CN105654286A - Payment method, payment device and wearable device - Google Patents
Payment method, payment device and wearable device Download PDFInfo
- Publication number
- CN105654286A CN105654286A CN201511017122.2A CN201511017122A CN105654286A CN 105654286 A CN105654286 A CN 105654286A CN 201511017122 A CN201511017122 A CN 201511017122A CN 105654286 A CN105654286 A CN 105654286A
- Authority
- CN
- China
- Prior art keywords
- payment
- wearable device
- small amount
- transaction
- pays
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, 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
- G06Q20/401—Transaction verification
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Telephone Function (AREA)
Abstract
The invention discloses a payment method, a payment device and a wearable device. The payment method includes the following steps that: a payment request is obtained; whether the payment request is about small amount payment is judged; and if the payment request is about small amount payment, a free-password payment transaction initiated by an NFC chip, and a payment process is completed. With the payment method provided by the technical schemes of the invention adopted, when it is judged that the payment request is about the small amount payment, the wearable device can directly interact with a peripheral payment device through an antenna, electronic cashes are deducted from the wearable device, free-password payment can be realized, and therefore, the convenience of mobile payment can be enhanced, and at the same time, the complexity of mobile phone hardware can be reduced, an independent mobile payment function can be realized for the wearable device, and the convenience of the mobile payment and the practicability of the wearable device can be improved.
Description
Technical field
The present invention relates to field of terminal technology, specifically, it relates to a kind of payment procedure, a kind of payment device and a kind of wearable device.
Background technology
At present, authentication information can being write in the chip of wearable device, like this, terminal, when paying, just can connect wearable device and read authentication information authentication, thus makes terminal realize exempting from close payment.
But, the inside of terminal all it is arranged on for the NFC chip of mobile payment and antenna thereof and ESE chip, this kind of payment function carries out in fact in the terminal, it just uses wearable device to carry out authentication, that is, wearable device itself can not carry out mobile payment, even when carrying out small amount payment, also need to carry with terminal together with wearable device, convenient not.
It is thus desirable to a kind of new technical scheme, it is possible to realize using wearable device directly to carry out small amount payment.
Summary of the invention
The present invention is just based on the problems referred to above, it is proposed that a kind of new technical scheme, it is possible to realize using wearable device directly to carry out small amount payment.
In view of this, a first aspect of the present invention proposes a kind of payment procedure, and for wearable device, described wearable device has the NFC chip for near-field communication, and described payment procedure comprises: obtain the request of payment; Judge whether described payment request is that small amount pays; If small amount pays, then initiate to exempt from close payment transaction by described NFC chip, complete payment process.
In this technical scheme, can NFC (near-field communication) chip be arranged in wearable device, replace in correlation technique and NFC chip is arranged technical scheme in the terminal, specifically, can pass through terminal can to the electronic cash of NFC chip store accounts information and correspondence, like this, when judging that paying request pays as small amount, wearable device can be directly mutual by antenna and peripheral hardware payment devices, electronic cash in deduction wearable device, achieve and exempt from close payment, improve the convenience of mobile payment, simultaneously, also reduce the complexity of mobile phone hardware, for wearable device achieves the function carrying out separately mobile payment, improve the convenience of mobile payment and the practicality of wearable device.
In technique scheme, it may be preferred that described judge that whether described payment request is that small amount pays, specifically comprise: judge whether the described amount of money paying request is less than or equals single payment limit;And/or judge whether the amount of money of described payment request and the history payment sum on the same day are less than or equal odd-numbered day payment limit.
In this technical scheme, first, single payment limit and/or odd-numbered day pay limit and can arrange by third party, can also arrange in terminal or wearable device by user, if the amount of money paying request is less than or equals single payment limit, illustrate that it pays amount effective, belong to small amount to pay, if the amount of money and the history payment sum on the same day that pay request are less than or equal odd-numbered day payment limit, illustrating that the same day, payment did not exceed standard, this payment request belongs to small amount and pays. By the restriction that small amount is paid, it is possible to promote the security using wearable device to carry out payment function, the property safety of protection user.
In above-mentioned any technology scheme, it may be preferred that also comprise: the small amount being recorded in preset time period pays number of times; Detect described small amount and pay whether number of times reaches threshold value; If reaching threshold value, then forbid the small amount payment function of described wearable device, the mobile terminal that send prompting information is extremely bound with described wearable device.
In this technical scheme, the number of times that small amount pays can also be limited, the threshold value of the number of times that small amount pays is set voluntarily by third party or user, the number of times that small amount in preset time period pays can also be limited, third party or user can arrange the threshold value of the number of times that the small amount in preset time period and preset time period pays voluntarily, when the number of times that small amount pays reaches threshold value, when the number of times that small amount within a predetermined period of time pays reaches threshold value, illustrate and pay amount beyond restriction, there is the risk of property damage, so time can forbid the small amount payment function of wearable device. such as, user can on mobile phone or with the wearable device of handset binding on arrange small amount pay time preset time period be 1h, and the threshold value arranging the number of times that small amount pays in 1h is 5 times, like this, wearable device itself can detect brush mass transit card or net in 1h and purchase etc. whether the number of times that small amount pays reaches five times, if reaching five times, illustrate that the wearable device of user is probably lost or stolen, the behavior that pays frequently is likely that other people use this wearable device to carry out brush mass transit card or net is purchased, therefore can automatically forbid the small amount payment function of wearable device at this moment. simultaneously, it is also possible to send prompting information to the mobile terminal with wearable device binding, to notify user in time, it is convenient to user take measures in time, thus safety of guaranteeing payment, wherein, prompting information can comprise the payment transaction content of wearable device, the real time position etc. of wearable device. in addition, it is possible to according to the setting command received, threshold value is set for the small amount of wearable device in preset time period pays total number of times, or corresponding preset time period and frequency threshold value are set respectively for dissimilar small amount pays. such as, arranging the threshold value that the small amount of wearable device in 1h pay total number of times is 5 times, it is also possible to arranging the net of wearable device in 1h, to purchase the threshold value paying number of times be 3 times, and the transfer accounts threshold value of number of times of the inter-bank in 2h is 2 times.
