminal can be smart card (such as IC-card, SIM card, public transport Card, bank card etc.), intelligent cipher key equipment (such as USBKey, audio KEY etc.), mobile terminal (such as mobile phone etc.) or with branch The wearable device (such as bracelet, watch, necklace or ring etc.) of trading function such as pay, transfer accounts.

In the present embodiment, transaction initiating terminal can broadcast first frequency signal, the poll first frequency signal always Trading Authorization terminal in coverage.Because polling operation can increase the current drain of transaction initiating terminal, therefore, in order to save Electricity, transaction initiating terminal can also be after trigger event be received, then starts to broadcast first frequency signal；Wherein, the triggering thing Part can be but not limited to button triggering (such as key, acknowledgement key etc.), biological characteristic triggering (such as fingerprint, iris, face Information etc.) and communications triggered (such as receiving the transaction request that host computer is sent).

In the present embodiment, because low-frequency signal diffracting power is strong, difference in attenuation is small, easily adjust the distance and controlled System, therefore, using frequency of the frequency of the signal of communication employed in NFC communication as first frequency signal, transaction is initiated The wake-up scope of terminal control effectively, and transaction initiating terminal is waken up with it at a distance of a range of Trading Authorization Terminal.

In the present embodiment, the minimum vertex-covering radius of first frequency signal is 1 meter, for example, the covering of first frequency signal Radius is 1 meter, then the Trading Authorization terminal within 1 meter of initiating terminal of explanation distance transaction can receive transaction initiating terminal The first frequency signal of broadcast.User carries with Trading Authorization terminal, without ensureing that Trading Authorization terminal is initiated eventually with transaction Whether contact direction, position or the speed at end are correctly with properly, without Trading Authorization terminal is taken out, need to only make Trading Authorization whole End is in the first frequency signal cover of transaction initiating terminal broadcast, you can it is whole to wake up the Trading Authorization that user carries End, it is user-friendly；And wait in line to be traded before initiating terminal of merchandising when user's carrying Trading Authorization terminal and award During power operation, the nearer Trading Authorization terminal quilt for being currently needed for being traded Authorized operation of distance transaction initiating terminal can guarantee that Wake up, and the Trading Authorization terminal that other waitings apart from transaction initiating terminal farther out are traded Authorized operation is not called out temporarily Wake up.In addition, in existing transaction authorization process, generally require user and give other people (such as cashiers) to enter Trading Authorization terminal Row Trading Authorization operates, but some criminals are after the Trading Authorization terminal of user is obtained, can using Replication Tools come Trading Authorization terminal is replicated, so as to steal information in Trading Authorization terminal, endangers user's property safety, and the present embodiment can have Effect avoids such case, because the present embodiment can realize that user does not take out Trading Authorization terminal and can wake up Trading Authorization Terminal and carry out follow-up Trading Authorization operation.

As a kind of optional embodiment of the present embodiment, the maximal cover radius of first frequency signal is 4 meters；It is preferred that , the maximal cover radius of first frequency signal is 3 meters, for example, the covering radius of first frequency signal is 3 meters, then explanation away from From the first frequency letter that the Trading Authorization terminal within 3 meters of initiating terminal of transaction can receive transaction initiating terminal broadcast Number.This optional embodiment can prevent distance transaction initiating terminal farther out, transaction that Authorized operation need not be traded Authorization terminal is by false wake-up；Also, in the case of less to existing transaction initiating terminal change, first frequency signal can be achieved Covering radius be 3 meters.

In the present embodiment, the original state of Trading Authorization terminal is resting state, it is necessary to wide according to transaction initiating terminal The first frequency signal broadcast is waken up, and can so save the electric quantity consumption of Trading Authorization terminal.

Step S102：Trading Authorization terminal in first frequency signal cover detects whether to receive the first frequency Rate signal；

In the present embodiment, the electromagnetic wave in the Trading Authorization terminal in first frequency signal cover receives dress The electromagnetic wave signal for ceaselessly detecting the external world is put, the only frequency of external electromagnetic ripple signal is the communication employed in NFC communication The frequency of signal, it could be detected by electromagnetic receiving device, therefore, the transaction in first frequency signal cover is awarded Power terminal detects whether to receive first frequency signal by the electromagnetic receiving device of inside.

Step S103：The N number of Trading Authorization terminal for receiving first frequency signal is waken up, wherein, N is positive integer；

In the present embodiment, Trading Authorization terminal is entered after the first frequency signal that transaction initiating terminal is sent is received Enter to wake up flow, be changed into working condition, such as the master chip of Trading Authorization terminal electric from resting state, start and send the second frequency The module of rate signal.

As a kind of optional embodiment of the present embodiment, Trading Authorization terminal is receiving what transaction initiating terminal was sent After first frequency signal, wake-up flow will not be directly entered, only meets certain condition, Trading Authorization terminal, which could enter, calls out Awake flow.Therefore, the reality that any Trading Authorization terminal in N number of Trading Authorization terminal of first frequency signal is waken up is received Existing method can include but is not limited in the following manner：

Mode one：The Trading Authorization terminal for receiving first frequency signal determines that first frequency signal carries wake-up feature Information, Trading Authorization terminal are waken up.

In this optional embodiment, a variety of first frequency signals are there may be around Trading Authorization terminal, if handed over Easy authorization terminal receives first frequency signal and is just waken up, it is understood that there may be by the situation of false wake-up, and Trading Authorization terminal passes through Power consumption can be increased by being often waken up, therefore in order to prevent Trading Authorization terminal from being taken by false wake-up, only judgement first frequency signal With characteristic information is waken up, Trading Authorization terminal is just waken up.Wherein, the flag of first frequency signal, which is used to carry, wakes up spy Reference ceases, and the flag of first frequency signal can be in the head of first frequency signal or afterbody, naturally it is also possible in the first frequency Other positions of rate signal；Flag can only have 1, naturally it is also possible to be multidigit, the present embodiment is not specifically limited.Pass through Wake-up characteristic information entrained by first frequency signal is judged, can effectively reduce Trading Authorization terminal by false wake-up Number, while save the electricity of Trading Authorization terminal.

Mode two：The Trading Authorization terminal for receiving first frequency signal judges that the intensity of first frequency signal reaches default Threshold value, Trading Authorization terminal are waken up；

In this optional embodiment, the intensity of the first frequency signal received due to Trading Authorization terminal is awarded with transaction It is relevant to weigh the distance between terminal and transaction initiating terminal, vanilla transaction authorization terminal is with merchandising the distance between initiating terminal more Far, the intensity for the first frequency signal that Trading Authorization terminal receives is smaller, and distance is nearer, the first frequency signal received Intensity is bigger, therefore whether Trading Authorization terminal can reach default threshold by the intensity for the first frequency signal for judging to receive Value, it only can just be waken up, can effectively prevent at a distance of a range of Trading Authorization terminal with transaction initiating terminal to set Only Trading Authorization terminal is waken up by transaction initiating terminal far apart.In addition, if Trading Authorization terminal belongs to inactive component, need The first frequency signal to be sent by receiving transaction initiating terminal obtain electric energy, if Trading Authorization terminal receive the The intensity of one frequency signal is too small, then can not obtain enough electric energy to carry out follow-up work, therefore, only when received The intensity of one frequency signal reaches predetermined threshold value, just can guarantee that Trading Authorization terminal obtains enough electric energy and carries out subsequent operation.

Step S104：N number of Trading Authorization terminal each sends the second frequency signal best friend for carrying self identification information Easy initiating terminal, wherein, second frequency signal is used for logical between the Trading Authorization terminal after being waken up and transaction initiating terminal Letter, the frequency of second frequency signal are the frequency of signal of communication used by Bluetooth communication；

In the present embodiment, because high-frequency signal is than low-frequency signal, it can load mass data, distortion Rate is small, strong interference immunity, therefore, is believed using the frequency identical second frequency of signal of communication used by frequency and Bluetooth communication The data communication quality and stability that number can ensure Trading Authorization terminal between initiating terminal of merchandising；Trading Authorization terminal can With frequency identical second frequency signal (the used letter that communicates of non-Blue-tooth communication method using frequency with Bluetooth communication signals Number) communicated with transaction initiating terminal, can also be directly remote using bluetooth communication mode and transaction initiating terminal progress Communication.

As a kind of optional embodiment of the present embodiment, if the signal cover of second frequency signal is more than first The signal cover of frequency signal, then even in Trading Authorization terminal with during the subsequent communications of transaction initiating terminal, using Family carries Trading Authorization terminal away from transaction initiating terminal, does not also interfere with communication quality therebetween.

In the present embodiment, identification information is the information of unique mark Trading Authorization terminal, such as sequence number, card number, when Can also be so the information of other unique mark Trading Authorization terminals, the present embodiment is not specifically limited.

In the present embodiment, the N number of Trading Authorization terminal being waken up will carry the second frequency of self identification information respectively Rate signal is sent to transaction initiating terminal.For example, when supermarket is paid, the transaction initiating terminal of supermarket is ceaselessly outwards wide Broadcast and send first frequency signal, 3 (i.e. N=3) Trading Authorization terminals that first three user of payment of ranking carries respectively It is waken up after receiving the first frequency signal, Trading Authorization terminal in 3 be waken up respectively sends out the identification information of itself Transaction initiating terminal is delivered to, i.e.,：The 1st Trading Authorization terminal being waken up will carry self identification information (the 1st mark letter Breath) second frequency signal send to transaction initiating terminal, the 2nd Trading Authorization terminal being waken up will also carry itself mark The second frequency signal for knowing information (the 2nd identification information) is sent to transaction initiating terminal, the 3rd Trading Authorization terminal being waken up Equally the second frequency signal for carrying self identification information (the 3rd identification information) is sent to transaction initiating terminal.

Step S105：Transaction initiating terminal receives the second frequency signal that N number of Trading Authorization terminal is each sent, and obtains N Individual identification information；

In the present embodiment, N number of Trading Authorization terminal respectively sends the second frequency signal for carrying self identification information To transaction initiating terminal, transaction initiating terminal can receive N number of second frequency signal, and then obtain N number of identification information.

Step S106：Initiating terminal of merchandising obtains the subscriber authentication information of user's input；

In the present embodiment, subscriber authentication information is can to characterize the information of user identity；User can merchandise Initiating terminal inputs subscriber authentication information before obtaining N number of identification information, can also obtain N number of mark in transaction initiating terminal Know information and input subscriber authentication information afterwards, the present embodiment is not specifically limited.

As a kind of optional embodiment of the present embodiment, subscriber authentication information can include：First biological characteristic Information；Wherein, the first biological information can be iris information, finger print information, venous information or face image, also may be used certainly To be other biological informations.Initiating terminal of merchandising obtains the subscriber authentication information of user's input, including：Transaction is initiated Terminal has detected that biological limbs enter preset range, gathers the biological information of biological limbs；For example, when the first biology When characteristic information is finger print information, the fingerprint detection region detection for initiating terminal of merchandising gathers the finger of finger to there is finger contact Line information.

