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CN105678539A - NFC payment method of wearable device - Google Patents

NFC payment method of wearable device Download PDF

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Publication number
CN105678539A
CN105678539A CN201610019537.1A CN201610019537A CN105678539A CN 105678539 A CN105678539 A CN 105678539A CN 201610019537 A CN201610019537 A CN 201610019537A CN 105678539 A CN105678539 A CN 105678539A
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heart rate
feature
ecg
current user
user
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王强
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Guangdong Genius Technology Co Ltd
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Guangdong Genius Technology Co Ltd
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    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks

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  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Measurement Of The Respiration, Hearing Ability, Form, And Blood Characteristics Of Living Organisms (AREA)
  • Telephone Function (AREA)

Abstract

The invention discloses an NFC payment method and system of wearable equipment. The method comprises the following steps: receiving an NFC payment instruction; determining that the wearable equipment is in a wearing state; acquiring the electrocardio characteristics or heart rate characteristics of the current user, and determining that the current user is a legal user according to the electrocardio characteristics or the heart rate characteristics; and starting NFC to pay. When the wearable device is worn, when an NFC payment instruction is received, the watch automatically acquires the electrocardio characteristics or the heart rate characteristics of the current user to verify whether the current user is a legal user, if so, the NFC is started for payment, the watch automatically acquires the electrocardio characteristics or the heart rate characteristics of the current user to verify whether the current user is legal, manual identity verification by the user is not needed, great convenience is achieved, NFC payment is only performed when the current user is a legal user, and safety is very high.

Description

一种穿戴设备的NFC支付方法A kind of NFC payment method of wearable equipment

技术领域technical field

本发明涉及NFC支付技术领域,尤其涉及一种穿戴设备的NFC支付方法和系统。The invention relates to the technical field of NFC payment, in particular to an NFC payment method and system for wearable devices.

背景技术Background technique

目前利用NFC(NearFieldCommunication,近场通信)实现支付已经在很多智能设备上实现,比如苹果的applepay,LG、三星的手表也都在大力推广其利用NFC的移动支付,最主要的原因是其方便,支付上甚至不需要密码,只是靠近接收设备就可以完成支付,但是此方法也存在着安全隐患,当用户手表丢失或者被其他人拿着时也能完成支付,这对用户的账户安全性没有保障。At present, the use of NFC (Near Field Communication, near field communication) to realize payment has been realized on many smart devices, such as Apple's applepay, LG and Samsung's watches are also vigorously promoting their mobile payment using NFC. The main reason is its convenience. The payment does not even require a password, and the payment can be completed just by being close to the receiving device, but this method also has security risks. When the user's watch is lost or held by others, the payment can also be completed, which does not guarantee the security of the user's account. .

发明内容Contents of the invention

本发明的目的在于提供穿戴设备的NFC支付方法和系统,通过穿戴设备自动采集当前用户的心电特征或心率特征来验证当前用户是否合法,不需要用户手动进行身份验证,具有极大的便捷性,只有当前用户为合法用户才进行NFC支付,安全性非常强。The purpose of the present invention is to provide an NFC payment method and system for wearable devices, which can automatically collect the current user's ECG or heart rate characteristics through the wearable device to verify whether the current user is legal, does not require the user to manually perform identity verification, and has great convenience , only the current user is a legitimate user to make NFC payment, and the security is very strong.

为达此目的,本发明采用以下技术方案:For reaching this purpose, the present invention adopts following technical scheme:

第一方面,一种穿戴设备的NFC支付方法,包括:In the first aspect, an NFC payment method for a wearable device includes:

接收到NFC支付指令;Receive NFC payment instruction;

确定穿戴设备为穿戴状态;Determine that the wearable device is in the wearable state;

获取当前用户的心电特征或心率特征,根据所述心电特征或心率特征确定当前用户为合法用户;Obtain the ECG or heart rate characteristics of the current user, and determine that the current user is a legitimate user according to the ECG or heart rate characteristics;

启动NFC进行支付。Activate NFC to make payment.

