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CN103268547A - NFC (Near Field Communication) mobile phone payment system with fingerprint authentication mechanism - Google Patents

NFC (Near Field Communication) mobile phone payment system with fingerprint authentication mechanism Download PDF

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Publication number
CN103268547A
CN103268547A CN2013102192660A CN201310219266A CN103268547A CN 103268547 A CN103268547 A CN 103268547A CN 2013102192660 A CN2013102192660 A CN 2013102192660A CN 201310219266 A CN201310219266 A CN 201310219266A CN 103268547 A CN103268547 A CN 103268547A
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China
Prior art keywords
mobile phone
finger print
nfc
fingerprint
payment
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Pending
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CN2013102192660A
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Chinese (zh)
Inventor
仝怡
赵振民
路兆铭
王刚
雷涛
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Beijing University of Posts and Telecommunications
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Beijing University of Posts and Telecommunications
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Application filed by Beijing University of Posts and Telecommunications filed Critical Beijing University of Posts and Telecommunications
Priority to CN2013102192660A priority Critical patent/CN103268547A/en
Publication of CN103268547A publication Critical patent/CN103268547A/en
Pending legal-status Critical Current

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Abstract

The invention relates to a mobile terminal payment system with an NFC (Near Field Communication) module and a security protection mechanism based on fingerprint authentication. The NFC mobile phone payment system comprises a mobile payment terminal and payment method supporting an NFC technology, a fingerprint authentication system based on the mobile phone and a background traction system, wherein the terminal mobile phone comprises an NFC module and a fingerprint authentication module, i.e., a chip with a fingerprint authentication function; the security protection mechanism comprises a security authentication passage among a server, the transaction system and the terminal. The NFC mobile phone payment system with the fingerprint authentication mechanism adopts a fingerprint authentication way and does not use the conventional username password, so that the security and convenience practicability are higher. Compared with the existing NFC mobile phone payment technology, the NFC mobile phone payment system with the fingerprint authentication mechanism has the advantages that the fingerprint payment system is a brand-new payment mode with higher security and convenience practicality; and the fingerprint of each user is unique due to the identity uniqueness, so that the economic loss of the bank or people is avoided as the mobile phone is different from a bankcard which can be easily stolen by others to consume.

