Label data refreshing method and system and payment method and system

Abstract

The invention relates to a label data refreshing method. The method comprises the steps that a user terminal reads NFC label data from an NFC label; the user terminal verifies whether the read institution public key certificate is legal or not by utilizing a pre-stored CA root certificate, and sends the label identifier and the ciphertext data to a background system after the verification is passed; the background system parses the ciphertext data by using a pre-stored label private key, encrypts and signs the parsed ciphertext data, generates updated NFC label data, and sends the updated NFClabel data to a user terminal; and the user terminal writes the updated NFC label data into the NFC label. According to the invention, the NFC label data can be dynamically updated, and payment can berealized based on the dynamically updated NFC label, so that the payment security can be ensured, and the payment efficiency and the user experience can be improved.

Description

technical field [0001] The invention relates to computer technology, in particular to a tag data refreshing method and system for an NFC tag, a tag data-based payment method and a system thereof. Background technique [0002] In the product design based on NFC tag payment, it is found that the use process and payment method can be optimized: [0003] (1) The industry generally believes that there is a risk of duplication or replacement in the static method. Although there is no static limit for NFC tag payment in the short term, it also has the same security risk as the static QR code in the long run. However, unlike dynamic two-dimensional codes that require additional equipment, NFC tags themselves have the ability to read and write, so the writable feature of NFC tags can be used to achieve the same ability as dynamic two-dimensional codes. [0004] (2) At present, the generation of NFC tags requires special equipment or App to operate, which is not conducive to user acc...

AI Technical Summary

Problems solved by technology

[0004] (2) At present, the generation of NFC tags requires special equipment or App to operate, which is not conducive to user acceptance and increases the complexity of the process. Based on the readable and writable capabilities of NFC tags, it can realize remote management and optimize the transaction process

[0006] Since the data in the NFC tag will not change after the initial writing, as static readable data, there is a risk of the data being cracked or copied, which will lead to risks in the transaction; due to the use of static data, the merchant information read each time constant

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