In above-mentioned any technology scheme, preferably, described wearable device also has ESE chip, described ESE chip is for storing the responsive information of payment transaction, and described payment procedure also comprises: when judging that described payment request does not pay as small amount, the communication connection of mobile terminal set up described wearable device and bind with described wearable device;Send the responsive information of described payment transaction to the security system of described mobile terminal, complete payment transaction for described security system.
In this technical scheme, ESE (embedded-type security element) chip can be arranged on wearable device, replace in correlation technique and ESE chip is arranged technical scheme in the terminal, reduce the complexity of mobile phone hardware, for wearable device achieves the function carrying out separately mobile payment, improve the convenience of mobile payment and the practicality of wearable device. ESE chip is for storing the responsive information of payment transaction, and namely the account trading information of more high safety grade, such as bank card information etc., is particularly useful for the application scene that wholesale pays. And, ESE chip can be combined by the special safety payment system in multiple systems of terminal, by ESE chip, pertinent transaction information is sent to safety payment system, safety payment system sends this pertinent transaction information to transaction platform server again, after transaction platform server demonstration validation, can directly withhold, and transaction results is fed back to safety payment system, then feed back to wearable device by safety payment system.
In above-mentioned any technology scheme, it may be preferred that below the responsive information of described payment transaction at least one or a combination set of: transaction account, dealing money, trading object, the transaction time.
In this technical scheme, transaction information but be not limited to following at least one or a combination set of: transaction account, dealing money, trading object, the transaction time, multi-exchange information selects space for user provides more many condition, such as, user can be set to when transaction content is daily necessities, use NFC chip directly to exempt from close payment, when transaction content is electronic product, select ESE chip to carry out secure payment.
A second aspect of the present invention proposes a kind of payment device, and for wearable device, described wearable device has the NFC chip for near-field communication, and described payment device comprises: pay acquisition request unit, obtains the request of payment; Pay amount judging unit, judge whether described payment request is that small amount pays; First actuator unit, if described payment amount judging unit judges that described payment request pays as small amount, then initiates to exempt from close payment transaction by described NFC chip, completes payment process.
In this technical scheme, can NFC (near-field communication) chip be arranged in wearable device, replace in correlation technique and NFC chip is arranged technical scheme in the terminal, specifically, can pass through terminal can to the electronic cash of NFC chip store accounts information and correspondence, like this, when judging that paying request pays as small amount, wearable device can be directly mutual by antenna and peripheral hardware payment devices, electronic cash in deduction wearable device, achieve and exempt from close payment, improve the convenience of mobile payment, simultaneously, also reduce the complexity of mobile phone hardware, for wearable device achieves the function carrying out separately mobile payment, improve the convenience of mobile payment and the practicality of wearable device.
In technique scheme, preferably, described payment amount judging unit specifically for: judge whether the described amount of money paying request is less than or equals single payment limit, and/or judge whether the described amount of money and the history payment sum on the same day paying request is less than or equals odd-numbered day payment limit.
In this technical scheme, first, single payment limit and/or odd-numbered day pay limit and can arrange by third party, can also arrange in terminal or wearable device by user, if the amount of money paying request is less than or equals single payment limit, illustrate that it pays amount effective, belong to small amount to pay, if the amount of money and the history payment sum on the same day that pay request are less than or equal odd-numbered day payment limit, illustrating that the same day, payment did not exceed standard, this payment request belongs to small amount and pays.By the restriction that small amount is paid, it is possible to promote the security using wearable device to carry out payment function, the property safety of protection user.
In above-mentioned any technology scheme, it may be preferred that also comprise: pay number of times record cell, the small amount being recorded in preset time period pays number of times; Detecting unit, detects described small amount and pays whether number of times reaches threshold value; 2nd actuator unit, if described detecting unit detects that described small amount pays number of times and reaches threshold value, then forbids the small amount payment function of described wearable device, the mobile terminal that send prompting information is extremely bound with described wearable device.
In this technical scheme, the number of times that small amount pays can also be limited, the threshold value of the number of times that small amount pays is set voluntarily by third party or user, the number of times that small amount in preset time period pays can also be limited, third party or user can arrange the threshold value of the number of times that the small amount in preset time period and preset time period pays voluntarily, when the number of times that small amount pays reaches threshold value, when the number of times that small amount within a predetermined period of time pays reaches threshold value, the risk with property damage is described, so time can forbid the small amount payment function of wearable device. such as, user can on mobile phone or with the wearable device of handset binding on arrange small amount pay time preset time period be 1h, and the threshold value arranging the number of times that small amount pays in 1h is 5 times, like this, wearable device itself can detect brush mass transit card or net in 1h and purchase etc. whether the number of times that small amount pays reaches five times, if reaching five times, illustrate that the wearable device of user is probably lost or stolen, the behavior that pays frequently is likely that other people use this wearable device to carry out brush mass transit card or net is purchased, therefore can automatically forbid the small amount payment function of wearable device at this moment. simultaneously, it is also possible to send prompting information to the mobile terminal with wearable device binding, to notify user in time, it is convenient to user take measures in time, thus safety of guaranteeing payment, wherein, prompting information can comprise the payment transaction content of wearable device, the real time position etc. of wearable device. in addition, it is possible to according to the setting command received, threshold value is set for the small amount of wearable device in preset time period pays total number of times, or corresponding preset time period and frequency threshold value are set respectively for dissimilar small amount pays. such as, arranging the threshold value that the small amount of wearable device in 1h pay total number of times is 5 times, it is also possible to arranging the net of wearable device in 1h, to purchase the threshold value paying number of times be 3 times, and the transfer accounts threshold value of number of times of the inter-bank in 2h is 2 times.
