CN102256001B - Near field payment method for smart phone - Google Patents
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- CN102256001B CN102256001B CN201110084272.0A CN201110084272A CN102256001B CN 102256001 B CN102256001 B CN 102256001B CN 201110084272 A CN201110084272 A CN 201110084272A CN 102256001 B CN102256001 B CN 102256001B
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Abstract
The invention discloses a near field payment method for a smart phone. The scheme is that: the phone without a near field communication (NFC) chip and a smart memory card with an encryption algorithm are adopted, a digital certificate of a bank card is downloaded into the smart memory card matched with the digital certificate as a payment voucher, the smart memory card is inserted into the smart phone, and near field communication trading software is installed in a memory of a body of the smart phone or in the smart memory card. The smart phone is held close to a point of sale (POS) terminal, performs near field communication with the POS terminal by utilizing own wireless communication technology of the phone and obtains bank card operation authority by authenticating the digital certificate, and a trading amount is displayed on the POS terminal and the phone. The near field communication trading software in the smart phone realizes mobile payment. In the method, the use of the NFC chip is avoided and an NFC antenna is not required to be arranged or modified in the smart phone. When NFC mobile phones are not popularized in China, the method can be used as a transitional scheme for the near field payment of the phone.
Description
Technical field
The present invention relates to a kind of near field payment method for smart phone.
Background technology
Mobile-phone payment is exactly that the user uses mobile terminal device to carry out to commodity or the service of consuming a kind of method of service that account is paid.Wherein mobile terminal device is often referred to mobile phone.At present, the mobile phone near field means of payment mainly is based near field communication (NFC) (being NFC, Near Field Communication) and completes the account payment.Realize the method for mobile-phone payment based on the short distance wireless communication technology, can support the several functions such as E-Payment and data download.Realize the mobile-phone payment mode based on the short distance wireless communication technology, two kinds of technical schemes are arranged, the first is directly used the mobile phone with the NFC chip; The second is that the smart mobile phone that there is no the NFC chip is installed additional identification equipment.Wherein, identification equipment is NFC chip and antenna.Be that the NFC chip is embedded in Mobile phone card (SIM card or UIM card) in prior art, install afterwards the NFC antenna additional on smart mobile phone.Antenna dual mode is installed, a kind of is at the communication interface of smart mobile phone, external antenna to be installed, another kind is to be embedded in built-in aerial at smart mobile phone.But no matter adopt which kind of technical scheme, all to use the close range wireless communication chip, i.e. the NFC chip.
At present, China promotes the use of wireless communication technique and carries out mobile phone near field payment, has following shortcoming and defect.
The first, China to use the mobile phone of NFC chip to hold rate low, do not have the smart mobile phone of NFC chip to hold rate high.At first Nokia in 2005 releases the mobile phone Nokia 3220 that first item has the NFC function in the whole world, till 2010, what possess the NFC function in the mobile phone of global shipment only accounts for 4.1% of total amount, and mostly concentrates on western developed country.According to the world-leading iSuppli of market research agency prediction for electronic manufacturing field, even if to the end of the year 2014, the shipment amount of NFC mobile phone also can only arrive 13% of total amount.And in China, the NFC mobile phone volume of holding will be far below developed country's level, and the ratio that accounts for the mobile phone total amount may be less than 1%.But not the smart phone user of NFC chip is seen everywhere.
The second, existing common smart mobile phone is installed additional the NFC identification equipment, the user is difficult to accept.The NFC chip is embedded in Mobile phone card (SIM card or UIM card), and smart phone user will be changed a new Mobile phone card again; Adopt external antenna, when using mobile-phone payment, also want external external antenna, can not realize convenient payment; Adopt built-in aerial, reequip smart mobile phone.
Therefore, under the huge prerequisite of China's smart mobile phone volume of holding, whether can develop a kind of method that realizes mobile phone near field payment on smart mobile phone there is no the NFC chip, and not changing the original physical structure of smart mobile phone, do not install additional or change any parts, is that China realized the transition scheme of mobile phone near field payment before universal NFC mobile phone.
Summary of the invention
Technical problem to be solved by this invention is, overcomes above deficiency, and a kind of close range wireless communication chip that do not need to use is provided, and just can realize near field payment method for smart phone.
