CN104463576A - NFC mobile payment communication method based on online payment - Google Patents
NFC mobile payment communication method based on online payment Download PDFInfo
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- CN104463576A CN104463576A CN201410698344.4A CN201410698344A CN104463576A CN 104463576 A CN104463576 A CN 104463576A CN 201410698344 A CN201410698344 A CN 201410698344A CN 104463576 A CN104463576 A CN 104463576A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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Abstract
The invention provides an NFC mobile payment communication method based on online payment. By means of the method, a payer conducts payment with a receiving party collection terminal through a handheld mobile terminal with online payment mechanism authentication, and both the mobile terminal and the collection terminal are provided with NFC modules. The payment process includes the steps that an order is generated, the order is sent to the mobile terminal, the mobile terminal conducts online payment, and the payment is finished, wherein when the order is sent to the mobile terminal, a secret key form of an asymmetric algorithm is adopted to guarantee communication safety. By the adoption of the NFC mobile payment method, the payment process is convenient to conduct, the required cooperation parties are less, reform to existing systems and devices is less, the cost is low, and application and popularization are facilitated.
Description
Technical field
The present invention relates to the communications field of payment and settlement, the communications field that particularly under line, consumption and mobile payment combine is a kind of communication means of the NFC mobile payment based on line pays.
Background technology
Along with the development communication technologies such as internet are increasingly mature, line pays and has become one of important daily means of payment of people.In more nearest years, the universal and renewal speed of Intelligent mobile equipment is explosive growing trend, so mobile payment has been expressed great expectation by people.There is numerous mobile payment modes at present, as NFC pays, Quick Response Code pays, and sound wave pays, photon payment etc.Wherein NFC payment technology is proposed the earliest, is also one of mobile payment mode using most convenient.NFC pays and refers to that consumer is when buying commodity or service, and immediately adopting NFC technique (Near Field Communication) to complete payment by handheld devices such as mobile phones, is emerging a kind of mobile payment mode.The process paid is carried out at the scene, and online under carry out, do not need to use mobile network, but use NFC radio-frequency channel to realize the local communication with the equipment such as POS cashing machine or automatic vending machine.NFC close range wireless communication is the mainstream technology that near field pays, and it is a kind of short-range high frequency wireless communication technique, allows to carry out contactless Point-to-Point Data Transmission between electronic equipment and exchanges data.This modes of payments make consumer and businessman carry out paying more convenient.
But NFC pays and slowly can not get applying widely.Study carefully its main reason, traditional NFC modes of payments--i.e. the simulated intelligence mode card of NFC, needs to comprise a hardware security module (SE) in mobile terminal.Too many interests entity is involved to the management and of this hardware security module, as bank card card issuer, mobile operator, TSM platform management side, mobile terminal manufacturer, application provider, acquirer etc.Because each side all thinks the control that can strengthen oneself in NFC pays, compromise very little, cause producing a unification so far and the collaborative program of each side's conviction.
Summary of the invention
The object of the invention is the simulated intelligence mode card in order to solve traditional NFC, need in mobile terminal, to comprise a hardware security module (SE) and cause NFC to pay the deficiency that slowly can not get applying widely, a kind of communication means based on the NFC mobile payment that line pays that also can carry out safely NFC payment without the need to hardware security module (SE) is provided.
Technical scheme of the present invention is: a kind of communication means of the NFC mobile payment based on line pays, realize payer by paying between the mobile terminal of the wired upper payment mechanism certification of handpiece and take over party's cash receiving terminal, described mobile terminal and cash receiving terminal all have NFC module, and payment process comprises:
S1, cash receiving terminal generate order;
Order is utilized the communication between NFC module realization with mobile terminal by S2, cash receiving terminal, and sends order to mobile terminal;
S3, mobile terminal receive sequence information, utilize payment mechanism on line to realize the payment of order account;
S4, notice cash receiving terminal complete payment, and cash receiving terminal has confirmed payment;
Described step S2 comprises:
S201, set up NFC communication between mobile terminal and cash receiving terminal;
S202, cash receiving terminal transmit cash receiving terminal PKI and signature to mobile terminal;
S203, mobile terminal verification cash receiving terminal PKI and signature, generate and send process key to cash receiving terminal;
S204, cash receiving terminal receiving course key, send to mobile terminal after forming the order messages of encryption to order encryption;
After S205, mobile terminal receive the order messages of encryption, after utilizing process key to decipher, obtain order.
