CN108171504B - Aggregated payment method, mobile device and storage device - Google Patents
Aggregated payment method, mobile device and storage device Download PDFInfo
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- CN108171504B CN108171504B CN201711154276.5A CN201711154276A CN108171504B CN 108171504 B CN108171504 B CN 108171504B CN 201711154276 A CN201711154276 A CN 201711154276A CN 108171504 B CN108171504 B CN 108171504B
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- 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
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- 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
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- 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
- G06Q20/409—Device specific authentication in transaction processing
Abstract
The invention discloses an aggregation payment method, mobile equipment and a storage device, wherein the method comprises the following steps: the mobile equipment utilizes a virtual card set by the mobile equipment to pass qualification verification of the fee deduction terminal in the communication process of the NFC device and the fee deduction terminal; and the mobile equipment processes the fee deduction request initiated by the fee deduction terminal through the payment account associated with the virtual card. By the mode, the application range and flexibility of NFC payment can be improved.
Description
Technical Field
The invention relates to the technical field of payment, in particular to an aggregated payment method, mobile equipment and a storage device.
Background
NFC payment is a mobile payment method in which a mobile device expresses a payment intention to a consumption terminal (also called a fee deduction terminal, such as a POS) of a merchant through Near Field Communication (NFC) technology, and exchanges account and password information with a built-in smart chip of the mobile device through the consumption terminal to complete payment. The payment mode has the advantages of strong system privacy, multiple support service types, simple and convenient operation, strong real-time online capability, high safety performance, simple system structure, low implementation technology difficulty and the like.
As mentioned above, existing NFC payment generally requires an NFC device and a smart chip to be installed in a mobile device, and the smart chip needs to process financial card data for payment. That is, the financial card matched with the NFC device needs to be prefabricated in the mobile phone, so that the mobile device can obtain the authentication of the consumption terminal when communicating with the consumption terminal through the NFC technology, thereby realizing the subsequent payment function of deducting the financial card. In a long-term research and development process, the inventor of the application finds that the payment mode has some defects, and a financial card matched with an NFC device in mobile equipment must be capable of deducting fees, wherein the financial card can be deducted fees, and the consumption terminal also supports the deduction of the financial card. But the actual situation is often not satisfactory, which greatly reduces the application range of NFC payment.
Disclosure of Invention
The technical problem mainly solved by the invention is to provide an aggregation payment method, a mobile device and a storage device, which can improve the application range and flexibility of NFC payment.
In order to solve the technical problems, the invention adopts a technical scheme that: there is provided a method of aggregated payment, the method comprising: the mobile equipment utilizes a virtual card set by the mobile equipment to pass qualification verification of the fee deduction terminal in the communication process of the NFC device and the fee deduction terminal; and the mobile equipment processes the fee deduction request initiated by the fee deduction terminal through the payment account associated with the virtual card.
In order to solve the technical problem, the invention adopts another technical scheme that: a mobile device is provided, which comprises a processor and an NFC device, the processor being coupled to the NFC device and executing instructions when in operation, the above aggregate payment method being enabled.
In order to solve the technical problem, the invention adopts another technical scheme that: there is provided an apparatus having a storage function, the apparatus storing a program which, when executed, implements the above-described aggregate payment method.
The invention has the beneficial effects that: different from the prior art, the invention provides an aggregate payment method, mobile equipment and a storage device, wherein the virtual card opened in the method can be only used for payment authentication verification, and can not have payment capability, and no value can be stored in the virtual card. The deduction request initiated by the deduction terminal is processed through the payment account associated with the virtual card, and the application range and flexibility can be realized because the payment account associated with the virtual card has more flexibility and compatibility than the financial card per se.
Drawings
FIG. 1 is a schematic flow chart diagram of one embodiment of an aggregated payment method of the present application;
FIG. 2 is a schematic flow chart diagram of an embodiment of an aggregated payment method of the present application;
FIG. 3 is a schematic flow chart diagram of an embodiment of an aggregated payment method of the present application;
FIG. 4 is a schematic block diagram of an embodiment of a mobile device according to the present application;
fig. 5 is a schematic structural diagram of an embodiment of the apparatus with a storage function according to the present application.
Detailed Description
In order to make the purpose, technical solution and effect of the present application clearer and clearer, the present application is further described in detail below with reference to the accompanying drawings and examples.
The application provides an aggregation payment method which can enable a mobile device with an NFC device to achieve an NFC payment function. In an NFC payment process, a virtual card disposed in a mobile device to work in conjunction with an NFC device may not have payment capabilities, but rather complete payment through/with a payment account associated with the virtual card. Referring to fig. 1, fig. 1 is a schematic flow chart of an embodiment of an aggregated payment method according to the present application, and in an embodiment, the aggregated payment method includes the following steps:
s101: and the mobile equipment passes the qualification verification of the fee deduction terminal by utilizing the virtual card set by the mobile equipment in the communication process of the NFC device and the fee deduction terminal.