Step S107：Transaction initiating terminal sends subscriber authentication information and N number of identification information to background server；

In the present embodiment, merchandising initiating terminal can be by cable network or wireless network by subscriber authentication information Sent with N number of identification information to background server.

As a kind of optional embodiment of the present embodiment, transaction initiating terminal can utilize default encryption key to Family authentication information and N number of identification information are encrypted, then by obtained subscriber authentication information and N number of identification information Ciphertext is sent to background server.

As a kind of optional embodiment of the present embodiment, in transaction initiating terminal by subscriber authentication information and N number of Identification information is sent to before background server, in addition to：Transaction initiating terminal and background server establish information security passage, Subscriber authentication information and N number of identification information are encrypted the transmission key consulted by establishing in information security passage, The ciphertext for encrypting obtained subscriber authentication information and N number of identification information is sent to background server；Wherein it is possible to pass through One of in the following manner obtains the transmission key consulted：

Mode one：Initiating terminal of merchandising generates random number R 1, and random number R 1 is encrypted using the public key of background server and given birth to Sent into R1 ciphertext, and by R1 ciphertext to background server；Background server is decrypted to R1 ciphertext using private key and obtained R1, and random number R 2 is generated, using R1 and R2 generation transmission keys, and random number R 2 is added using the public key for initiating terminal of merchandising The dense ciphertext into R2, R2 ciphertext is sent to transaction initiating terminal；Initiating terminal of merchandising decrypts R2 ciphertext using private key R2 is obtained, utilizes R1 and R2 generation transmission keys.

Mode two：Initiating terminal of merchandising generates random number R 1, and random number R 1 is encrypted using the public key of background server and given birth to Sent into R1 ciphertext, and by R1 ciphertext to background server；Background server is decrypted to R1 ciphertext using private key and obtained R1, and random number R 2 is generated, enter using R1 and R2 generation transmission keys, and using the public key for initiating terminal of merchandising by key is transmitted Row encryption, the transmission key after encryption is sent to transaction initiating terminal；Initiating terminal of merchandising obtains transmission using private key decryption Key.

Above-mentioned optional embodiment, can be with by the way that transmission is encrypted to subscriber authentication information and N number of identification information Effectively prevent criminal from illegally stealing, read Trading Authorization terminal identification information and user subscriber authentication letter Breath, ensure subscriber authentication information and the security of N number of identification information transmission.

Step S108：Background server determines target identification information from N number of identification information, and sends target identification information To transaction initiating terminal, wherein, target identification information and subscriber authentication information match；

In the present embodiment, background server can determine target mark from N number of identification information one of in the following manner Know information：

Mode one：Background server is in the identification information and authentication information being locally stored according to identification information and body Identification information corresponding to the corresponding relation lookup subscriber authentication information of part checking information, mesh is determined in N number of identification information Identification information is marked, target identification information identification information corresponding with the subscriber authentication information found out matches；For example, connect 3 identification informations are received, wherein being the 1st identification information corresponding to the 1st Trading Authorization terminal, corresponding to the 2nd Trading Authorization terminal It is the 2nd identification information, is the 3rd identification information corresponding to the 3rd Trading Authorization terminal；Background server is in the mark letter being locally stored Found according to the corresponding relation of identification information and authentication information in breath and authentication information and believed with subscriber authentication Identification information corresponding to breath, compared with three identification informations that the identification information is received with background server respectively, such as The identification information of fruit the 3rd matches with the identification information, then illustrates that the 3rd identification information is exactly target identification information.

Mode two：Background server is in the identification information and authentication information being locally stored according to identification information and body The corresponding relation of part checking information searches N number of each self-corresponding authentication information of identification information, obtains N number of authentication letter Breath, the target identities checking information with subscriber authentication information match is determined in N number of authentication information, by target body Identification information is as target identification information corresponding to part checking information；For example, 3 identification informations are received, wherein the 1st transaction is awarded It is the 1st identification information to weigh corresponding to terminal, is the 2nd identification information corresponding to the 2nd Trading Authorization terminal, the 3rd Trading Authorization terminal Corresponding is the 3rd identification information；Background server is believed in the identification information and authentication information being locally stored according to mark Breath with the corresponding relation of authentication information finds three authentication informations corresponding with these three identification informations, i.e., with the 1st authentication information corresponding to 1 identification information, 2nd authentication information corresponding with the 2nd identification information, believe with the 3rd mark 3rd authentication information corresponding to breath, and judge respectively these three authentication informations and subscriber authentication information whether Match somebody with somebody, if the 3rd authentication information and subscriber authentication information matches, the 3rd identification information is target identification information.It is optional , when subscriber authentication information includes the first biological information, background server determines in N number of authentication information With the target identities checking information of subscriber authentication information match, including：Background server judges N number of authentication respectively Whether information and the matching rate of the first biological information are more than the first preset value, if one in N number of authentication information The matching rate of authentication information and the first biological information is more than the first preset value, it is determined that the authentication information for The target identities checking information of subscriber authentication information match；Wherein, the first preset value is less than the second preset value, and second is pre- If it is worth for indicating matching rate of two biological informations for same biological information.By setting the first preset value small In the second preset value, it is possible to reduce biological information is by the probability of False Rejects.

In the present embodiment, background server is returned by N number of Trading Authorization terminal for being waken up identification information and The subscriber authentication information that user inputs in transaction initiating terminal, to determine merchandise initiating terminal and N number of Trading Authorization terminal Which of Trading Authorization terminal be traded Authorized operation, can avoid being traded the Trading Authorization of Authorized operation Terminal is traded Authorized operation with transaction initiating terminal.

As a kind of optional embodiment of the present embodiment, if background server receive be subscriber authentication information and The ciphertext of N number of identification information, then before background server determines target identification information from N number of identification information, background service Device is using decruption key corresponding with the encryption key in step S107 to the close of subscriber authentication information and N number of identification information Text is decrypted, and obtains subscriber authentication information and N number of identification information.Wherein, decruption key and the encryption in step S107 Key can be symmetric key or unsymmetrical key.

As a kind of optional embodiment of the present embodiment, if background server receive be subscriber authentication information and The ciphertext of N number of identification information, then before background server determines target identification information from N number of identification information, background service Device can utilize background server in step S107 to establish during escape way the transmission key consulted with transaction initiating terminal The ciphertext of subscriber authentication information and N number of identification information is decrypted, obtains subscriber authentication information and N number of mark letter Breath.

Above-mentioned optional embodiment can be with by the way that the ciphertext of subscriber authentication information and N number of identification information is decrypted Confirm subscriber authentication information and the legitimacy in N number of identification information source, and prevent subscriber authentication information and N number of mark Know information illegally to be stolen, read in network transmission, ensure subscriber authentication information and the safety of N number of identification information transmission Property.

As a kind of optional embodiment of the present embodiment, background server can utilize default in above-mentioned steps S107 Target identification information is encrypted encryption key, then the ciphertext of obtained target identification information is sent to transaction and initiated eventually End.

As a kind of optional embodiment of the present embodiment, transaction initiating terminal can be utilized and established in above-mentioned steps S107 Information security lane negotiation transport key to that target identification information is encrypted, then by obtained target identification information Ciphertext is sent to transaction initiating terminal.

Above-mentioned optional embodiment can effectively prevent that criminal is non-by target identification information being encrypted transmission Method is stolen, reads target identification information, ensures the security of target identification information transmission.

In the present embodiment, background server can by cable network or wireless network by target identification information send to Transaction initiating terminal.

Step S109：Initiating terminal of merchandising receives target identification information, and sends and carry subscriber authentication information Trading Authorization terminal corresponding to second frequency signal to target identification information；

In the present embodiment, background server sends target identification information to transaction initiating terminal, and transaction is initiated eventually End receives target identification information, it is determined that Trading Authorization terminal corresponding with target identification information is traded Authorized operation, will The second frequency signal for carrying subscriber authentication information is sent to Trading Authorization terminal corresponding to target identification information, simultaneously Complete the authentication to Trading Authorization terminal.

As a kind of optional embodiment of the present embodiment, if background server reception is the close of target identification information Text, then it is corresponding to target identification information to send the second frequency signal for carrying subscriber authentication information in transaction initiating terminal Trading Authorization terminal before, transaction initiating terminal can utilize decruption key pair corresponding with the encryption key in step S107 The ciphertext of target identification information is decrypted, and obtains target identification information；Wherein, decruption key and the encryption in step S107 are close Key can be symmetric key or unsymmetrical key.

As a kind of optional embodiment of the present embodiment, if background server reception is the close of target identification information Text, then it is corresponding to target identification information to send the second frequency signal for carrying subscriber authentication information in transaction initiating terminal Trading Authorization terminal before, transaction initiating terminal can utilize the information security lane negotiation established in above-mentioned steps S107 Transport key to that the ciphertext of target identification information is decrypted, obtain target identification information.

Above-mentioned optional embodiment can confirm that target identification information by the way that the ciphertext of target identification information is decrypted The legitimacy in source, and prevent target identification information from illegally being stolen, read in network transmission, ensure target identification information The security of transmission.

Step S110：The subscriber authentication information that Trading Authorization terminal-pair corresponding to target identification information receives is tested Card, if being verified, Trading Authorization success；If checking is not by Trading Authorization failure.

In the present embodiment, the subscriber authentication information that Trading Authorization terminal-pair corresponding to target identification information receives is entered Row checking, including：Trading Authorization terminal corresponding to target identification information judges the subscriber authentication information received and default body Whether part checking information matches, if matching, is verified, otherwise verifies and do not pass through.Trading Authorization terminal storage has default body Part checking information, once being verified, then illustrate Trading Authorization success, complete the authentication to initiating terminal of merchandising；Separately Outside, if Trading Authorization terminal is led to need the equipment (such as intelligent cipher key equipment, wearable device etc.) of start checking manually Cross the subscriber authentication information for sending transaction initiating terminal to verify, can save and be manually entered in Trading Authorization terminal The step of checking information of starting shooting, simplify Trading Authorization operation, save the time, improve efficiency.