In order to solve the problems of the technologies described above, the first technical scheme of the present invention is: a kind of near field payment method for smart phone comprises the following steps:
S1 installs the near-field communication transaction software on the fuselage internal memory of smart mobile phone;
S2 downloads to the digital certificate of bank card on the intelligent memory card with cryptographic algorithm that is complementary with described digital certificate, replaces in the memory card slot with the smart mobile phone of wireless communication function described intelligent memory card is installed;
S3 starts the near-field communication transaction software, checks whether intelligent memory card correctly is arranged in the memory card slot of smart mobile phone;
S4 if the incorrect installation of the intelligent memory card in step S3 continues execution in step S3, if intelligent memory card is correctly installed, checks whether the digital certificate in step S2 mates;
S5 if the digital certificate of step S2 does not mate, continues execution in step S4, if the digital certificate in step S2 mates, opens the wireless communication function of smart mobile phone, sends handshake to the POS terminal;
S6, unsuccessful if the handshake in step S5 is shaken hands, continue execution in step S5, if handshake is shaken hands successfully, smart mobile phone is set up wireless telecommunications with the POS terminal and is connected;
S7 receives the trading instruction from the POS terminal on smart mobile phone, and shows dealing money, and payment selected whether to confirm in the protection password of the digital certificate in input step S2;
S8 when select confirming not pay, inquires whether continuous business in step S7, if step S7 is returned in continuous business, if the near-field communication transaction software is withdrawed from not continuous business, and disconnect smart mobile phone and be connected with the wireless telecommunications of POS terminal; When select confirming payment in step S7, send transaction message to the POS terminal, and use digital certificate signature, receive and show the transaction results of this and POS terminal on smart mobile phone;
S9 inquires whether continuous business, if step S7 is returned in continuous business, if the near-field communication transaction software is withdrawed from not continuous business, and disconnects smart mobile phone and is connected with the wireless telecommunications of POS terminal.
Further, described wireless telecommunications are infrared-ray communication.
Further, described wireless telecommunications are bluetooth communication.
Further, described wireless telecommunications are the WIFI communication.
The advantage of the technical program is: do not need to install the NFC chip, do not change former Mobile phone card (SIM card or UIM card), not to installing or reequip antenna on smart mobile phone additional, only need to replace in the memory card slot of the smart mobile phone that there is no the NFC chip intelligent memory card with cryptographic algorithm is installed, and the digital certificate that intelligent memory card is complementary is downloaded on intelligent memory card, and on the fuselage internal memory, the near-field communication transaction software is installed.Start near-field communication software, just can realize mobile phone near field payment by step S3 to S9.The technical program is based on the wireless telecommunications interconnection technique that smart mobile phone carries, and smart mobile phone and POS terminal must have the wireless communication function that is complementary simultaneously.The technical program be with smart mobile phone and bank card by the intelligent memory card with cryptographic algorithm and the digital certificate that is complementary, and the near-field communication transaction software realizes the mobile phone near field payment that number is larger.
In order to solve the problems of the technologies described above, the second technical scheme of the present invention is: a kind of near field payment method for smart phone comprises the following steps:
S1, the digital certificate of bank card is downloaded on the intelligent memory card with cryptographic algorithm that is complementary with described digital certificate, and near field communication transaction software is arranged on described intelligent memory card, will described intelligent memory card be installed with replacing in the memory card slot of the smart mobile phone of wireless communication function;
S2 starts the near-field communication transaction software, checks whether the digital certificate in step S1 mates;
S3 if the digital certificate of step S1 does not mate, continues execution in step S2, if the digital certificate in step S1 mates, opens the wireless communication function of smart mobile phone, sends handshake to the POS terminal;
S4, unsuccessful if the handshake in step S3 is shaken hands, continue execution in step S3, if handshake is shaken hands successfully, smart mobile phone is set up wireless telecommunications with the POS terminal and is connected;
S5 receives the trading instruction from the POS terminal on smart mobile phone, and shows dealing money, and payment selected whether to confirm in the protection password of the digital certificate in input step S1;
S6 when select confirming not pay, inquires whether continuous business in step S5, if step S5 is returned in continuous business, if the near-field communication transaction software is withdrawed from not continuous business, and disconnect smart mobile phone and be connected with the wireless telecommunications of POS terminal; When select confirming payment in step S5, send transaction message to the POS terminal, and use digital certificate signature, receive and show the transaction results of this and POS terminal on smart mobile phone;
S7 inquires whether continuous business, if step S5 is returned in continuous business, if the near-field communication transaction software is withdrawed from not continuous business, and disconnects smart mobile phone and is connected with the wireless telecommunications of POS terminal.
