Security verification method, system and device for mobile phone password-free payment

Abstract

The present invention discloses a security verification method, system and device for mobile phone password-free payment, and relates to the field of security verification management technology. The security verification method for mobile phone password-free payment includes the following steps: communication range division; NFC signal attenuation analysis; NFC signal reflection interference analysis. The present invention monitors the communication distance value and divides the communication range, then performs NFC signal attenuation analysis within the NFC signal attenuation evaluation range, and determines whether to perform payment and verification qualification analysis, then performs NFC signal reflection interference analysis within the NFC signal reflection interference evaluation range, and finally determines whether to perform payment and verification qualification analysis, thereby achieving the effect of improving the accuracy of security verification in the process of password-free payment based on mobile phone NFC, and solving the problem of low security verification accuracy in the process of password-free payment based on mobile phone NFC in the prior art.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of security verification management, and particularly relates to a security verification method, system and device for mobile phone password-free payment. BACKGROUND

[0002] With the popularity of digital payment methods, mobile phone password-free payment is widely welcomed due to its convenience. However, password-free payment, while bringing convenience, also comes with non-negligible security risks. In order to ensure the safety of user funds, various security verification methods have emerged. NFC (Near Field Communication) technology, as an important support for mobile phone password-free payment, its security is particularly critical. NFC, which is a short-range wireless communication technology, allows devices to exchange data when they are close together. Its working principle is based on electromagnetic induction.

[0003] The existing method is mainly based on adaptive parameter adjustment. NFC devices can perceive changes in the surrounding environment, such as electromagnetic interference intensity, signal attenuation degree, etc., and adjust the NFC working frequency, transmission power or data retransmission strategy in real time according to the environment to reduce the interference of NFC payment verification data transmission.

[0004] For example, the patent for a method and device for NFC verification of network payment with publication number CN107491961B, includes: a client payment page in the screen of a mobile intelligent device displays a payment two-dimensional code; a scanning device of the payee scans and identifies the payment two-dimensional code, and sends the generated network payment transaction information to a network payment server; at the same time, the NFC device is activated; the NFC module of the mobile intelligent device and the NFC device of the payee perform mutual verification, and after verification, a password input page is popped up in the payment page of the mobile intelligent device; the verification result is randomly divided into two parts, the first part is encrypted by the payee device and the NFC device and sent to the network payment server; the second part is encrypted by the mobile intelligent device and sent to the network payment server.

[0005] For example, the invention patent announcement No. CN105245257B announced the point-to-point payment communication method between near field communication devices, including: the first NFC terminal and the second NFC terminal in the communication party respectively store their real ID in the third party trusted agency, and the third party trusted agency stores the anonymous identity of the two NFC terminals; When point-to-point payment communication, the first NFC terminal requests to use its anonymous identity to the third party trusted agency, and calculates and sends its own self-updating public key and key verification label to the second NFC terminal for verification; The second NFC terminal also sends its self-updating public key and key verification label to the first NFC terminal for verification; When the key verification labels of the first NFC terminal and the second NFC terminal are verified by the other party and the self-updating public keys are the same, it is judged that the physical distance between the two NFC terminals is greater than the preset distance, then the first NFC terminal and the second NFC terminal use the same self-updating public key as the shared public key of both parties, and complete the point-to-point communication.

[0006] But in the process of implementing the technical scheme of the embodiments of the present application, it is found that the above-mentioned technology at least has the following technical problems:

[0007] In the prior art, for non-contact NFC payment devices, the signal transmission distance between the mobile phone and the card reader may cause unstable NFC payment device signal transmission, thereby affecting the effective contact between the mobile phone and the card reader, and causing interference in the process of receiving NFC signals by the card reader based on mobile phone NFC payment, resulting in interference in the verification data transmission process, and low security verification accuracy in the process of mobile phone NFC-based password-free payment. SUMMARY

[0008] The embodiments of the present application provide a security verification method, system and device for mobile phone password-free payment, which solves the problem of low security verification accuracy in the process of mobile phone NFC-based password-free payment in the prior art, and improves the security verification accuracy in the process of mobile phone NFC-based password-free payment.

[0009] The embodiments of the present application provide a security verification method for mobile phone password-free payment, including the following steps: S1, dividing the communication range based on the obtained communication distance value; S2, performing NFC signal attenuation analysis in the NFC signal attenuation evaluation range, and judging whether to perform payment and verification qualified analysis after NFC signal attenuation optimization; S3, performing NFC signal reflection interference analysis in the NFC signal reflection interference evaluation range, and judging whether to perform payment and verification qualified analysis after NFC signal reflection interference optimization.

[0010] The embodiment of the application provides a security verification system for mobile phone password-free payment, which comprises a communication range division module, an NFC signal attenuation analysis module and an NFC signal reflection interference analysis module; the communication range division module is used for dividing the communication range based on the obtained communication distance value; the NFC signal attenuation analysis module is used for performing NFC signal attenuation analysis in an NFC signal attenuation evaluation range and determining whether to perform payment and verification qualification analysis after NFC signal attenuation optimization; and the NFC signal reflection interference analysis module is used for performing NFC signal reflection interference analysis in an NFC signal reflection interference evaluation range and determining whether to perform payment and verification qualification analysis after NFC signal reflection interference optimization.

[0011] The embodiment of the application provides an electronic device, which comprises a memory for storing computer program instructions and a processor for executing the program instructions, wherein when the computer program instructions are executed by the processor, the electronic device is triggered to execute the security verification method for mobile phone password-free payment.

[0012] The one or more technical solutions provided in the embodiment of the application have at least the following technical effects or advantages:

[0013] 1. By monitoring the communication distance value and dividing the communication range, then performing NFC signal attenuation analysis in an NFC signal attenuation evaluation range and determining whether to perform payment and verification qualification analysis, then performing NFC signal reflection interference analysis in an NFC signal reflection interference evaluation range, and finally determining whether to perform payment and verification qualification analysis, the precise evaluation of NFC signal attenuation and reflection interference is realized, the accuracy of security verification in the password-free payment process based on mobile phone NFC is improved, and the problem of low security verification accuracy in the password-free payment process based on mobile phone NFC in the prior art is solved.