Above-mentioned transaction authorisation method sets the frequency of first frequency signal as the frequency of the signal of communication employed in NFC communication Rate, the wake-up scope for initiating terminal of merchandising is control effectively, transaction initiating terminal is waken up with it at a distance of certain model Enclose interior Trading Authorization terminal；The minimum vertex-covering radius for setting first frequency signal is 1 meter, it is possible to achieve user hands over without taking out Easy authorization terminal is lined up with regard to that can wake up Trading Authorization terminal, and when user carries Trading Authorization terminal before initiating terminal of merchandising Waiting is when being traded Authorized operation, can guarantee that distance transaction initiating terminal it is nearer be currently needed for be traded Authorized operation Trading Authorization terminal is waken up, and other waitings apart from transaction initiating terminal farther out are traded the Trading Authorization of Authorized operation Terminal is not waken up temporarily；By the set of frequency of second frequency signal be Bluetooth communication used by signal of communication frequency, can With the data communication quality and stability for ensureing Trading Authorization terminal between initiating terminal of merchandising；Background server is by being called out The identification information and user that awake N number of Trading Authorization terminal returns are believed in the subscriber authentication of transaction initiating terminal input Breath, to determine to merchandise, which of initiating terminal and N number of Trading Authorization terminal Trading Authorization terminal are traded Authorized operation, can To avoid the Trading Authorization terminal that need not be traded Authorized operation from being traded Authorized operation with transaction initiating terminal.With showing There is technology to compare, the above method need not ensure that Trading Authorization terminal is with contact direction, position or the speed for initiating terminal of merchandising It is no correctly to be merchandised with, only Trading Authorization terminal properly be located in the first frequency signal cover that initiating terminal is broadcasted, Trading Authorization operation can be completed, it is user-friendly.

Embodiment 2

The present embodiment provides a kind of method of commerce.

Fig. 2 is a kind of flow chart for transaction authorisation method that the present embodiment provides, as shown in Fig. 2 this method mainly includes Following steps S201 to step S212：

Step S201：Initiating terminal of merchandising broadcasts first frequency signal, and first frequency signal is used to wake up positioned at the first frequency Trading Authorization terminal in rate signal cover, the frequency of first frequency signal is the signal of communication employed in NFC communication Frequency, the minimum vertex-covering radius of first frequency signal is 1 meter；

In the present embodiment, the minimum vertex-covering radius of first frequency signal is 1 meter, for example, the covering of first frequency signal Radius is 1 meter, then the Trading Authorization terminal within 1 meter of initiating terminal of explanation distance transaction can receive transaction initiating terminal The first frequency signal of broadcast.User carries with Trading Authorization terminal, without ensureing that Trading Authorization terminal is initiated eventually with transaction Whether contact direction, position or the speed at end are correctly with properly, without Trading Authorization terminal is taken out, need to only make Trading Authorization whole End is in the first frequency signal cover of transaction initiating terminal broadcast, you can it is whole to wake up the Trading Authorization that user carries End, it is user-friendly；And when user, which carries Trading Authorization terminal, to be waited in line to be traded before initiating terminal of merchandising, It can guarantee that the nearer Trading Authorization terminal for being currently needed for being traded operation of distance transaction initiating terminal is waken up, and apart from friendship The Trading Authorization terminal that easy other waitings of initiating terminal farther out are traded operation is not waken up temporarily.In addition, existing transaction During, generally require user and give other people (such as cashiers) to be traded operation Trading Authorization terminal, but some Criminal can replicate Trading Authorization terminal after the Trading Authorization terminal of user is obtained using Replication Tools, so as to steal Information in Trading Authorization terminal is taken, endangers user's property safety, and the present embodiment is it is possible to prevente effectively from such case occurs, because The present embodiment can realize that user does not take out Trading Authorization terminal and can wake up Trading Authorization terminal and carry out follow-up transaction behaviour Make.

As a kind of optional embodiment of the present embodiment, the maximal cover radius of first frequency signal is 4 meters；It is preferred that , the maximal cover radius of first frequency signal is 3 meters, for example, the covering radius of first frequency signal is 3 meters, then explanation away from From the first frequency letter that the Trading Authorization terminal within 3 meters of initiating terminal of transaction can receive transaction initiating terminal broadcast Number.This optional embodiment can prevent distance transaction initiating terminal farther out, Trading Authorization that operation need not be traded Terminal is by false wake-up；Also, in the case of less to existing transaction initiating terminal change, covering for first frequency signal can be achieved Lid radius is 3 meters.

Step S202：Trading Authorization terminal in first frequency signal cover detects whether to receive the first frequency Rate signal；

Step S203：The N number of Trading Authorization terminal for receiving first frequency signal is waken up, wherein, N is positive integer；

Step S204：N number of Trading Authorization terminal each sends the second frequency signal best friend for carrying self identification information Easy initiating terminal, wherein, second frequency signal is used for logical between the Trading Authorization terminal after being waken up and transaction initiating terminal Letter, the frequency of second frequency signal are the frequency of signal of communication used by Bluetooth communication；

Step S205：Transaction initiating terminal receives the second frequency signal that N number of Trading Authorization terminal is each sent, and obtains N Individual identification information；

Step S206：Initiating terminal of merchandising obtains the subscriber authentication information of user's input；

Step S207：Transaction initiating terminal sends subscriber authentication information and N number of identification information to background server；

Step S208：Background server determines target identification information from N number of identification information, and sends target identification information To transaction initiating terminal, wherein, target identification information and subscriber authentication information match；

In the present embodiment, background server is returned by N number of Trading Authorization terminal for being waken up identification information and The subscriber authentication information that user inputs in transaction initiating terminal, to determine merchandise initiating terminal and N number of Trading Authorization terminal Which of Trading Authorization terminal be traded operation, can avoid being traded the Trading Authorization terminal of operation with handing over Easy initiating terminal is traded operation.

As a kind of optional embodiment of the present embodiment, if background server receive be subscriber authentication information and The ciphertext of N number of identification information, then before background server determines target identification information from N number of identification information, background service Device is using decruption key corresponding with the encryption key in step S207 to the close of subscriber authentication information and N number of identification information Text is decrypted, and obtains subscriber authentication information and N number of identification information.Wherein, decruption key and the encryption in step S207 Key can be symmetric key or unsymmetrical key.

As a kind of optional embodiment of the present embodiment, if background server receive be subscriber authentication information and The ciphertext of N number of identification information, then before background server determines target identification information from N number of identification information, background service Device can utilize background server in step S207 to establish during escape way the transmission key consulted with transaction initiating terminal The ciphertext of subscriber authentication information and N number of identification information is decrypted, obtains subscriber authentication information and N number of mark letter Breath.

As a kind of optional embodiment of the present embodiment, background server can utilize default in above-mentioned steps S207 Target identification information is encrypted encryption key, then the ciphertext of obtained target identification information is sent to transaction and initiated eventually End.

As a kind of optional embodiment of the present embodiment, transaction initiating terminal can be utilized and established in above-mentioned steps S207 Information security lane negotiation transport key to that target identification information is encrypted, then by obtained target identification information Ciphertext is sent to transaction initiating terminal.

Step S209：Initiating terminal of merchandising receives target identification information, and sends and carry subscriber authentication information Trading Authorization terminal corresponding to second frequency signal to target identification information；

In the present embodiment, background server sends target identification information to transaction initiating terminal, and transaction is initiated eventually End receives target identification information, it is determined that Trading Authorization terminal corresponding with target identification information is traded operation, will carry The second frequency signal for having user's authentication information is sent to Trading Authorization terminal corresponding to target identification information, is completed simultaneously Authentication to Trading Authorization terminal.

As a kind of optional embodiment of the present embodiment, if background server reception is the close of target identification information Text, then it is corresponding to target identification information to send the second frequency signal for carrying subscriber authentication information in transaction initiating terminal Trading Authorization terminal before, transaction initiating terminal can utilize decruption key pair corresponding with the encryption key in step S207 The ciphertext of target identification information is decrypted, and obtains target identification information；Wherein, decruption key and the encryption in step S207 are close Key can be symmetric key or unsymmetrical key.

As a kind of optional embodiment of the present embodiment, if background server reception is the close of target identification information Text, then it is corresponding to target identification information to send the second frequency signal for carrying subscriber authentication information in transaction initiating terminal Trading Authorization terminal before, transaction initiating terminal can utilize the information security lane negotiation established in above-mentioned steps S207 Transport key to that the ciphertext of target identification information is decrypted, obtain target identification information.

In the present embodiment, after transaction initiating terminal receives target identification information, in addition to：Initiating terminal of merchandising is sent out Send and carry Trading Authorization terminal corresponding to second frequency signal to the target identification information of Transaction Information；Transaction Information can wrap Include dealing money etc..Merchandise initiating terminal can by second frequency signal by subscriber authentication information and Transaction Information together Send to Trading Authorization terminal corresponding to target identification information；Merchandise initiating terminal can also in following step S210 target mark Know before Trading Authorization terminal obtains Transaction Information corresponding to information, Transaction Information individually sent by second frequency signal to Trading Authorization terminal corresponding to target identification information；Merchandise initiating terminal can also in following step S210 target identification information When corresponding Trading Authorization terminal obtains Transaction Information, Transaction Information is sent to target identification information by second frequency signal Corresponding Trading Authorization terminal.

Step S210：The subscriber authentication information that Trading Authorization terminal-pair corresponding to target identification information receives is tested Card, after being verified, Transaction Information is obtained, processing is carried out to Transaction Information and generates data to be verified, and sends to carry and treats Verify the second frequency signal of data to initiating terminal of merchandising；

In the present embodiment, the subscriber authentication information that Trading Authorization terminal-pair corresponding to target identification information receives is entered Row checking, including：Trading Authorization terminal corresponding to target identification information judges the subscriber authentication information received and default body Whether part checking information matches, if matching, is verified, otherwise verifies and do not pass through.Trading Authorization terminal storage has default body Part checking information, once being verified, then illustrate Trading Authorization success, complete the authentication to initiating terminal of merchandising；Separately Outside, if Trading Authorization terminal is led to need the equipment (such as intelligent cipher key equipment, wearable device etc.) of start checking manually Cross the subscriber authentication information for sending transaction initiating terminal to verify, can save and be manually entered in Trading Authorization terminal The step of checking information of starting shooting, simplify transactional operation, save the time, improve efficiency.

In the present embodiment, it is to be tested to carry out processing generation for Trading Authorization terminal-pair Transaction Information corresponding to target identification information Data are demonstrate,proved, can one of in the following ways：

Mode one：Corresponding Trading Authorization terminal carries out signature calculation generation using the private key that itself is stored to Transaction Information Signed data is as data to be verified；

Mode two：Corresponding Trading Authorization terminal Transaction Information is encrypted using transaction key calculating generation encryption number According to as data to be verified；

Mode three：Corresponding Trading Authorization terminal carries out verification calculating generation school to Transaction Information using check key is merchandised Test value and be used as data to be verified；

Mode four：Corresponding Trading Authorization terminal Transaction Information is encrypted using transaction key calculating generation encryption number According to, and verification calculating generation check value is carried out to encryption data as data to be verified using check key is merchandised；

Mode five：Corresponding Trading Authorization terminal Transaction Information is encrypted using transaction key calculating generation encryption number According to, and signature calculation generation signed data is carried out as data to be verified using the private key pair encryption data of itself storage.