Further, described wireless telecommunications are infrared-ray communication.
Further, described wireless telecommunications are bluetooth communication.
Further, described wireless telecommunications are the WIFI communication.
The technical program, do not need to install the NFC chip, do not change former Mobile phone card (SIM card or UIM card), not to installing or reequip antenna on smart mobile phone additional, only need to replace in the memory card slot of the smart mobile phone that there is no the NFC chip intelligent memory card with cryptographic algorithm is installed, and the digital certificate that intelligent memory card is complementary is downloaded on intelligent memory card.Be with the difference of the first technical scheme: the near-field communication transaction software is arranged on the position of the memory cell of smart mobile phone, and the technical program is arranged near field communication transaction software in intelligent memory card, rather than in the fuselage internal memory of smart mobile phone.Start near-field communication software, just can realize mobile phone near field payment by step S2 to S7.
The payment principle of above-mentioned two kinds of technical schemes is: adopt smart mobile phone and the intelligent memory card with cryptographic algorithm that the NFC chip is not installed, the digital certificate of energy representative of consumer bank card rights of using is downloaded in the intelligent memory card that is complementary with this digital certificate as evidence for payment, then intelligent memory card is inserted smart mobile phone, the near-field communication transaction software is installed in the fuselage internal memory of smart mobile phone or in intelligent memory card simultaneously.With the close POS terminal of this smart mobile phone, utilize the wireless communication techniques such as bluetooth, infrared ray, WIFI and POS terminal to carry out near-field communication, obtain the bank card authorization by the digital certificate in the authentication intelligent storage card, then show dealing money respectively in POS terminal display screen and mobile phone screen, check for the user.Confirm payment by the prompting of the transaction software in smart mobile phone user at last, obtaining completing payment transaction after the user confirms to operate, realize mobile-phone payment.Above two kinds of technical schemes before China does not have universal mobile phone with the NFC chip, can be used as the transition scheme of mobile phone near field payment.
Description of drawings
Fig. 1 is after near field payment method for smart phone embodiment 1 of the present invention, the near-field communication transaction software starts, mobile-phone payment transaction flow figure;
After Fig. 2 is near field payment method for smart phone embodiment 2 midfield communication transaction software startups of the present invention, mobile-phone payment transaction flow figure.
Embodiment
The present invention is described in detail below in conjunction with accompanying drawing:
Embodiment 1:
As shown in Figure 1, a kind of near field payment method for smart phone comprises the following steps:
S1 installs the near-field communication transaction software on the fuselage internal memory of smart mobile phone;
S2 downloads to the digital certificate of bank card on the intelligent memory card with cryptographic algorithm that is complementary with described digital certificate, replaces the described intelligent memory card of installation steps S1 in the memory card slot with the smart mobile phone of wireless communication function;
S3 starts the near-field communication transaction software, checks whether intelligent memory card correctly is arranged in the memory card slot of smart mobile phone;
S4 if the incorrect installation of the intelligent memory card in step S3 continues execution in step S3, if intelligent memory card is correctly installed, checks whether the digital certificate in step S2 mates;
S5 if the digital certificate of step S2 does not mate, continues execution in step S4, if the digital certificate in step S2 mates, opens the wireless communication function of smart mobile phone, sends handshake to the POS terminal;
S6, unsuccessful if the handshake in step S5 is shaken hands, continue execution in step S5, if handshake is shaken hands successfully, smart mobile phone is set up wireless telecommunications with the POS terminal and is connected;
S7 receives the trading instruction from the POS terminal on smart mobile phone, and shows dealing money, and payment selected whether to confirm in the protection password of the digital certificate in input step S2;
S8 when select confirming not pay, inquires whether continuous business in step S7, if step S7 is returned in continuous business, if the near-field communication transaction software is withdrawed from not continuous business, and disconnect smart mobile phone and be connected with the wireless telecommunications of POS terminal; When select confirming payment in step S7, send transaction message to the POS terminal, and use digital certificate signature, receive and show the transaction results of this and POS terminal on smart mobile phone;
S9 inquires whether continuous business, if step S7 is returned in continuous business, if the near-field communication transaction software is withdrawed from not continuous business, and disconnects smart mobile phone and is connected with the wireless telecommunications of POS terminal.