[0014] 2. By determining whether to perform NFC signal attenuation optimization, when the NFC signal attenuation value is greater than a preset attenuation threshold, NFC signal attenuation optimization is performed, then determining whether to perform NFC signal reflection interference optimization, when the NFC signal reflection interference value is greater than a preset reflection interference threshold, NFC signal reflection interference optimization is performed, the reliability of NFC signal attenuation optimization and NFC signal reflection interference optimization is improved, and the accuracy of NFC signal attenuation optimization and NFC signal reflection interference optimization is improved.

[0015] 3. By monitoring the verification data transmission time and the preset verification data transmission time, when the verification data transmission time is not longer than the preset verification data transmission time, the qualified verification data will be transmitted to the payment platform for payment authorization, thereby improving the accuracy of payment operations and further improving the security of the payment process. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] Figure 1 A flowchart of a security verification method for mobile phone password-free payment provided in an embodiment of the present application;

[0017] Figure 2 A schematic diagram of the structure of a security verification system for mobile phone password-free payment provided in an embodiment of the present application;

[0018] Figure 3 A detailed flowchart provided for an embodiment of the present application. DETAILED DESCRIPTION

[0019] The embodiments of the present application solve the problem of low security verification accuracy in the process of password-free payment based on mobile phone NFC in the prior art by providing a security verification method, system and device for mobile phone password-free payment. By monitoring the communication distance value and dividing the communication range, then performing NFC signal attenuation analysis within the NFC signal attenuation evaluation range, and judging whether payment and verification qualification analysis should be performed after NFC signal attenuation optimization, then performing NFC signal reflection interference analysis within the NFC signal reflection interference evaluation range, and finally judging whether payment and verification qualification analysis should be performed after NFC signal reflection interference optimization, the accuracy of security verification in the process of password-free payment based on mobile phone NFC is improved.

[0020] The technical solution in the embodiment of the present application is to solve the problem of low accuracy of security verification in the process of password-free payment based on mobile phone NFC. The overall idea is as follows:

[0021] By monitoring the communication distance value and dividing the communication range, then performing NFC signal attenuation analysis within the NFC signal attenuation evaluation range, and judging whether to perform payment and verification qualification analysis, then performing NFC signal reflection interference analysis within the NFC signal reflection interference evaluation range, and finally judging whether to perform payment and verification qualification analysis, the accuracy of security verification in the process of password-free payment based on mobile phone NFC is improved.

[0022] In order to better understand the above technical solution, the above technical solution will be described in detail below with reference to the accompanying drawings and specific implementation methods.

[0023] like Figure 1As shown, a flowchart of a security verification method for mobile phone password-free payment provided by the embodiment of the application is provided, and the method comprises the following steps: S1, communication range division: performing communication range division based on the obtained communication distance value; S2, NFC signal attenuation analysis: performing NFC signal attenuation analysis in the NFC signal attenuation evaluation range, and determining whether to perform payment and verification qualification analysis after NFC signal attenuation optimization; S3, NFC signal reflection interference analysis: performing NFC signal reflection interference analysis in the NFC signal reflection interference evaluation range, and determining whether to perform payment and verification qualification analysis after NFC signal reflection interference optimization.

[0024] In the embodiment, the communication distance value is monitored and the range to be analyzed is divided, the NFC signal attenuation value is obtained through NFC signal attenuation analysis, when the monitored NFC signal attenuation value is greater than the preset attenuation threshold, NFC signal attenuation optimization is performed to reduce the signal attenuation in the NFC signal attenuation evaluation range; the NFC signal reflection interference value is obtained through NFC signal reflection interference analysis, when the monitored NFC signal reflection interference value is greater than the preset reflection interference threshold, NFC signal reflection interference optimization is performed to reduce the signal reflection interference in the NFC signal reflection interference evaluation range; the payment and verification qualification analysis is performed to improve the accuracy of the transmission of verification data (such as transaction information, user identity information, etc.), thereby improving the security verification accuracy in the process of password-free payment based on mobile phone NFC.

[0025] It should be explained that the qualified communication range is set in advance by the preset personnel, the upper limit of the NFC signal attenuation evaluation range is the maximum value of the communication distance value in the historical time period, and the lower limit is the maximum value of the qualified communication range in the historical time period, the upper limit of the NFC signal reflection interference evaluation range is the minimum value of the qualified communication range in the historical time period, and the lower limit is the minimum value of the communication distance value in the historical time period; for example, the effective working distance of NFC is usually 4-10 cm, the qualified communication range in the embodiment is set to 6-8 cm, the NFC signal attenuation evaluation range is 8-10 cm, and the NFC signal reflection interference evaluation range is 4-6 cm.

[0026] In the non-contact NFC payment device, the signal transmission distance between the mobile phone and the card reader is different, which may cause unstable NFC signal transmission, affect effective contact, and cause interference in the process of receiving NFC signals by the card reader. By performing NFC signal attenuation analysis and NFC signal reflection interference analysis, the stability of NFC signal transmission is improved, the influence of signal attenuation and reflection interference on the payment process is reduced, which helps to enhance the accuracy of verification data transmission and ensure the correct transmission and verification of transaction information and user identity information.

[0027] It should be noted that the specific process of communication range division based on the obtained communication distance value is as follows: obtaining the communication distance value, which represents the communication distance between the payment mobile phone and the NFC card reader; determining whether the communication distance value is within the range to be analyzed; if the communication distance value is within the NFC signal attenuation evaluation range, performing NFC signal attenuation analysis based on the obtained attenuation analysis data; if the communication distance value is within the NFC signal reflection interference evaluation range, performing NFC signal reflection interference analysis based on the obtained reflection interference analysis data; if the communication distance value is within the qualified communication range, directly performing payment and verification qualified analysis; the range to be analyzed includes the NFC signal attenuation evaluation range, the NFC signal reflection interference evaluation range, and the qualified communication range.