Step S211：Initiating terminal of merchandising receives data to be verified, and data to be verified and Transaction Information are sent to rear Platform server；

In the present embodiment, transaction initiating terminal by wired or wireless network by data to be verified and Transaction Information send to Background server.

As a kind of optional embodiment of the present embodiment, transaction initiating terminal can be utilized in above-mentioned steps S207 and preset Encryption key data to be verified and Transaction Information are encrypted, then by obtained data to be verified and the ciphertext of Transaction Information Send to background server.

As a kind of optional embodiment of the present embodiment, transaction initiating terminal can be utilized and established in above-mentioned steps S207 Information security lane negotiation transport key to that data to be verified and Transaction Information are encrypted, it is then by what is obtained to be verified Data and the ciphertext of Transaction Information are sent to background server.

Above-mentioned optional embodiment can be prevented effectively not by the way that transmission is encrypted to data to be verified and Transaction Information Method molecule is illegally stolen, reads data to be verified and Transaction Information, ensures data to be verified and the security of Transaction Information transmission.

Step S212：Background server is verified to data to be verified, and after being verified, is held according to Transaction Information Row transaction；

In the present embodiment, background server is verified to data to be verified, can one of in the following ways：

Mode one：The public key of background server Trading Authorization terminal corresponding to carries out sign test to data to be verified；

Mode two：Data to be verified are decrypted using transaction key to obtain ciphertext data for background server, and compare Whether ciphertext data and the Transaction Information received are identical, are verified if identical, otherwise verify and do not pass through；Or backstage Server by utilizing transaction key the Transaction Information received is encrypted calculating, and by the Transaction Information of the encryption with receiving Data to be verified whether identical be compared, be verified if identical, otherwise verify and do not pass through；

Mode three：Background server carries out verification to the Transaction Information received using check key of merchandising and school is calculated Test value, and whether the obtained check value of contrast conting is identical with the check value that receives, is verified if identical, otherwise verifies Do not pass through；

Mode four：Background server is encrypted to the Transaction Information received using transaction key and encryption is calculated Transaction Information, and verification calculating generation check value is carried out to the Transaction Information of the encryption using check key is merchandised, and compare meter Calculate whether obtain check value identical with the check value that receives, be verified if identical, otherwise verify and do not pass through；

Mode five：Background server is tested data to be verified using the public key of the Trading Authorization terminal corresponding to Label, in sign test by rear, encryption data are decrypted to obtain ciphertext data, and the transaction for comparing ciphertext data and receiving is believed Whether breath is identical, is verified if identical, otherwise verifies and do not pass through；Or in sign test by rear, docked using transaction key Calculating is encrypted in the Transaction Information received, and the Transaction Information of the encryption is compared with the data to be verified received is It is no identical, it is verified if identical, otherwise verifies and do not pass through.

Data to be verified are verified by background server, can prevent illegal molecule from distorting Transaction Information, are ensured The security of transaction initiating terminal and Trading Authorization terminal transaction.

As a kind of optional embodiment of the present embodiment, if background server reception is that data to be verified and transaction are believed The ciphertext of breath, then before background server is verified to data to be verified, background server can utilize and step S207 In encryption key corresponding to decruption key the ciphertext of data to be verified and Transaction Information is decrypted, obtain data to be verified And Transaction Information；Wherein, decruption key with the encryption key in step S207 can be symmetric key or asymmetric close Key.

As a kind of optional embodiment of the present embodiment, if background server reception is that data to be verified and transaction are believed The ciphertext of breath, then before background server is verified to data to be verified, background server can utilize above-mentioned steps The information security lane negotiation established in S207 transports key to that the ciphertext of data to be verified and Transaction Information is decrypted, Obtain data to be verified and Transaction Information.

Above-mentioned optional embodiment by the ciphertext of data to be verified and Transaction Information is decrypted can confirm that it is to be tested Data and the legitimacy in Transaction Information source are demonstrate,proved, and prevent data to be verified and Transaction Information from illegally being stolen in network transmission Take, read, ensure data to be verified and the security of Transaction Information transmission.

In the present embodiment, background server to data verification to be verified by rear, according to Transaction Information and target mark Know information and perform transaction.

Above-mentioned transaction authorisation method sets the frequency of first frequency signal as the frequency of the signal of communication employed in NFC communication Rate, the wake-up scope for initiating terminal of merchandising is control effectively, transaction initiating terminal is waken up with it at a distance of certain model Enclose interior Trading Authorization terminal；The minimum vertex-covering radius for setting first frequency signal is 1 meter, it is possible to achieve user hands over without taking out Easy authorization terminal is lined up with regard to that can wake up Trading Authorization terminal, and when user carries Trading Authorization terminal before initiating terminal of merchandising When waiting is traded, the nearer Trading Authorization terminal for being currently needed for being traded operation of distance transaction initiating terminal can guarantee that It is waken up, and the Trading Authorization terminal that other waitings apart from transaction initiating terminal farther out are traded operation is not called out temporarily Wake up；By the set of frequency of second frequency signal be Bluetooth communication used by signal of communication frequency, it is ensured that Trading Authorization Data communication quality and stability between terminal and transaction initiating terminal；Background server is awarded by the N number of transaction being waken up The subscriber authentication information that the identification information and user that power terminal returns input in transaction initiating terminal, to determine that transaction is sent out Play which of terminal and N number of Trading Authorization terminal Trading Authorization terminal and be traded operation, can avoid being handed over Easy-operating Trading Authorization terminal is traded operation with transaction initiating terminal；Trading Authorization terminal is sent out by background server The data to be verified sent are verified, can prevent illegal molecule from distorting Transaction Information, ensure that transaction initiating terminal is awarded with transaction Weigh the security of terminal transaction.Compared with prior art, the above method need not ensure Trading Authorization terminal and transaction initiating terminal Contact direction, position or speed whether correctly with properly, only need to make Trading Authorization terminal positioned at transaction initiating terminal broadcast In first frequency signal cover, you can transactional operation is completed, it is user-friendly.

Embodiment 3

The present embodiment provides a kind of transaction authorisation system.

Fig. 3 is a kind of structural representation for transaction authorisation system that the present embodiment provides, as shown in figure 3, mainly including：Hand over Easy initiating terminal 301, for broadcasting first frequency signal, first frequency signal is used to wake up positioned at first frequency signal covering model Interior Trading Authorization terminal 302 is enclosed, the frequency of first frequency signal is the frequency of the signal of communication employed in NFC communication, the The minimum vertex-covering radius of one frequency signal is 1 meter；N number of Trading Authorization terminal 302, for detecting whether receiving first frequency Rate signal；And be waken up according to the first frequency signal received, each send the second frequency for carrying self identification information Signal extremely transaction initiating terminal 301, wherein, second frequency signal is used for the Trading Authorization terminal 302 after being waken up and transaction hair Play the communication between terminal 301, the frequency of second frequency signal is the frequency of signal of communication used by Bluetooth communication, and N is just Integer；Transaction initiating terminal 301, is additionally operable to receive the second frequency signal that N number of Trading Authorization terminal 302 is each sent, obtains N Individual identification information, the subscriber authentication information of user's input is obtained, and subscriber authentication information and N number of identification information are sent out Deliver to background server 303；Background server 303, for determining target identification information from N number of identification information, and send mesh Identification information is marked to initiating terminal 301 of merchandising, wherein, target identification information and subscriber authentication information match；Transaction hair Terminal 301 is played, is additionally operable to receive target identification information, and transmission carries the second frequency signal of subscriber authentication information extremely Trading Authorization terminal 302 corresponding to target identification information；Trading Authorization terminal 302 corresponding to target identification information, for docking The subscriber authentication information of receipts is verified, if being verified, Trading Authorization success；If checking is by the way that transaction is awarded Power failure.

In the present embodiment, initiating terminal 301 of merchandising can be card reader (such as POS) or it is other can be with The terminal of transaction is initiated, the present embodiment is not specifically limited.Trading Authorization terminal 302 can be smart card (such as IC-card, SIM Card, mass transit card, bank card etc.), intelligent cipher key equipment (such as USBKey, audio KEY etc.), mobile terminal (such as mobile phone etc.) or With pay, the wearable device (such as bracelet, watch, necklace or ring etc.) for the trading function such as transfer accounts.

In the present embodiment, transaction initiating terminal 301 can broadcast first frequency signal, poll first frequency letter always Trading Authorization terminal 302 in number coverage.Because polling operation can increase the current drain of transaction initiating terminal 301, because This, for power saving, transaction initiating terminal 301 can also be after trigger event be received, then starts to broadcast first frequency signal；Its In, the trigger event can be but not limited to button triggering (such as key, acknowledgement key etc.), biological characteristic triggering (such as refers to Line, iris, face information etc.) and communications triggered (such as receiving the transaction request that host computer is sent).

In the present embodiment, the minimum vertex-covering radius of first frequency signal is 1 meter, for example, the covering of first frequency signal Radius is 1 meter, then the Trading Authorization terminal 302 within 3011 meters of initiating terminal of explanation distance transaction can receive transaction hair Play the first frequency signal that terminal 301 is broadcasted.User carries with Trading Authorization terminal 302, without ensureing Trading Authorization terminal 302 with contact direction, position or the speed of initiating terminal 301 of merchandising whether correctly with properly, without taking out, Trading Authorization is whole End 302, it need to only make Trading Authorization terminal 302 in the first frequency signal cover that transaction initiating terminal 301 is broadcasted, i.e., The Trading Authorization terminal 302 of user's carrying can be waken up, it is user-friendly；And exist when user carries Trading Authorization terminal 302 Before transaction initiating terminal 301 when waiting in line to be traded Authorized operation, ensure nearer current of distance transaction initiating terminal 301 Need the Trading Authorization terminal 302 for being traded Authorized operation to be waken up, and apart from transaction initiating terminal 301 farther out other etc. The Trading Authorization terminal 302 that time is traded Authorized operation is not waken up temporarily.In addition, in existing transaction authorization process, typically User is needed to give other people (such as cashiers) to be traded Authorized operation Trading Authorization terminal 302, but some are illegal Molecule can replicate Trading Authorization terminal 302 after the Trading Authorization terminal 302 of user is obtained using Replication Tools, so as to Information in Trading Authorization terminal 302 is stolen, endangers user's property safety, and the present embodiment is it is possible to prevente effectively from such case is sent out It is raw, because the present embodiment can realize that user does not take out Trading Authorization terminal 302 and can wake up Trading Authorization terminal 302 and carry out Follow-up Trading Authorization operation.

