Identity authentication method based on NFC payment and device

A technology of identity authentication and user identity authentication, applied in the direction of user identity/authority verification, payment system, payment system structure, etc., can solve problems such as insufficient security, and achieve the effect of improving user experience, improving security, and ensuring legality

Active Publication Date: 2016-08-03
YULONG COMPUTER TELECOMM SCI (SHENZHEN) CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] Based on this, in order to solve the technical problem of insufficient security of the traditional NFC-based mobile payment method in the payment process because there is no security verification of the transaction environment, an identity authentication method based on NFC payment is proposed.

Method used

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  • Identity authentication method based on NFC payment and device
  • Identity authentication method based on NFC payment and device
  • Identity authentication method based on NFC payment and device

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Embodiment Construction

[0048] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

[0049] In order to solve the technical problem of insufficient security of the NFC-based mobile payment method in the traditional technology because there is no security verification of the transaction environment during the payment process, in this embodiment, an NFC-based payment method is proposed. The identity authentication method, the implementation of the method may depend on a computer program, the computer program may run on a computer system based on the v...

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Abstract

An embodiment of the invention discloses an identity authentication method based on NFC payment. The method comprises steps that a first secret key is generated and cached, an identity authentication request is sent to a payment gateway, and the first secret key is contained in the identity authentication request; a second secret key returned by the payment gateway is received, and a first Hash secret key is generated according to a preset Hash algorithm by taking the first secret key and the second secret key as input; the first Hash secret key is sent to the payment gateway, the first Hash secret key is verified by the payment gateway, whether identity authentication passes is determined according to a verification result of the first Hash secret key; an identity authentication response returned by the payment gateway is received. The invention further discloses a use identity authentication device based on NFC payment. According to the method, payment safety is improved when a user utilizes the NFC function of a mobile terminal.

Description

technical field [0001] The invention relates to the field of computer technology, in particular to an identity authentication method and device based on NFC payment. Background technique [0002] NFC (Near Field Communication, near-field communication or short-range wireless communication), is a short-distance high-frequency wireless communication technology. With the popularization of mobile consumer electronics products such as smart phones, NFC systems with low energy consumption and fast data transmission speed Mobile payment, electronic identity authentication, electronic ticket and other fields are widely used, and users can realize mobile payment by virtue of their mobile phones or smart watches with NFC function (that is, with NFC module). [0003] In the process of using NFC to realize mobile payment (such as mobile payment), mobile electronic devices usually do not need to be connected to the network, and mobile electronic devices are charged with POS (point of sal...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04L29/06H04L9/32G06Q20/40G06Q20/38G06Q20/32
CPCH04L9/3236H04L9/3247H04L9/3297H04L63/083G06Q20/3278G06Q20/382G06Q20/3825G06Q20/3829G06Q20/4014
Inventor 汤镇辉牛溢华
Owner YULONG COMPUTER TELECOMM SCI (SHENZHEN) CO LTD
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