其中,所述接收到NFC支付指令之前,还包括,预存合法用户的心电特征或心率特征。Wherein, before receiving the NFC payment instruction, it also includes pre-storing the ECG feature or heart rate feature of the legitimate user.

其中,所述根据所述心电特征或心率特征确定当前用户为合法用户,包括:Wherein, the determining that the current user is a legitimate user according to the ECG feature or heart rate feature includes:

将当前用户的心电特征或心率特征与预存的合法用户的心电特征或心率特征进行比较,确定当前用户的心电特征或心率特征与预存的合法用户的心电特征或心率特征匹配,则当前用户为合法用户。Compare the current user's ECG feature or heart rate feature with the pre-stored legitimate user's ECG feature or heart rate feature, determine that the current user's ECG feature or heart rate feature matches the pre-stored legitimate user's ECG feature or heart rate feature, then The current user is a legitimate user.

其中,所述确定穿戴设备为穿戴状态,包括:检测到当前用户的心电特征或心率特征,则穿戴设备为穿戴状态。Wherein, the determining that the wearable device is in the wearing state includes: detecting the current user's ECG feature or heart rate feature, and then the wearable device is in the wearing state.

其中,所述获取当前用户的心率特征或者心电特征或心率特征之后,还包括:根据所述心电特征或心率特征确定当前用户为非法用户,禁止NFC支付;Wherein, after the acquisition of the heart rate feature or the ECG feature or the heart rate feature of the current user, it also includes: determining that the current user is an illegal user according to the ECG feature or the heart rate feature, and prohibiting NFC payment;

向预置终端发送告警信息;Send alarm information to preset terminals;

将获取的当前用户的心率特征或者心电特征或心率特征发送到云端服务器。Send the acquired heart rate feature or ECG feature or heart rate feature of the current user to the cloud server.

其中,所述心电特征为心电图波形,所述心率特征在心率波形。Wherein, the electrocardiographic feature is an electrocardiogram waveform, and the heart rate feature is a heart rate waveform.

第二方面,一种穿戴设备的NFC支付系统,包括:In the second aspect, an NFC payment system for wearable devices, including:

接收模块,用于接收到NFC支付指令;A receiving module, configured to receive an NFC payment instruction;

第一确定模块,用于确定穿戴设备为穿戴状态;The first determining module is used to determine that the wearable device is in a wearing state;

第二确定模块,用于获取当前用户的心电特征或心率特征,根据所述心电特征或心率特征确定当前用户为合法用户;The second determining module is used to obtain the ECG or heart rate characteristics of the current user, and determine that the current user is a legal user according to the ECG or heart rate characteristics;

支付模块,用于启动NFC完成支付。The payment module is used to start NFC to complete the payment.

其中,所述根据所述心电特征或心率特征确定当前用户为合法用户,包括:Wherein, the determining that the current user is a legitimate user according to the ECG feature or heart rate feature includes:

将当前用户的心电特征或心率特征与预存的合法用户的心电特征或心率特征进行比较,确定当前用户的心电特征或心率特征与预存的合法用户的心电特征或心率特征匹配,则当前用户为合法用户。Compare the current user's ECG feature or heart rate feature with the pre-stored legitimate user's ECG feature or heart rate feature, determine that the current user's ECG feature or heart rate feature matches the pre-stored legitimate user's ECG feature or heart rate feature, then The current user is a legitimate user.

所述确定模块具体用于:检测到当前用户的心电特征或心率特征,则穿戴设备为穿戴状态。The determining module is specifically configured to: detect the current user's ECG feature or heart rate feature, then the wearable device is in the wearing state.