In the present invention, NFC method of mobile payment only need mobile terminal support NFC communication, and acquirer is upgraded its merchant tenninal pay nfc communication, and on line payment mechanism without the need to revising its payment gateway interface system.Use NFC method of mobile payment of the present invention, payment process is convenient, and the partner of needs is few, and few to the transformation of existing system and equipment, cost is low, is conducive to implementing and promoting.
Below in conjunction with specific embodiment, the present invention is described in more detail.
Accompanying drawing explanation
Fig. 1 is overall flow figure of the present invention.
Fig. 2 uses merchant tenninal to generate order method flow diagram.
Fig. 3 uses acquisition for mobile terminal order method flow diagram.
Fig. 4 uses mobile terminal payment order and prints sales slip process flow diagram.
Embodiment
As shown in figures 1 and 3, the present embodiment is a kind of communication means of the NFC mobile payment based on line pays, realize payer by paying between the mobile terminal of the wired upper payment mechanism certification of handpiece and take over party's cash receiving terminal, described mobile terminal and cash receiving terminal all have NFC module, and payment process comprises.
S1, cash receiving terminal generate order.
Order is utilized the communication between NFC module realization with mobile terminal by S2, cash receiving terminal, and sends order to mobile terminal.Comprise:
S201, set up NFC communication between mobile terminal and cash receiving terminal.
S202, cash receiving terminal transmit cash receiving terminal PKI and signature to mobile terminal.
S203, mobile terminal verification cash receiving terminal PKI and signature, generate and send process key to cash receiving terminal.
S204, cash receiving terminal receiving course key, send to mobile terminal after forming the order messages of encryption to order encryption.
After S205, mobile terminal receive the order messages of encryption, after utilizing process key to decipher, obtain order.
S3, mobile terminal receive sequence information, utilize payment mechanism on line to realize the payment of order account.
S4, notice cash receiving terminal complete payment, and cash receiving terminal has confirmed payment.
In the present embodiment, provide a kind of communication means without the need to the New n fc mobile payment mode of hardware security module (SE), i.e. a kind of P2P pattern using NFC, and line pays the mobile payment mode combined.Complete consumer by hand-held mobile terminal as the payment between mobile phone etc. and the POS of trade company by which, consumer realizes line pays by the lines such as the Alipay on mobile phone or Mobile banking paying payment mechanism on the lines such as application or Net silver.
Acquirer deposits the public and private key of a pair asymmetric arithmetic in trade company's POS, and uses private key certificate to sign to POS PKI by the third-party institution.Mobile phone uses third-party institution's public key verifications POS public key signature namely to ensure POS secure and trusted.Mobile phone and POS are provided with NFC module.
The communication use procedure key of mobile phone and POS is encrypted.This process key is generated by mobile phone, and uses POS public key encryption to be transferred to POS, ensures the communication security of mobile phone and POS.
The mobile phone that POS is this consumer provides unique session id, and uses the process key of mobile phone to generate identifying code to session id, with the mobile phone of this identifying code mark consumer.Mobile phone provides identifying code to POS, judges the authenticity of mobile phone.
The present embodiment is realized by following steps based on the nfc mobile payment communication means that line pays:
1) cashier inputs dealing money in POS, the modes of payments on the line that inquiry consumer chooses, and consumer promises to use the modes of payments on line, and illustrates that on its line used, payment mechanism is Alipay.
2), on the line determining consumer after the modes of payments, POS requires to send order request to Alipay service centre according to the payment interface of Alipay.Alipay service centre generates order after receiving order request, and order messages is returned to POS.Can have two kinds of communication modes between POS and Alipay service centre, one is that two is that merchant tenninal payment mechanism on the background system connecting line of acquirer communicates directly by internet communication.
3) consumer opens the NFC function of mobile phone, and opens mobile terminal App, and now mobile phone is in NFC initiatively connection status.Consumer, the NFC antenna place of mobile phone near POS, sets up NFC P2P with POS and is connected.
4) after NFC P2P connection establishment, POS is it and this appointment session id that communicates of mobile phone A pp immediately, and this session id is for distinguishing the order of different mobile terminal App.
5) after NFC P2P connection establishment, first POS and mobile phone A pp decide through consultation a process key, and this key to be used for after encipherment protection communication between the two.