In above-mentioned any technology scheme, preferably, described wearable device also has ESE chip, described ESE chip is for storing the responsive information of payment transaction, and described payment device also comprises: unit is set up in communication connection, when judging that described payment request does not pay as small amount, the communication connection of mobile terminal set up described wearable device and bind with described wearable device; Responsive information transmitting unit, sends the responsive information of described payment transaction to the security system of described mobile terminal, completes payment transaction for described security system.
In this technical scheme, ESE (embedded-type security element) chip can be arranged on wearable device, replace in correlation technique and ESE chip is arranged technical scheme in the terminal, reduce the complexity of mobile phone hardware, for wearable device achieves the function carrying out separately mobile payment, improve the convenience of mobile payment and the practicality of wearable device.ESE chip is for storing the responsive information of payment transaction, and namely the account trading information of more high safety grade, such as bank card information etc., is particularly useful for the application scene that wholesale pays. And, ESE chip can be combined by the special safety payment system in multiple systems of terminal, by ESE chip, pertinent transaction information is sent to safety payment system, safety payment system sends this pertinent transaction information to transaction platform server again, after transaction platform server demonstration validation, can directly withhold, and transaction results is fed back to safety payment system, then feed back to wearable device by safety payment system.
In above-mentioned any technology scheme, it may be preferred that below the responsive information of described payment transaction at least one or a combination set of: transaction account, dealing money, trading object, the transaction time.
In this technical scheme, transaction information but be not limited to following at least one or a combination set of: transaction account, dealing money, trading object, the transaction time, multi-exchange information selects space for user provides more many condition, such as, user can be set to when transaction content is daily necessities, use NFC chip directly to exempt from close payment, when transaction content is electronic product, select ESE chip to carry out secure payment.
Another aspect of the invention proposes a kind of wearable device, comprise the payment device according to any one of technique scheme, therefore, this wearable device has the technique effect identical with the payment device according to any one of technique scheme, does not repeat them here.
By above technical scheme, when judging that paying request pays as small amount, wearable device can be directly mutual by antenna and peripheral hardware payment devices, electronic cash in deduction wearable device, it is achieved that exempt from close payment, improve the convenience of mobile payment, simultaneously, also reduce the complexity of mobile phone hardware, for wearable device achieves the function carrying out separately mobile payment, improve the convenience of mobile payment and the practicality of wearable device.
Accompanying drawing explanation
Fig. 1 shows the schema of payment procedure according to one embodiment of present invention;
Fig. 2 shows the block diagram of payment device according to one embodiment of present invention;
Fig. 3 shows the block diagram of wearable device according to one embodiment of present invention;
Fig. 4 shows the schema of the payment procedure according to an alternative embodiment of the invention;
Fig. 5 shows the mutual schematic diagram of wearable device according to one embodiment of present invention and mobile phone.
Embodiment
In order to more clearly understand above-mentioned purpose, the feature and advantage of the present invention, below in conjunction with the drawings and specific embodiments, the present invention is further described in detail. It should be noted that, when not conflicting, the feature in the embodiment of the application and embodiment can combine mutually.
Set forth a lot of detail in the following description so that fully understanding the present invention; but; the present invention can also adopt other to be different from other modes described here to implement, and therefore, protection scope of the present invention is by the restriction of following public specific embodiment.
Fig. 1 shows the schema of payment procedure according to one embodiment of present invention.
As shown in Figure 1, payment procedure according to one embodiment of present invention, for wearable device, described wearable device has the NFC chip for near-field communication, and described payment procedure comprises:
Step 102, obtains the request of payment;
Step 104, judges whether described payment request is that small amount pays;
Step 106, if small amount pays, then initiates to exempt from close payment transaction by described NFC chip, completes payment process.
In this technical scheme, can NFC (near-field communication) chip be arranged in wearable device, replace in correlation technique and NFC chip is arranged technical scheme in the terminal, specifically, can pass through terminal can to the electronic cash of NFC chip store accounts information and correspondence, like this, when judging that paying request pays as small amount, wearable device can be directly mutual by antenna and peripheral hardware payment devices, electronic cash in deduction wearable device, achieve and exempt from close payment, improve the convenience of mobile payment, simultaneously, also reduce the complexity of mobile phone hardware, for wearable device achieves the function carrying out separately mobile payment, improve the convenience of mobile payment and the practicality of wearable device.
In technique scheme, it may be preferred that step 104 specifically comprises: judge whether the described amount of money paying request is less than or equals single payment limit; And/or judge whether the amount of money of described payment request and the history payment sum on the same day are less than or equal odd-numbered day payment limit.
In this technical scheme, first, single payment limit and/or odd-numbered day pay limit and can arrange by third party, can also arrange in terminal or wearable device by user, if the amount of money paying request is less than or equals single payment limit, illustrate that it pays amount effective, belong to small amount to pay, if the amount of money and the history payment sum on the same day that pay request are less than or equal odd-numbered day payment limit, illustrating that the same day, payment did not exceed standard, this payment request belongs to small amount and pays. By the restriction that small amount is paid, it is possible to promote the security using wearable device to carry out payment function, the property safety of protection user.
In above-mentioned any technology scheme, it may be preferred that also comprise: the small amount being recorded in preset time period pays number of times; Detect described small amount and pay whether number of times reaches threshold value; If reaching threshold value, then forbid the small amount payment function of described wearable device, the mobile terminal that send prompting information is extremely bound with described wearable device.