其中,所述NFC支付系统还包括:Wherein, the NFC payment system also includes:

预存模块,用于预存合法用户的心电特征或心率特征;Pre-storage module, used for pre-storing the ECG characteristics or heart rate characteristics of legal users;

第三确定模块,用于根据所述心电特征或心率特征确定当前用户为非法用户,禁止NFC支付;The third determination module is used to determine that the current user is an illegal user according to the electrocardiographic characteristics or heart rate characteristics, and prohibits NFC payment;

第一发送模块,用于向预置终端发送告警信息;The first sending module is used to send alarm information to preset terminals;

第二发送模块,用于将获取的当前用户的心率特征或者心电特征或心率特征发送到云端服务器。The second sending module is used to send the acquired heart rate feature or ECG feature or heart rate feature of the current user to the cloud server.

其中,所述心电特征为心电图波形,所述心率特征在心率波形。Wherein, the electrocardiographic feature is an electrocardiogram waveform, and the heart rate feature is a heart rate waveform.

本发明公开了一种穿戴设备的NFC支付方法和系统,通过穿戴设备被佩戴时,当接收到NFC支付指令,手表自动采集当前用户的心电特征或心率特征来验证当前用户是否为合法用户,若是则启动NFC进行支付,手表自动采集当前用户的心电特征或心率特征来验证当前用户是否合法,不需要用户手动进行身份验证,具有极大的便捷性,只有当前用户为合法用户才进行NFC支付,安全性非常强。The invention discloses an NFC payment method and system for a wearable device. When the wearable device is worn, when receiving an NFC payment instruction, the watch automatically collects the current user's ECG or heart rate characteristics to verify whether the current user is a legitimate user. If so, start NFC for payment. The watch automatically collects the current user's ECG or heart rate characteristics to verify whether the current user is legal. It does not require the user to manually authenticate, which is very convenient. Only the current user is a legitimate user before performing NFC. Payment, security is very strong.

附图说明Description of drawings

图1是本发明提供的一种穿戴设备的NFC支付方法第一实施例的方法流程图。Fig. 1 is a method flowchart of the first embodiment of an NFC payment method for a wearable device provided by the present invention.

图2是本发明提供的一种穿戴设备的NFC支付方法第二实施例的方法流程图。Fig. 2 is a method flowchart of a second embodiment of an NFC payment method for a wearable device provided by the present invention.

图3是本发明提供的一种穿戴设备的NFC支付系统第一实施例的结构方框图。Fig. 3 is a structural block diagram of a first embodiment of an NFC payment system for a wearable device provided by the present invention.

图4是本发明提供的一种穿戴设备的NFC支付系统第二实施例的结构方框图。Fig. 4 is a structural block diagram of a second embodiment of an NFC payment system for a wearable device provided by the present invention.

具体实施方式detailed description

下面结合附图并通过具体实施方式来进一步说明本发明的技术方案。The technical solutions of the present invention will be further described below in conjunction with the accompanying drawings and through specific implementation methods.

实施例一Embodiment one

如图1所示,一种穿戴设备的NFC支付方法,包括以下步骤:As shown in Figure 1, an NFC payment method for a wearable device includes the following steps:

S101、接收到NFC支付指令。S101. An NFC payment instruction is received.

用户在需要支付时开启穿戴设备上的NFC支付功能。NFC支付是一种新兴的移动支付方式,支付的处理在现场进行,并且在线下进行,不需要使用移动网络,而是使用NFC射频通道实现与POS收款机或自动售货机等设备的本地通讯。NFC近距离无线通讯是近场支付的主流技术,它是一种短距离的高频无线通讯技术,允许电子设备之间进行非接触式点对点数据传输交换数据。The user turns on the NFC payment function on the wearable device when payment is required. NFC payment is an emerging mobile payment method. The payment process is carried out on-site and offline. It does not need to use a mobile network, but uses NFC radio frequency channels to achieve local communication with POS cash registers or vending machines. . NFC short-range wireless communication is the mainstream technology of near-field payment. It is a short-range high-frequency wireless communication technology that allows non-contact point-to-point data transmission and exchange data between electronic devices.

S102、确定穿戴设备为穿戴状态。S102. Determine that the wearable device is in a wearing state.