[0028] Further, the attenuation analysis data represents the quantitative data of the comprehensive influence of the attenuation analysis parameters and the preset attenuation parameters on the NFC signal attenuation, and specifically includes attenuation and signal power analysis value, attenuation and communication distance analysis value, attenuation and card reader transmission power analysis value, and attenuation and angle analysis value; the attenuation analysis parameters include signal attenuation rate and attenuation analysis data set; the attenuation analysis data set includes NFC card reader signal power maximum value, first communication distance value, NFC card reader transmission power, and relative inclination angle; the first communication distance value represents the communication distance value within the NFC signal attenuation evaluation range; the relative inclination angle represents the relative angle of the mobile phone and the NFC card reader with the corresponding preset normal line; the preset attenuation parameters include preset signal attenuation rate, preset NFC card reader signal power maximum value, preset first communication distance value, preset NFC card reader transmission power, preset relative inclination angle, and preset attenuation contact weight set; the preset attenuation contact weight set includes preset attenuation and signal power weight, preset attenuation and communication distance weight, preset attenuation and card reader transmission power weight, and preset attenuation and angle weight, which are used to reflect the influence of the attenuation analysis data set on the attenuation analysis data.

[0029] Specifically, the signal attenuation rate is obtained by monitoring the signal power of the NFC signal at the initial state and the final state in a preset time period at the preset position point through a power meter and a spectrum analyzer, performing a ratio operation on the absolute value of the difference between the signal power at the initial state and the signal power at the final state and the signal power at the initial state, and taking the result of the ratio operation as the signal attenuation rate; the maximum value of the NFC signal in the preset time period is monitored through the power meter, and the maximum value is taken as the maximum value of the signal power of the NFC card reader; the distance between the preset position point of the mobile phone and the preset position point of the corresponding NFC card reader in the preset time period is monitored through the laser range finder, and the distance is taken as the first communication distance value (if within the NFC signal reflection interference evaluation range, the second communication distance value); the NFC card reader transmission power in the preset time period is monitored through the power meter (regarded as a constant value); the included angle between the mobile phone and the NFC card reader and the corresponding preset normal line in the preset time period is monitored through the tilt sensor at the preset position point, and the included angle is taken as the relative tilt angle.

[0030] The signal attenuation rate and the preset signal attenuation rate are both unitless, the maximum value of the signal power of the NFC card reader and the preset maximum value of the signal power of the card reader are both in watts, the first communication distance value and the preset first communication distance value are both in centimeters, the NFC card reader transmission power and the preset NFC card reader transmission power are both in watts, and the relative tilt angle and the preset relative tilt angle are both in degrees.

[0031] The reflection interference analysis data represent the quantitative data of the comprehensive influence of the reflection interference analysis parameters and the preset reflection interference parameters on the NFC signal reflection interference, and specifically include the reflection interference and power ratio analysis value, the reflection interference and communication distance analysis value, the reflection interference and phase difference analysis value, and the reflection interference and angle analysis value; the reflection interference analysis parameters include the NFC signal reflection rate, the average NFC signal power ratio, the second communication distance value, the average NFC signal phase difference, and the relative tilt angle; the second communication distance value represents the communication distance value within the NFC signal reflection interference evaluation range; the preset reflection interference parameters include the preset signal reflection rate, the preset power ratio, the preset second communication distance value, the preset phase difference, the preset relative tilt angle, the preset reflection interference reflection weight, and the preset reflection interference contact weight set; the preset reflection interference contact weight set includes the preset reflection interference and power ratio weight, the preset reflection interference and communication distance weight, the preset reflection interference and phase difference weight, and the preset reflection interference and angle weight, and is used to reflect the influence of the reflection interference analysis parameters on the reflection interference analysis data; the preset reflection interference reflection weight is used to reflect the influence of the reflection interference analysis data on the NFC signal reflection interference value.

[0032] Specifically, the signal power of the reflected signal at the initial state and the final state in the preset time period is monitored by the spectrum analyzer and the power meter, the absolute value of the difference between the signal power at the initial state and the signal power at the final state is calculated, and the ratio of the absolute value to the signal power at the initial state is calculated, and the result of the ratio calculation is taken as the NFC signal reflectivity; the power ratio of the reflected signal to the incident signal in the preset time period is monitored by the power meter and the reflectivity measuring instrument, and the average value thereof is taken as the average NFC signal power ratio; the phase difference between the reflected signal and the incident signal in the preset time period is monitored by the phase measuring instrument and the spectrum analyzer, and the average value thereof is taken as the average NFC signal phase difference.

[0033] Among them, the NFC signal reflectivity and the preset signal reflectivity are both unitless, the average NFC signal power ratio and the average NFC signal power ratio are both unitless, the second communication distance value and the preset second communication distance value are both in centimeters, and the average NFC signal phase difference and the preset phase difference are both in radians.

[0034] In the embodiment, the aforementioned database is a database for storing various setting data used in the security verification method for mobile phone password-free payment provided by the embodiment, and the database contains but is not limited to preset signal attenuation rate, preset maximum reader signal power, preset first communication distance value, etc., wherein the various values are directly set by technicians; for example, the preset verification analysis parameters are represented by the average value of the historical verification analysis parameters corresponding to the historical time period in the database; the preset verification analysis parameters include preset signal attenuation rate, preset maximum reader signal power, preset first communication distance value, preset NFC reader transmission power, preset relative inclination angle, preset signal reflectivity, preset power ratio, preset second communication distance value, and preset phase difference; the historical verification analysis parameters include signal attenuation rate, maximum NFC reader signal power, first communication distance value, NFC reader transmission power, relative inclination angle, NFC signal reflectivity, average NFC signal power ratio, second communication distance value, and average NFC signal phase difference.

