CN106204026A - A kind of method and device of mobile payment - Google Patents
A kind of method and device of mobile payment Download PDFInfo
- Publication number
- CN106204026A CN106204026A CN201610585928.XA CN201610585928A CN106204026A CN 106204026 A CN106204026 A CN 106204026A CN 201610585928 A CN201610585928 A CN 201610585928A CN 106204026 A CN106204026 A CN 106204026A
- Authority
- CN
- China
- Prior art keywords
- payment
- hce
- security
- terms
- current network
- 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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
-
- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/351—Virtual cards
-
- 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
- G06Q20/405—Establishing or using transaction specific rules
Abstract
The present invention discloses the method and device of a kind of mobile payment, relates to technical field of communication network, can solve the problem that mobile payment is inefficient.The embodiment of the present invention pays request by receiving NFC, and NFC pays to carry in request and this time pays the type of card applied；Secondly from route handoff relation table, search the HCE application that type of card is corresponding, and each HCE applies the corresponding terms of payment and the means of payment；It is then determined that first terms of payment that current network state and security of system state are met；From HCE applies, choose a HCE application of satisfied first terms of payment, use a HCE application and a HCE to apply the corresponding means of payment to pay.The scheme that the embodiment of the present invention provides is suitable to use during mobile payment.
Description
Technical field
The present invention relates to communication technical field, particularly relate to the method and device of a kind of mobile payment.
Background technology
NFC (Near Field Communication, wireless near field communication) technology is by RFID (Radio
Frequency Identification, radio frequency identification) technology and the Technology Integration that interconnects develop.NFC technique
Can be implemented in combining induction card reader on one chip, vicarious card and point-to-point function, so that having NFC merit
The terminal of energy is identified with compatible equipment (such as: NFC reader) and data exchange in short distance.
HCE (Host-based Card Emulation, Host Based card is simulated) is Host Based card simulation skill
Art, this technology is accused by the communication protocol between simulation NFC and SE (Secure Element, security module) and communication process
Knowing NFC reader, this main frame has the support of SE, and the terminal i.e. with NFC function can be in the case of not having SE, it is achieved NFC
Mobile payment.HCE can carry out card simulation based on high in the clouds, will the data that receive of the NFC chip in this main frame by mobile
Network sends to high in the clouds, the storage of the most enterprising row data and process, it is seen then that carry out the mode of card simulation to shifting based on high in the clouds
The dependency of dynamic network is higher, if the signal of mobile network is more weak, then cannot ensure that data normally send to high in the clouds, it may appear that
Pay failed situation so that user needs to re-start payment, reduce payment efficiency.
Summary of the invention
Embodiments of the invention provide the method and device of a kind of mobile payment, can solve mobile payment inefficient
Problem.
For reaching above-mentioned purpose, embodiments of the invention adopt the following technical scheme that
First aspect, the embodiment of the present invention provides a kind of method of mobile payment, and described method is applied in terminal, described
Method includes:
Receiving wireless near field communication NFC and pay request, described NFC pays to carry in request and this time pays the card applied
Sheet type；
The Host Based card simulation HCE application that described type of card is corresponding is searched from route handoff relation table, and
The terms of payment of each described HCE application correspondence and the means of payment；
Determine first terms of payment that current network state and security of system state are met；
From described HCE applies, choose the HCE application meeting described first terms of payment, use a described HCE
The means of payment of application and a described HCE application correspondence pays.
Second aspect, the embodiment of the present invention provides the device of a kind of mobile payment, and described device is applied in terminal, described
Device includes:
Receiving unit, be used for receiving wireless near field communication NFC and pay request, described NFC pays in request and carries this
Pay the type of card applied；
Search unit, for searching the Host Based card simulation that described type of card is corresponding from route handoff relation table
HCE applies, and each described HCE applies the corresponding terms of payment and the means of payment；
Determine unit, for determining first terms of payment that current network state and security of system state are met；
Payment unit, chooses the HCE application meeting described first terms of payment for applying from described HCE, adopts
The means of payment corresponding with a described HCE application and a described HCE application pays.
