Mobile wallet payment method based on NFC

Abstract

The present invention relates to a mobile wallet payment method based on NFC (Near Field Communication). A NFC settlement terminal and a NFC mobile wallet respectively obtain corresponding current positions, air humidity of the current positions, the noise of the current positions and the time of obtaining the noise data, and send the obtained data to a certification authority; when the certification authority determines the NFC settlement terminal and the NFC mobile wallet to be located at a safe transaction distance according to the position difference of the NFC settlement terminal and the NFC mobile wallet, it is determined that the environment where the payment transaction is located have no harmful third-party potential camouflage threat through the current position noise difference and the time difference of the NFC settlement terminal and the NFC mobile wallet, then the certification authority generates transaction secret keys of the NFC settlement terminal and the NFC mobile wallet after it is further accurately determined that the NFC settlement terminal and the NFC mobile wallet are located at the same position through adoption the current position air humidity difference, and the NFC mobile wallet determines the identity determination condition of a payment operator according to a built valid owners' left and right hands pressure database, makes the payment transaction determination and complete the payment of the NFC mobile wallet to the NFC settlement terminal, so that the information safety when the payment of the NFC mobile wallet is performed.

Description

technical field [0001] The invention relates to the field of near-field communication payment, in particular to an NFC-based mobile wallet payment method. Background technique [0002] In recent years, with the continuous popularization of mobile payment in the field of financial payment, NFC payment technology based on Near Field Communication (NFC for short), as a key implementation form of mobile payment, has rapidly emerged. Smart terminals with built-in NFC function modules have NFC payment functions, and smart terminals with NFC payment functions are also called NFC mobile wallets. [0003] However, while NFC payment is popularized, the NFC payment process still has the problem of information security leakage or malicious third party snooping payment information: for example, a malicious third party is far away from the NFC payment parties, by disguising as an NFC payment terminal After obtaining the payment information of the consumer's NFC mobile wallet, the method ...

AI Technical Summary

Problems solved by technology

[0003] However, while NFC payment is popularized, the NFC payment process still has the problem of information security leakage or malicious third party snooping payment information: for example, a malicious third party is far away from the NFC payment parties, by disguising as an NFC payment terminal After obtaining the payment information of the consumer's NFC mobile wallet, the balance in the consumer's NFC mobile wallet is transferred away, which poses a serious threat to the economic interests of consumers

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