6) POS sends to mobile phone A pp the sequence information got in step 2 through NFC communication, then disconnects NFC and connects.
7) mobile phone A pp receives the payment interface that sequence information jumps to order, and consumer pays the page at order and completes account authentication, as input payment cipher, input mobile terminal identifying code.
8) consumer is in mobile phone A pp after pay invoice success, and Alipay service centre sends order and pays success notification to merchant tenninal or acquirer.
9) last, consumer again near merchant tenninal, and again sets up mobile phone mobile terminal and is connected with the NFC P2P of merchant tenninal.
10) mobile phone A pp provides the session id paying successful order to merchant tenninal, and whether merchant tenninal is inquired about this order and paid successfully, if success, then prints sales slip.
11) consumer signs on sales slip, completes whole flow processs of consumer sale.
Here is payment process on a kind of general line.
As shown in Figure 1, the NFC method of mobile payment of the embodiment of the present invention can be analyzed to 4 steps: 1, use merchant tenninal to generate order (1); 2, acquisition for mobile terminal order (2) is used; 3, mobile terminal payment order (3) is used; 4, sales slip sign (4) are printed.
As shown in Figure 2, use the detailed step of merchant tenninal generation order as follows
1) cashier inputs dealing money (5) in merchant tenninal
2) modes of payments on line (6) is selected in merchant tenninal after cashier asks consumer
3) cashier triggers the generation order operation (7) of merchant tenninal
4) merchant tenninal is according to the code requirement of the modes of payments on aforementioned selected line, structure order request message (8)
5) merchant tenninal is to payment mechanism on the corresponding line of the modes of payments on aforementioned selected line, sends the order request message (9) constructed
6) on line, payment mechanism receives the order request message of merchant tenninal, for this order request generates a new order, then new order information is returned to merchant tenninal (10)
7)merchant tenninal receives (11) after the sequence information that payment mechanism on line returns, and this sequence information is kept at (12) in merchant tenninal, and subsequent step is by this sequence information of use.
As shown in Figure 3, use the detailed step of acquisition for mobile terminal order as follows:
1) consumer opens the NFC function (13) of mobile terminal, and opens mobile terminal App(14), now mobile terminal is in NFC initiatively connection status.
2) consumer is mobile terminal near merchant tenninal (15), and mobile terminal to send message one, its content is " Hello " (16).
3) merchant tenninal receives (17) after " Hello " message, and generate unique session id, to mobile terminal acknowledgement message two, its content at least comprises three parts, and one is session id, and two is merchant tenninal PKIs, and three is merchant tenninal public key signatures.Wherein, merchant tenninal public key signature refers to use third party's private key certificate to sign (18) to merchant tenninal PKI.
4) mobile terminal App receives the message two (19) of merchant tenninal, whether correctly first verifies merchant tenninal PKI.Method of calibration is, uses the signature of third party's public key certificate verification merchant tenninal PKI.
5) then, mobile terminal App generates a process key (20), and uses merchant tenninal public key encryption process key.Mobile terminal App sends message three to merchant tenninal, and message content at least comprises two parts, and one is session id, and two is the process keys using merchant tenninal public key encryption.
6) merchant tenninal receives message three (21), first the process key of merchant tenninal private key pair encryption is used to be decrypted, obtain process key expressly, between merchant tenninal and mobile terminal, use all message communicatings of this session id all to use this process key to be encrypted (22) message afterwards.
7) merchant tenninal is encapsulated into message four (23) sequence information, sends message four to mobile terminal, be sent rear disconnection and be connected (24) with the NFC of mobile terminal after use procedure key encrypts messages four.
8) mobile terminal App receives message four (25), and use procedure secret key decryption message four obtains sequence information expressly.
9), after mobile terminal App gets sequence information, consumer can move away merchant tenninal mobile terminal.
Mobile terminal disconnects and being connected (26) with the NFC of merchant tenninal.
As shown in Figure 4, mobile terminal payment order is used and to print the detailed step of sales slip as follows:
1) consumer opens mobile terminal App pay invoice (27)
2) consumer inputs payment cipher at mobile terminal App, completes payment; On line, payment structure receives the payment request of mobile terminal App, after processing, determines that order pays successfully (28), returns and pays success notification to merchant tenninal (29); Merchant tenninal preserves order status (30)
3) after having paid, consumer mobile terminal again near merchant tenninal (31).