The method and device of the mobile payment that the embodiment of the present invention provides, terminal receives to carry and this time pays the card applied
The NFC of sheet type pays request, searches the HCE application that type of card is corresponding, and each HCE should from route handoff relation table
By the corresponding terms of payment and the means of payment, it is then determined that first that current network state and security of system state are met
The condition of paying, and then from HCE applies, choose a HCE application of satisfied first terms of payment, use a HCE application and the
The means of payment of one HCE application correspondence pays, and with prior art, if the signal of mobile network is more weak, then cannot protect
Card data normally send to high in the clouds, reduce payment efficiency and compare, in the embodiment of the present invention, have multiple in route handoff relation table
HCE application is available for terminal and selects, and terminal chooses a HCE application of satisfied first terms of payment from above-mentioned HCE applies,
Pay, because each HCE applies the corresponding terms of payment and the means of payment and differs, so, terminal is no longer limited to
The single terms of payment and the means of payment, when paying, can have multiple choices, when the one of which terms of payment are unsatisfactory for
Time, the means of payment that the another kind of terms of payment are corresponding can be used, decrease and pay failed number of times, improve mobile payment effect
Rate.
Accompanying drawing explanation
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
In having technology to describe, the required accompanying drawing used is briefly described, it should be apparent that, the accompanying drawing in describing below is only this
Some embodiments of invention, for those of ordinary skill in the art, on the premise of not paying creative work, it is also possible to
Other accompanying drawing is obtained according to these accompanying drawings.
The flow chart of the method for a kind of mobile payment that Fig. 1 provides for the embodiment of the present invention；
The flow chart of the method for the another kind of mobile payment that Fig. 2 provides for the embodiment of the present invention；
The logical structure schematic diagram of the device of a kind of mobile payment that Fig. 3 provides for the embodiment of the present invention；
The logical structure schematic diagram of the device of the another kind of mobile payment that Fig. 4 provides for the embodiment of the present invention.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Describe, it is clear that described embodiment is only a part of embodiment of the present invention rather than whole embodiments wholely.Based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under not making creative work premise
Embodiment, broadly falls into the scope of protection of the invention.
In order under the premise that security is guaranteed, improve the efficiency of mobile payment, embodiments provide a kind of mobile
The method paid, is applied in terminal, as it is shown in figure 1, the method includes:
101, receiving NFC and pay request, NFC pays to carry in request and this time pays the type of card applied.
Wherein, NFC pays request and is sent by NFC reader, and when user needs to carry out NFC payment, terminal is leaned on by user
Nearly NFC reader, NFC reader can produce a NFC and pay request, after terminal receives this NFC payment request, reads with NFC
Card device is identified exchanging with data.Different businessmans may use different NFC reader, and NFC pays in request and carries
Pay the type of card applied, such as: user needs the stored value card using this dining room to pay in A dining room, then this dining room
NFC reader sends NFC to terminal and pays request, and terminal pays the information of this stored value card carried in request, mould according to this NFC
Intend into this stored value card complete pay, user need in certain market use fiscard pay, then the NFC reader in this market to
Terminal sends NFC and pays request, and terminal pays the information of this fiscard carried in request according to this NFC, is modeled to this finance
Block payment.
102, from route handoff relation table, search the HCE application that type of card is corresponding, and each HCE applies correspondence
The terms of payment and the means of payment.
Wherein, route handoff relation table creates when disposing HCE card simulation application in the terminal and safeguards, route is cut
Change each list item in relation table all store the Apply Names of HCE application, AID (application identifier,
Application identities), type of card, the means of payment, the terms of payment and pay routed path.Such as, Apply Names is A bank, card
Sheet type is that fiscard, the means of payment are for being A based on high in the clouds, the terms of payment for having reliable network link, payment routed path
Bank client, in embodiments of the present invention, the means of payment includes the HCE means of payment or based on local software based on high in the clouds
The HCE means of payment, the terms of payment include reliable network link and/or pay Environmental security, and as an example, route is cut
Change relation table as shown in table 1.