Description

NFC hand call payment system with finger print identifying mechanism
Technical field
The invention belongs to payment technology field, near field, increase the biological nature security authentication mechanism, use a mobile phone that has NFC module and fingerprint examination chip, carry out the method that validation-cross can be realized paying preceding authentication, near field payment and confirm to finish payment with background server.
Background technology
In recent years, flourish along with smart mobile phone and mobile Internet also driven the generation of a collection of mobile phone new technology, and cloud service, bore hole 3D, NFC are the nearest 2 years new technology nouns that come into vogue.Especially NFC often can be mentioned at some medium magazines, television advertising language, and more current such as also all having carried the NFC technology on Samsung GALAXY Note II, the high-end products such as HTC One X, the Lumia920 of Nokia.Standard N FC has " reader ", " snap gauge plan " and " point-to-point transmission " three kinds of patterns, relatively more popular in recent years mobile-phone payment business just belongs to " snap gauge plan " pattern, NFC " snap gauge plan " is equivalent to a storer that is embedded in the mobile phone, after bank card, mass transit card, member card, gate inhibition's cards etc. that will have a NFC chip match, be stored in and wait at any time in the intelligent chip of NFC and calling, and do not interfere with one another.The NFC technology has just become mobile phone a transportation card and bank card like this, and your mobile phone can be consumed as brush mass transit card and bank card " brush ".
NFC is Near Field Communication abbreviation, i.e. near field communication (NFC).A kind of contactless identification and interconnection technique by PHILIPS Co. and Sony are developed jointly can carry out wireless near field communication at mobile device, consumer electronics product, PC and smart control Tool Room.NFC provides a kind of solution of simple, touch, can allow consumer's simple, intuitive ground exchange message, accessed content and service.
NFC technology principal character is as follows:
(1) is used for the closely wireless communication technology of (in the 10cm) secure communication.
(2) data rate: 106kbit/s, 212kbit/s, 424kbit/s.
(3) rf frequency: 13.56MHZ.
(4) radio frequency compatibility: ISO14443, ISO15693, Felica(contact type intelligent card) standard.
Finger print mobile phones: finger print mobile phones is to insert the fingerprint collecting chip at existing cell phone mainboard, in the primary control program of mobile phone, increase the fingerprint recognition processing module, thereby can enough gather user's fingerprint, and identified, to reach some control to mobile phone operation, perhaps provide the fingerprint identity validation function for some mobile service.From first release finger print mobile phones of Siemens in 1998, the F505i finger print mobile phones of the LP3550 finger print mobile phones of the F900i finger print mobile phones of FUJISTU, LG, NTT till now, and the CoolPad 858F finger print mobile phones of SAMSUNG, domestic cell phone manufacturer space dragon, as seen it has been a comparatively ripe commercial product.
Mostly existing safety certification at NFC mobile-phone payment function is to adopt based on the cryptographic algorithm of cryptographic technique or the real name verification of binding with terminal sim card; though these two kinds of methods provide certain security and protectiveness for mobile-phone payment; but also exist many defectives; as: the former is faced with the problem that interface is difficult to unified ciphertext storage; the latter exists when lost mobile phone, by the consequence of random " swiping the card " consumption.
Summary of the invention
Problem to be solved by this invention is the not enough defective of safety certification that overcomes existing NFC mobile-phone payment function, proposes the integrated NFC payment of mobile phone and fingerprint authentication module and sensor, becomes combination, improves the convenient and security of user's payment.
In order to solve the problems of the technologies described above, the invention provides a kind of mobile phone terminal, comprising: NFC module and fingerprint collecting chip.Wherein, the NFC mobile phone has been a comparatively proven technique, and finger print mobile phones also is at the product of commercialization, but the two still be a worth product of expecting in conjunction with product.
Further, described mobile phone terminal also includes an external touch pad of gathering fingerprint, and its effect is equivalent to a sensor, gathers finger print information.
Further, when the user uses this function for the first time, should first initialization typing finger print information, treat the terminal notifying success after, can use this function.
Further, this mobile phone fingerprint authentication module comprises an inherent finger print information analysis chip, is used for the information coding encrypting that collects.
Further, in three kinds of use patterns of mobile phone NFC, use " reading card " mode activation event, after namely mobile phone is opened the NFC function, touch commodity NFC payment label.
In order to realize secure payment, the present invention also provides a kind of mobile payment Secure Application based on mobile phone, is used for alternately with far-end server, and whether verification is reserved in the finger print information of user in the server true, if truely then can enable the NFC payment function.
Further, the effect of this application is equivalent to the tie of a security authentication mechanism and payment transaction, is responsible for interactive authentication information and determines whether to carry out transaction according to the information that server feedback is returned.
Further, this application program and embedded in mobile phone finger print information analysis chip are by mobile phone internal bus communications and transmission signal, and application program is by the order of mobile phone port transmission.
Further, between NFC module and the fingerprint chip without the need for interface, the indirect connection that the connecting moves between the two authenticates by the third party, namely this mobile-phone payment is used.
In order to ensure security in many ways, this invention also provides a kind of security certification system and mechanism, and it comprises: mobile phones payment terminal, initial information server, financial transaction server.The three constitutes three big modules of security certification system framework, and is indispensable.Wherein mobile phones payment terminal comprises: the fingerprint collecting sensor exists for entry information on the mobile phone surface; Finger print information is resolved encryption chip, is used for the characteristic information of the information that takes the fingerprint, and according to specific cryptographic algorithm, encrypts finger print information, even the security that makes finger print information have to be stolen in transport process and can not to be resolved fully; The initial information server comprises three functional modules, act as respectively: separate the finger print information of code encryption, adopt the inversion algorithm of mobile phone inside chip cryptographic algorithm, accurate Analysis finger print information, characteristic information extraction; The user fingerprints characteristic information that prestores, after the user determined to activate the service, the finger print information by registering oneself was as the foundation of authentication, this information and characteristic information coupling; The finger print information that contrast transmits in prestoring and conclude the business and applying for, this functional module is equivalent to a determining device, after judging judged result is fed back to the mobile phone secure payment and uses.
Further, when the user opens the NFC payment transaction of finger print identifying, reserve finger print information in bank, banking system is in this information integrated stored data base that advances the initial information server, calling at any time when aspect checking request arrives.
Further, the route path that the user fingerprints information of encryption can select the GPRS data traffic business that provides based on mobile phone operators also to produce during the optionally connected WIFI of going into when transmitting sends data to the initial information server through these two kinds of communication modes.
Further, the mobile phone terminal application program offers user's right to choose, when the user wants to stop transaction, selects the termination option in the application program can jump out service.
Further, when the finger print information after comparing is not inconsistent, after application program receives this prompting, eject the option of whether verifying finger print information again, when still being failure three times, program sends locked transaction information to the bank transaction server, stops this user's transaction.
As seen, the described NFC finger print identifying modes of payments is the secure modes of payments of a kind of safety, be the whole new set of applications that regular handset NFC function is combined with fingerprint mobile payment security mechanism, have only the registrant just can complete successfully a whole set of transaction, so namely realized real secure payment mechanism.
Description of drawings
Be used in being included in further understanding of the present invention being provided and being included in the application and a part that constitutes application, concrete enforcement of the present invention be described and explain the present invention, among the figure:
Fig. 1: finger print identifying mechanism NFC mobile-phone payment flow process
Fig. 2: finger print identifying implementation framework
Embodiment
For technical characterictic of the present invention is become apparent, below in conjunction with legend, the present invention is further elaborated.Please refer to Fig. 1, it is finger print identifying mobile phone NFC payment flow figure of the present invention, hereinafter is the step explanation of whole payment flow refinement.
Step 1. user and corporate finance mechanism reach an agreement and open mobile phone fingerprint payment transaction, and reserve finger print information and give financial institution, by the keeping of initial information server.
Step 2. is used " reading card " pattern in the mobile phone NFC function, and the realization event activation is collided with payment smart card or the label that banking institution unites release in mobile phone NFC zone and businessman.
Step 3. mobile phone this moment is opened the secure payment application program after activating.
Jump out and whether carry out the fingerprint authentication option, if the user determines payment then to proceed checking, if think the Halfway Stopping action, then refuse this request.
Step 4. then is placed on finger mobile phone fingerprint collecting zone if the user proceeds payment.
Step 5. mobile phone sensor imports the finger print information of collecting into the fingerprint authentication chip by bus.
Resolve to user characteristic data after step 6. fingerprint authentication chip extracts finger print information and carry out coding encrypting again.
After step 7. was encrypted and finished, chip returned to the handset processes device by circuit, and processor returns information to application program by interface.
Step 8. application program selects one of the two approach that finger print information is passed to the initial information server by communication network or wireless network.
Step 9. server is decoded finger print information, extracts the user fingerprints characteristic information.
User fingerprints data after step 10. server will extract and the initial fingerprint information of storage are compared.
If step 11. illustrates the authentication failure inconsistent, and server passback failure information is used to mobile phone, and transaction authentication stops.
If step 12. is consistent, and passback is proved to be successful information and gives application program of mobile phone.
Whether step 13. mobile phone Application Hints carries out next step, and the user confirms back execution transaction.
When step 14. payment continues, use to send and continue instruction to the financial settlement trading server, server is handled.
After step 15. Transaction Success, server sends successful information to mobile phone.
Step 16. transaction is finished.
Please refer to Fig. 2. it is finger print identifying security system frame diagram of the present invention, by modular functional structure, helps further understand security authentication mechanism of the present invention.
According to Module Division from large to small, the Secure Transaction System Framework that the present invention relates to is divided into user profile authentication module and financial transaction module.Wherein, Secure Transaction authentication system is divided into mobile phone terminal and initial information server two big functions realize entity.The mobile phone terminal authentication is by application program and user interactions, and user fingerprints information is collected and sent to the inner finger print information of mobile phone and resolves encryption chip by mobile phone finger print information sensor.After chip is finished encryption, application program contact bank end finger print identifying server, the user fingerprints characteristic information is sent to the module of bank decoder finger print information, after going out the user fingerprints information extraction, this module sends the server of the user fingerprints initial information that prestores to, whether true contrast verification decision device compare the two and make judgement, and judged result is returned to application program of mobile phone.

