Security payment system and method for near field communication mobile terminal

Abstract

The invention provides a security payment system and a method for a near field communication mobile terminal. The mobile terminals of two trading parties send respective symmetric keys to a third party payment platform for preservation, the interacted data between the mobile terminals of two trading parties and the third party payment platform use the corresponding symmetric keys for encryption and decryption subsequently, secure communication between the mobile terminals of two trading parties and the third party payment platform is realized, a payer completes authentication operation on themobile terminal during the payment process, and the process is secure and reliable. Through carrying out integrity verification on the trading data, verification is carried out through a random numberto avoid a replay attack, and the security and the reliability of the whole payment process are enhanced further; the payment system supports a fast payment function based on the JR / T 0025 Chinese financial integrated circuit (IC) card specification series standard, and the security is high; and payment functions such as acquiring and transfer can be completed only by installing a wallet securityapplication in the near field communication mobile terminal, the user experience is improved, and promotion and application are facilitated.

Description

Technical field [0001] The invention relates to a secure payment system and method for a near field communication mobile terminal, and belongs to the technical field of mobile payment. Background technique [0002] With the rapid development of mobile communication and e-commerce technology, the use of mobile terminals for various online and offline non-cash transactions has become widespread. Application scenarios include merchant acquiring, personal transfer, bank transaction management, public transportation and other fields. Greatly improve people's life convenience. [0003] The existing non-contact mobile payment methods mainly include two types: one is based on near field communication technology, the payer's mobile terminal (near field communication mobile terminal equipped with NFC chip) and the payee's POS machine are realized through near field communication The interactive process of transaction data. During the payment process, the user needs to enter the payment pass...

AI Technical Summary

Problems solved by technology

[0004] Of the above two payment methods, the first one has higher requirements for the offline acceptance environment and must be equipped with non-contact acceptance equipment (such as POS machines) before it can be applied, and it is mainly used for merchants to acquire orders, and the usage scenarios are relatively simple; the second one is currently still available. It is not a financial payment method approved by the national regulatory authorities, and there are certain risks in security. Once a Trojan horse is implanted in the QR code, it will cause the loss of user funds

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