In this technical scheme, the number of times that small amount pays can also be limited, the threshold value of the number of times that small amount pays is set voluntarily by third party or user, the number of times that small amount in preset time period pays can also be limited, third party or user can arrange the threshold value of the number of times that the small amount in preset time period and preset time period pays voluntarily, when the number of times that small amount pays reaches threshold value, when the number of times that small amount within a predetermined period of time pays reaches threshold value, the risk with property damage is described, so time can forbid the small amount payment function of wearable device. such as, user can on mobile phone or with the wearable device of handset binding on arrange small amount pay time preset time period be 1h, and the threshold value arranging the number of times that small amount pays in 1h is 5 times, like this, wearable device itself can detect brush mass transit card or net in 1h and purchase etc. whether the number of times that small amount pays reaches five times, if reaching five times, illustrate that the wearable device of user is probably lost or stolen, the behavior that pays frequently is likely that other people use this wearable device to carry out brush mass transit card or net is purchased, therefore can automatically forbid the small amount payment function of wearable device at this moment.Simultaneously, it is also possible to send prompting information to the mobile terminal with wearable device binding, to notify user in time, it is convenient to user take measures in time, thus safety of guaranteeing payment, wherein, prompting information can comprise the payment transaction content of wearable device, the real time position etc. of wearable device. In addition, it is possible to according to the setting command received, threshold value is set for the small amount of wearable device in preset time period pays total number of times, or corresponding preset time period and frequency threshold value are set respectively for dissimilar small amount pays. Such as, arranging the threshold value that the small amount of wearable device in 1h pay total number of times is 5 times, it is also possible to arranging the net of wearable device in 1h, to purchase the threshold value paying number of times be 3 times, and the transfer accounts threshold value of number of times of the inter-bank in 2h is 2 times.
In above-mentioned any technology scheme, preferably, described wearable device also has ESE chip, described ESE chip is for storing the responsive information of payment transaction, and step 106 also comprises: when judging that described payment request does not pay as small amount, the communication connection of mobile terminal set up described wearable device and bind with described wearable device; Send the responsive information of described payment transaction to the security system of described mobile terminal, complete payment transaction for described security system.
In this technical scheme, ESE (embedded-type security element) chip can be arranged on wearable device, replace in correlation technique and ESE chip is arranged technical scheme in the terminal, reduce the complexity of mobile phone hardware, for wearable device achieves the function carrying out separately mobile payment, improve the convenience of mobile payment and the practicality of wearable device. ESE chip is for storing the responsive information of payment transaction, and namely the account trading information of more high safety grade, such as bank card information etc., is particularly useful for the application scene that wholesale pays. And, ESE chip can be combined by the special safety payment system in multiple systems of terminal, by ESE chip, pertinent transaction information is sent to safety payment system, safety payment system sends this pertinent transaction information to transaction platform server again, after transaction platform server demonstration validation, can directly withhold, and transaction results is fed back to safety payment system, then feed back to wearable device by safety payment system.
In above-mentioned any technology scheme, it may be preferred that below the responsive information of described payment transaction at least one or a combination set of: transaction account, dealing money, trading object, the transaction time.
In this technical scheme, transaction information but be not limited to following at least one or a combination set of: transaction account, dealing money, trading object, the transaction time, multi-exchange information selects space for user provides more many condition, such as, user can be set to when transaction content is daily necessities, use NFC chip directly to exempt from close payment, when transaction content is electronic product, select ESE chip to carry out secure payment.
Fig. 2 shows the block diagram of payment device according to one embodiment of present invention.
As shown in Figure 2, payment device 200 according to one embodiment of present invention is for wearable device, described wearable device has the NFC chip for near-field communication, pays device 200 and comprises: pays acquisition request unit 202, pay amount judging unit 204 and the first actuator unit 206.
Wherein, acquisition request unit 202 is paid for obtaining the request of payment; Pay amount judging unit 204 for judging whether described payment request is that small amount pays;First actuator unit 206 is for when paying amount judging unit 204 and judge that described payment request pays as small amount, initiating to exempt from close payment transaction by described NFC chip, complete payment process.
In this technical scheme, can NFC (near-field communication) chip be arranged in wearable device, replace in correlation technique and NFC chip is arranged technical scheme in the terminal, specifically, can pass through terminal can to the electronic cash of NFC chip store accounts information and correspondence, like this, when judging that paying request pays as small amount, wearable device can be directly mutual by antenna and peripheral hardware payment devices, electronic cash in deduction wearable device, achieve and exempt from close payment, improve the convenience of mobile payment, simultaneously, also reduce the complexity of mobile phone hardware, for wearable device achieves the function carrying out separately mobile payment, improve the convenience of mobile payment and the practicality of wearable device.
In technique scheme, preferably, pay amount judging unit 204 specifically for: judge whether the described amount of money paying request is less than or equals single payment limit, and/or judge whether the described amount of money and the history payment sum on the same day paying request is less than or equals odd-numbered day payment limit.
In this technical scheme, first, single payment limit and/or odd-numbered day pay limit and can arrange by third party, can also arrange in terminal or wearable device by user, if the amount of money paying request is less than or equals single payment limit, illustrate that it pays amount effective, belong to small amount to pay, if the amount of money and the history payment sum on the same day that pay request are less than or equal odd-numbered day payment limit, illustrating that the same day, payment did not exceed standard, this payment request belongs to small amount and pays. By the restriction that small amount is paid, it is possible to promote the security using wearable device to carry out payment function, the property safety of protection user.
In above-mentioned any technology scheme, it may be preferred that also comprise: pay number of times record cell 208, the small amount being recorded in preset time period pays number of times; Detecting unit 210, detects described small amount and pays whether number of times reaches threshold value; 2nd actuator unit 212, if described detecting unit detects that described small amount pays number of times and reaches threshold value, then forbids the small amount payment function of described wearable device, the mobile terminal that send prompting information is extremely bound with described wearable device.