Claims (10)

1. the mobile terminal payment system with NFC module is characterized in that, comprising:
A mobile phone terminal of supporting NFC near-field communication function is by the function realization mobile payment of integrated induction formula card reader, induction type card and point-to-point communication on one chip;
Mobile phone secure payment application program, be responsible for financial settlement server etc. mutual, checking and secure transaction;
The financial settlement server is licensed by financial institution, handles transaction in real time.
2. mobile terminal payment system according to claim 1 is characterized in that, supports movability anytime anywhere, and the commodity of all support NFC payments all can be used as its trading object.
3. mobile terminal payment system according to claim 1, it is characterized in that, the mobile phone secure payment is used and is responsible for the finger print information that mutual mobile phone fingerprint recognition chip collects, comprise the authorization information that the information that will receive is sent to bank's backstage initial information database and accepts to be returned by the initial information database.
4. mobile terminal payment system according to claim 1 is characterized in that, the financial settlement server is enjoyed it by bank and authorized, and by accepting the authorization information that Secure Application transmits, namely the signaling of activating sale is concluded the business thereby handle.
5. based on the safety protecting mechanism of finger print identifying, it is characterized in that, comprising:
Mobile phone terminal with fingerprint detection function, by embedded fingerprint extraction chip, the analysis finger print data is also decoded, and sends its data to mobile phone and uses;
Article one, the fingerprint authentication path is made up of fingerprint collecting chip, signal distribution link, financial institution's initial information server.
6. the safety protecting mechanism based on finger print identifying according to claim 5 is characterized in that, the finger print identifying terminal has communication function, i.e. mobile phone terminal, but it has the transmission of multinomial communication link guarantee information.
7. the safety protecting mechanism based on finger print identifying according to claim 5 is characterized in that, the finger print identifying terminal has a fingerprint induction fingerboard, can be set on the mobile phone or a peripheral hardware as camera, is connected with mobile phone by connecting the USB transmission line.
8. the safety protecting mechanism based on finger print identifying according to claim 5 is characterized in that, through decoded information signal transmission link, can be based on the traffic transport of communication network, also can be that mobile phone is connected into the route path that constitutes behind the wifi.
9. the safety protecting mechanism based on finger print identifying according to claim 5 is characterized in that, the initialization information server stores has user's finger print information, and this information lost efficacy when the user stops business when the user agrees to pre-deposit when activating the service.
10. the safety protecting mechanism based on finger print identifying according to claim 5 is characterized in that, the fingerprint characteristic data of the respective user of storage authenticates user identity in more described finger print information data and the fingerprint payment authentication service end.
CN2013102192660A 2013-06-04 2013-06-04 NFC (Near Field Communication) mobile phone payment system with fingerprint authentication mechanism Pending CN103268547A (en)