[0035] The embodiment provides three groups of mapping groups obtained from the database, and each group contains a mapping set obtained from the database. The mapping relationship in the mapping set can be a one-to-one or many-to-one relationship. One group is used to reflect the mapping relationship between the attenuation analysis data group and the corresponding preset attenuation contact weight group, one group is used to reflect the mapping relationship between the reflection interference analysis data and the corresponding preset reflection interference reflection weight, and one group is used to reflect the mapping relationship between the reflection interference analysis parameter and the corresponding preset reflection interference contact weight group. By inputting the real-time attenuation analysis data group, the reflection interference analysis data, or the reflection interference analysis parameter into the mapping group, the corresponding preset attenuation contact weight group, the preset reflection interference reflection weight, and the preset reflection interference contact weight group can be obtained; for example, the weight value ranges from 0 to 1.

[0036] By the communication range division, it is helpful to reduce the interference of NFC signal transmission instability, and then the security verification accuracy is improved in the process of the mobile phone NFC payment.

[0037] Further, the specific process of NFC signal attenuation analysis is as follows: after analyzing the proportion of the preset reader signal power maximum value and the NFC reader signal power maximum value, the attenuation and signal power analysis value is obtained by weighting operation combining the attenuation rate reflecting factor and the preset attenuation and signal power weight; after analyzing the proportion of the first communication distance value and the preset first communication distance value, the attenuation and communication distance analysis value is obtained by weighting operation combining the attenuation rate reflecting factor and the preset attenuation and communication distance weight, the attenuation rate reflecting factor is obtained by analyzing the proportion of the signal attenuation rate and the preset signal attenuation rate; after analyzing the proportion of the preset NFC reader transmission power and the NFC reader transmission power, the attenuation and reader transmission power analysis value is obtained by weighting operation combining the attenuation rate reflecting factor and the preset attenuation and reader transmission power weight; after analyzing the proportion of the relative inclination angle and the preset relative inclination angle, the attenuation and angle analysis value is obtained by weighting operation combining the attenuation rate reflecting factor and the preset attenuation and angle weight; the NFC signal attenuation value is obtained by coupling the attenuation analysis data, the NFC signal attenuation value represents the quantitative data of the influence of the attenuation analysis parameter and the preset attenuation parameter on the NFC signal attenuation in the preset time period; the attenuation and signal power analysis value is used to reflect the comprehensive effect of the signal attenuation rate in the preset time period and the NFC reader signal power maximum value on the NFC signal attenuation; the attenuation and communication distance analysis value is used to reflect the comprehensive effect of the signal attenuation rate in the preset time period and the first communication distance value on the NFC signal attenuation; the attenuation and reader transmission power analysis value is used to reflect the comprehensive effect of the signal attenuation rate in the preset time period and the NFC reader transmission power on the NFC signal attenuation; the attenuation and angle analysis value is used to reflect the comprehensive effect of the signal attenuation rate in the preset time period and the relative inclination angle on the NFC signal attenuation.

[0038] Among them, the NFC signal attenuation value is obtained by the following method:

[0039] Q(x) = Q1(x) + Q2(x) + Q3(x) + Q4(x);

[0040] In the formula, Q(x) represents the NFC signal attenuation value at the xth preset time period, x = 1, 2,..., v, x represents the number of the preset time period, v represents the total number of the preset time period, Q1(x) represents the attenuation and signal power analysis value at the xth preset time period, Q2(x) represents the attenuation and communication distance analysis value at the xth preset time period, Q3(x) represents the attenuation and reader transmission power analysis value at the xth preset time period, and Q4(x) represents the attenuation and angle analysis value at the xth preset time period.

[0041] Specifically, In the formula, F(x) represents the attenuation rate reflection factor at the xth preset time period, SJL(x) represents the signal attenuation rate at the xth preset time period, GV(x) represents the NFC reader signal power maximum value at the xth preset time period, SJL(0) represents the preset signal attenuation rate, GV(0) represents the preset reader signal power maximum value, and α1 represents the preset attenuation and signal power weight.

[0042] In the formula, TXL1(x) represents the first communication distance value at the xth preset time period, TXL1(0) represents the preset first communication distance value, and α2 represents the preset attenuation and communication distance weight.

[0043] In the formula, DKP(x) represents the NFC reader transmission power at the xth preset time period, DKP(0) represents the preset NFC reader transmission power, and α3 represents the preset attenuation and reader transmission power weight.

[0044] In the formula, JD(x) represents the relative inclination angle at the xth preset time period, JD(0) represents the preset relative inclination angle, and α4 represents the preset attenuation and angle weight.

[0045] In this embodiment, the NFC signal attenuation value is analyzed in conjunction with attenuation analysis data. A larger attenuation and signal power analysis value indicates a stronger combined effect of the signal attenuation rate and the maximum NFC reader signal power on the NFC signal attenuation, resulting in a larger NFC signal attenuation value. A larger attenuation and communication distance analysis value indicates a stronger combined effect of the signal attenuation rate and the first communication distance value on the NFC signal attenuation, resulting in a larger NFC signal attenuation value. A larger attenuation and reader transmit power analysis value indicates a stronger combined effect of the signal attenuation rate and the NFC reader transmit power on the NFC signal attenuation, resulting in a larger NFC signal attenuation value. A larger attenuation and angle analysis value indicates a stronger combined effect of the signal attenuation rate and the relative tilt angle on the NFC signal attenuation, resulting in a larger NFC signal attenuation value. In summary, the attenuation analysis data is directly proportional to the NFC signal attenuation value.

[0046] The attenuation analysis parameters in this embodiment do not exist independently but are interrelated and require comprehensive analysis. The larger the maximum value of the NFC reader signal power, the longer the communication distance it can support. However, a larger value of the first communication distance may lead to an increase in the signal attenuation rate because the NFC signal is more susceptible to environmental factors at longer distances. The greater the NFC reader's transmission power, the more it can compensate for the decrease in coupling efficiency caused by the increase in the relative tilt angle, thereby reducing the signal attenuation rate. The larger the relative tilt angle, the faster the attenuation of the NFC signal may be, which may shorten the effective transmission distance of the NFC signal and increase the signal attenuation rate. By analyzing the combined impact of the parameters, an accurate assessment of the NFC signal attenuation in a preset time period is achieved, thereby achieving the effect of improving the accuracy of security verification during password-free payment based on mobile phone NFC.