Table 1
When terminal receives NFC payment request, get from NFC payment request and this time pay the card-like applied
Type, then, from route handoff relation table, find out the information corresponding with type of card, such as, in conjunction with table 1, when type of card is
During fiscard, then find out HCE corresponding to fiscard and apply, respectively A bank's mobile payment card and B bank mobile payment card,
The corresponding terms of payment respectively have reliable network link and pay Environmental security, and the means of payment is respectively based on high in the clouds
HCE pays, and HCE based on local software pays；When type of card is rechargeable card, then search from route handoff relation table
Going out the HCE application corresponding with rechargeable card, for E dining room rechargeable card, the corresponding terms of payment are for having reliable network link, payer
Formula is that HCE based on high in the clouds pays.
103, first terms of payment that current network state and security of system state are met are determined.
Such as: if current network state is for there being reliable network link, security of system state for pay environment dangerous time,
Then determine that first terms of payment that current network state and security of system state met are for there being reliable network link.
104, from HCE apply choose satisfied first terms of payment the oneth HCE application, use the oneth HCE application and
The means of payment of the oneth HCE application correspondence pays.
It should be noted that this step is to select from the HCE application that the type of card entrained by this pays request is corresponding
Take a HCE application.
Such as: if finding out the HCE application corresponding with fiscard according to above-mentioned steps 102 is A bank mobile payment card
With B bank mobile payment card, and determine first terms of payment for having reliable network link, then by table 1 according to step 103
Understanding, the terms of payment of A bank mobile payment card are for there being reliable network link, and the terms of payment of B bank mobile payment card are
Pay Environmental security, then the HCE application meeting first terms of payment is A bank mobile payment card, uses A bank to move and props up
Pay the HCE means of payment based on high in the clouds corresponding to card to complete to pay.
The method of the mobile payment that the embodiment of the present invention provides, terminal receives to carry and this time pays the type of card applied
NFC pay request, from route handoff relation table search type of card corresponding HCE application, and each HCE application correspondence
The terms of payment and the means of payment, it is then determined that current network state and security of system state met first payment bar
Part, and then from HCE applies, choose a HCE application of satisfied first terms of payment, use a HCE application and first
The means of payment of HCE application correspondence pays, and with prior art, if the signal of mobile network is more weak, then cannot ensure
Data normally send to high in the clouds, reduce payment efficiency and compare, in the embodiment of the present invention, have multiple in route handoff relation table
HCE application is available for terminal and selects, and terminal chooses a HCE application of satisfied first terms of payment from above-mentioned HCE applies,
Pay, because each HCE applies the corresponding terms of payment and the means of payment and differs, so, terminal is no longer limited to
The single terms of payment and the means of payment, when paying, can have multiple choices, when the one of which terms of payment are unsatisfactory for
Time, the means of payment that the another kind of terms of payment are corresponding can be used, decrease and pay failed number of times, improve payment efficiency.
It is understood that need first to determine that current network state just may further determine that first terms of payment, so
In the another kind of implementation that the embodiment of the present invention provides, as in figure 2 it is shown, in above-mentioned steps 103, determining current network shape
Before first terms of payment that state and security of system state are met, also need perform following steps:
201, determine current network state and security of system state, current network state include reliable network link with
And without reliable network link, security of system state includes paying Environmental security and pays environment dangerous.
During it is understood that pay each time, terminal all needs to determine current network state and security of system state.
It should be noted that step 201 can be implemented in the optional position before step 103, Fig. 2 performs with step 201
As a example by after step 102.
In the case of current network state and security of system state difference, the first terms of payment the most not phase determined
With, so step 103, determining first terms of payment that current network state and security of system state are met, the most permissible
Below point, three kinds of modes perform:
1031, when current network state is for there being reliable network link, and security of system state for pay environment dangerous time,
Determine that first terms of payment that current network state and security of system state met are for there being reliable network link.
It should be noted that when first terms of payment are for there being reliable network link, pay request from this entrained
Type of card corresponding HCE application in choose the terms of payment be have reliable network link the oneth HCE application, then, adopt
The means of payment corresponding with a HCE application and HCE application pays.
Such as, in conjunction with table 1, when the type of card paid in request is fiscard, and currently there is reliable network link, but
Be pay environment dangerous time, then can choose A bank card use the means of payment based on high in the clouds pay.
1032, be without reliable network link when current network state, and security of system state for paying Environmental security time, really
Determine current network state and first terms of payment that security of system state is met are for paying Environmental security.