At least one virtual card is opened in the mobile equipment with the NFC device for payment authentication. The virtual card may be a virtual card working in cooperation with an NFC device as in the prior art, for example, account information set in an SIM card, and the provisioning process may include:
1) the mobile equipment receives the number information, the user identity information, the type information and the like of the virtual card;
2) completing the card opening operation of the virtual card through the steps of registration, binding or activation;
3) after the card is opened successfully, the virtual card can be used as a label of the mobile device for payment authentication.
The virtual card can be any card capable of confirming payment identity, such as a bank card, a bus card, a student card, a social security card and the like.
When payment operation is performed between the NFC devices, the NFC device of the payer needs to obtain qualification verification of the NFC device of the debit party, wherein the qualification verification comprises the step of confirming whether the NFC device of the payer has an authorized financial account, and the NFC device of the payer can formally enter a payment process only after passing the qualification verification.
S102: and the mobile equipment processes the fee deduction request initiated by the fee deduction terminal through the payment account associated with the virtual card.
The method comprises the following steps of establishing an association relationship between a virtual card and a payment account in advance; the association relationship between the virtual card and the payment account is realized through binding authorization, and the mobile device receives the fee deduction request initiated by the fee deduction terminal after the qualification verification of the fee deduction terminal, so that the payment can be realized through the payment account associated with the virtual card, namely, the fee deduction request is processed to realize the payment.
In this way, the opened virtual card can be only used for payment authentication verification, and can not have payment capability, and the virtual card can not store balance. Therefore, the application range of the virtual card can be expanded, and only the card capable of being identified by NFC can be used for the application; the payment safety can be improved, the situation that the virtual card is stolen to be swiped is prevented, and the method is more convenient and flexible.
In one embodiment, a mobile device having an NFC device is opened with a virtual card associated with a payment account that also corresponds to one or more payment applications, such as a payment account that may be an account of a payment application or a financial account bound to a payment, through which a payment is made by a payment application. By the method, the payment modes can be expanded, and the user can flexibly select the payment modes instead of being limited to the financial card of the NFC device. The payment application may be a payment treasure, WeChat, QQ, etc.
Referring to fig. 2, fig. 2 is a schematic flowchart of an embodiment of an aggregated payment method according to the present application, in an embodiment, when a mobile device carrying a virtual card approaches a charging terminal, a communication connection between the mobile device and the charging terminal can be realized through an NFC function; after the communication connection is established, the mobile equipment sends the card information of the virtual card to the fee deduction terminal through the NFC device, so that the fee deduction terminal can carry out payment authentication verification on the virtual card.
The charging terminal judges whether the virtual card is an authorized card after receiving the card information of the virtual card; the authorization card is a card associated with a payment account and can be identified by a specific mark, for example, the authorization card may include an aggregate payment card mark, and when the deduction terminal identifies that the virtual card includes the aggregate payment card mark, the virtual card is identified as the authorization card. When the virtual card is judged to be the card with the aggregate payment card mark, the virtual card can be paid in an aggregate payment mode, and the fee deduction terminal sends a fee deduction request to a payment account associated with the virtual card. In another embodiment, after the virtual card is determined to be the authorized card, the fee deduction request may be directly sent to the virtual card, and if the virtual card is a bank card or a social security card with payment capability, the payment may be directly performed by using the virtual card.
At the beginning of a communication process between the mobile device and the fee deduction terminal, for example, when the mobile device is close to the fee deduction terminal, the mobile terminal senses the fee deduction terminal, namely, the payment application corresponding to the payment account is started, and a payment interface of the payment application is displayed for a user, so that the user does not need to manually open the application, the efficiency is improved, and the time is saved. Meanwhile, the payment application actively sends communication information to the background server of the payment account so as to pre-establish the connection between the payment application and the background server of the payment account, so that the waiting time for re-establishing the connection between the payment application and the background server of the payment account can be avoided, the efficiency is improved, and the time is saved.
After receiving the deduction request, the mobile device processes the deduction request through the payment account. In particular, the payment application prompts the user through its payment interface whether deduction/authorization verification information input is allowed. The user inputs the fee deduction permission/authorization verification information; the fee deduction/authorization allowing authentication information may be a password, a fingerprint, a voiceprint, a facial feature, or other information combined in various ways. The mobile device receives the authorization verification information of the fee deduction permission instruction and/or the payment account. If the payment account is the account of the payment application and the account has enough balance, sending the fee information of the fee deduction request and/or the authorization verification information of the payment account to a background server of the payment application through the payment application so that the background server processes the fee deduction request; if the payment account is the financial account bound by the payment application, sending the fee information of the fee deduction request and/or the authorization verification information of the payment account to a background server of the payment application through the payment application, and sending the fee information and/or the authorization verification information of the payment account to the background server of the payment account through the background server of the payment application so that the background server processes the fee deduction request. Meanwhile, the background server of the payment application can send the fee information of the fee deduction request and the payment account information to the background server of the fee deduction terminal.