S103、获取当前用户的心电特征或心率特征,根据所述心电特征或心率特征确定当前用户为合法用户。S103. Obtain the electrocardiographic feature or heart rate feature of the current user, and determine that the current user is a legitimate user according to the electrocardiographic feature or heart rate feature.

当穿戴设备接收到NFC支付指令并且处于穿戴状态时,穿戴设备通过心电检测装置或心率检测装置自动获取当前用户的心电特征或心率特征,根据所述心电特征或心率特征确定当前用户为合法用户。合法用户指的是通过身份验证,可以使用NFC进行支付的用户。When the wearable device receives the NFC payment instruction and is in the wearing state, the wearable device automatically obtains the ECG or heart rate characteristics of the current user through the ECG detection device or the heart rate detection device, and determines that the current user is legitimate user. A legitimate user refers to a user who has passed identity verification and can use NFC to make payment.

不同人的心电特征或心率特征不同,这使得心电特征或心率特征能够成为出色的生物信息识别材料,并且同一个人的心电特征或心率特征具有非常强的共性,这种共性可以将同一个人在不同状态下获得的有区别的心电特征或心率特征识别为同一个人所有,因此心电特征或心率特征能够成为一种有效的身份识别特征;并且心电特征或心率特征由于其本身是活性的,相比于其他生物特征,例如虹膜、指纹、静脉特征和人脸等,心电特征或心率特征不容易被复制,因此根据心电特征或心率特征识别身份具有更高的安全性和准确性。The ECG characteristics or heart rate characteristics of different people are different, which makes the ECG characteristics or heart rate characteristics can be excellent biometric identification materials, and the ECG characteristics or heart rate characteristics of the same person have very strong commonality, which can be used to identify the same The distinguishing electrocardiographic features or heart rate features obtained by individuals in different states are identified as belonging to the same person, so the electrocardiographic features or heart rate features can become an effective identification feature; and the electrocardiographic features or heart rate features are Active, compared with other biological features, such as iris, fingerprints, vein features and human faces, ECG or heart rate features are not easy to be copied, so identification based on ECG or heart rate features has higher security and accuracy.

心电特征或心率特征具有非主动采集的优点,这使得本发明的方法具有极大的便捷性。非主动采集指的是不需要过多的人为操作采集信息,比如,带上穿戴设备后,皮肤直接与穿戴设备的心电检测装置或心率检测装置接触,心电检测装置或心率检测装置自动采集心电特征或心率特征;而人脸、虹膜等生物特征需要用户将人脸或人眼对准摄像头。The ECG feature or heart rate feature has the advantage of non-active acquisition, which makes the method of the present invention extremely convenient. Non-active collection refers to the collection of information without too many human operations. For example, after wearing a wearable device, the skin directly contacts the ECG detection device or heart rate detection device of the wearable device, and the ECG detection device or heart rate detection device automatically collects ECG features or heart rate features; while biometric features such as face and iris require the user to align the face or eyes with the camera.

S104、启动NFC进行支付。S104, start NFC to make payment.

合法用户可以使用NFC成功进行支付。Legitimate users can successfully make payments using NFC.

本发明实施例提供的一种穿戴设备的NFC支付方法,通过穿戴设备被佩戴时,当接收到NFC支付指令,手表自动采集当前用户的心电特征或心率特征来验证当前用户是否为合法用户,若是则启动NFC进行支付,手表自动采集当前用户的心电特征或心率特征来验证当前用户是否合法,不需要用户手动进行身份验证,具有极大的便捷性,只有当前用户为合法用户才进行NFC支付,安全性非常强。An NFC payment method for a wearable device provided by an embodiment of the present invention, when the wearable device is worn, when an NFC payment instruction is received, the watch automatically collects the current user's ECG or heart rate characteristics to verify whether the current user is a legitimate user, If so, start NFC for payment. The watch automatically collects the current user's ECG or heart rate characteristics to verify whether the current user is legal. It does not require the user to manually authenticate, which is very convenient. Only the current user is a legitimate user before performing NFC. Payment, security is very strong.

