Mobile payment encryption method based on near field communication (NFC)

Abstract

The invention relates to a mobile payment encryption method based on near field communication (NFC). The method comprises the following steps that: a first NFC terminal and a second NFC terminal store real IDs of the first NFC terminal and the second NFC terminal in a trusted service manager respectively, and the trusted service manager stores anonymous identities of the two NFC terminals; during mobile payment, the first NFC terminal and the second NFC terminal make requests of using the anonymous identities of the first NFC terminal and the second NFC terminal to the trusted service manager respectively, calculate self-update public keys and key verification tags of the first NFC terminal and the second NFC terminal, and transmit the calculated self-update public keys and key verification tags to other parties for verification; and when the key verification tags of the first NFC terminal and the second NFC terminal pass verification of the other parties and the self-update public keys are the same, the first NFC terminal and the second NFC terminal use the same self-update public keys as shared public keys of the two parties in order to finish a payment process. According to the method, encryption is performed between two communication parties with continuously-updated public keys, and the identities of the two communication parties are hidden with the anonymous identities, so that the privacies and information security of two payment transaction parties are effectively protected.

Description

technical field [0001] The invention relates to the communication field, in particular to a mobile payment encryption method based on near-field communication. Background technique [0002] Near Field Communication (NFC for short) is a short-range high-frequency radio technology, which is evolved from the fusion of non-contact radio frequency identification technology and point-to-point communication technology. It works at a frequency of 13.56MHz within a distance of 0 to 20cm , There are three kinds of transmission speeds: 106Kbit / sec, 212Kbit / sec or 424Kbit / sec, and can switch automatically between different transmission speeds. [0003] NFC has three usage modes: card mode, peer-to-peer communication mode, and card reader / writer mode. Among them, the point-to-point communication mode is used to realize data interaction between different NFC terminals, so as to connect multiple devices with NFC function through communication, and realize point-to-point transmission of da...

AI Technical Summary

Problems solved by technology

[0004] However, when mobile payment is performed between two existing NFC terminals, since the public keys shared by the two are fixed, and near-field communication has a short communication distance and does not use security checks, the public key is in the The entire payment process is easily intercepted by other illegal users, who may use the fixed public key to steal the user's private information without the user's knowledge; in addition, the user uses a public identity for transactions, and the illegal user will easily find the private information and the user's private information. True identity, resulting in the exposure of user privacy

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