It should be noted that when first terms of payment are for paying Environmental security, pay the card entrained by request from this
Choosing the terms of payment in the HCE application that sheet type is corresponding is to pay a HCE application of Environmental security, then, uses a HCE
The means of payment of application and HCE application correspondence pays.
Such as, in conjunction with table 1, when the type of card paid in request is fiscard, and currently without reliable network link, but
When being to pay Environmental security, then can choose B bank card and use the means of payment based on local software to pay.
1033, when current network state is for there being reliable link, and when security of system state is to pay Environmental security, determines and work as
First terms of payment that front network state and security of system state are met are for having reliable network link or paying environment peace
Entirely.
It should be noted that when first terms of payment are for having reliable network link or paying Environmental security, from this
The HCE application that the secondary type of card paid entrained by request is corresponding is chosen the terms of payment for having reliable network link or propping up
Pay a HCE application of Environmental security, then, use a HCE application and a HCE to apply the corresponding means of payment to carry out
Pay.
It should be noted that first terms of payment determined in step 1033 are for having reliable network link or payment
During Environmental security, it is understood that there may be at least two meets a HCE application of first terms of payment, such as, when paying in request
When type of card is fiscard, and currently there is reliable network link, but when paying Environmental security, bank card A and bank card B is
Meet first terms of payment.
Now, when performing step 104, a limit priority can be chosen from least two the oneth HCE applies
Oneth HCE application, uses limit priority the oneth HCE application and the means of payment of limit priority the oneth HCE application correspondence
Paying, wherein, the priority of HCE application can point out user to be configured while creating route handoff relation table,
For example, it is possible to arrange the priority paid based on high in the clouds to be higher than the priority paid based on local software.
Or, when there is the HCE that at least two meets first terms of payment, it is also possible to output pays prompting,
Pay prompting to be used for pointing out user to choose a HCE application from least two the oneth HCE applies paying.
It should be noted that the HCE application that type of card is corresponding ought not found, or it is not determined by current network state
And security of system state met first terms of payment time, then output error prompting, miscue is used for pointing out user to prop up
Pay status error, it is impossible to complete to pay.
The method of the mobile payment that the embodiment of the present invention provides, will determine current network state before paying each time
With security of system state, it is to avoid when the network state of terminal or security of system state change, still with changing it
First terms of payment determined by front network state or security of system state, select the means of payment to pay, are caused
Potential safety hazard, thus ensure that the safety paid each time is carried out, and terminal can be according to different network states and system
Safe condition, determines the first different terms of payment, and the HCE application choosing satisfied first terms of payment pays,
The best all can the completing of network state pays, and decreases and pays failed number of times, improves the effect of mobile payment
Rate.
Corresponding to the method flow shown in Fig. 1, in order under the premise that security is guaranteed, improve the efficiency of mobile payment, this
Inventive embodiments provides the device 30 of a kind of mobile payment, and this device 30 is applied in terminal, as it is shown on figure 3, this device 30
Including: receive unit 301, lookup unit 302, determine unit 303 and payment unit 304.
Receiving unit 301, be used for receiving wireless near field communication NFC payment request, NFC pays to carry in request and this time props up
Pay the type of card applied.
Search unit 302, for searching the Host Based card simulation that type of card is corresponding from route handoff relation table
HCE applies, and each HCE applies the corresponding terms of payment and the means of payment.
Determine unit 303, for determining first terms of payment that current network state and security of system state are met.
Payment unit 304, chooses a HCE application of satisfied first terms of payment for applying from HCE, uses first
The means of payment of HCE application and HCE application correspondence pays.
In an alternative embodiment of the invention, as shown in Figure 4, device 30 also includes: creating unit 305.
Creating unit 305, is used for creating route handoff relation table, and in route handoff relation table, correspondence stores each HCE
The Apply Names of application, application identities AID, type of card, the means of payment, the terms of payment and payment routed path.
Determining unit 303, be additionally operable to determine current network state and security of system state, current network state includes
Reliable network link and without reliable network link, security of system state includes paying Environmental security and pays environment uneasy
Entirely；Or, when current network state is for there being reliable network link, and security of system state for pay environment dangerous time, determine
First terms of payment that current network state and security of system state are met are for there being reliable network link；Or, when currently
Network state is without reliable network link, and security of system state for pay Environmental security time, determine current network state and
First terms of payment that security of system state is met are for paying Environmental security；Or, when current network state is for there being reliable chain
Road, and security of system state for paying Environmental security time, determine that current network state and security of system state met the
One terms of payment are for having reliable network link or paying Environmental security.