实施例二Embodiment two

本实施例在实施例一的基础上增加了几个步骤,本实施例尚未详尽的内容请参考实施例一。In this embodiment, several steps are added on the basis of the first embodiment. Please refer to the first embodiment for the content that is not detailed in this embodiment.

如图2所示,一种紧急呼叫转移的方法,包括以下步骤:As shown in Figure 2, a method for emergency call transfer includes the following steps:

S201、预存合法用户的心电特征或心率特征。S201. Pre-store ECG characteristics or heart rate characteristics of legal users.

在用户进行NFC支付之前,穿戴设备需要预存合法用户的心电特征或心率特征,作为合法用户的标识。Before the user makes an NFC payment, the wearable device needs to pre-store the ECG or heart rate characteristics of the legitimate user as an identification of the legitimate user.

S202、接收到NFC支付指令。S202. Receive an NFC payment instruction.

S203、确定穿戴设备为穿戴状态。S203. Determine that the wearable device is in a wearing state.

优选的,所述确定穿戴设备为穿戴状态,包括:检测到当前用户的心电特征或心率特征,则穿戴设备为穿戴状态。Preferably, the determining that the wearable device is in the wearing state includes: detecting the current user's ECG characteristics or heart rate characteristics, and then the wearable device is in the wearing state.

心率特征或心电特征的检测能够判断用户是否有佩戴手表,当检测不到心率或心电值时表示用户未佩戴,此时有可能存在他人使用手表进行支付的可能性,因此当检测到未佩戴时则无法完成支付。The detection of heart rate characteristics or ECG characteristics can determine whether the user is wearing a watch. When the heart rate or ECG value is not detected, it means that the user is not wearing it. Payment cannot be completed while wearing it.

穿戴设备一旦被穿戴上,则与皮肤接触,心电检测装置或心率检测装置即可检测到心电特征或心率特征。Once the wearable device is worn, it is in contact with the skin, and the ECG detection device or the heart rate detection device can detect the ECG or heart rate characteristics.

S204、获取当前用户的心电特征或心率特征;S204. Obtain the ECG feature or heart rate feature of the current user;

S205、根据所述心电特征或心率特征判断当前用户是否为合法用户;若是,进入步骤S206,若否,进入步骤S207。S205. Determine whether the current user is a legal user according to the ECG feature or the heart rate feature; if yes, go to step S206; if not, go to step S207.

优选的,所述心电特征为心电图波形,所述心率特征在心率波形。Preferably, the electrocardiographic feature is an electrocardiogram waveform, and the heart rate feature is a heart rate waveform.

优选的,所述根据所述心电特征或心率特征确定当前用户为合法用户,包括:将当前用户的心电特征或心率特征与预存的合法用户的心电特征或心率特征进行比较,确定当前用户的心电特征或心率特征与预存的合法用户的心电特征或心率特征匹配,则当前用户为合法用户;否则当前用户为非法用户。Preferably, the determining that the current user is a legitimate user according to the ECG feature or heart rate feature includes: comparing the ECG feature or heart rate feature of the current user with the pre-stored ECG feature or heart rate feature of the legitimate user, and determining the current If the user's ECG feature or heart rate feature matches the pre-stored legal user's ECG feature or heart rate feature, the current user is a legitimate user; otherwise, the current user is an illegal user.

S206、启动NFC进行支付。S206, start NFC to make payment.

S207、禁止NFC支付。S207. Forbid NFC payment.

S208、向预置终端发送告警信息。S208. Send alarm information to the preset terminal.