And after the background server of the payment account successfully processes the fee deduction request and finishes fee deduction, the background server of the payment account sends the information of successful fee deduction to the background server of the fee deduction terminal, and the background server of the fee deduction terminal compares the information of successful fee deduction with the fee information and the payment account information from the background server of the payment application before to check the account. And if the account checking is not problematic, executing a billing service, synchronizing the transaction completion information to a background server of the payment account by a background server of the deduction terminal after the billing is successful, synchronizing the transaction completion information to the mobile equipment through the background server after the background server of the payment account receives the transaction completion information, and displaying the transaction completion information to the user by the mobile equipment.
In another embodiment, after determining that the virtual card is an authorized card, the fee deduction terminal may also send a fee deduction request to a background server of the payment account directly through the background server. Specifically, referring to fig. 3, fig. 3 is a schematic flowchart of an embodiment of the aggregated payment method, in which after a mobile device establishes a communication connection with a debit terminal, the mobile device sends card information of a virtual card and payment account information to the debit terminal together, so that the debit terminal directly sends a debit request and payment account information to a background server of a payment account through a background server of the debit terminal after determining that the virtual card is an authorized card; a payment application corresponding to a payment account receives a fee deduction request from a background server of the payment account, wherein the fee deduction request can comprise fee information; the payment application prompts the user based on the debit request whether debit/authorization verification information input is allowed. The specific process and subsequent processing are the same as those in the above embodiments, and please refer to the description of the above embodiments for details, which are not described herein again.
In an application scenario, the aggregated payment method is exemplified by supermarket shopping. In the application scenario, the mobile device is a mobile phone with an NFC function, the fee deduction terminal is a POS machine, and the application is a payment instrument, the method specifically includes the following steps:
opening a virtual card in the mobile phone, wherein the virtual card is a bus card; binding and authorization confirmation of the user payment account with the virtual card. When the supermarket pays, the mobile phone is close to the POS machine with the NFC function, and the POS machine recognizes that the card is an authorized card which accords with the deduction of the background account. The POS machine pushes the fee deduction information to the user mobile phone terminal through NFC, the payment bank is automatically started when the user mobile phone is close to the POS machine, the received fee deduction information is displayed on a payment interface of the payment bank, a user is prompted to confirm payment and input a payment password, and the password is verified to be passed; sending the fee deduction information and the password verification information to a background server of the payment account, wherein the background server processes and finishes fee deduction, sends the finish information to the background server of the POS machine, and controls the POS machine to print a payment service bill; meanwhile, the completion information is fed back to the mobile phone end through the background server, the mobile phone displays that the payment is successful, and the transaction is completed.
By the mode, the payment of the user is more convenient, the user can directly enter the payment interface of the mobile phone only by approaching the mobile phone to the POS machine, and the user does not need to open the payment application in advance; meanwhile, the virtual card opened in the mobile phone can be only used for payment authentication verification, value storage is not needed, the safety of money in the card is guaranteed, the application range of the binding card is expanded, and NFC payment is more convenient, flexible, safe and reliable.
Referring to fig. 4, fig. 4 is a schematic structural diagram of an embodiment of a mobile device according to the present application. The present embodiment provides a mobile device, which includes a processor 401 and an NFC device 402, where the processor 401 is coupled to the NFC device 402, and the processor 401 executes an instruction during operation to implement the method for implementing the aggregated payment in cooperation with the NFC device 402, and a specific working process is consistent with the above method embodiment, so that details are not repeated here, and please refer to the above description of corresponding method steps in detail. The mobile device can be a mobile phone, a tablet computer, a wearable device and the like.
Referring to fig. 5, fig. 5 is a schematic structural diagram of an embodiment of a memory device according to the present application. The present embodiment provides a device 50 having a storage function, wherein the storage device 50 stores a program 501, and the program 501 realizes the above aggregate payment method when executed. The specific working process is the same as the above method embodiment, and therefore, detailed description is not repeated here, and please refer to the description of the corresponding method steps above in detail. The storage device may be a portable storage medium such as a usb disk and an optical disk, or may be a terminal, a server, or the like.
The above description is only an embodiment of the present application, and not intended to limit the scope of the present application, and all modifications of equivalent structures and equivalent processes performed by the content of the present specification and the attached drawings, or applied to other related technical fields directly or indirectly, are included in the scope of the present invention.