The advantage of the technical program is: do not need to install the NFC chip, do not change former Mobile phone card (SIM card or UIM card), not to installing or reequip antenna on smart mobile phone additional, only need to replace in the memory card slot of the smart mobile phone that there is no the NFC chip intelligent memory card with cryptographic algorithm is installed, and the digital certificate that intelligent memory card is complementary is downloaded on intelligent memory card, and on the fuselage internal memory, the near-field communication transaction software is installed.Start near-field communication software, just can realize mobile phone near field payment by step S3 to S9.The technical program is based on the wireless telecommunications interconnection technique of mobile phone, and smart mobile phone and POS terminal must have the wireless communication function that is complementary simultaneously.The technical program be with smart mobile phone and bank card by the intelligent memory card with cryptographic algorithm and the digital certificate that is complementary, and the near-field communication transaction software realizes the mobile phone near field payment that number is larger.Wherein, bank card can be debit card, can be also credit card.Wireless telecommunications can be infrared-ray communication, and the wireless telecommunications of its foundation are connected to infrared ray and connect; Can be also bluetooth communication, the wireless telecommunications of its foundation be connected to bluetooth communication and connect; Can also be the WIFI communication, the wireless telecommunications of its foundation be connected to the WIFI communication and connect.
Fig. 1 is after in the present embodiment 1, the near-field communication transaction software starts, mobile-phone payment transaction flow figure.Be step S3-S9.In Fig. 1, beginning is the enabling signal of near-field communication transaction software.End up being the end signal that disconnects the near-field communication transaction software.
The below introduces this mobile phone near field payment method take the digital certificate of agricultural bank as example.
Step 2. user is the authorization code of digital certificate and reference code input agricultural bank website, and the website is with the auto-initiation intelligent memory card, and the prompting user arranges the protection password.After the password setting was completed, the digital certificate that the website will be bound the personal bank card account number automatically downloaded in intelligent memory card.
The intelligent memory card that step 3. will be equipped with the digital certificate of Web bank of agricultural bank is inserted in the smart mobile phone that there is no the NFC chip.Described smart mobile phone is with Bluetooth function.
Step 4. is installed near field payment transaction software in smart mobile phone.
Step 5. user completes in the market free choice of goods and accounting, when needing payment, opens the near field payment transaction software in mobile phone, and with the close POS terminal with Bluetooth function of mobile phone.
Step 6. cashier selects the mobile-phone payment pattern and inputs payment, will demonstrate simultaneously amount payable in the client display screen of POS terminal and mobile phone screen.After user's confirmation, near field payment transaction software prompt user inputs Net silver certificate protection password.
After step 7. user inputted correct protection password and confirmation, near field payment transaction software was authorized withholing of user and is handed to the POS terminal.
Step 8.POS terminal returns near field payment transaction software with transaction results after carrying out the operation of withholing.
After step 9. near field payment transaction software obtained transaction results, the information of concluding the business " Transaction Success " was presented in mobile phone screen.
Step 10. finishes.