4) mobile terminal App uses NFC P2P mode to reconnect merchant tenninal, and concurrent message five prints sales slip (32) to merchant tenninal request.Message content at least comprises two parts, and one is session id, and two is identifying codes that the computing of use procedure double secret key session id obtains.
5) after merchant tenninal receives message six, first the check code (33) in message six is checked, its method is: find the process key preserved in merchant tenninal according to session id, follow the algorithm identical with mobile terminal App, the computing of use procedure double secret key session id is verified code, if the identifying code calculated is consistent with the identifying code of message six, then verification is passed through.
6) if the check code inspection of previous step is passed through, so merchant tenninal is according to the session id inquiry order whether successful (34) in message six, and prints sales slip (35).
7) consumer signs (36) on sales slip, completes whole flow processs of consumer sale.
Claims (9)
1. the communication means based on the NFC mobile payment that line pays, realize paying between mobile terminal that payer registered by hand-held payment mechanism on line and take over party's cash receiving terminal, described mobile terminal and cash receiving terminal all have NFC module, and payment process comprises:
S1, cash receiving terminal generate order;
S2, cash receiving terminal utilize the communication between NFC module realization with mobile terminal, and cash receiving terminal sends order to mobile terminal;
S3, mobile terminal receive sequence information, utilize payment mechanism on line to realize the payment of order account;
S4, notice cash receiving terminal complete payment, and cash receiving terminal has confirmed payment;
It is characterized in that: described step S2 comprises:
S201, set up NFC communication between mobile terminal and cash receiving terminal;
S202, cash receiving terminal transmit cash receiving terminal PKI and signature to mobile terminal;
S203, mobile terminal verification cash receiving terminal PKI and signature, generate and send process key to cash receiving terminal;
S204, cash receiving terminal receiving course key, send to mobile terminal after forming the sequence information of encryption to order encryption;
After S205, mobile terminal receive the order messages of encryption, after utilizing process key to decipher, obtain order.
2. the communication means of the NFC mobile payment based on line pays according to claim 1, it is characterized in that: acquirer deposits the public and private key of a pair asymmetric arithmetic in cash receiving terminal, and use private key certificate to sign to cash receiving terminal PKI by the third-party institution; Mobile terminal uses third-party institution's public key verifications cash receiving terminal public key signature to ensure merchant tenninal secure and trusted.
3. the communication means of the NFC mobile payment based on line pays according to claim 1, is characterized in that: at least comprise order flowing water, name of firm, dealing money in described order.
4. the communication means of the NFC mobile payment based on line pays according to claim 1, is characterized in that: in described step S1, and cash receiving terminal generates order and comprises:
Cash receiving terminal requires to send payment mechanism in order request to line according to the payment interface of payment mechanism on line;
On line, payment mechanism generates order after receiving order request, and order is returned to cash receiving terminal.
5. the communication means of the NFC mobile payment based on line pays according to claim 4, is characterized in that: the communication mode between cash receiving terminal with payment mechanism on line is that directly by internet or cash receiving terminal, payment mechanism on the background system connecting line of acquirer communicates cash receiving terminal.
6., according to the described communication means based on the NFC mobile payment that line pays arbitrary in claim 1 to 5, it is characterized in that: in described step S4, mobile terminal will complete the message notice of payment to cash receiving terminal by NFC communication mode.
7. according to the described communication means based on the NFC mobile payment that line pays arbitrary in claim 1 to 5, it is characterized in that: in described step S4, on line, payment mechanism is by the message notice cash receiving terminal completing payment or the acquirer communicated with cash receiving terminal.
8. the communication means of the NFC mobile payment based on line pays according to claim 7, it is characterized in that: described cash receiving terminal is also provided with printing device, in described step S4, after cash receiving terminal has received the information of payment, print gathering authority.
9. the communication means of the NFC mobile payment based on line pays according to claim 1, it is characterized in that: when setting up the NFC communication between mobile terminal and cash receiving terminal in described step S201, cash receiving terminal is this appointment session id that communicates with mobile terminal.
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| CN111047325A (en) * | 2018-10-12 | 2020-04-21 | 厦门旭研科技有限责任公司 | Money collection system and method |
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| CN105868980A (en) * | 2016-03-29 | 2016-08-17 | 广东铭鸿数据有限公司 | Payment equipment and payment method based on HCE technology of NFC in standard of ministry of construction |
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