Payment unit 304, is additionally operable to, when there is at least two the oneth HCE application, apply from least two the oneth HCE
In, choose limit priority the oneth HCE application, use limit priority the oneth HCE application and limit priority the oneth HCE to answer
Pay by the corresponding means of payment；Or, when there is at least two the oneth HCE application, output pays prompting, and payment carries
Show for point out user from least two the oneth HCE apply choose one the oneth HCE application pay；Or, when not looking into
Find the HCE application that type of card is corresponding, or be not determined by current network state and security of system state is met the
During one terms of payment, output error is pointed out, and miscue is used for pointing out user pay status mistake, it is impossible to complete to pay.
The device of the mobile payment that the embodiment of the present invention provides, reception unit receives to carry and this time pays the card applied
The NFC of type pays request, and lookup unit is searched HCE corresponding to type of card from route handoff relation table and applied, and often
The terms of payment of individual HCE application correspondence and the means of payment, determine that unit determines current network state and security of system state institute
First terms of payment met, payment unit is chosen a HCE application of satisfied first terms of payment from HCE applies, is used
Oneth HCE application and the means of payment corresponding to HCE application pay, and in prior art, if mobile network
Signal is more weak, then cannot ensure that data normally send to high in the clouds, reduces payment efficiency and compares, in the embodiment of the present invention, and route
Having multiple HCE application to be available for terminal in handoff relation table to select, terminal is chosen satisfied first from above-mentioned HCE applies and is paid
Oneth HCE application of condition, pays, because each HCE applies the corresponding terms of payment and the means of payment and differs, institute
With, terminal is no longer limited to the single terms of payment and the means of payment, when paying, can have multiple choices, when wherein
When a kind of terms of payment are unsatisfactory for, the means of payment that the another kind of terms of payment are corresponding can be used, decrease pays unsuccessfully secondary
Number, improves mobile payment efficiency.
Through the above description of the embodiments, those skilled in the art is it can be understood that can borrow to the present invention
The mode helping software to add required common hardware realizes, naturally it is also possible to by hardware, but a lot of in the case of the former is more preferably
Embodiment.Based on such understanding, the portion that prior art is contributed by technical scheme the most in other words
Dividing and can embody with the form of software product, this computer software product is stored in the storage medium that can read, such as meter
The floppy disk of calculation machine, hard disk or CD etc., including some instructions with so that computer equipment (can be personal computer,
Server, or the network equipment etc.) method that performs each embodiment of the present invention.
Above, the only detailed description of the invention of the present invention, but protection scope of the present invention is not limited thereto, and any familiar
Those skilled in the art, in the technical scope that the invention discloses, can readily occur in change or replace, should contain
Within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with scope of the claims.
Claims (10)
1. the method for a mobile payment, it is characterised in that described method is applied in terminal, described method includes:
Receiving wireless near field communication NFC and pay request, described NFC pays to carry in request and this time pays the card-like applied
Type；
The Host Based card simulation HCE application that described type of card is corresponding is searched from route handoff relation table, and each
The terms of payment of described HCE application correspondence and the means of payment；
Determine first terms of payment that current network state and security of system state are met；
From described HCE applies, choose the HCE application meeting described first terms of payment, use a described HCE application
And the means of payment corresponding to a described HCE application pays.
The method of mobile payment the most according to claim 1, it is characterised in that before described reception NFC pays request,
Described method also includes:
Create described route handoff relation table, the corresponding application name storing each HCE application in described route handoff relation table
Title, application identities AID, type of card, the means of payment, the terms of payment and payment routed path.