In this technical scheme, the number of times that small amount pays can also be limited, the threshold value of the number of times that small amount pays is set voluntarily by third party or user, the number of times that small amount in preset time period pays can also be limited, third party or user can arrange the threshold value of the number of times that the small amount in preset time period and preset time period pays voluntarily, when the number of times that small amount pays reaches threshold value, when the number of times that small amount within a predetermined period of time pays reaches threshold value, the risk with property damage is described, so time can forbid the small amount payment function of wearable device. such as, user can on mobile phone or with the wearable device of handset binding on arrange small amount pay time preset time period be 1h, and the threshold value arranging the number of times that small amount pays in 1h is 5 times, like this, wearable device itself can detect brush mass transit card or net in 1h and purchase etc. whether the number of times that small amount pays reaches five times, if reaching five times, illustrate that the wearable device of user is probably lost or stolen, the behavior that pays frequently is likely that other people use this wearable device to carry out brush mass transit card or net is purchased, therefore can automatically forbid the small amount payment function of wearable device at this moment.Simultaneously, it is also possible to send prompting information to the mobile terminal with wearable device binding, to notify user in time, it is convenient to user take measures in time, thus safety of guaranteeing payment, wherein, prompting information can comprise the payment transaction content of wearable device, the real time position etc. of wearable device. In addition, it is possible to according to the setting command received, threshold value is set for the small amount of wearable device in preset time period pays total number of times, or corresponding preset time period and frequency threshold value are set respectively for dissimilar small amount pays. Such as, arranging the threshold value that the small amount of wearable device in 1h pay total number of times is 5 times, it is also possible to arranging the net of wearable device in 1h, to purchase the threshold value paying number of times be 3 times, and the transfer accounts threshold value of number of times of the inter-bank in 2h is 2 times.
In above-mentioned any technology scheme, preferably, wearable device also has ESE chip, described ESE chip is for storing the responsive information of payment transaction, and payment device 200 also comprises: unit 214 is set up in communication connection, when judging that described payment request does not pay as small amount, the communication connection of mobile terminal set up described wearable device and bind with described wearable device; Responsive information transmitting unit 216, sends the responsive information of described payment transaction to the security system of described mobile terminal, completes payment transaction for described security system.
In this technical scheme, ESE (embedded-type security element) chip can be arranged on wearable device, replace in correlation technique and ESE chip is arranged technical scheme in the terminal, reduce the complexity of mobile phone hardware, for wearable device achieves the function carrying out separately mobile payment, improve the convenience of mobile payment and the practicality of wearable device. ESE chip is for storing the responsive information of payment transaction, and namely the account trading information of more high safety grade, such as bank card information etc., is particularly useful for the application scene that wholesale pays. And, ESE chip can be combined by the special safety payment system in multiple systems of terminal, by ESE chip, pertinent transaction information is sent to safety payment system, safety payment system sends this pertinent transaction information to transaction platform server again, after transaction platform server demonstration validation, can directly withhold, and transaction results is fed back to safety payment system, then feed back to wearable device by safety payment system.
In above-mentioned any technology scheme, it may be preferred that below the responsive information of described payment transaction at least one or a combination set of: transaction account, dealing money, trading object, the transaction time.
In this technical scheme, transaction information but be not limited to following at least one or a combination set of: transaction account, dealing money, trading object, the transaction time, multi-exchange information selects space for user provides more many condition, such as, user can be set to when transaction content is daily necessities, use NFC chip directly to exempt from close payment, when transaction content is electronic product, select ESE chip to carry out secure payment.
Fig. 3 shows the block diagram of wearable device according to one embodiment of present invention.
As shown in Figure 3, wearable device 300 according to one embodiment of present invention, comprises the payment device 200 shown in Fig. 2, and therefore, wearable device 300 has the technique effect identical with the payment device 200 shown in Fig. 2, does not repeat them here.
Fig. 4 shows the schema of the payment procedure according to an alternative embodiment of the invention.
As shown in Figure 4, according to the payment procedure of an alternative embodiment of the invention, comprising:
Step 402, wearable device initiates to pay request.
Step 404, determines whether the online payment of wholesale, when judged result is for being, enters step 406, otherwise, enter step 408.
Step 406, is connected communication with the security system of mobile phone, by the security system of the sensitive information transfer such as transaction account, password and the amount of money to mobile phone.
Step 408, it is determined that for small amount pays.
Step 410, enables virtual private network in the security system of mobile phone, the responsive information of wearable device transmission is sent to transaction platform server and confirms.
Step 412, transaction platform server confirms to withhold and feedback trading result after being verified.
Step 414, by NFC chip and antenna thereof and external transaction equipment communication, carries out exempting from close payment.
Step 416, transaction platform server confirms to withhold and feedback trading result after being verified.
Fig. 5 shows the mutual schematic diagram of wearable device according to one embodiment of present invention and mobile phone.
As shown in Figure 5, mobile phone 500 has safety payment system 502 and other systems 505, wherein, ESE chip 6044 is connected to safety payment system 502, by ESE chip 6044, pertinent transaction information is sent to safety payment system 502, and safety payment system 502 sends this pertinent transaction information to transaction platform server again, after transaction platform server demonstration validation, can directly withhold, and transaction results is fed back to safety payment system 502, then feed back to wearable device by safety payment system 502. ESE chip can also be arranged on wearable device, replace in correlation technique and ESE chip is arranged technical scheme in the terminal, reduce the complexity of mobile phone hardware, for wearable device achieves the function carrying out separately mobile payment, improve the convenience of mobile payment and the practicality of wearable device.
And the payment module 604 of wearable device 600 also comprises NFC chip 6042, NFC chip 6042 is connected to controller 602, for carrying out near-field communication by antenna and external transaction equipment, pays electronic cash with externally traction equipment. Reduce the complexity of mobile phone hardware, for wearable device achieves the function carrying out separately mobile payment, improve the convenience of mobile payment and the practicality of wearable device. Can NFC chip be arranged in wearable device, replace in correlation technique and NFC chip is arranged technical scheme in the terminal, reduce the complexity of mobile phone hardware, for wearable device achieves the function carrying out separately mobile payment, improve the convenience of mobile payment and the practicality of wearable device.