所述预置终端为与所述穿戴设备绑定关联的终端,预置终端的持有者可以为穿戴设备的持有者,也可以为与所述穿戴设备的持有者关系密切的人,向预置终端发送告警信息,便于穿戴设备的持有者能够及时发现别人非法使用自己的账户,以及发现自己的账户存在安全风险。The preset terminal is a terminal bound and associated with the wearable device, and the holder of the preset terminal may be the holder of the wearable device, or a person closely related to the wearable device holder, Send warning information to the preset terminal, so that the holder of the wearable device can find out that others illegally use his account in time, and find that his account has security risks.

S209、将获取的当前用户的心率特征或者心电特征或心率特征发送到云端服务器。S209. Send the acquired heart rate feature or ECG feature or heart rate feature of the current user to the cloud server.

记录当前佩戴者的心率或心电图信息,并上传云端保存,当用户是因为设备被偷时,可提供给警方确认偷盗者的身份信息。Record the current wearer's heart rate or ECG information and upload it to the cloud for storage. When the user's device is stolen, it can be provided to the police to confirm the identity of the thief.

需要说明的是,步骤S207、步骤S208、和步骤S209没有必然的先后顺序,三者均是在穿戴设备判断出当前用户为非法用户后进行。It should be noted that step S207 , step S208 , and step S209 are not in a certain order, and all three steps are performed after the wearable device determines that the current user is an illegal user.

本发明实施例提供的一种穿戴设备的NFC支付方法,具有极大的便捷性和极高的安全性;当其他人非法使用账户时及时告知穿戴设备的用户,并且将非法用户的心率特征或者心电特征保存在云端服务器,以便警方确认非法用户的身份信息。An NFC payment method for a wearable device provided by the embodiment of the present invention has great convenience and high security; when other people illegally use the account, the user of the wearable device will be notified in time, and the heart rate characteristic or The electrocardiographic features are stored in the cloud server so that the police can confirm the identity information of illegal users.

实施例三Embodiment Three

本实施例的一种穿戴设备的NFC支付系统,与实施例一中的方法对应,尚未详尽之处可参考实施例一。An NFC payment system for a wearable device in this embodiment corresponds to the method in the first embodiment, and for details that are not yet detailed, please refer to the first embodiment.

如图3所示,一种穿戴设备的NFC支付系统,包括:As shown in Figure 3, an NFC payment system for wearable devices includes:

接收模块101,用于接收到NFC支付指令。The receiving module 101 is configured to receive an NFC payment instruction.

第一确定模块102,用于确定穿戴设备为穿戴状态。The first determining module 102 is configured to determine that the wearable device is in a wearing state.

第二确定模块103,用于获取当前用户的心电特征或心率特征,根据所述心电特征或心率特征确定当前用户为合法用户。The second determination module 103 is configured to acquire the electrocardiographic characteristics or heart rate characteristics of the current user, and determine that the current user is a legitimate user according to the electrocardiographic characteristics or heart rate characteristics.

支付模块104,用于启动NFC完成支付。The payment module 104 is configured to start NFC to complete the payment.

实施例四Embodiment Four

本实施例的一种穿戴设备的NFC支付系统,与实施例二中的方法对应,尚未详尽之处可参考实施例二。An NFC payment system for a wearable device in this embodiment corresponds to the method in the second embodiment, and for details that are not yet detailed, please refer to the second embodiment.

如图4所示,一种穿戴设备的NFC支付系统,包括:As shown in Figure 4, an NFC payment system for wearable devices includes:

预存模块201,用于预存合法用户的心电特征或心率特征。The pre-storage module 201 is used for pre-storing the ECG characteristics or heart rate characteristics of legal users.

接收模块202,用于接收到NFC支付指令。The receiving module 202 is configured to receive an NFC payment instruction.

第一确定模块203,用于确定穿戴设备为穿戴状态。The first determining module 203 is configured to determine that the wearable device is in a wearing state.

第二确定模块204,用于获取当前用户的心电特征或心率特征,根据所述心电特征或心率特征确定当前用户为合法用户。The second determining module 204 is configured to acquire the electrocardiographic characteristics or heart rate characteristics of the current user, and determine that the current user is a legitimate user according to the electrocardiographic characteristics or heart rate characteristics.