[0047] Furthermore, the specific process of determining whether to perform payment and verification qualification analysis after NFC signal attenuation optimization is as follows: determining whether to perform NFC signal attenuation optimization based on the NFC signal attenuation value; when the NFC signal attenuation value is not greater than the preset attenuation threshold obtained from the database, not performing NFC signal attenuation optimization, and continuing to perform payment and verification qualification analysis; when the NFC signal attenuation value is greater than the preset attenuation threshold obtained from the database, performing NFC signal attenuation optimization; NFC signal attenuation optimization includes dynamic adjustment of NFC reader transmission power, NFC signal amplification adjustment at the receiving end, and dynamic display of NFC antenna angle; dynamic adjustment of NFC reader transmission power means setting the NFC reader transmission power at a preset multiple; NFC signal amplification adjustment at the receiving end means setting the amplification factor of the preset signal amplifier at a preset multiple; dynamic display of NFC antenna angle means sending a mobile phone tilt angle prompt through a preset electronic screen.

[0048] In the embodiment, the preset attenuation threshold is represented by the average value of the historical time period NFC signal attenuation value; when the NFC signal attenuation value is greater than the preset attenuation threshold, NFC signal attenuation optimization is performed, for example, when the NFC signal attenuation value is greater than a preset multiple (generally 2 times) of the preset attenuation threshold, the NFC card reader transmission power is set to be greater than a preset multiple (generally 2 times) of the preset NFC card reader transmission power, the amplification multiple of the preset signal amplifier is set to be greater than a preset multiple (generally 2 times) of the preset amplification multiple, and the preset multiple (generally 2 times) of the mobile phone tilt angle is set to be less than the preset tilt angle; the preset amplification multiple and the preset tilt angle are preset by the preset personnel; by monitoring the NFC signal attenuation value in real time and performing NFC signal attenuation optimization, the accurate transmission and verification of the verification data are improved, thereby enhancing the security of the payment process, and the effect of improving the security verification accuracy in the mobile phone NFC-based password-free payment process is achieved.

[0049] Further, the specific process of performing NFC signal reflection interference analysis is as follows: after the average NFC signal power ratio and the preset power ratio are analyzed, the preset reflection interference and power ratio weight is weighted to obtain the reflection interference and power ratio analysis value; after the second communication distance value and the preset second communication distance value are analyzed, the preset reflection interference and communication distance weight is weighted to obtain the reflection interference and communication distance analysis value; after the average NFC signal phase difference and the preset phase difference are analyzed, the preset reflection interference and phase difference weight is weighted to obtain the reflection interference and phase difference analysis value; after the relative tilt angle and the preset relative tilt angle are analyzed, the preset reflection interference and angle weight is weighted to obtain the reflection interference and angle analysis value; after the reflection interference analysis data is coupled, the reflectivity reflection factor and the preset reflection interference reflection weight are weighted to obtain the NFC signal reflection interference value, which is used to reflect the comprehensive influence of the reflection interference analysis parameters and the preset reflection interference parameters on the NFC signal reflection interference in the preset time period; the reflection interference and power ratio analysis value represents the quantization data of the effect of the average NFC signal power ratio in the preset time period on the NFC signal reflection interference; the reflection interference and communication distance analysis value represents the quantization data of the effect of the second communication distance value in the preset time period on the NFC signal reflection interference; the reflection interference and phase difference analysis value represents the quantization data of the effect of the average NFC signal phase difference in the preset time period on the NFC signal reflection interference; the reflection interference and angle analysis value represents the quantization data of the effect of the relative tilt angle in the preset time period on the NFC signal reflection interference; the reflectivity reflection factor is obtained by analyzing the NFC signal reflectivity and the preset signal reflectivity.

[0050] Wherein, the NFC signal reflection interference value is obtained by the following method:

[0051] S(x) = g(x) * β * [S1(x) + S2(x) + S3(x) + S4(x)];

[0052] In the formula, S(x) represents the NFC signal reflection interference value at the xth preset time period, x = 1, 2,..., v, x represents the number of the preset time period, v represents the total number of the preset time period, S1(x) represents the reflection interference and power ratio analysis value at the xth preset time period, S2(x) represents the reflection interference and communication distance analysis value at the xth preset time period, S3(x) represents the reflection interference and phase difference analysis value at the xth preset time period, S4(x) represents the reflection interference and angle analysis value at the xth preset time period, β represents the preset reflection interference reflection weight, and g(x) represents the reflectivity reflection factor.

[0053] Specifically, In the formula, FSP(x) represents the average NFC signal power ratio at the xth preset time period, FSP(0) represents the preset power ratio, and θ1 represents the preset reflection interference and power ratio weight.

[0054] In the formula, TXL2(x) represents the second communication distance value at the xth preset time period, TXL2(0) represents the preset second communication distance value, and θ2 represents the preset reflection interference and communication distance weight.

[0055] In the formula, ΔXW(x) represents the average NFC signal phase difference at the xth preset time period, ΔXW(0) represents the preset phase difference, and θ3 represents the preset reflection interference and phase difference weight.

[0056] In the formula, JD(x) represents the relative inclination angle at the xth preset time period, JD(0) represents the preset relative inclination angle, and θ4 represents the preset reflection interference and angle weight.

[0057] In the formula, FSL(x) represents the NFC signal reflectivity at the xth preset time period, and FSL(0) represents the preset signal reflectivity.