The method of mobile payment the most according to claim 1 and 2, it is characterised in that determine current network state described
And before first terms of payment that met of security of system state, described method also includes:
Determining current network state and security of system state, described current network state includes reliable network link and nothing
Reliable network link, described security of system state includes paying Environmental security and pays environment dangerous；
Described first terms of payment determining that current network state and security of system state are met, including:
When described current network state is for there being reliable network link, and described security of system state for pay environment dangerous time,
Determine that first terms of payment that described current network state and security of system state met are for there being reliable network link；
When described current network state is without reliable network link, and when described security of system state is to pay Environmental security, really
First terms of payment that fixed described current network state and security of system state are met are for paying Environmental security；
When described current network state is for there being reliable link, and when described security of system state is to pay Environmental security, determine institute
State current network state and first terms of payment that security of system state is met are for having reliable network link or paying ring
Border safety.
The method of mobile payment the most according to claim 3, it is characterised in that when there is at least two the oneth HCE application
Time, described method also includes:
From described at least two the oneth HCE applies, choose limit priority the oneth HCE application, use described limit priority
The means of payment of the oneth HCE application and described limit priority the oneth HCE application correspondence pays；Or,
Output pays prompting, and described payment prompting is used for pointing out user to choose one from described at least two the oneth HCE applies
Oneth HCE application pays.
The method of mobile payment the most according to claim 3, it is characterised in that corresponding when not finding described type of card
HCE application, or be not determined by current network state and during first terms of payment that security of system state is met, described
Method also includes:
Output error is pointed out, and described miscue is used for pointing out user pay status mistake, it is impossible to complete to pay.
6. the device of a mobile payment, it is characterised in that described device is applied in terminal, described device includes:
Receiving unit, be used for receiving wireless near field communication NFC and pay request, described NFC pays to carry in request and this time pays
The type of card applied；
Search unit, for searching the Host Based card simulation HCE that described type of card is corresponding from route handoff relation table
Apply, and each described HCE applies the corresponding terms of payment and the means of payment；
Determine unit, for determining first terms of payment that current network state and security of system state are met；
Payment unit, chooses the HCE application meeting described first terms of payment for applying from described HCE, uses institute
The means of payment stating a HCE application and a described HCE application correspondence pays.
The device of mobile payment the most according to claim 6, it is characterised in that described device also includes:
Creating unit, is used for creating described route handoff relation table, and in described route handoff relation table, correspondence stores each HCE
The Apply Names of application, application identities AID, type of card, the means of payment, the terms of payment and payment routed path.
8. according to the device of the mobile payment described in claim 6 or 7, it is characterised in that
Described determining unit, be additionally operable to determine current network state and security of system state, described current network state includes
Having reliable network link and without reliable network link, described security of system state includes paying Environmental security and paying environment
Dangerous；Or, when described current network state is for there being reliable network link, and described security of system state is for paying environment not
Time safe, determine that first terms of payment that described current network state and security of system state met are for there being reliable network chain
Road；Or, when described current network state is without reliable network link, and described security of system state is for paying Environmental security
Time, determine that first terms of payment that described current network state and security of system state are met are payment Environmental security；Or
Person, when described current network state is for there being reliable link, and when described security of system state is to pay Environmental security, determines described
First terms of payment that current network state and security of system state are met are for having reliable network link or paying environment
Safety.
The device of mobile payment the most according to claim 8, it is characterised in that
Described payment unit, is additionally operable to, when there is at least two the oneth HCE application, apply from described at least two the oneth HCE
In, choose limit priority the oneth HCE application, use described limit priority the oneth HCE application and described limit priority
The means of payment of the oneth HCE application correspondence pays；Or, when there is at least two the oneth HCE application, output payment carries
Showing, described payment prompting is used for pointing out user to choose a HCE application from described at least two the oneth HCE applies and carries out
Pay.