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CN103679453A (en) * 2013-12-06 2014-03-26 金硕澳门离岸商业服务有限公司 Payment system and payment method based on biometric authentication
CN103679459A (en) * 2013-12-10 2014-03-26 阮桂芳 Secure network transaction method
CN104021474A (en) * 2014-06-20 2014-09-03 深圳市中兴移动通信有限公司 Method, device and system for improving mobile payment security
WO2015039568A1 (en) * 2013-09-18 2015-03-26 Tencent Technology (Shenzhen) Company Limited Method and system for providing authorization by using mobile terminal
WO2015058709A1 (en) * 2013-10-25 2015-04-30 Tencent Technology (Shenzhen) Company Limited Secured payment method and relevant device and system
CN104751360A (en) * 2013-12-26 2015-07-01 上海方付通商务服务有限公司 Mobile equipment, system and method for carrying out banking business transaction on the basis of palmprint recognition
CN104881779A (en) * 2015-06-17 2015-09-02 恒宝股份有限公司 Device, system, and method for mobile convergence payment
CN104915832A (en) * 2015-06-25 2015-09-16 中国工商银行股份有限公司 Mobile payment and verification method, device thereof and system thereof
CN105488674A (en) * 2014-09-26 2016-04-13 苏州海博智能系统有限公司 Method and system for carrying out secure transaction by using wireless security device, and server
CN105684009A (en) * 2013-11-04 2016-06-15 苹果公司 Using biometric authentication for NFC-based payments
CN105764163A (en) * 2014-12-03 2016-07-13 晶钛国际电子股份有限公司 Electronic device
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CN107025561A (en) * 2017-03-24 2017-08-08 广东工业大学 A kind of payment system based on fingerprint recognition
CN107203884A (en) * 2017-04-21 2017-09-26 南艳子 Realize the storage medium and mobile terminal of mobile Internet secure payment
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CN110490578A (en) * 2018-05-14 2019-11-22 天津科技大学 NFC safety payment system based on LabVIEW and fingerprint recognition
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WO2015039568A1 (en) * 2013-09-18 2015-03-26 Tencent Technology (Shenzhen) Company Limited Method and system for providing authorization by using mobile terminal
WO2015058709A1 (en) * 2013-10-25 2015-04-30 Tencent Technology (Shenzhen) Company Limited Secured payment method and relevant device and system
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CN104751360A (en) * 2013-12-26 2015-07-01 上海方付通商务服务有限公司 Mobile equipment, system and method for carrying out banking business transaction on the basis of palmprint recognition
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CN104915832A (en) * 2015-06-25 2015-09-16 中国工商银行股份有限公司 Mobile payment and verification method, device thereof and system thereof
CN105894272A (en) * 2016-04-05 2016-08-24 南昌大学 Bus instant payment method and payment, recharge and query system based on mobile phone APP
WO2017185926A1 (en) * 2016-04-27 2017-11-02 中国银联股份有限公司 Mobile payment method and apparatus
CN107025561A (en) * 2017-03-24 2017-08-08 广东工业大学 A kind of payment system based on fingerprint recognition
CN107203884A (en) * 2017-04-21 2017-09-26 南艳子 Realize the storage medium and mobile terminal of mobile Internet secure payment
CN107730251A (en) * 2017-09-28 2018-02-23 山西特信环宇信息技术有限公司 Cash in banks electronics based on biological identification technology draws system and operating method
CN110490578A (en) * 2018-05-14 2019-11-22 天津科技大学 NFC safety payment system based on LabVIEW and fingerprint recognition

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Application publication date: 20130828