More than it is described with reference to the accompanying drawings the technical scheme of the present invention, by the technical scheme of the present invention, when judging that paying request pays as small amount, wearable device can be directly mutual by antenna and peripheral hardware payment devices, electronic cash in deduction wearable device, achieve and exempt from close payment, improve the convenience of mobile payment, simultaneously, also reduce the complexity of mobile phone hardware, for wearable device achieves the function carrying out separately mobile payment, improve the convenience of mobile payment and the practicality of wearable device.
The foregoing is only the preferred embodiments of the present invention, be not limited to the present invention, for a person skilled in the art, the present invention can have various modifications and variations. Within the spirit and principles in the present invention all, any amendment of doing, equivalent replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (11)
1. a payment procedure, for wearable device, it is characterised in that, described wearable device has the NFC chip for near-field communication, and described payment procedure comprises:
Obtain the request of payment;
Judge whether described payment request is that small amount pays;
If small amount pays, then initiate to exempt from close payment transaction by described NFC chip, complete payment process.
2. payment procedure according to claim 1, it is characterised in that, described judge that whether described payment request is that small amount pays, specifically comprise:
Judge whether the described amount of money paying request is less than or equals single payment limit; And/or
Judge whether the amount of money and the history payment sum on the same day of described payment request are less than or equal odd-numbered day payment limit.
3. payment procedure according to claim 2, it is characterised in that, also comprise:
The small amount being recorded in preset time period pays number of times;
Detect described small amount and pay whether number of times reaches threshold value;
If reaching threshold value, then forbid the small amount payment function of described wearable device, the mobile terminal that send prompting information is extremely bound with described wearable device.
4. payment procedure according to any one of claim 1 to 3, it is characterised in that, described wearable device also has ESE chip, described ESE chip for storing the responsive information of payment transaction, and
Described payment procedure also comprises:
When judging that described payment request does not pay as small amount, the communication connection of mobile terminal set up described wearable device and bind with described wearable device;
Send the responsive information of described payment transaction to the security system of described mobile terminal, complete payment transaction for described security system.
5. payment procedure according to claim 4, it is characterised in that, below the responsive information of described payment transaction at least one or a combination set of: transaction account, dealing money, trading object, the transaction time.
6. pay a device, for wearable device, it is characterised in that, described wearable device has the NFC chip for near-field communication, and described payment device comprises:
Pay acquisition request unit, obtain the request of payment;
Pay amount judging unit, judge whether described payment request is that small amount pays;
First actuator unit, if described payment amount judging unit judges that described payment request pays as small amount, then initiates to exempt from close payment transaction by described NFC chip, completes payment process.
7. payment device according to claim 6, it is characterised in that, described payment amount judging unit specifically for:
Judge whether the described amount of money paying request is less than or equals single payment limit, and/or judge whether the amount of money of described payment request and the history payment sum on the same day are less than or equal odd-numbered day payment limit.
8. payment device according to claim 7, it is characterised in that, also comprise:
Paying number of times record cell, the small amount being recorded in preset time period pays number of times;
Detecting unit, detects described small amount and pays whether number of times reaches threshold value;
2nd actuator unit, if described detecting unit detects that described small amount pays number of times and reaches threshold value, then forbids the small amount payment function of described wearable device, the mobile terminal that send prompting information is extremely bound with described wearable device.
9. payment device according to any one of claim 6 to 8, it is characterised in that, described wearable device also has ESE chip, described ESE chip for storing the responsive information of payment transaction, and
Described payment device also comprises:
Unit is set up in communication connection, when judging that described payment asks not pay as small amount, and the communication connection of mobile terminal set up described wearable device and bind with described wearable device;
Responsive information transmitting unit, sends the responsive information of described payment transaction to the security system of described mobile terminal, completes payment transaction for described security system.
10. payment device according to claim 9, it is characterised in that, below the responsive information of described payment transaction at least one or a combination set of: transaction account, dealing money, trading object, the transaction time.
11. 1 kinds of wearable devices, it is characterised in that, comprise the payment device as according to any one of claim 6 to 10.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201511017122.2A CN105654286A (en) | 2015-12-29 | 2015-12-29 | Payment method, payment device and wearable device |