Embodiment 2:
As shown in Figure 2, a kind of near field payment method for smart phone of the present invention comprises the following steps:
S1, the digital certificate of bank card is downloaded on the intelligent memory card with cryptographic algorithm that is complementary with described digital certificate, and near field communication transaction software is arranged on described intelligent memory card, will described intelligent memory card be installed with replacing in the memory card slot of the smart mobile phone of wireless communication function;
S2 starts the near-field communication transaction software, checks whether the digital certificate in step S1 mates;
S3 if the digital certificate of step S1 does not mate, continues execution in step S2, if the digital certificate in step S1 mates, opens the wireless communication function of smart mobile phone, sends handshake to the POS terminal;
S4, unsuccessful if the handshake in step S3 is shaken hands, continue execution in step S3, if handshake is shaken hands successfully, smart mobile phone is set up wireless telecommunications with the POS terminal and is connected;
S5 receives the trading instruction from the POS terminal on smart mobile phone, and shows dealing money, and payment selected whether to confirm in the protection password of the digital certificate in input step S1;
S6 when select confirming not pay, inquires whether continuous business in step S5, if step S5 is returned in continuous business, if the near-field communication transaction software is withdrawed from not continuous business, and disconnect smart mobile phone and be connected with the wireless telecommunications of POS terminal; When select confirming payment in step S5, send transaction message to the POS terminal, and use digital certificate signature, receive and show the transaction results of this and POS terminal on smart mobile phone;
S7 inquires whether continuous business, if step S5 is returned in continuous business, if the near-field communication transaction software is withdrawed from not continuous business, and disconnects smart mobile phone and is connected with the wireless telecommunications of POS terminal.
Wherein, bank card can be debit card, can be also credit card.Wireless telecommunications can be infrared-ray communication, and the wireless telecommunications of its foundation are connected to infrared ray and connect; Can be also bluetooth communication, the wireless telecommunications of its foundation be connected to bluetooth communication and connect; Can also be the WIFI communication, the wireless telecommunications of its foundation be connected to the WIFI communication and connect.
The technical program, do not need to install the NFC chip, do not change former Mobile phone card (SIM card or UIM card), not to installing or reequip antenna on smart mobile phone additional, only need to replace in the memory card slot of the smart mobile phone that there is no the NFC chip intelligent memory card with cryptographic algorithm is installed, and the digital certificate that intelligent memory card is complementary is downloaded on intelligent memory card.Be with the difference of the first technical scheme: the near-field communication transaction software is arranged on the position of the memory cell of smart mobile phone, and the technical program is arranged near field communication transaction software in intelligent memory card, rather than in the fuselage internal memory of smart mobile phone.Start near-field communication software, just can realize mobile phone near field payment by step S2 to S7.
Fig. 2 is after the present embodiment 2 near-field communication transaction software start, mobile-phone payment transaction flow figure.That is, step S2-S7, in Fig. 2, beginning is the enabling signal of near-field communication transaction software.End up being the end signal that disconnects the near-field communication transaction software.
The payment principle of above-mentioned two kinds of technical schemes is: adopt smart mobile phone and the intelligent memory card with cryptographic algorithm that the NFC chip is not installed, the digital certificate of energy representative of consumer bank card rights of using is downloaded in the intelligent memory card that is complementary with this digital certificate as evidence for payment, then intelligent memory card is inserted smart mobile phone, the near-field communication transaction software is installed in the fuselage internal memory of smart mobile phone or in intelligent memory card simultaneously.With the close POS terminal of this smart mobile phone, utilize the wireless communication techniques such as bluetooth, infrared ray, WIFI and POS terminal to carry out near-field communication, obtain the bank card authorization by the digital certificate in the authentication intelligent storage card, then show dealing money respectively in POS terminal display screen and mobile phone screen, check for the user.Confirm payment by the prompting of the transaction software in smart mobile phone user at last, obtaining completing payment transaction after the user confirms to operate, realize mobile-phone payment.Above two kinds of technical schemes before China does not have universal smart mobile phone with the NFC chip, can be used as the transition scheme of smart mobile phone near field payment.
Above-mentioned two kinds of technical schemes, although use the digital certificate of bank card, but do not utilize Web bank's payment platform, its transaction is as follows: the near-field communication transaction software read in digital certificate certificate serial number as the payment card number, together import the encryption chip of intelligent memory card into together with dealing money and other Transaction Information, chip uses certificate private key that all information are done digital signature and returned to the near-field communication transaction software.The near-field communication transaction software is passed to the POS terminal after Transaction Information original text and signing messages are merged into transaction message according to the certain format coding, the POS terminal with the mobile phone transaction message according to process the tradition identical mode of transaction message of swiping the card and submit to third party's financial sector to process.Wherein third party's financial sector, be the UnionPay of Unionpay or prestige scholar VISA or Master MasterCard.