The device of mobile payment the most according to claim 8, it is characterised in that
Described payment unit, is additionally operable to not find the HCE application that described type of card is corresponding, or is not determined by current net
During first terms of payment that network state and security of system state are met, output error is pointed out, and described miscue is used for carrying
Show user's pay status mistake, it is impossible to complete to pay.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610585928.XA CN106204026A (en) | 2016-07-22 | 2016-07-22 | A kind of method and device of mobile payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610585928.XA CN106204026A (en) | 2016-07-22 | 2016-07-22 | A kind of method and device of mobile payment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106204026A true CN106204026A (en) | 2016-12-07 |
Family
ID=57492529
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610585928.XA Pending CN106204026A (en) | 2016-07-22 | 2016-07-22 | A kind of method and device of mobile payment |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106204026A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110475233A (en) * | 2018-05-09 | 2019-11-19 | 腾讯科技（深圳）有限公司 | Resource transfers method, apparatus, computer equipment and storage medium |
| WO2020118516A1 (en) * | 2018-12-11 | 2020-06-18 | Orange | Method for operating a device for selecting a virtual card in a digital wallet |
| WO2020182064A1 (en) * | 2019-03-11 | 2020-09-17 | 华为技术有限公司 | Method for automatically selecting nfc emulation card, electronic apparatus, and communications system |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20110238569A1 (en) * | 2010-03-25 | 2011-09-29 | Bizmodeline Co., Ltd. | Mobile payments |
| CN104751330A (en) * | 2015-03-13 | 2015-07-01 | 广东欧珀移动通信有限公司 | Payment method and intelligent device |
| CN105631662A (en) * | 2015-06-19 | 2016-06-01 | 宇龙计算机通信科技(深圳)有限公司 | NFC payment method, NFC payment system and mobile terminal |
-
2016
- 2016-07-22 CN CN201610585928.XA patent/CN106204026A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20110238569A1 (en) * | 2010-03-25 | 2011-09-29 | Bizmodeline Co., Ltd. | Mobile payments |
| CN104751330A (en) * | 2015-03-13 | 2015-07-01 | 广东欧珀移动通信有限公司 | Payment method and intelligent device |
| CN105631662A (en) * | 2015-06-19 | 2016-06-01 | 宇龙计算机通信科技(深圳)有限公司 | NFC payment method, NFC payment system and mobile terminal |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110475233A (en) * | 2018-05-09 | 2019-11-19 | 腾讯科技（深圳）有限公司 | Resource transfers method, apparatus, computer equipment and storage medium |
| WO2020118516A1 (en) * | 2018-12-11 | 2020-06-18 | Orange | Method for operating a device for selecting a virtual card in a digital wallet |
| WO2020182064A1 (en) * | 2019-03-11 | 2020-09-17 | 华为技术有限公司 | Method for automatically selecting nfc emulation card, electronic apparatus, and communications system |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN103548395B (en) | For the method and apparatus with the battery of safety element | |
| CN205407821U (en) | A near field communication device | |
| CN104618905A (en) | WIFI hotspot sharing method and mobile terminal | |
| US20070075133A1 (en) | Method, System and Computer-Readable Medium for Radio Frequency Identification Device | |
| CN102136085B (en) | Telecom smart card and telecom smart card-based non-contact application management method | |
| US20150112860A1 (en) | Contactless Payment Method, Device, and System | |
| CN102802156B (en) | A kind of method for authenticating and relevant device | |
| CN107911249A (en) | Order line sending method, device and the equipment of a kind of network equipment | |
| CN108476391A (en) | Activating method, wireless router and the user terminal of ESIM cards | |
| US8644760B2 (en) | Arrangement for an NFC compatible mobile device for delayed transfer of an established friend connection and a related method | |
| CN105992306A (en) | Binding method of terminal and home gateway | |
| CN106204026A (en) | A kind of method and device of mobile payment | |
| CN102469081A (en) | Method, equipment and system for operating smart card | |
| CN107182098A (en) | For realizing the method and apparatus that user equipment switches between WAP | |
| CN104349320A (en) | Sharing method and electronic equipment | |
| CN106664296A (en) | Seamless peer to peer internet connectivity | |
| KR101455155B1 (en) | Method for Mobile Payment Card Priority Auto-Setting in Multi-SE and Mobile Device using the same | |
| CN101620758B (en) | Intelligent card supporting Web service | |
| CN107634989A (en) | A kind of cloud wallet construction method and server | |
| CN105873180B (en) | Method and apparatus for setting up wireless connection | |
| CN103186952A (en) | Method, device and system for payment management of intelligent parking lots | |
| CN105530714A (en) | MIFI communication service system and MIFI and communication method thereof | |
| CN105227532A (en) | A kind of blocking-up method of malicious act and device | |
| CN108944542B (en) | Method for performing charging station identification for electric vehicle charging | |
| CN107733767B (en) | Method, device and system for establishing social relationship network |
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 | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20161207 |