Mobile near field communication based security payment method

A secure payment and near-field communication technology, applied in payment systems, payment system structures, instruments, etc., can solve problems such as NFC payment information leakage, threats to the economic interests of mobile smart terminals, and personal safety injuries of victims

Inactive Publication Date: 2016-07-06
NINGBO UNIV
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] While NFC payment is convenient for people's daily life, it also brings serious information security problems: In crowded places, existing NFC payment still has information leakage or malicious third parties wait for the opportunity to spy on the payment information, thus giving mobile smart terminal...

Method used

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  • Mobile near field communication based security payment method
  • Mobile near field communication based security payment method
  • Mobile near field communication based security payment method

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Embodiment Construction

[0061] The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments.

[0062] In this embodiment, the secure payment method based on mobile near-field communication is used for payment security linkage composed of a mobile smart terminal with NFC function, a consumer POS settlement terminal with NFC function, a certification institution, a bank account management platform, and a public security police platform. system, the payment security linkage system can be found in figure 1 shown. Wherein, the secure payment method based on mobile near-field communication in this embodiment includes the following steps 1 to 19 in sequence:

[0063] Step 1. The consumer POS settlement terminal and mobile smart terminal respectively send credit visa requests to the certification authority, and the certification authority generates a set of credit visa certificates for the consumer POS settlement terminal and mobile smart term...

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Abstract

The invention relates to a mobile near field communication based security payment method. A mobile intelligent terminal and a consumption POS (Point Of Sales) settlement terminal obtain corresponding credit visa certificate set and financial visa certificate set; and the mobile intelligent terminal constructs a left-hand pressure database and a right-hand pressure database for each key when a lawful owner of the terminal performs a payment operation, constructs a palm surface relationship data model, a palm vibration relationship data model, a facial characteristic information database and a facial expression database during the payment operation, and judges a current environment in which the lawful owner of the terminal is located according to the models and the databases: when judging that the lawful owner of the terminal is in a security state, the mobile intelligent terminal finishes account transfer according to a payment password verification condition; when judging that the lawful owner of the terminal is in a forced non-security state, the mobile intelligent terminal displays false information of successful account transfer to unlawful personnel and sends caution information to a bank account management platform for giving an alarm in a screen turnoff state, and a public security police service platform makes emergency processing according to the alarm of the bank account management platform.

Description

technical field [0001] The invention relates to the field of near-field communication payment, in particular to a secure payment method based on mobile near-field communication. Background technique [0002] Mobile payment is a service method that allows users to use their mobile terminals to pay for the goods or services they consume. Units or individuals directly or indirectly send payment instructions to banking and financial institutions through mobile devices, the Internet or proximity sensing to generate currency payment and fund transfer behaviors, thereby realizing the mobile payment function. Mobile payment is mainly divided into two types: near-field payment and remote payment. Near-field payment means using a mobile phone to swipe a card to ride a car, buy things, etc.; remote payment refers to payment by sending payment instructions or using payment tools. In people's daily life, near-field payment occupies a larger proportion of mobile payment. As a key implem...

Claims

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Application Information

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IPC IPC(8): G06Q20/20G06Q20/32G06Q20/38
CPCG06Q20/3278G06Q20/20G06Q20/3823
Inventor 郑紫微陈平顺
Owner NINGBO UNIV
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