支付模块205,用于启动NFC完成支付。The payment module 205 is configured to start NFC to complete the payment.

第三确定模块206,用于根据所述心电特征或心率特征确定当前用户为非法用户,禁止NFC支付;The third determination module 206 is used to determine that the current user is an illegal user according to the electrocardiographic characteristics or heart rate characteristics, and prohibit NFC payment;

第一发送模块207,用于向预置终端发送告警信息;The first sending module 207 is configured to send warning information to preset terminals;

第二发送模块208,用于将获取的当前用户的心率特征或者心电特征或心率特征发送到云端服务器。The second sending module 208 is configured to send the acquired heart rate characteristics or ECG characteristics or heart rate characteristics of the current user to the cloud server.

本发明实施例提供的一种穿戴设备的NFC支付系统,具有极大的便捷性和极高的安全性;当其他人非法使用账户时及时告知穿戴设备的用户,并且将非法用户的心率特征或者心电特征保存在云端服务器,以便警方确认非法用户的身份信息。An NFC payment system for wearable devices provided by the embodiment of the present invention has great convenience and high security; when other people illegally use the account, the user of the wearable device will be notified in time, and the heart rate characteristics or The electrocardiographic features are stored in the cloud server so that the police can confirm the identity information of illegal users.

以上结合具体实施例描述了本发明的技术原理。这些描述只是为了解释本发明的原理,而不能以任何方式解释为对本发明保护范围的限制。基于此处的解释,本领域的技术人员不需要付出创造性的劳动即可联想到本发明的其它具体实施方式,这些方式都将落入本发明的保护范围之内。The above describes the technical principles of the present invention in conjunction with specific embodiments. These descriptions are only for explaining the principles of the present invention, and cannot be construed as limiting the protection scope of the present invention in any way. Based on the explanations herein, those skilled in the art can think of other specific implementation modes of the present invention without creative efforts, and these modes will all fall within the protection scope of the present invention.

Claims (10)