Claims (8)
1. near field payment method for smart phone is characterized in that: comprise the following steps:
S1 installs the near-field communication transaction software on the fuselage internal memory of smart mobile phone;
S2 downloads to the digital certificate of bank card on the intelligent memory card with cryptographic algorithm that is complementary with described digital certificate, replaces in the memory card slot with the smart mobile phone of wireless communication function described intelligent memory card is installed;
S3 starts the near-field communication transaction software, checks whether intelligent memory card correctly is arranged in the memory card slot of smart mobile phone;
S4 if the incorrect installation of the intelligent memory card in step S3 continues execution in step S3, if intelligent memory card is correctly installed, checks whether the digital certificate in step S2 mates;
S5 if the digital certificate of step S2 does not mate, continues execution in step S4, if the digital certificate in step S2 mates, opens the wireless communication function of smart mobile phone, sends handshake to the POS terminal with wireless communication function;
S6, unsuccessful if the handshake in step S5 is shaken hands, continue execution in step S5, if handshake is shaken hands successfully, smart mobile phone is set up wireless telecommunications with the POS terminal and is connected;
S7 receives the trading instruction from the POS terminal on smart mobile phone, and shows dealing money, and payment selected whether to confirm in the protection password of the digital certificate in input step S2;
S8 when select confirming not pay, inquires whether continuous business in step S7, if step S7 is returned in continuous business, if the near-field communication transaction software is withdrawed from not continuous business, and disconnect smart mobile phone and be connected with the wireless telecommunications of POS terminal; When select confirming payment in step S7, send transaction message to the POS terminal, and use digital certificate signature, receive and show the transaction results of this and POS terminal on smart mobile phone;
S9 inquires whether continuous business, if step S7 is returned in continuous business, if the near-field communication transaction software is withdrawed from not continuous business, and disconnects smart mobile phone and is connected with the wireless telecommunications of POS terminal.
2. near field payment method for smart phone according to claim 1, it is characterized in that: described wireless telecommunications are infrared-ray communication.
3. near field payment method for smart phone according to claim 1, it is characterized in that: described wireless telecommunications are bluetooth communication.
4. near field payment method for smart phone according to claim 1, it is characterized in that: described wireless telecommunications are the WIFI communication.
5. near field payment method for smart phone is characterized in that: comprise the following steps:
S1, the digital certificate of bank card is downloaded on the intelligent memory card with cryptographic algorithm that is complementary with described digital certificate, and near field communication transaction software is arranged on described intelligent memory card, will described intelligent memory card be installed with replacing in the memory card slot of the smart mobile phone of wireless communication function;
S2 starts the near-field communication transaction software, checks whether the digital certificate in step S1 mates;
S3 if the digital certificate of step S2 does not mate, continues execution in step S2, if the digital certificate in step S2 mates, opens the wireless communication function of smart mobile phone, sends handshake to the POS terminal with wireless communication function;
S4, unsuccessful if the handshake in step S3 is shaken hands, continue execution in step S3, if handshake is shaken hands successfully, smart mobile phone is set up wireless telecommunications with the POS terminal and is connected;
S5 receives the trading instruction from the POS terminal on smart mobile phone, and shows dealing money, and payment selected whether to confirm in the protection password of the digital certificate in input step S1;
S6 when select confirming not pay, inquires whether continuous business in step S5, if step S5 is returned in continuous business, if the near-field communication transaction software is withdrawed from not continuous business, and disconnect smart mobile phone and be connected with the wireless telecommunications of POS terminal; When select confirming payment in step S5, send transaction message to the POS terminal, and use digital certificate signature, receive and show the transaction results of this and POS terminal on smart mobile phone;
S7 inquires whether continuous business, if step S5 is returned in continuous business, if the near-field communication transaction software is withdrawed from not continuous business, and disconnects smart mobile phone and is connected with the wireless telecommunications of POS terminal.
6. near field payment method for smart phone according to claim 5, it is characterized in that: described wireless telecommunications are infrared-ray communication.
7. near field payment method for smart phone according to claim 5, it is characterized in that: described wireless telecommunications are bluetooth communication.
8. near field payment method for smart phone according to claim 5, it is characterized in that: described wireless telecommunications are connected to the WIFI communication.
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| CN201110084272.0A CN102256001B (en) | 2011-04-02 | 2011-04-02 | Near field payment method for smart phone |
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