As a kind of optional embodiment of the present embodiment, the maximal cover radius of first frequency signal is 4 meters；It is preferred that , the maximal cover radius of first frequency signal is 3 meters, for example, the covering radius of first frequency signal is 3 meters, then explanation away from Can receive that transaction initiating terminal 301 broadcasts from the Trading Authorization terminal 302 within 3013 meters of initiating terminal of transaction the One frequency signal.This optional embodiment can prevent distance transaction initiating terminal 301 farther out, mandate need not be traded The Trading Authorization terminal 302 of operation is by false wake-up；Also, to it is existing transaction initiating terminal 301 change it is less in the case of, can The covering radius for realizing first frequency signal is 3 meters.

In the present embodiment, the original state of Trading Authorization terminal 302 is resting state, it is necessary to according to transaction initiating terminal The first frequency signal of 301 broadcast is waken up, and can so save the electric quantity consumption of Trading Authorization terminal 302.

In the present embodiment, the electromagnetic wave in the Trading Authorization terminal 302 in first frequency signal cover connects Receiving apparatus ceaselessly detects the electromagnetic wave signal in the external world, and the only frequency of external electromagnetic ripple signal is employed in NFC communication The frequency of signal of communication, it could be detected by electromagnetic receiving device, therefore, the friendship in first frequency signal cover Easy authorization terminal 302 detects whether to receive first frequency signal by the electromagnetic receiving device of inside.

In the present embodiment, Trading Authorization terminal 302 is receiving the first frequency signal of the transaction transmission of initiating terminal 301 Afterwards, into flow is waken up, it is changed into working condition, such as the master chip of Trading Authorization terminal 302 electric from resting state, starts hair Send the module of second frequency signal.

As a kind of optional embodiment of the present embodiment, Trading Authorization terminal 302 is receiving transaction initiating terminal 301 After the first frequency signal of transmission, wake-up flow will not be directly entered, only meets certain condition, Trading Authorization terminal 302 It could enter and wake up flow.Therefore, any Trading Authorization terminal 302 in N number of Trading Authorization terminal 302 is according to received One frequency signal, which is waken up, can include but is not limited in the following manner：

Mode one：Any Trading Authorization terminal 302 in N number of Trading Authorization terminal 302, specifically for determining what is received First frequency signal carries wake-up characteristic information, and is waken up according to characteristic information is waken up.

In this optional embodiment, a variety of first frequency signals are there may be around Trading Authorization terminal 302, if Trading Authorization terminal 302 receives first frequency signal and is just waken up, it is understood that there may be by the situation of false wake-up, and Trading Authorization is whole End 302 is often waken up and can increase power consumption, therefore in order to prevent Trading Authorization terminal 302 from by false wake-up, only judging first Frequency signal carries wake-up characteristic information, and Trading Authorization terminal 302 is just waken up.Wherein, the flag of first frequency signal Characteristic information is waken up for carrying, the flag of first frequency signal can be in the head of first frequency signal or afterbody, certainly Can also be at other positions of first frequency signal；Flag can only have 1, naturally it is also possible to be multidigit, the present embodiment is not It is specifically limited.By judging the wake-up characteristic information entrained by first frequency signal, it can effectively reduce transaction and award Terminal 302 is weighed by the number of false wake-up, while saves the electricity of Trading Authorization terminal 302.

Mode two：Any Trading Authorization terminal 302 in N number of Trading Authorization terminal 302, specifically for judging what is received The intensity of first frequency signal reaches predetermined threshold value, and Trading Authorization terminal 302 is waken up.

In this optional embodiment, the intensity of the first frequency signal received due to Trading Authorization terminal 302 and friendship The distance between easy authorization terminal 302 and transaction initiating terminal 301 are relevant, and vanilla transaction authorization terminal 302 is initiated eventually with transaction End the distance between 301 is more remote, and the intensity for the first frequency signal that Trading Authorization terminal 302 receives is smaller, and distance is nearer, connects The intensity of the first frequency signal received is bigger, therefore the first frequency that Trading Authorization terminal 302 can be received by judgement Whether the intensity of signal reaches predetermined threshold value, is only awarded to set with transaction initiating terminal 301 at a distance of a range of transaction Power terminal 302 can be just waken up, and can effectively prevent Trading Authorization terminal 302 from being called out by transaction initiating terminal 301 far apart Wake up.In addition, if Trading Authorization terminal 302 belongs to inactive component, it is necessary to the first frequency sent by receiving transaction initiating terminal 301 Rate signal obtains electric energy, if the intensity for the first frequency signal that Trading Authorization terminal 302 receives is too small, can not obtain Enough electric energy carry out follow-up work, therefore, only when the intensity of the first frequency signal received reaches predetermined threshold value, It can guarantee that Trading Authorization terminal 302 obtains enough electric energy and carries out subsequent operation.

In the present embodiment, because high-frequency signal is than low-frequency signal, it can load mass data, distortion Rate is small, strong interference immunity, therefore, is believed using the frequency identical second frequency of signal of communication used by frequency and Bluetooth communication The data communication quality and stability that number can ensure Trading Authorization terminal 302 between initiating terminal 302 of merchandising；Trading Authorization Terminal 302 can use the frequency identical second frequency signal of frequency and Bluetooth communication signals, and (non-Blue-tooth communication method is adopted Signal of communication) communicated with transaction initiating terminal 302, directly it can also be initiated eventually using bluetooth communication mode and transaction End 302 carries out telecommunication.

As a kind of optional embodiment of the present embodiment, if the signal cover of second frequency signal is more than first The signal cover of frequency signal, then even in Trading Authorization terminal 302 and the subsequent communications process of transaction initiating terminal 302 In, user carries Trading Authorization terminal 302 away from transaction initiating terminal 302, does not also interfere with communication quality therebetween.

In the present embodiment, identification information is the information of unique mark Trading Authorization terminal 302, such as sequence number, card number, Can certainly be the information of other unique mark Trading Authorization terminals 302, the present embodiment is not specifically limited.

In the present embodiment, the N number of Trading Authorization terminal 302 being waken up will carry the second of self identification information respectively Frequency signal is sent to transaction initiating terminal 302.For example, when supermarket is paid, the transaction initiating terminal 302 of supermarket does not stop Outside broadcast transmission first frequency signal, 3 (i.e. N=3) transaction that first three user of payment of ranking carries respectively Authorization terminal 302 is waken up after receiving the first frequency signal, and 3 be waken up Trading Authorization terminal 302 respectively will be certainly The identification information of body send to transaction initiating terminal 302, i.e.,：The 1st Trading Authorization terminal 302 being waken up will carry itself The second frequency signal of identification information (the 1st identification information) is sent to transaction initiating terminal 302, and the 2nd transaction being waken up is awarded Power terminal 302 also sends the second frequency signal for carrying self identification information (the 2nd identification information) to transaction initiating terminal 302, the 3rd Trading Authorization terminal 302 being waken up will equally carry the second frequency of self identification information (the 3rd identification information) Rate signal is sent to transaction initiating terminal 302.

In the present embodiment, N number of Trading Authorization terminal 302 respectively sends out the second frequency signal for carrying self identification information After delivering to transaction initiating terminal 301, transaction initiating terminal 301 can receive N number of second frequency signal, and then obtain N number of mark Information.

In the present embodiment, subscriber authentication information is can to characterize the information of user identity；User can merchandise Initiating terminal 301 inputs subscriber authentication information before obtaining N number of identification information, can also be obtained in transaction initiating terminal 301 N number of identification information is taken to input subscriber authentication information afterwards, the present embodiment is not specifically limited.

As a kind of optional embodiment of the present embodiment, subscriber authentication information can include：First biological characteristic Information；Wherein, the first biological information can be iris information, finger print information, venous information or face image, also may be used certainly To be other biological informations.Initiating terminal 301 of merchandising obtains the subscriber authentication information of user's input, including：Transaction Initiating terminal 301 has detected that biological limbs enter preset range, gathers the biological information of biological limbs；For example, work as When first biological information is finger print information, the fingerprint detection region detection for initiating terminal 301 of merchandising is adopted to there is finger contact Collect the finger print information of finger.

In the present embodiment, merchandising initiating terminal 301 can be by cable network or wireless network by subscriber authentication Information and N number of identification information are sent to background server 303.

As a kind of optional embodiment of the present embodiment, transaction initiating terminal 301 can utilize default encryption key Subscriber authentication information and N number of identification information are encrypted, then obtained subscriber authentication information and N number of mark are believed The ciphertext of breath is sent to background server 303.

As a kind of optional embodiment of the present embodiment, in transaction initiating terminal 301 by subscriber authentication information and N Individual identification information is sent to before background server 303, and transaction initiating terminal 301 and background server 303 establish information security Passage, subscriber authentication information and N number of identification information are carried out by establishing in information security passage the transmission key consulted Encryption, the ciphertext for encrypting obtained subscriber authentication information and N number of identification information is sent to background server 303；Wherein, The transmission key consulted can be obtained one of in the following manner：

Mode one：Initiating terminal 301 of merchandising generates random number R 1, using the public key of background server 303 to random number R 1 Encryption generation R1 ciphertext, and R1 ciphertext is sent to background server 303；Background server 303 is using private key to R1's Ciphertext decryption obtains R1, and generates random number R 2, using R1 and R2 generation transmission keys, and utilizes initiating terminal 301 of merchandising Public key encrypts generation R2 ciphertext to random number R 2, and R2 ciphertext is sent to transaction initiating terminal 301；Transaction initiating terminal 301 obtain R2 using private key decryption R2 ciphertext, utilize R1 and R2 generation transmission keys.

Mode two：Initiating terminal 301 of merchandising generates random number R 1, using the public key of background server 303 to random number R 1 Encryption generation R1 ciphertext, and R1 ciphertext is sent to background server 303；Background server 303 is using private key to R1's Ciphertext decryption obtains R1, and generates random number R 2, using R1 and R2 generation transmission keys, and utilizes initiating terminal 301 of merchandising Public key is encrypted key is transmitted, and the transmission key after encryption is sent to transaction initiating terminal 301；Transaction initiating terminal 301 obtain transmission key using private key decryption.

Above-mentioned optional embodiment, can be with by the way that transmission is encrypted to subscriber authentication information and N number of identification information Effectively prevent criminal from illegally stealing, read the identification information of Trading Authorization terminal 302 and the subscriber authentication of user Information, ensure subscriber authentication information and the security of N number of identification information transmission.

In the present embodiment, background server 303 can determine target from N number of identification information one of in the following manner Identification information：

Mode one：Background server 303 is in the identification information and authentication information being locally stored according to identification information Identification information corresponding with the corresponding relation lookup subscriber authentication information of authentication information, in N number of identification information really Set the goal identification information, and target identification information identification information corresponding with the subscriber authentication information found out matches；Example Such as, 3 identification informations are received, wherein being the 1st identification information corresponding to the 1st Trading Authorization terminal 302, the 2nd Trading Authorization is whole It is the 2nd identification information corresponding to end 302, is the 3rd identification information corresponding to the 3rd Trading Authorization terminal 302；Background server 303 Searched in the identification information and authentication information being locally stored according to identification information and the corresponding relation of authentication information To identification information corresponding with subscriber authentication information, three that the identification information is received with background server 303 respectively Individual identification information is compared, if the 3rd identification information matches with the identification information, illustrates that the 3rd identification information is exactly mesh Mark identification information.

