Mobile near field communication based security payment method

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...

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 terminals On the other hand, when the legal owner of the mobile smart terminal is intimidated by illegal personnel and coerced to use the mobile smart terminal to transfer money to the account of illegal personnel, it not only damages the property safety of the victim, but also harm to the personal safety of the victim

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