Mobile wallet payment method based on optimal NFC relay

Abstract

The invention relates to a mobile wallet payment method based on an optimal NFC relay. The method comprises the following steps: a POS payment terminal and a mobile wallet respectively acquiring corresponding current position, current position air humidity, current position noise and acquiring noise time, and transmitting the acquired data to an authentication mechanism; the authentication mechanism, based on a position difference of two parties, determining that when the two parties are at a safe trading distance therebetween, through a noise difference in the periphery of the two parties and a time difference, no potential threat in disguise of a malicious third party is in presence in the environment where a payment transaction is placed, and in the aftermath utilizing the air humidity difference of current positions to further determine that the two parties are at the same position, then the authentication mechanism generating a trading secret key of the two parties, the mobile wallet, based on a database constituted of left and right hand pressing pressures of a legitimate owner and historic characteristic pressure waves upon payment, determining identify determination conditions of a payment operator, and safely finishing the payment trading with the optimal NFC relay selected by an NFC relay convergence center as a hinge for realizing the expansion of communication distance.

Description

technical field [0001] The invention relates to the field of mobile payment, in particular to a mobile wallet payment method based on an optimal NFC relay. 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] When consumers finish shopping in the mall and use their NFC mobile wallets to queue up at the POS settlement terminal in the mall to pay for the purchased goods, it often takes a lot of time to complete the mobile payment due to the large number of people in the queue. In addition, in shopping malls, due to the dense crowd, the existing NFC payment still has the risk of informati...

AI Technical Summary

Problems solved by technology

[0003] When consumers finish shopping in the mall and use their NFC mobile wallets to queue up at the POS settlement terminal in the mall to pay for the purchased goods, it often takes a lot of time to complete the mobile payment due to the large number of people in the queue.

In addition, in shopping malls, due to the dense crowd, the existing NFC payment still has the risk of information security leakage or a malicious third party waiting for an opportunity to spy on the payment information: for example, a malicious third party is far away from the NFC payment parties, by disguising as The method of NFC charging terminal transfers the balance in the consumer's NFC mobile wallet after obtaining the payment information of the consumer's NFC mobile wallet, thus posing a serious threat to the economic interests of consumers

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