[0058] In the embodiment, the NFC signal reflection interference value is obtained by combining the reflection interference analysis data. The greater the reflection interference and power ratio analysis value, the stronger the effect of the average NFC signal power ratio on the NFC signal reflection interference, resulting in a greater NFC signal reflection interference value. The greater the reflection interference and communication distance analysis value, the stronger the effect of the second communication distance value on the NFC signal reflection interference, resulting in a greater NFC signal reflection interference value. The greater the reflection interference and phase difference analysis value, the stronger the effect of the average NFC signal phase difference on the NFC signal reflection interference, resulting in a greater NFC signal reflection interference value. The greater the reflection interference and angle analysis value, the stronger the effect of the relative inclination angle on the NFC signal reflection interference, resulting in a greater NFC signal reflection interference value. In summary, the reflection interference analysis data is in a positive correlation with the NFC signal reflection interference value.

[0059] The reflection interference analysis parameters in the embodiment are not independent and have mutual correlation, and need to be comprehensively analyzed. The greater the second communication distance value, the greater the possibility of NFC signal reflection in the propagation process, thereby affecting the NFC signal reflectivity. The higher the NFC signal reflectivity, the more energy of the NFC signal reflected back, which can cause the power of the reflected signal to relatively increase, thereby causing the average NFC signal power ratio to be greater. When the average NFC signal phase difference is greater, the reflected signal and the incident signal can cancel each other out, thereby causing the reflection interference to be more serious, and thereby causing the NFC signal reflectivity to be greater. The greater the relative inclination angle, the greater the number of NFC signal reflections in the propagation process, thereby causing the NFC signal reflectivity to be greater. By analyzing the comprehensive influence between the parameters, the accurate evaluation of the NFC signal reflection interference condition in the preset time period is achieved, thereby achieving the improvement of the security verification accuracy in the mobile phone NFC-based password-free payment process.

[0060] Further, the specific process of whether to perform payment and verification qualified analysis after NFC signal reflection interference optimization is as follows: judging whether to perform NFC signal reflection interference optimization based on the NFC signal reflection interference value; when the NFC signal reflection interference value is not greater than the preset reflection interference threshold value obtained from the database, NFC signal reflection interference optimization is not performed, and payment and verification qualified analysis is continued; when the NFC signal reflection interference value is greater than the preset reflection interference threshold value obtained from the database, NFC signal reflection interference optimization is performed; the specific steps of NFC signal reflection interference optimization are as follows: first, interference frequency filtering processing is performed; when the monitored NFC signal reflection interference value is not greater than the preset reflection interference threshold value, the execution is stopped; otherwise, the second step is executed; the interference frequency filtering processing means sending a prompt to the preset personnel to filter the interference frequency through a band-pass filter; second, channel receiving setting is performed; when the monitored NFC signal reflection interference value is not greater than the preset reflection interference threshold value, the execution is stopped; otherwise, the third step is executed; the channel receiving setting means setting the number of standby receiving channels by a preset multiple; third, NFC antenna angle dynamic display is performed; when the monitored NFC signal reflection interference value is not greater than the preset reflection interference threshold value, the execution is stopped; otherwise, an alarm prompt is sent to the preset personnel.

[0061] In the embodiment, the preset reflection interference threshold value is represented by the average value of the NFC signal reflection interference value in the historical time period; when the monitored NFC signal reflection interference value is greater than the preset reflection interference threshold value, NFC signal reflection interference optimization is performed; for example, when the NFC signal reflection interference value is greater than a preset multiple (generally 2 times) of the preset reflection interference threshold value, the interference frequency is first filtered through a band-pass filter, then the number of standby receiving channels is set to be greater than a preset multiple (generally 2 times) of the preset channel number, the preset channel number is pre-set by the preset personnel, and finally the preset multiple (generally 2 times) of the phone tilt angle is set to be less than the preset tilt angle; by monitoring the NFC signal reflection interference value in real time and performing NFC signal reflection interference optimization, it is helpful to reduce payment failure caused by reflection interference, ensure the safety and accuracy of the payment process, and thus achieve the effect of improving the safety and accuracy of the security verification in the process of password-free payment based on mobile phone NFC.

[0062] Further, the specific process of payment and verification qualified analysis is as follows: monitoring and judging the verification data transmission time length and the preset verification data transmission time length; when the verification data transmission time length is greater than the preset verification data transmission time length, sending a verification unqualified prompt through a preset electronic screen; when the verification data transmission time length is not greater than the preset verification data transmission time length, continuing to perform payment operation; the payment operation means transmitting verification qualified data to the payment platform for payment authorization; the verification qualified data means payment related data (such as transaction amount, encryption key, etc.) corresponding to the verification data transmission time length not greater than the preset verification data transmission time length.

[0063] It needs to be added that, as Figure 2 shown, a structure diagram of the security verification system for mobile phone password-free payment provided by the embodiment of the application, the embodiment of the application provides a security verification system for mobile phone password-free payment, comprising a communication range division module, an NFC signal attenuation analysis module and an NFC signal reflection interference analysis module: wherein the communication range division module is used for communication range division based on the obtained communication distance value; the NFC signal attenuation analysis module is used for NFC signal attenuation analysis in the NFC signal attenuation evaluation range, and whether to perform payment and verification qualified analysis after NFC signal attenuation optimization is judged; the NFC signal reflection interference analysis module is used for NFC signal reflection interference analysis in the NFC signal reflection interference evaluation range, and whether to perform payment and verification qualified analysis after NFC signal reflection interference optimization is judged.

[0064] As Figure 3 shown, a detailed flowchart provided by the embodiment of the application, Figure 3 demonstrates the complete process of the application; wherein the embodiment of the application provides an electronic device, which comprises a memory for storing computer program instructions and a processor for executing program instructions, wherein when the computer program instructions are executed by the processor, the electronic device is triggered to execute the security verification method for mobile phone password-free payment.