Claims (9)
1. An aggregated payment method, the method comprising:
the method comprises the steps that in the communication process of an NFC device and a fee deduction terminal, a mobile device utilizes a virtual card which is arranged by the mobile device to pass qualification verification of the fee deduction terminal, wherein the virtual card comprises an aggregation payment card mark which is used for identifying that the virtual card is associated with a payment account, the payment account corresponds to a plurality of payment applications, and the payment applications process payment through the payment account; the virtual card is used only for payment identity authentication, and does not have payment capability, the authentication including confirming whether the mobile device has an authorized financial account;
the mobile equipment processes the fee deduction request initiated by the fee deduction terminal through a payment account associated with the virtual card;
and the mobile equipment starts a payment application corresponding to the payment account and displays an interface of the payment application to a user at the beginning of the communication process of the self NFC device and the deduction terminal, namely through the association relation between the virtual card and the payment account.
2. The method of claim 1, wherein the processing the deduction terminal initiated deduction request through the payment account is preceded by:
and the mobile equipment receives a fee deduction request from the fee deduction terminal through the NFC device.
3. The method of claim 2, wherein processing the deduction terminal initiated deduction request through a payment account comprises:
a payment application corresponding to the payment account of the mobile device prompts a user whether fee deduction/authorization verification information input is allowed or not based on the fee deduction request;
and under the condition that a deduction permission instruction and/or the authorization verification information of the payment account are received by the mobile equipment, sending the fee information of the deduction request and/or the authorization verification information of the payment account to a background server of the payment account through the payment application so that the background server processes the deduction request.
4. The method of claim 1, wherein the processing the deduction terminal initiated deduction request through the payment account is preceded by:
the mobile equipment sends the payment account information to the fee deduction terminal through the NFC device, so that the fee deduction terminal sends a fee deduction request and the payment account information to a background server of the payment account through a background server of the fee deduction terminal;
and the payment application corresponding to the payment account receives the fee deduction request from the background server of the payment account, wherein the fee deduction request comprises fee information.
5. The method of claim 4, wherein processing the deduction terminal initiated deduction request through a payment account comprises:
the payment application prompts a user whether to allow fee deduction/authorization verification information input based on the fee deduction request;
and under the condition that a deduction permission instruction and/or the authorization verification information of the payment account are received by the mobile equipment, the authorization verification information of the deduction permission instruction/the payment account is sent to a background server of the payment account through the payment application, so that the background server processes the deduction request.
6. The method according to any one of claims 1 to 5, wherein the qualification verification by the deduction terminal using the virtual card opened by the user comprises:
the mobile equipment sends the card information of the virtual card to the fee deduction terminal through the NFC device, so that the fee deduction terminal judges whether the virtual card is an authorized card or not through the card information, and judges whether to initiate a fee deduction request to the payment account or initiate the fee deduction request to the virtual card through whether the card information contains a polymerization payment card mark or not.
7. The method according to any one of claims 1 to 5, wherein the mobile device actively sends communication information to a background server of the payment account by using a payment application corresponding to the payment account at the beginning of a communication process between the own NFC device and the deduction terminal, namely through an association relationship between the virtual card and the payment account, so as to establish a connection with the background server of the payment account in advance.
8. A mobile device, comprising a processor and an NFC device, wherein the processor is coupled to the NFC device, and wherein the processor executes instructions when in operation to implement the method of any one of claims 1-7.
9. An apparatus having a storage function, characterized in that a program is stored which, when executed, implements the method of any one of claims 1-7.
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| CN201711154276.5A CN108171504B (en) | 2017-11-16 | 2017-11-16 | Aggregated payment method, mobile device and storage device |
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| CN201711154276.5A CN108171504B (en) | 2017-11-16 | 2017-11-16 | Aggregated payment method, mobile device and storage device |
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| CN108171504B true CN108171504B (en) | 2021-12-31 |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109034759B (en) * | 2018-06-21 | 2022-02-11 | 腾讯科技（深圳）有限公司 | Data transfer method and related equipment |
| CN110647363B (en) * | 2018-06-27 | 2020-12-25 | 北京三快在线科技有限公司 | Abnormity prompting method and device, storage medium and electronic equipment |
| CN110599152A (en) * | 2019-09-02 | 2019-12-20 | 中国建设银行股份有限公司 | Aggregated payment method and system |
| CN111126998A (en) * | 2019-12-24 | 2020-05-08 | 支付宝实验室(新加坡)有限公司 | Bar code payment-based implementation method and device and bar code payment-based system |
| TWI750596B (en) * | 2020-02-21 | 2021-12-21 | 國泰世華商業銀行股份有限公司 | Credit card management server for electronic payment |
| TWI832100B (en) * | 2020-02-21 | 2024-02-11 | 國泰世華商業銀行股份有限公司 | Credit card management server for electronic payment |
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