Mode two：Background server 303 is in the identification information and authentication information being locally stored according to identification information N number of each self-corresponding authentication information of identification information is searched with the corresponding relation of authentication information, obtains N number of authentication Information, the target identities checking information with subscriber authentication information match is determined in N number of authentication information, by target Identification information is as target identification information corresponding to authentication information；For example, 3 identification informations are received, wherein the 1st transaction It is the 1st identification information corresponding to authorization terminal 302, is the 2nd identification information corresponding to the 2nd Trading Authorization terminal 302, the 3rd merchandises It is the 3rd identification information corresponding to authorization terminal 302；Background server 303 is believed in the identification information being locally stored and authentication Three identity corresponding with these three identification informations are found with the corresponding relation of authentication information according to identification information in breath Checking information, i.e. 1st authentication information corresponding with the 1st identification information, 2nd authentication corresponding with the 2nd identification information Information, 3rd authentication information corresponding with the 3rd identification information, and these three authentication informations and user's body are judged respectively Whether part checking information matches, if the 3rd authentication information and subscriber authentication information matches, the 3rd identification information are Target identification information.Optionally, when subscriber authentication information includes the first biological information, background server 303 is logical In the following manner is crossed to determine in N number of authentication information and the target identities checking information of subscriber authentication information match： Background server 303 judges whether the matching rate of N number of authentication information and the first biological information is pre- more than first respectively If value, if the matching rate of an authentication information in N number of authentication information and the first biological information is more than the One preset value, it is determined that the authentication information is the target identities checking information with subscriber authentication information match；Its In, the first preset value is less than the second preset value, and the second preset value is used to indicate that two biological informations are special for same biology The matching rate of reference breath.By setting the first preset value to be less than the second preset value, it is possible to reduce biological information is refused by mistake Exhausted probability.

In the present embodiment, the mark that background server 303 is returned by the N number of Trading Authorization terminal 302 being waken up is believed Breath and user transaction initiating terminal 301 input subscriber authentication information, come determine merchandise initiating terminal 301 with it is N number of Which of Trading Authorization terminal 302 Trading Authorization terminal 302 is traded Authorized operation, can avoid being traded The Trading Authorization terminal 302 of Authorized operation is traded Authorized operation with transaction initiating terminal 301.

As a kind of optional embodiment of the present embodiment, if the reception of background server 303 is subscriber authentication letter The ciphertext of breath and N number of identification information, then before background server 303 determines target identification information from N number of identification information, after Platform server 303 is using decruption key corresponding with above-mentioned encryption key to subscriber authentication information and N number of identification information Ciphertext is decrypted, and obtains subscriber authentication information and N number of identification information.Wherein, decruption key can with above-mentioned encryption key To be symmetric key or unsymmetrical key.

As a kind of optional embodiment of the present embodiment, if the reception of background server 303 is subscriber authentication letter The ciphertext of breath and N number of identification information, then before background server 303 determines target identification information from N number of identification information, after Platform server 303 can utilize above-mentioned background server 303 to establish during escape way what is consulted with initiating terminal 301 of merchandising The ciphertext of subscriber authentication information and N number of identification information is decrypted transmission key, obtains subscriber authentication information and N Individual identification information.

As a kind of optional embodiment of the present embodiment, background server 303 can utilize above-mentioned encryption key to mesh Mark identification information is encrypted, then the ciphertext of obtained target identification information is sent to transaction initiating terminal 301.

As a kind of optional embodiment of the present embodiment, transaction initiating terminal 301 can utilize the information of above-mentioned foundation What escape way was consulted transports key to that target identification information is encrypted, then the ciphertext of obtained target identification information is sent out Deliver to transaction initiating terminal 301.

In the present embodiment, background server 303 can be sent out target identification information by cable network or wireless network Deliver to transaction initiating terminal 301.

In the present embodiment, background server 303 sends target identification information to transaction initiating terminal 301, transaction Initiating terminal 301 receives target identification information, it is determined that Trading Authorization terminal 302 corresponding with target identification information is traded and awarded Power operation, the second frequency signal that will carry subscriber authentication information send to merchandising corresponding to target identification information and awarded Terminal 302 is weighed, while completes the authentication to Trading Authorization terminal 302.

As a kind of optional embodiment of the present embodiment, if the reception of background server 303 is target identification information Ciphertext, then second frequency signal to the target identification that subscriber authentication information is carried in the transaction transmission of initiating terminal 301 are believed Before Trading Authorization terminal 302 corresponding to breath, transaction initiating terminal 301 can utilize decryption corresponding with above-mentioned encryption key close The ciphertext of target identification information is decrypted key, obtains target identification information；Wherein, decruption key can with above-mentioned encryption key To be symmetric key or unsymmetrical key.

As a kind of optional embodiment of the present embodiment, if the reception of background server 303 is target identification information Ciphertext, then second frequency signal to the target identification that subscriber authentication information is carried in the transaction transmission of initiating terminal 301 are believed Before Trading Authorization terminal 302 corresponding to breath, transaction initiating terminal 301 can utilize the information security lane negotiation of above-mentioned foundation Transport key to the ciphertext of target identification information is decrypted, obtain target identification information.

In the present embodiment, subscriber authentication of the Trading Authorization terminal 302 corresponding to target identification information to reception is believed Cease and verified, including：Corresponding to target identification information Trading Authorization terminal 302 judge receive subscriber authentication information with Whether default authentication information matches, if matching, is verified, otherwise verifies and do not pass through.Trading Authorization terminal 302 stores There is default authentication information, once being verified, then illustrate Trading Authorization success, complete to transaction initiating terminal 301 Authentication；In addition, if Trading Authorization terminal 302 for need manually start checking equipment (such as intelligent cipher key equipment, can Wearable device etc.), verified by the subscriber authentication information sent to transaction initiating terminal 301, can save and hand over Easy authorization terminal 302 is manually entered the step of start checking information, simplifies Trading Authorization operation, saves the time, improves efficiency.

Above-mentioned transaction authorisation system sets the frequency of first frequency signal as the frequency of the signal of communication employed in NFC communication Rate, the wake-up scope for initiating terminal 301 of merchandising is control effectively, transaction initiating terminal 301 is waken up with it apart A range of Trading Authorization terminal 302；The minimum vertex-covering radius for setting first frequency signal is 1 meter, it is possible to achieve user Trading Authorization terminal 302 need not be taken out with regard to Trading Authorization terminal 302 can be waken up, and when user carries Trading Authorization terminal 302 When waiting in line to be traded Authorized operation before initiating terminal 301 of merchandising, ensure that distance transaction initiating terminal 301 is nearer and work as It is preceding to need the Trading Authorization terminal 302 for being traded Authorized operation to be waken up, and apart from transaction initiating terminal 301 farther out other The Trading Authorization terminal 302 that waiting is traded Authorized operation is not waken up temporarily；Set of frequency by second frequency signal is The frequency of signal of communication used by Bluetooth communication, it is ensured that between Trading Authorization terminal 302 and transaction initiating terminal 301 Data communication quality and stability；The mark that background server 303 is returned by the N number of Trading Authorization terminal 302 being waken up is believed Breath and user transaction initiating terminal 301 input subscriber authentication information, come determine merchandise initiating terminal 301 with it is N number of Which of Trading Authorization terminal 302 Trading Authorization terminal 302 is traded Authorized operation, can avoid being traded The Trading Authorization terminal 302 of Authorized operation is traded Authorized operation with transaction initiating terminal 301.Compared with prior art, on The system of stating need not ensure Trading Authorization terminal 302 with merchandise initiating terminal 301 contact direction, position or speed whether correctly with Properly, Trading Authorization terminal 302 need to only be made in the first frequency signal cover that transaction initiating terminal 301 is broadcasted, i.e., Trading Authorization operation can be completed, it is user-friendly.

Embodiment 4

The present embodiment provides a kind of transaction system.

The structure for the transaction authorisation system that the structural representation for the transaction system that the present embodiment provides provides with embodiment 3 is shown Be intended to it is identical, reference can be made to Fig. 3, mainly includes：Transaction initiating terminal 301, for broadcasting first frequency signal, first frequency signal For waking up the Trading Authorization terminal 302 in first frequency signal cover, the frequency of first frequency signal is led to for NFC The frequency of signal of communication employed in letter, the minimum vertex-covering radius of first frequency signal is 1 meter；N number of Trading Authorization terminal 302, for detecting whether receiving the first frequency signal；And be waken up according to the first frequency signal received, each The second frequency signal for carrying self identification information is sent to initiating terminal 301 of merchandising, wherein, second frequency signal is used for quilt The communication between Trading Authorization terminal 302 and transaction initiating terminal 301 after wake-up, the frequency of second frequency signal are led to for bluetooth The frequency of signal of communication used by letter, N are positive integer；Transaction initiating terminal 301, is additionally operable to receive N number of Trading Authorization terminal The 302 second frequency signals each sent, N number of identification information is obtained, obtain the subscriber authentication information of user's input, and will Subscriber authentication information and N number of identification information are sent to background server 303；Background server 303, for from N number of mark Target identification information is determined in information, and sends target identification information to initiating terminal 301 of merchandising, wherein, target identification information With subscriber authentication information match；Transaction initiating terminal 301, it is additionally operable to receive target identification information, and sends and carry Trading Authorization terminal 302 corresponding to second frequency signal to the target identification information of subscriber authentication information；Target identification is believed Trading Authorization terminal 302 corresponding to breath, for being verified to the subscriber authentication information of reception, if being verified, obtain Transaction Information is taken, processing is carried out to Transaction Information and generates data to be verified, and sends the second frequency for carrying data to be verified Signal extremely transaction initiating terminal 301；Merchandise initiating terminal 301, be additionally operable to receive data to be verified, and by data to be verified and friendship Easy information is sent to background server 303；Background server 303, it is additionally operable to verify data to be verified, and it is logical in checking Later, transaction is performed according to Transaction Information；Transaction initiating terminal 301, is additionally operable to after the identification information of matching is received, and sends Carry Trading Authorization terminal 302 corresponding to second frequency signal to the target identification information of Transaction Information.