1.一种穿戴设备的NFC支付方法,其特征在于,包括:1. A NFC payment method for a wearable device, characterized in that, comprising: 接收到NFC支付指令;Receive NFC payment instruction; 确定穿戴设备为穿戴状态;Determine that the wearable device is in the wearable state; 获取当前用户的心电特征或心率特征,根据所述心电特征或心率特征确定当前用户为合法用户;Obtain the ECG or heart rate characteristics of the current user, and determine that the current user is a legitimate user according to the ECG or heart rate characteristics; 启动NFC进行支付。Activate NFC to make payment. 2.如权利要求1所述的NFC支付方法,其特征在于,所述接收到NFC支付指令之前,还包括,预存合法用户的心电特征或心率特征。2. The NFC payment method according to claim 1, characterized in that, before receiving the NFC payment instruction, it also includes pre-storing the ECG or heart rate characteristics of the legal user. 3.如权利要求1所述的NFC支付方法,其特征在于,所述根据所述心电特征或心率特征确定当前用户为合法用户,包括:3. The NFC payment method according to claim 1, wherein said determining that the current user is a legal user according to said ECG feature or heart rate feature includes: 将当前用户的心电特征或心率特征与预存的合法用户的心电特征或心率特征进行比较,确定当前用户的心电特征或心率特征与预存的合法用户的心电特征或心率特征匹配,则当前用户为合法用户。Compare the current user's ECG feature or heart rate feature with the pre-stored legitimate user's ECG feature or heart rate feature, determine that the current user's ECG feature or heart rate feature matches the pre-stored legitimate user's ECG feature or heart rate feature, then The current user is a legitimate user. 4.如权利要求1所述的NFC支付方法,其特征在于,所述确定穿戴设备为穿戴状态,包括:检测到当前用户的心电特征或心率特征,则穿戴设备为穿戴状态。4. The NFC payment method according to claim 1, wherein said determining that the wearable device is in the wearing state comprises: detecting the current user's ECG feature or heart rate feature, and then the wearable device is in the wearing state. 5.如权利要求1所述的NFC支付方法,其特征在于,所述获取当前用户的心率特征或者心电特征或心率特征之后,还包括:根据所述心电特征或心率特征确定当前用户为非法用户,禁止NFC支付;5. NFC payment method as claimed in claim 1, is characterized in that, after the heart rate feature or ECG feature or heart rate feature of described acquisition current user, also comprise: according to described ECG feature or heart rate feature, determine that current user is Illegal users, prohibit NFC payment; 向预置终端发送告警信息;Send alarm information to preset terminals; 将获取的当前用户的心率特征或者心电特征或心率特征发送到云端服务器。Send the acquired heart rate feature or ECG feature or heart rate feature of the current user to the cloud server. 6.如权利要求1所述的NFC支付方法,其特征在于,所述心电特征为心电图波形,所述心率特征在心率波形。6. The NFC payment method according to claim 1, wherein the electrocardiographic feature is an electrocardiogram waveform, and the heart rate feature is a heart rate waveform. 7.一种穿戴设备的NFC支付系统,其特征在于,包括:7. An NFC payment system for wearable devices, characterized in that it comprises: 接收模块,用于接收到NFC支付指令;A receiving module, configured to receive an NFC payment instruction; 第一确定模块,用于确定穿戴设备为穿戴状态;The first determining module is used to determine that the wearable device is in a wearing state; 第二确定模块,用于获取当前用户的心电特征或心率特征,根据所述心电特征或心率特征确定当前用户为合法用户;The second determining module is used to obtain the ECG or heart rate characteristics of the current user, and determine that the current user is a legitimate user according to the ECG or heart rate characteristics; 支付模块,用于启动NFC完成支付。The payment module is used to start NFC to complete the payment. 8.如权利要求7所述的NFC支付系统,其特征在于,所述根据所述心电特征或心率特征确定当前用户为合法用户,包括:8. The NFC payment system according to claim 7, wherein said determining that the current user is a legal user according to said ECG feature or heart rate feature includes: 将当前用户的心电特征或心率特征与预存的合法用户的心电特征或心率特征进行比较,确定当前用户的心电特征或心率特征与预存的合法用户的心电特征或心率特征匹配,则当前用户为合法用户。Compare the current user's ECG feature or heart rate feature with the pre-stored legitimate user's ECG feature or heart rate feature, determine that the current user's ECG feature or heart rate feature matches the pre-stored legitimate user's ECG feature or heart rate feature, then The current user is a legitimate user. 所述确定模块具体用于:检测到当前用户的心电特征或心率特征,则穿戴设备为穿戴状态。The determining module is specifically configured to: detect the current user's electrocardiographic feature or heart rate feature, and the wearable device is in the wearing state. 9.如权利要求7所述的NFC支付系统,其特征在于,还包括:9. The NFC payment system according to claim 7, further comprising: 预存模块,用于预存合法用户的心电特征或心率特征;Pre-storage module, used for pre-storing ECG characteristics or heart rate characteristics of legitimate users; 第三确定模块,用于根据所述心电特征或心率特征确定当前用户为非法用户,禁止NFC支付;The third determination module is used to determine that the current user is an illegal user according to the electrocardiographic characteristics or heart rate characteristics, and prohibits NFC payment; 第一发送模块,用于向预置终端发送告警信息;The first sending module is used to send alarm information to preset terminals; 第二发送模块,用于将获取的当前用户的心率特征或者心电特征或心率特征发送到云端服务器。The second sending module is configured to send the acquired heart rate feature or ECG feature or heart rate feature of the current user to the cloud server. 10.如权利要求7所述的NFC支付系统,其特征在于,所述心电特征为心电图波形,所述心率特征在心率波形。10. The NFC payment system according to claim 7, wherein the electrocardiographic feature is an electrocardiogram waveform, and the heart rate feature is a heart rate waveform.
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