Near-field magnetic communication and proximity relation detection based mobile phone payment system and method

Abstract

The invention provides a near-field magnetic communication and proximity relation detection based mobile phone payment system and method. The near-field magnetic communication and proximity relation detection based mobile phone payment method comprises the steps of initiating a money collection process through a money collection device by a payee; enabling a money collection verification service platform to be connected with a money collection terminal; sending a transaction verification code and a dynamic transaction code generated by the transaction to a money collection terminal; broadcasting the dynamic transaction code through WiFi or a BLE link by the money collection terminal; sending the transaction verification code through the near-field magnetic communication link; after a smart phone obtains the dynamic transaction code and the transaction verification code, packaging the codes into a verification request message and sending the message to the money collection verification service platform for safety verification; verifying the uploaded transaction verification code and dynamic transaction code by the money collection verification service platform; and after the verification passes, finishing the payment transaction through a payment interface provided by the payment platform. The payment in the system approaches the immediate payment; the payment movement can be reduced, the payment time can be shortened, and the payment experience can be improved; and the unique transaction verification code generated in the transaction and the dynamically and periodically updated dynamic transaction code guarantee the payment safety.

Description

technical field [0001] The invention relates to a mobile phone payment system and method, in particular to a mobile phone payment system and method based on near-field magnetic communication and proximity relationship detection, which is mainly applied to offline mobile payment of smart phones and belongs to the field of mobile payment. Background technique [0002] In recent years, "no wallet, no cash" mobile payment has rapidly penetrated into people's daily life and has gradually become a daily habit of people. The main technical means of offline mobile payment include: QR code, NFC, Bluetooth. [0003] NFC (Near Field Communication), as a near-field payment method, has many advantages such as high security, fast and convenient payment, good user experience, and online networking without smartphones. It is the main payment method promoted by operators and major banks, but it is affected by many factors such as the high cost of the payment collection equipment, namely the...

AI Technical Summary

Problems solved by technology

[0006] The purpose of the present invention is to address the problems of low security in the existing two-dimensional code payment method, the need for the user to perform multiple actions during payment, the complicated process, and the fact that NFC is limited by the high price of payment collection equipment and the lack of smart phone terminals that support NFC. , the present invention proposes that when the collection terminal of the mobile payment system starts the collection process, it obtains the unique transaction verification code and the periodically updated dynamic transaction code of the collection transaction from the collection verification service platform, and sends the dynamic transaction code through WiFi / BLE signal is broadcast to nearby smartphones, and at the same time, the magnetic emission unit is used to transmit the transaction verification code corresponding to this transaction; the smartphone in the unlocked state runs WiFi / BLE in the background to listen to the duty library to obtain the dynamic transaction code corresponding to each payment transaction , based on the receiving strength RSS of the WiFi / BLE broadcast signal, the proximity relationship detection between the smart phone and the payment terminal is realized. When the smart phone detects that the distance from the payment terminal is less than a specified value (such as 0.1m), the magnetometer sensor is automatically activated. The magnetic field is sampled, and the transaction verification code is obtained based on the magnetic signal demodulation algorithm, and the transaction verification code and the dynamic transaction code are sent to the collection verification service platform for security verification, thereby improving payment security, reducing the number of user operations, and improving user experience

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