[0065] In the embodiment, the preset verification data transmission duration is represented by the average value of the historical time period verification data transmission duration; when the verification data transmission duration is greater than the preset verification data transmission duration, it may cause retransmission or error code increase, and further cause payment interruption, and by sending a verification unqualified prompt through the preset electronic screen, it is helpful to reduce the payment risk caused by data transmission delay or failure in time, to ensure that only the verification qualified data can be transmitted to the payment platform for payment authorization, to improve the security of the payment process, and to achieve the effect of improving the security verification accuracy in the password-free payment process based on mobile phone NFC.

[0066] In summary, the embodiment of the application monitors the communication distance value and performs communication range division, then performs NFC signal attenuation analysis in the NFC signal attenuation evaluation range, and judges whether to perform payment and verification qualified analysis, then performs NFC signal reflection interference analysis in the NFC signal reflection interference evaluation range, and finally judges whether to perform payment and verification qualified analysis, so as to realize accurate evaluation of NFC signal attenuation and reflection interference, and further realize the improvement of security verification accuracy in the password-free payment process based on mobile phone NFC, effectively solving the problem of low security verification accuracy in the password-free payment process based on mobile phone NFC in the prior art.

[0067] Those skilled in the art will appreciate that embodiments of the present application can be readily used as software, hardware, or a combination of software and hardware. In one

[0068] The present application is described in reference to the drawings using a flowchart and / or a block diagram of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each block of the flowchart and / or block diagram, and combinations of blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart and / or block diagram block or blocks. Figure 1 one or more functions specified in the flowchart and / or block diagram block or blocks. Figure 1 means for carrying out each of the

[0069] These computer program instructions can also be stored in a computer- readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instructions which implement the Figure 1 one or more functions specified in the flowchart and / or block diagram block or blocks. Figure 1 means for carrying out each of the

[0070] These computer program instructions can also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart and / or block diagram block or blocks. Figure 1 one or more functions specified in the flowchart and / or block diagram block or blocks. Figure 1 means for carrying out each of the

[0071] While preferred embodiments of the application have been described, those skilled in the art will appreciate that additional modifications and variations to the preferred embodiments are possible in light of the above teachings. It is, therefore, intended that the appended claims be construed to cover all such modifications and variations as fall within the true spirit and scope of the present application.

[0072] Obviously, many modifications and variations of the present application are possible in light of the above teachings. It is, therefore, to be understood that within the scope of the appended claims and their equivalents, the application can be practiced otherwise than as specifically described.

Claims

1. A security verification method for mobile phone password-free payment, characterized in that: The following steps are involved: S1, dividing the communication range based on the acquired communication distance value; S2: Perform NFC signal attenuation analysis within the NFC signal attenuation assessment range and determine whether payment and verification qualification analysis is performed after NFC signal attenuation optimization. S3: Perform NFC signal reflection interference analysis within the NFC signal reflection interference assessment range, and determine whether payment and verification qualification analysis is performed after NFC signal reflection interference optimization is performed; The specific process of dividing the communication range based on the acquired communication distance value is as follows: Obtain a communication distance value, which represents the communication distance between the payment phone and the NFC card reader, and determine whether the communication distance value is within the range to be analyzed; If the communication distance value is within the NFC signal attenuation assessment range, then performing NFC signal attenuation analysis based on the acquired attenuation analysis data; If the communication distance value is within the NFC signal reflection interference assessment range, then performing NFC signal reflection interference analysis based on the acquired reflection interference analysis data; If the communication distance value is within the qualified communication range, payment and verification qualification analysis will be carried out directly; The range to be analyzed includes the NFC signal attenuation evaluation range, the NFC signal reflection interference evaluation range, and the qualified communication range; The attenuation analysis data represents quantitative data of the comprehensive impact of the attenuation analysis parameters and the preset attenuation parameters on the NFC signal attenuation, specifically including attenuation and signal power analysis value, attenuation and communication distance analysis value, attenuation and card reader transmission power analysis value, and attenuation and angle analysis value; The attenuation analysis parameters include signal attenuation rate and attenuation analysis data group; The attenuation analysis data group includes the maximum NFC reader signal power, the first communication distance value, the NFC reader transmission power, and the relative tilt angle; The first communication distance value represents a communication distance value within the NFC signal attenuation evaluation range; The relative tilt angle represents the relative angle between the mobile phone and the NFC card reader and the corresponding preset normal line; The reflection interference analysis data represents quantitative data of the comprehensive impact of the reflection interference analysis parameters and the preset reflection interference parameters on the NFC signal reflection interference situation, specifically including the reflection interference and power ratio analysis value, the reflection interference and communication distance analysis value, the reflection interference and phase difference analysis value, and the reflection interference and angle analysis value; The reflection interference analysis parameters include NFC signal reflectivity, average NFC signal power ratio, second communication distance value, average NFC signal phase difference, and relative tilt angle; The second communication distance value represents a communication distance value within an NFC signal reflection interference evaluation range.

2. The security verification method for mobile phone password-free payment according to claim 1, characterized in that: The specific process of performing NFC signal attenuation analysis is as follows: After analyzing the proportion of the preset maximum signal power of the card reader and the maximum signal power of the NFC card reader, a weighted calculation is performed on the attenuation rate reflection factor and the preset attenuation and signal power weights to obtain the attenuation and signal power analysis values; After analyzing the proportion of the first communication distance value and the preset first communication distance value, a weighted operation is performed on the attenuation rate reflection factor and the preset attenuation and communication distance weight to obtain an attenuation and communication distance analysis value, wherein the attenuation rate reflection factor is obtained by analyzing the proportion of the signal attenuation rate and the preset signal attenuation rate; After analyzing the proportion of the preset NFC reader transmission power and the NFC reader transmission power, a weighted calculation is performed on the attenuation rate reflection factor and the preset attenuation and reader transmission power weights to obtain the attenuation and reader transmission power analysis value; After analyzing the proportion of the relative tilt angle and the preset relative tilt angle, a weighted operation is performed on the attenuation rate reflection factor and the preset attenuation and angle weights to obtain the attenuation and angle analysis value; Couple the attenuation analysis data to obtain an NFC signal attenuation value, where the NFC signal attenuation value represents quantitative data of the combined effect of the attenuation analysis parameter and the preset attenuation parameter on the attenuation of the NFC signal in a preset time period; The attenuation and signal power analysis value is used to reflect the combined effect of the signal attenuation rate in the preset time period and the maximum signal power of the NFC reader on the NFC signal attenuation; The attenuation and communication distance analysis value is used to reflect the combined effect of the signal attenuation rate in the preset time period and the first communication distance value on the NFC signal attenuation; The attenuation and reader transmission power analysis value is used to reflect the combined effect of the signal attenuation rate and the NFC reader transmission power on the NFC signal attenuation during the preset time period; The attenuation and angle analysis value is used to reflect the combined effect of the signal attenuation rate and the relative tilt angle on the NFC signal attenuation during a preset time period.