In the present embodiment, the minimum vertex-covering radius of first frequency signal is 1 meter, for example, the covering of first frequency signal Radius is 1 meter, then the Trading Authorization terminal 302 within 3011 meters of initiating terminal of explanation distance transaction can receive transaction hair Play the first frequency signal that terminal 301 is broadcasted.User carries with Trading Authorization terminal 302, without ensureing Trading Authorization terminal 302 with contact direction, position or the speed of initiating terminal 301 of merchandising whether correctly with properly, without taking out, Trading Authorization is whole End 302, it need to only make Trading Authorization terminal 302 in the first frequency signal cover that transaction initiating terminal 301 is broadcasted, i.e., The Trading Authorization terminal 302 of user's carrying can be waken up, it is user-friendly；And exist when user carries Trading Authorization terminal 302 Before transaction initiating terminal 301 when waiting in line to be traded, ensure distance transaction initiating terminal 301 it is nearer be currently needed for carrying out The Trading Authorization terminal 302 of transactional operation is waken up, and other waitings apart from transaction initiating terminal 301 farther out are traded behaviour The Trading Authorization terminal 302 of work is not waken up temporarily.In addition, in existing transaction authorization process, generally require user and award transaction Power terminal 302 gives other people (such as cashiers) to be traded operation, but some criminals are obtaining the transaction of user After authorization terminal 302, Trading Authorization terminal 302 can be replicated using Replication Tools, so as to steal in Trading Authorization terminal 302 Information, user's property safety is endangered, and the present embodiment is it is possible to prevente effectively from such case occurs, because the present embodiment can be realized User does not take out Trading Authorization terminal 302 and can wake up Trading Authorization terminal 302 and carry out follow-up transactional operation.

As a kind of optional embodiment of the present embodiment, the maximal cover radius of first frequency signal is 4 meters；It is preferred that , the maximal cover radius of first frequency signal is 3 meters, for example, the covering radius of first frequency signal is 3 meters, then explanation away from Can receive that transaction initiating terminal 301 broadcasts from the Trading Authorization terminal 302 within 3013 meters of initiating terminal of transaction the One frequency signal.This optional embodiment can prevent distance transaction initiating terminal 301 farther out, operation need not be traded Trading Authorization terminal 302 by false wake-up；Also, to it is existing transaction initiating terminal 301 change it is less in the case of, can be achieved The covering radius of first frequency signal is 3 meters.

In the present embodiment, the mark that background server 303 is returned by the N number of Trading Authorization terminal 302 being waken up is believed Breath and user transaction initiating terminal 301 input subscriber authentication information, come determine merchandise initiating terminal 301 with it is N number of Which of Trading Authorization terminal 302 Trading Authorization terminal 302 is traded operation, can avoid that operation need not be traded Trading Authorization terminal 302 with transaction initiating terminal 301 be traded operation.

In the present embodiment, background server 303 sends target identification information to transaction initiating terminal 301, transaction Initiating terminal 301 receives target identification information, it is determined that Trading Authorization terminal 302 corresponding with target identification information is traded behaviour Make, the second frequency signal that will carry subscriber authentication information was sent to Trading Authorization end corresponding to target identification information End 302, while complete the authentication to Trading Authorization terminal 302.

In the present embodiment, Transaction Information can be including dealing money etc.；Merchandising initiating terminal 301 can be by the second frequency Rate signal sends subscriber authentication information and Transaction Information to Trading Authorization terminal corresponding to target identification information together 302；Merchandise initiating terminal 301 can also corresponding to target identification information Trading Authorization terminal 302 obtain Transaction Information before, Transaction Information is individually sent to Trading Authorization terminal 302 corresponding to target identification information by second frequency signal；Transaction hair Second frequency can also be passed through when Trading Authorization terminal 302 corresponding to target identification information obtains Transaction Information by playing terminal 301 Signal sends Transaction Information to Trading Authorization terminal 302 corresponding to target identification information.

In the present embodiment, subscriber authentication of the Trading Authorization terminal 302 corresponding to target identification information to reception is believed Cease and verified, including：Corresponding to target identification information Trading Authorization terminal 302 judge receive subscriber authentication information with Whether default authentication information matches, if matching, is verified, otherwise verifies and do not pass through.Trading Authorization terminal 302 stores There is default authentication information, once being verified, then illustrate Trading Authorization success, complete to transaction initiating terminal 301 Authentication；In addition, if Trading Authorization terminal 302 for need manually start checking equipment (such as intelligent cipher key equipment, can Wearable device etc.), verified by the subscriber authentication information sent to transaction initiating terminal 301, can save and hand over Easy authorization terminal 302 is manually entered the step of start checking information, simplifies transactional operation, saves the time, improves efficiency.

In the present embodiment, Trading Authorization terminal 302 carries out processing generation to Transaction Information corresponding to target identification information Data to be verified, can one of in the following ways：

Mode one：Corresponding Trading Authorization terminal 302 carries out signature calculation using the private key that itself is stored to Transaction Information Signed data is generated as data to be verified；

Mode two：Calculating generation is encrypted to Transaction Information using transaction key and adds for corresponding Trading Authorization terminal 302 Ciphertext data is as data to be verified；

Mode three：Corresponding Trading Authorization terminal 302 carries out verification calculating life to Transaction Information using check key is merchandised Into check value as data to be verified；

Mode four：Calculating generation is encrypted to Transaction Information using transaction key and adds for corresponding Trading Authorization terminal 302 Ciphertext data, and verification calculating generation check value is carried out to encryption data as data to be verified using check key is merchandised；

Mode five：Calculating generation is encrypted to Transaction Information using transaction key and adds for corresponding Trading Authorization terminal 302 Ciphertext data, and signature calculation generation signed data is carried out as data to be verified using the private key pair encryption data of itself storage.

In the present embodiment, transaction initiating terminal 301 is sent out data to be verified and Transaction Information by wired or wireless network Deliver to background server 303.

As a kind of optional embodiment of the present embodiment, transaction initiating terminal 301 can utilize above-mentioned encryption key pair Data to be verified and Transaction Information are encrypted, then the ciphertext of obtained data to be verified and Transaction Information is sent to backstage and taken Business device 303.

As a kind of optional embodiment of the present embodiment, transaction initiating terminal 301 can utilize the information of above-mentioned foundation What escape way was consulted transports key to that data to be verified and Transaction Information are encrypted, then by obtained data to be verified and The ciphertext of Transaction Information is sent to background server 303.

In the present embodiment, background server 303 is verified to data to be verified, can one of in the following ways：

Mode one：The public key of the Trading Authorization terminal 302 corresponding to of background server 303 is tested data to be verified Label；

Mode two：Data to be verified are decrypted using transaction key to obtain ciphertext data for background server 303, and compare It is whether identical with the Transaction Information that receives to ciphertext data, it is verified if identical, otherwise verifies and do not pass through；After or Platform server 303 Transaction Information received is encrypted calculating using transaction key, and by the Transaction Information of the encryption with Whether the data to be verified received are compared identical, are verified if identical, otherwise verify and do not pass through；

Mode three：Background server 303 carries out verification to the Transaction Information received using check key of merchandising and calculated To check value, and whether the obtained check value of contrast conting is identical with the check value that receives, is verified if identical, otherwise Checking does not pass through；

Mode four：The Transaction Information received, which is encrypted, using transaction key to be calculated for background server 303 adds Close Transaction Information, and verification calculating generation check value is carried out to the Transaction Information of the encryption using check key is merchandised, and compare It is whether identical to the check value that check value is calculated with receives, it is verified if identical, otherwise verifies and do not pass through；

Mode five：Background server 303 is entered using the public key of Trading Authorization terminal 302 corresponding to utilization to data to be verified Row sign test, in sign test by rear, encryption data is decrypted to obtain ciphertext data, and compare ciphertext data and the friendship received Whether easy information is identical, is verified if identical, otherwise verifies and do not pass through；Or in sign test by rear, utilize transaction key Calculating is encrypted to the Transaction Information received, and the Transaction Information of the encryption is compared with the data to be verified received To whether identical, it is verified if identical, otherwise verifies and do not pass through.

Data to be verified are verified by background server 303, can prevent illegal molecule from distorting Transaction Information, are protected The security that card transaction initiating terminal 301 is merchandised with Trading Authorization terminal 302.

As a kind of optional embodiment of the present embodiment, if the reception of background server 303 is data to be verified and friendship The ciphertext of easy information, then before background server 303 is verified to data to be verified, background server 303 can utilize The ciphertext of data to be verified and Transaction Information is decrypted decruption key corresponding with above-mentioned encryption key, obtains number to be verified According to and Transaction Information；Wherein, decruption key and above-mentioned encryption key can be symmetric key or unsymmetrical key.

As a kind of optional embodiment of the present embodiment, if the reception of background server 303 is data to be verified and friendship The ciphertext of easy information, then before background server 303 is verified to data to be verified, background server 303 can utilize The information security lane negotiation of above-mentioned foundation transports key to that the ciphertext of data to be verified and Transaction Information is decrypted, and obtains Obtain data to be verified and Transaction Information.

In the present embodiment, background server 303 to data verification to be verified by rear, according to Transaction Information and target Identification information performs transaction.

Above-mentioned transaction system sets the frequency of first frequency signal as the frequency of the signal of communication employed in NFC communication, The wake-up scope for initiating terminal 301 of merchandising is control effectively, transaction initiating terminal 301 is waken up with it at a distance of certain In the range of Trading Authorization terminal 302；The minimum vertex-covering radius for setting first frequency signal is 1 meter, it is possible to achieve user need not Trading Authorization terminal 302 is taken out to hand over regard to Trading Authorization terminal 302 can be waken up, and when user carries Trading Authorization terminal 302 When waiting in line to be traded before easy initiating terminal 301, ensure distance transaction initiating terminal 301 it is nearer be currently needed for being handed over Easy-operating Trading Authorization terminal 302 is waken up, and other waitings apart from transaction initiating terminal 301 farther out are traded operation Trading Authorization terminal 302 be not waken up temporarily；By the set of frequency of second frequency signal be Bluetooth communication used by communicate The frequency of signal, it is ensured that the data communication quality and stably between Trading Authorization terminal 302 and transaction initiating terminal 301 Property；The identification information and user that background server 303 is returned by the N number of Trading Authorization terminal 302 being waken up are sent out in transaction The subscriber authentication information that terminal 301 inputs is played, come in determine to merchandise initiating terminal 301 and N number of Trading Authorization terminal 302 Which Trading Authorization terminal 302 is traded operation, can avoid being traded the Trading Authorization terminal 302 of operation with Transaction initiating terminal 301 is traded operation；The number to be verified sent by background server 303 to Trading Authorization terminal 302 It according to being verified, can prevent illegal molecule from distorting Transaction Information, ensure transaction initiating terminal 301 and Trading Authorization terminal 302 The security of transaction.Compared with prior art, said system need not ensure Trading Authorization terminal 302 and transaction initiating terminal 301 Contact direction, position or speed whether correctly with properly, only need to make Trading Authorization terminal 302 positioned at transaction initiating terminal 301 In the first frequency signal cover of broadcast, you can transactional operation is completed, it is user-friendly.