| PCT/CN2016/074889 WO2017113503A1 (en) | 2015-12-29 | 2016-02-29 | Payment method, payment apparatus and wearable device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201511017122.2A CN105654286A (en) | 2015-12-29 | 2015-12-29 | Payment method, payment device and wearable device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105654286A true CN105654286A (en) | 2016-06-08 |
Family
ID=56477396
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201511017122.2A Pending CN105654286A (en) | 2015-12-29 | 2015-12-29 | Payment method, payment device and wearable device |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN105654286A (en) |
| WO (1) | WO2017113503A1 (en) |
Cited By (23)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106296183A (en) * | 2016-08-01 | 2017-01-04 | 西宁高通交通科技有限公司 | The off-line charging method of a kind of smart card and equipment |
| CN106327197A (en) * | 2016-08-24 | 2017-01-11 | 努比亚技术有限公司 | Payment device, terminal and payment method |
| CN106651358A (en) * | 2016-11-18 | 2017-05-10 | 广东乐源数字技术有限公司 | Virtual currency consuming method in closed system |
| CN106682908A (en) * | 2016-12-29 | 2017-05-17 | 努比亚技术有限公司 | Payment device and method |
| CN106709710A (en) * | 2016-11-18 | 2017-05-24 | 广东乐源数字技术有限公司 | Virtual currency exchange and consumption system |
| CN107451814A (en) * | 2017-07-06 | 2017-12-08 | 广东小天才科技有限公司 | A kind of data method of payment, device and user equipment |
| CN107633401A (en) * | 2017-08-30 | 2018-01-26 | 珠海市魅族科技有限公司 | Method of payment, device, system, computer installation and readable storage medium storing program for executing |
| CN107705111A (en) * | 2016-12-02 | 2018-02-16 | 西安艾润物联网技术服务有限责任公司 | Electric paying method and device |
| WO2018049851A1 (en) * | 2016-09-19 | 2018-03-22 | 中兴通讯股份有限公司 | Payment method, mobile terminal and nfc terminal |
| CN107909371A (en) * | 2017-10-26 | 2018-04-13 | 珠海市魅族科技有限公司 | Method of payment, payment mechanism, computer installation and computer-readable recording medium |
| WO2018090499A1 (en) * | 2016-11-21 | 2018-05-24 | 华为技术有限公司 | Transaction method, payment device, verification device, and server |
| CN108537897A (en) * | 2018-04-16 | 2018-09-14 | 西安艾润物联网技术服务有限责任公司 | Parking charge management method, server and storage medium |
| CN108604346A (en) * | 2016-10-31 | 2018-09-28 | 华为技术有限公司 | A kind of method of commerce, payment devices, verification equipment and server |
| CN108665250A (en) * | 2018-05-21 | 2018-10-16 | 北京橙鑫数据科技有限公司 | A kind of information processing method, device, hardware wallet and system |
| CN108960815A (en) * | 2018-07-10 | 2018-12-07 | 广东小天才科技有限公司 | A kind of method, apparatus paid by wearable device and wearable device |
| CN109146494A (en) * | 2018-08-06 | 2019-01-04 | 广东小天才科技有限公司 | A kind of method of payment, system and wearable device |
| CN109285001A (en) * | 2018-08-31 | 2019-01-29 | 阿里巴巴集团控股有限公司 | The equipment of payable transport cost, unit equipment, system and method |
| CN109308613A (en) * | 2018-09-11 | 2019-02-05 | 阿里巴巴集团控股有限公司 | A kind of payment request processing method and processing device |
| CN109426957A (en) * | 2017-08-29 | 2019-03-05 | 万事达卡国际公司 | The system of user for validation of payment equipment |
| CN110378689A (en) * | 2019-07-24 | 2019-10-25 | 北京顺丰同城科技有限公司 | A kind of method of payment, device, electronic equipment and computer readable storage medium |
| CN111754213A (en) * | 2020-06-24 | 2020-10-09 | 中国银行股份有限公司 | Transfer transaction processing method and system for mobile phone bank |
| CN112085508A (en) * | 2019-06-13 | 2020-12-15 | 奇酷互联网络科技（深圳）有限公司 | Payment method, terminal and device with storage function |
| CN113516479A (en) * | 2021-07-14 | 2021-10-19 | 聚合吧科技有限公司 | Method, device and equipment for quick payment and storage medium thereof |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20100088228A1 (en) * | 2008-10-02 | 2010-04-08 | International Business Machines Corporation | Method and System For Dual Layer Authentication For Electronic Payment Request In Online Transactions |
| CN103208075A (en) * | 2013-03-29 | 2013-07-17 | 东莞宇龙通信科技有限公司 | Near field communication (NFC) technology-based payment method and payment system |
| CN104537531A (en) * | 2014-11-24 | 2015-04-22 | 惠州Tcl移动通信有限公司 | Wearable equipment and data interaction method based on wearable equipment |
| CN104574086A (en) * | 2014-12-29 | 2015-04-29 | 宇龙计算机通信科技(深圳)有限公司 | Payment method, device and terminal |
| CN104915828A (en) * | 2015-05-15 | 2015-09-16 | 努比亚技术有限公司 | Near field communication-based data processing method, device and system |
Family Cites Families (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US10380588B2 (en) * | 2014-05-13 | 2019-08-13 | Mastercard International Incorporated | Passive cardholder verification method in mobile device |
| CN105354704A (en) * | 2015-10-15 | 2016-02-24 | 百度在线网络技术（北京）有限公司 | Resource processing method, apparatus and system |
-
2015
- 2015-12-29 CN CN201511017122.2A patent/CN105654286A/en active Pending
-
2016
- 2016-02-29 WO PCT/CN2016/074889 patent/WO2017113503A1/en active Application Filing
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20100088228A1 (en) * | 2008-10-02 | 2010-04-08 | International Business Machines Corporation | Method and System For Dual Layer Authentication For Electronic Payment Request In Online Transactions |
| CN103208075A (en) * | 2013-03-29 | 2013-07-17 | 东莞宇龙通信科技有限公司 | Near field communication (NFC) technology-based payment method and payment system |
| CN104537531A (en) * | 2014-11-24 | 2015-04-22 | 惠州Tcl移动通信有限公司 | Wearable equipment and data interaction method based on wearable equipment |
| CN104574086A (en) * | 2014-12-29 | 2015-04-29 | 宇龙计算机通信科技(深圳)有限公司 | Payment method, device and terminal |
| CN104915828A (en) * | 2015-05-15 | 2015-09-16 | 努比亚技术有限公司 | Near field communication-based data processing method, device and system |
Cited By (32)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106296183A (en) * | 2016-08-01 | 2017-01-04 | 西宁高通交通科技有限公司 | The off-line charging method of a kind of smart card and equipment |
| CN106327197A (en) * | 2016-08-24 | 2017-01-11 | 努比亚技术有限公司 | Payment device, terminal and payment method |
| WO2018049851A1 (en) * | 2016-09-19 | 2018-03-22 | 中兴通讯股份有限公司 | Payment method, mobile terminal and nfc terminal |