3. The security verification method for mobile phone password-free payment according to claim 1, characterized in that: The specific process of determining whether to perform payment and verification qualification analysis after performing NFC signal attenuation optimization is as follows: If the NFC signal attenuation value is not greater than the preset attenuation threshold obtained from the database, NFC signal attenuation optimization is not performed and payment and verification qualification analysis continues; When the NFC signal attenuation value is greater than the preset attenuation threshold obtained from the database, NFC signal attenuation optimization is performed; The NFC signal attenuation optimization includes dynamic adjustment of the NFC reader transmission power, adjustment of the NFC signal amplification at the receiving end, and dynamic display of the NFC antenna angle; The dynamic display of the NFC antenna angle indicates that a mobile phone tilt angle prompt is sent through a preset electronic screen.

4. The security verification method for mobile phone password-free payment according to claim 1, characterized in that: The specific process of performing NFC signal reflection interference analysis is as follows: After analyzing the average NFC signal power ratio and the preset power ratio, a weighted operation is performed on the preset reflection interference and power ratio weight to obtain the reflection interference and power ratio analysis value; After performing a ratio analysis on the second communication distance value and the preset second communication distance value, a weighted operation is performed on the preset reflection interference and communication distance weight to obtain a reflection interference and communication distance analysis value; After analyzing the proportion of the average NFC signal phase difference and the preset phase difference, a weighted operation is performed with the preset reflection interference and phase difference weights to obtain the reflection interference and phase difference analysis value; After analyzing the proportion of the relative tilt angle and the preset relative tilt angle, a weighted operation is performed with the preset reflection interference and angle weight to obtain the reflection interference and angle analysis value; After coupling processing of the reflection interference analysis data, a weighted operation is performed on the reflectivity reflection factor and the preset reflection interference reflection weight to obtain the NFC signal reflection interference value. The NFC signal reflection interference value is used to reflect the comprehensive impact of the reflection interference analysis parameters and the preset reflection interference parameters on the NFC signal reflection interference situation in the preset time period; The reflection interference and power ratio analysis value represents quantitative data of the effect of the average NFC signal power ratio in a preset time period on the NFC signal reflection interference situation; The reflection interference and communication distance analysis value represents quantitative data of the effect of the second communication distance value in the preset time period on the NFC signal reflection interference situation; The reflection interference and phase difference analysis value represents quantitative data of the effect of the average NFC signal phase difference in a preset time period on the NFC signal reflection interference situation; The reflection interference and angle analysis value represents quantitative data of the effect of the relative tilt angle on the NFC signal reflection interference during a preset time period; The reflectivity reflection factor is obtained by analyzing the proportion of the NFC signal reflectivity and the preset signal reflectivity.

5. The security verification method for mobile phone password-free payment according to claim 1, characterized in that: The specific process of determining whether to perform payment and verification qualification analysis after performing NFC signal reflection interference optimization is as follows: When the NFC signal reflection interference value is not greater than the preset reflection interference threshold obtained from the database, NFC signal reflection interference optimization is not performed and payment and verification qualification analysis continues; When the NFC signal reflection interference value is greater than the preset reflection interference threshold obtained from the database, NFC signal reflection interference optimization is performed; The specific steps of optimizing NFC signal reflection interference are as follows: The first step is to filter out interference frequencies. If the monitored NFC signal reflection interference value is not greater than the preset reflection interference threshold, the process stops, otherwise the second step is executed. The second step is to set the channel reception. When the monitored NFC signal reflection interference value is not greater than the preset reflection interference threshold, the execution stops. Otherwise, the third step is executed. The third step is to dynamically display the NFC antenna angle. When the monitored NFC signal reflection interference value is not greater than the preset reflection interference threshold, the execution is stopped. Otherwise, an alarm is sent to the preset personnel.

6. The security verification method for mobile phone password-free payment according to claim 1, characterized in that: The specific process of payment and verification of qualified analysis is as follows: Monitor and judge the verification data transmission time and the preset verification data transmission time; When the verification data transmission time is longer than the preset verification data transmission time, a verification failure prompt is sent through the preset electronic screen; When the verification data transmission time is not longer than the preset verification data transmission time, the payment operation continues.

7. A security verification system for mobile phone password-free payment, characterized in that: A security verification method for mobile phone password-free payment as claimed in any one of claims 1 to 6, comprising a communication range division module, an NFC signal attenuation analysis module, and an NFC signal reflection interference analysis module: Wherein, the communication range division module is used to divide the communication range based on the acquired communication distance value; The NFC signal attenuation analysis module is used to perform NFC signal attenuation analysis within the NFC signal attenuation evaluation range and determine whether to perform payment and verification qualification analysis after performing NFC signal attenuation optimization; The NFC signal reflection interference analysis module is used to perform NFC signal reflection interference analysis within the NFC signal reflection interference evaluation range, and determine whether to perform payment and verification qualification analysis after performing NFC signal reflection interference optimization.

8. An electronic device, characterized in that: The electronic device includes a memory for storing computer program instructions and a processor for executing program instructions, wherein, when the computer program instructions are executed by the processor, the electronic device is triggered to execute the security verification method for mobile phone password-free payment as described in any one of claims 1-6.

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