Any process or method described otherwise above description in flow chart or herein is construed as, and represents to include Module, fragment or the portion of the code of the executable instruction of one or more the step of being used to realize specific logical function or process Point, and the scope of the preferred embodiment of the present invention includes other realization, wherein can not press shown or discuss 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, software that multiple steps or method can be performed in memory and by suitable instruction execution system 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, have suitable combinational logic gate circuit application specific integrated circuit, programmable gate array (PGA), scene Programmable gate array (FPGA) etc..

Those skilled in the art are appreciated that to realize all or part of step that above-described embodiment method carries Suddenly it is that by program the hardware of correlation can be instructed 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 present 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, can also be realized in the form of software function module.The integrated module is such as Fruit is realized 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 specific features, structure, material or the spy for combining the embodiment or example description Point is contained at least one embodiment or example of the present invention.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

A kind of 1. transaction authorisation method, it is characterised in that including：

Initiating terminal of merchandising broadcasts first frequency signal, wherein, the first frequency signal is used to wake up positioned at the described first frequency Trading Authorization terminal in rate signal cover, the frequency of the first frequency signal is the communication employed in NFC communication The frequency of signal, the minimum vertex-covering radius of the first frequency signal is 1 meter；

Trading Authorization terminal in the first frequency signal cover detects whether to receive the first frequency letter Number；

The N number of Trading Authorization terminal for receiving the first frequency signal is waken up, wherein, N is positive integer；

N number of Trading Authorization terminal, which is each sent, to be carried the second frequency signal of self identification information to the transaction and initiates Terminal, wherein, the Trading Authorization terminal and the transaction initiating terminal that the second frequency signal is used for after described be waken up it Between communication, the frequency of the second frequency signal is the frequency of signal of communication used by Bluetooth communication；

The transaction initiating terminal receives the second frequency signal that N number of Trading Authorization terminal is each sent, and obtains N number of Identification information；

The transaction initiating terminal obtains the subscriber authentication information of user's input；

The transaction initiating terminal sends the subscriber authentication information and N number of identification information to background server；

The background server determines target identification information from N number of identification information, and sends the target identification information To the transaction initiating terminal, wherein, the target identification information and the subscriber authentication information match；

The transaction initiating terminal receives the target identification information, and sends and carry the of the subscriber authentication information Trading Authorization terminal corresponding to two frequency signals to the target identification information；

The subscriber authentication information of Trading Authorization terminal-pair reception is verified corresponding to the target identification information, if It is verified, then Trading Authorization success；If checking is not by Trading Authorization failure.
A kind of 2. method of commerce, it is characterised in that including：

Initiating terminal of merchandising broadcasts first frequency signal, wherein, the first frequency signal is used to wake up positioned at the described first frequency Trading Authorization terminal in rate signal cover, the frequency of the first frequency signal is the communication employed in NFC communication The frequency of signal, the minimum vertex-covering radius of the first frequency signal is 1 meter；

Trading Authorization terminal in the first frequency signal cover detects whether to receive the first frequency letter Number；

The N number of Trading Authorization terminal for receiving the first frequency signal is waken up, wherein, N is positive integer；

N number of Trading Authorization terminal, which is each sent, to be carried the second frequency signal of self identification information to the transaction and initiates Terminal, wherein, the Trading Authorization terminal and the transaction initiating terminal that the second frequency signal is used for after described be waken up it Between communication, the frequency of the second frequency signal is the frequency of signal of communication used by Bluetooth communication；

The transaction initiating terminal receives the second frequency signal that N number of Trading Authorization terminal is each sent, and obtains N number of Identification information；

The transaction initiating terminal obtains the subscriber authentication information of user's input；

The transaction initiating terminal sends the subscriber authentication information and N number of identification information to background server；

The background server determines target identification information from N number of identification information, and sends the target identification information To the transaction initiating terminal, wherein, the target identification information and the subscriber authentication information match；

The transaction initiating terminal receives the target identification information, and sends and carry the of the subscriber authentication information Trading Authorization terminal corresponding to two frequency signals to the target identification information；

The subscriber authentication information of Trading Authorization terminal-pair reception is verified corresponding to the target identification information, After being verified, obtain Transaction Information, processing carried out to the Transaction Information and generates data to be verified, and send carry it is described The second frequency signal of data to be verified is to the transaction initiating terminal；

The transaction initiating terminal receives the data to be verified, and by the data to be verified and the Transaction Information send to The background server；

The background server is verified to the data to be verified, and after being verified, is held according to the Transaction Information Row transaction；

Wherein, after the transaction initiating terminal receives the target identification information, in addition to：

The transaction initiating terminal, which is sent, carries the second frequency signal of the Transaction Information to the target identification information pair The Trading Authorization terminal answered.
3. method according to claim 1 or 2, it is characterised in that the N number of transaction for receiving the first frequency signal is awarded The implementation method that any one Trading Authorization terminal in power terminal is waken up, including：

The Trading Authorization terminal for receiving the first frequency signal determines that the first frequency signal carries wake-up feature letter Breath, the Trading Authorization terminal are waken up.
4. according to the method described in any one of claims 1 to 3, it is characterised in that the background server is in the following manner Target identification information is determined from N number of identification information：

The background server is in the identification information and authentication information being locally stored according to identification information and authentication The corresponding relation of information searches N number of each self-corresponding authentication information of identification information, obtains N number of authentication information, The target identities checking information with the subscriber authentication information match is determined in N number of authentication information, will Identification information is as target identification information corresponding to the target identities checking information；

Or the background server in the identification information and authentication information being locally stored according to identification information and identity The corresponding relation of checking information searches identification information corresponding to the subscriber authentication information, in N number of identification information Determine target identification information, target identification information identification information corresponding with the subscriber authentication information found out Match.
5. according to the method described in any one of Claims 1-4, it is characterised in that merchandised corresponding to the target identification information Authorization terminal verifies to the subscriber authentication information of reception, including：

Trading Authorization terminal corresponding to the target identification information judges the subscriber authentication information received and default body Whether part checking information matches, if matching, is verified, otherwise verifies and do not pass through.
A kind of 6. transaction authorisation system, it is characterised in that including：

Merchandise initiating terminal, for broadcasting first frequency signal, wherein, the first frequency signal is used to wake up positioned at described the Trading Authorization terminal in one frequency signal coverage, the frequency of the first frequency signal is employed in NFC communication The frequency of signal of communication, the minimum vertex-covering radius of the first frequency signal is 1 meter；

N number of Trading Authorization terminal, for detecting whether receiving the first frequency signal；And according to described first received Frequency signal is waken up, and is each sent and is carried the second frequency signal of self identification information to the transaction initiating terminal；Its In, the second frequency signal is for logical between the Trading Authorization terminal after described be waken up and the transaction initiating terminal Letter, the frequency of the second frequency signal are the frequency of signal of communication used by Bluetooth communication, and N is positive integer；

The transaction initiating terminal, it is additionally operable to receive the second frequency signal that N number of Trading Authorization terminal is each sent, Obtain N number of identification information, obtain the subscriber authentication information of user's input, and by the subscriber authentication information and described N number of identification information is sent to background server；

The background server, for determining target identification information from N number of identification information, and send the target identification Information to the transaction initiating terminal, wherein, the target identification information and the subscriber authentication information match；

The transaction initiating terminal, it is additionally operable to receive the target identification information, and sends and carry the subscriber authentication Trading Authorization terminal corresponding to the second frequency signal to the target identification information of information；

Trading Authorization terminal corresponding to the target identification information, for testing the subscriber authentication information of reception Card, if being verified, Trading Authorization success；If checking is not by Trading Authorization failure.
A kind of 7. transaction system, it is characterised in that including：

Merchandise initiating terminal, for broadcasting first frequency signal, wherein, the first frequency signal is used to wake up positioned at described the Trading Authorization terminal in one frequency signal coverage, the frequency of the first frequency signal is employed in NFC communication The frequency of signal of communication, the minimum vertex-covering radius of the first frequency signal is 1 meter；

N number of Trading Authorization terminal, for detecting whether receiving the first frequency signal；And according to described first received Frequency signal is waken up, and is each sent and is carried the second frequency signal of self identification information to the transaction initiating terminal；Its In, the second frequency signal is for logical between the Trading Authorization terminal after described be waken up and the transaction initiating terminal Letter, the frequency of the second frequency signal are the frequency of signal of communication used by Bluetooth communication, and N is positive integer；

The transaction initiating terminal, it is additionally operable to receive the second frequency signal that N number of Trading Authorization terminal is each sent, Obtain N number of identification information, obtain the subscriber authentication information of user's input, and by the subscriber authentication information and described N number of identification information is sent to background server；

The background server, for determining target identification information from N number of identification information, and send the target identification Information to the transaction initiating terminal, wherein, the target identification information and the subscriber authentication information match；

The transaction initiating terminal, it is additionally operable to receive the target identification information, and sends and carry the subscriber authentication Trading Authorization terminal corresponding to the second frequency signal to the target identification information of information；

Trading Authorization terminal corresponding to the target identification information, for testing the subscriber authentication information of reception Card, if being verified, obtains Transaction Information, and processing is carried out to the Transaction Information and generates data to be verified, and sends carrying There is the second frequency signals of the data to be verified to the transaction initiating terminal；

The transaction initiating terminal, it is additionally operable to receive the data to be verified, and the data to be verified and the transaction is believed Breath is sent to the background server；

The background server, it is additionally operable to verify the data to be verified, and after being verified, according to the transaction Information performs transaction；

The transaction initiating terminal, it is additionally operable to after the identification information of the matching is received, transmission carries the transaction letter Trading Authorization terminal corresponding to the second frequency signal to the target identification information of breath.
8. the system according to claim 6 or 7, it is characterised in that：Any transaction in N number of Trading Authorization terminal is awarded Terminal is weighed, wake-up characteristic information is carried specifically for the first frequency signal for determining to receive, and according to the wake-up Characteristic information is waken up.
9. according to the system described in any one of claim 6 to 8, it is characterised in that the background server is in the following manner Target identification information is determined from N number of identification information：

According to identification information and the corresponding relation of authentication information in the identification information and authentication information being locally stored Each self-corresponding authentication information of N number of identification information is searched, obtains N number of authentication information, is tested in N number of identity The target identities checking information determined in information with the subscriber authentication information match is demonstrate,proved, the target identities are verified Identification information is as target identification information corresponding to information；

It is or corresponding with authentication information according to identification information in the identification information and authentication information being locally stored Relation searches identification information corresponding to the subscriber authentication information, and target identification letter is determined in N number of identification information Breath, target identification information identification information corresponding with the subscriber authentication information found out match.
10. according to the system described in any one of claim 6 to 9, it is characterised in that merchandised corresponding to the target identification information Authorization terminal is verified to the subscriber authentication information of reception in the following manner：

Whether the subscriber authentication information for judging to receive matches with default authentication information, if matching, checking is logical Cross, otherwise verify and do not pass through.