| CN108604346A (en) * | 2016-10-31 | 2018-09-28 | 华为技术有限公司 | A kind of method of commerce, payment devices, verification equipment and server |
| CN108604346B (en) * | 2016-10-31 | 2022-05-10 | 华为技术有限公司 | Transaction method, payment equipment, verification equipment and server |
| CN106651358A (en) * | 2016-11-18 | 2017-05-10 | 广东乐源数字技术有限公司 | Virtual currency consuming method in closed system |
| CN106709710A (en) * | 2016-11-18 | 2017-05-24 | 广东乐源数字技术有限公司 | Virtual currency exchange and consumption system |
| WO2018090499A1 (en) * | 2016-11-21 | 2018-05-24 | 华为技术有限公司 | Transaction method, payment device, verification device, and server |
| CN108604341A (en) * | 2016-11-21 | 2018-09-28 | 华为技术有限公司 | Method of commerce, payment devices, calibration equipment and server |
| CN107705111A (en) * | 2016-12-02 | 2018-02-16 | 西安艾润物联网技术服务有限责任公司 | Electric paying method and device |
| CN106682908A (en) * | 2016-12-29 | 2017-05-17 | 努比亚技术有限公司 | Payment device and method |
| CN106682908B (en) * | 2016-12-29 | 2021-08-10 | 努比亚技术有限公司 | Payment device and method |
| CN107451814A (en) * | 2017-07-06 | 2017-12-08 | 广东小天才科技有限公司 | A kind of data method of payment, device and user equipment |
| CN109426957B (en) * | 2017-08-29 | 2022-08-30 | 万事达卡国际公司 | System for authenticating a user of a payment device |
| CN109426957A (en) * | 2017-08-29 | 2019-03-05 | 万事达卡国际公司 | The system of user for validation of payment equipment |
| US11341479B2 (en) | 2017-08-29 | 2022-05-24 | Mastercard International Incorporated | System for verifying a user of a payment device |
| CN107633401A (en) * | 2017-08-30 | 2018-01-26 | 珠海市魅族科技有限公司 | Method of payment, device, system, computer installation and readable storage medium storing program for executing |
| CN107909371A (en) * | 2017-10-26 | 2018-04-13 | 珠海市魅族科技有限公司 | Method of payment, payment mechanism, computer installation and computer-readable recording medium |
| CN108537897A (en) * | 2018-04-16 | 2018-09-14 | 西安艾润物联网技术服务有限责任公司 | Parking charge management method, server and storage medium |
| CN108537897B (en) * | 2018-04-16 | 2021-11-30 | 西安艾润物联网技术服务有限责任公司 | Parking lot parking charge management method, server and storage medium |
| CN108665250A (en) * | 2018-05-21 | 2018-10-16 | 北京橙鑫数据科技有限公司 | A kind of information processing method, device, hardware wallet and system |
| CN108665250B (en) * | 2018-05-21 | 2022-05-31 | 北京橙鑫数据科技有限公司 | Information processing method, device, hardware wallet and system |
| CN108960815A (en) * | 2018-07-10 | 2018-12-07 | 广东小天才科技有限公司 | A kind of method, apparatus paid by wearable device and wearable device |
| CN109146494A (en) * | 2018-08-06 | 2019-01-04 | 广东小天才科技有限公司 | A kind of method of payment, system and wearable device |
| US11205169B2 (en) | 2018-08-31 | 2021-12-21 | Advanced New Technologies Co., Ltd. | Device, combination of devices, system, and method for paying transportation fares |
| CN109285001A (en) * | 2018-08-31 | 2019-01-29 | 阿里巴巴集团控股有限公司 | The equipment of payable transport cost, unit equipment, system and method |
| CN109308613B (en) * | 2018-09-11 | 2021-10-29 | 创新先进技术有限公司 | Payment request processing method and device |
| CN109308613A (en) * | 2018-09-11 | 2019-02-05 | 阿里巴巴集团控股有限公司 | A kind of payment request processing method and processing device |
| CN112085508A (en) * | 2019-06-13 | 2020-12-15 | 奇酷互联网络科技（深圳）有限公司 | Payment method, terminal and device with storage function |
| CN110378689A (en) * | 2019-07-24 | 2019-10-25 | 北京顺丰同城科技有限公司 | A kind of method of payment, device, electronic equipment and computer readable storage medium |
| CN111754213A (en) * | 2020-06-24 | 2020-10-09 | 中国银行股份有限公司 | Transfer transaction processing method and system for mobile phone bank |
| CN113516479A (en) * | 2021-07-14 | 2021-10-19 | 聚合吧科技有限公司 | Method, device and equipment for quick payment and storage medium thereof |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2017113503A1 (en) | 2017-07-06 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN105654286A (en) | Payment method, payment device and wearable device | |
| CN107005280A (en) | For there is electric energy and without the applicable adaptive coil NFC antenna of electricity | |
| CN104933555B (en) | Moade setting method and device | |
| CN104200362A (en) | Payment processing method based on NFC smart card and mobile internet terminal | |
| CN104392347B (en) | A kind of account application method, creation method, relevant device and system | |
| CN104769622A (en) | Method for authentication using biometric data for mobile device e-commerce transactions | |
| CN104361493A (en) | Electronic payment method on basis of biological characteristics | |
| CN101950453A (en) | Novel mobile phone payment terminal-based payment method | |
| CN201732442U (en) | POS (point of sale) of mobile phone | |
| KR101656062B1 (en) | Method for securing a transaction performed with a programmable portable device | |
| CN104601537B (en) | A kind of control method and relevant device, system of data transfer | |
| CN104574081A (en) | Network payment method as well as related equipment and system | |
| Ghag et al. | A comprehensive study of google wallet as an NFC application | |
| CN105608563A (en) | Payment processing method, related equipment and payment processing system | |
| CN104778579A (en) | Induction payment method and device based on electronic identity recognition carrier | |
| JP6224289B2 (en) | Mobile terminal, control method and program | |
| CN105897721A (en) | Method and device for verifying reliability of identity of financial card user | |
| CN107563764A (en) | A kind of method of network payment and system | |
| JP7223753B2 (en) | payment processing | |
| CN108431848A (en) | The commission of transaction | |
| CN206757698U (en) | A kind of mobile-payment system based on NFC | |
| US20190188725A1 (en) | Wireless payments using a wearable device | |
| WO2014146286A1 (en) | Secure payment system and method for bank card by using real-time communication | |
| CN106204025A (en) | A kind of method of payment based on SIM and device | |
| CN110070355A (en) | A kind of virtual card method of payment, mobile device |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20160608 |
|
| RJ01 | Rejection of invention patent application after publication |