CN108292393A - A kind of method of payment and equipment based on NFC near-field communications - Google Patents

A kind of method of payment and equipment based on NFC near-field communications Download PDF

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Publication number
CN108292393A
CN108292393A CN201780004043.9A CN201780004043A CN108292393A CN 108292393 A CN108292393 A CN 108292393A CN 201780004043 A CN201780004043 A CN 201780004043A CN 108292393 A CN108292393 A CN 108292393A
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nfc terminal
nfc
payment
account
terminal
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CN201780004043.9A
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CN108292393B (en
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陶强
高光远
赵磊
韩静
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Huawei Technologies Co Ltd
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Huawei Technologies Co Ltd
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Priority to CN202210710511.7A priority Critical patent/CN115271705A/en
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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
    • 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

Abstract

This application discloses a kind of method of payment and equipment based on NFC near-field communications.This method, including：First NFC terminal receives payment amount input by user and evidence for payment；First NFC terminal is when determining that evidence for payment is correct, by payment amount from the local account of the first NFC terminal, is transferred into the high in the clouds account of the first NFC terminal；First NFC terminal establishes the NFC communication link with the second NFC terminal when detecting that the second NFC terminal is located at preset range；First NFC terminal passes through the payment request that the transmission of NFC communication chain the second NFC terminal of road direction includes payment amount；Payment amount is transferred to from the high in the clouds account of the first NFC terminal into the high in the clouds account of the second NFC terminal by the first NFC terminal when determining that the second NFC terminal is transferred to the operation success of payment amount；Using the present processes and equipment, the payment difficulty of ordinary user can be reduced.

Description

A kind of method of payment and equipment based on NFC near-field communication
This application claims Patent Office of the People's Republic of China is submitted, application No. is a kind of 201610882687.5, priority of the Chinese patent application of entitled " method and apparatus based on NFC payment " on October 8th, 2016, entire contents are hereby incorporated by reference in the application.
Technical field
This application involves mobile payment technical field more particularly to a kind of methods of payment and equipment based on NFC near-field communication.
Background technique
NFC (Near Field Communication, near-field communication) is a kind of short-range communication, its working principle is that: it is based on non-contact radio-frequency identification technology, realizes the communication that electronic equipment is sowed discord in low coverage using magnetic field induction；Wherein, information exchange can be realized by mutually touching or close in two terminals with NFC function, i.e. NFC terminal.
Currently, NFC terminal, supports three kinds of operating modes, respectively card to simulate mode, ad hoc mode and card reader module；Wherein, in card reader mode, NFC terminal can be modeled as card reader use, can read relevant information from the electronic tag of poster and other items；And in ad hoc mode, the data informations such as video, file and image can be directly exchanged between two NFC terminals；And in card mold simulation models, NFC terminal can be modeled as integrated circuit card use, for mobile payment, the fields such as identification of swiping the card；For example, NFC terminal can be modeled as bank card in card mold simulation models, then, when user pays, bank card directly is replaced using NFC terminal, is paid on POS (Point Of Sale, point of sale) machine of beneficiary.
Therefore in the prior art, when NFC terminal is applied in mobile payment field, beneficiary must provide POS machine；And in the prior art, if beneficiary is ordinary user, not businessman, is difficult to provide POS machine；As it can be seen that method of payment in the prior art, when the payment being applied between ordinary user, payment difficulty is larger.
Summary of the invention
The embodiment of the present application provides a kind of method of payment and equipment based on NFC near-field communication, to reduce the payment difficulty of ordinary user.In a first aspect, providing a kind of method of payment based on NFC near-field communication, comprising: the first NFC terminal receives the payment amount and evidence for payment of user's input；First NFC terminal is when determining that the evidence for payment is correct, by the payment amount from the local account of first NFC terminal, is transferred into the cloud account of first NFC terminal；First NFC terminal establishes the NFC communication link with second NFC terminal when detecting that the second NFC terminal is located at preset range；First NFC terminal sends the payment request including the payment amount by the second NFC terminal described in the NFC communication chain road direction, so that second NFC terminal is transferred to from the cloud account of second NFC terminal into the local account of second NFC terminal according to the payment request, by the payment amount；The payment amount is transferred to from the cloud account of first NFC terminal into the cloud account of second NFC terminal by first NFC terminal when determining that second NFC terminal is transferred to the operation success of the payment amount.
With reference to first aspect, in the first possible implementation, first NFC terminal is when determining that second NFC terminal is transferred to the operation success of the payment amount, the payment amount is transferred to from the cloud account of first NFC terminal into the cloud account of second NFC terminal, include: first NFC terminal obtain second NFC terminal gathering as a result, the gathering result be second NFC terminal according to by the payment amount from the 2nd NFC Be transferred in the cloud account of terminal to the operation of the local account of second NFC terminal whether succeed it is generated；First NFC terminal is according to the gathering as a result, determining whether second NFC terminal succeeds the operation that the payment amount is transferred to from the cloud account of second NFC terminal to the local account of second NFC terminal；First NFC terminal is transferred to when the operation success of the local account of second NFC terminal determining second NFC terminal for the payment amount from the cloud account of second NFC terminal, and the payment amount is transferred to from the cloud account of first NFC terminal into the cloud account of second NFC terminal.
In the embodiment of the present application, it transfers accounts in the local account and cloud account of the first NFC terminal and the second NFC terminal, is then transferred accounts in the cloud account of the two again respectively first, the speed of transferring accounts in user terminal can be accelerated, improve the service experience of user.
The possible implementation of with reference to first aspect the first, in the second possible implementation, first NFC terminal obtains the gathering result of second NFC terminal, include: that first NFC terminal receives the payment response message that the second NFC terminal is sent, web page address associated with second NFC terminal gathering result is included at least in the payment response message；First NFC terminal obtains the gathering result according to the web page address.
The possible implementation of second with reference to first aspect, in the third possible implementation, first NFC terminal obtains the gathering result from the web page address, comprising: first NFC terminal establishes the WLAN between second NFC terminal；First NFC terminal accesses the web page address, obtains the gathering result by the WLAN.
Using it is above-mentioned establish WLAN by the way of, it is ensured that the webpage only has the first NFC terminal may have access to, to both improve the safety of transaction.
With reference to first aspect, the possible implementation of the first of first aspect, second of possible implementation or the third possible implementation, in the 4th kind of possible implementation, the method also includes: first NFC terminal is when determining that second NFC terminal is transferred to the operation failure of the payment amount, again by the payment amount from the cloud account of first NFC terminal, it is back in the local account of first NFC terminal.
Using aforesaid way, when the second NFC terminal is not transferred accounts successfully, the payment amount is returned again into the local account of the first NFC terminal, it is ensured that the arm's length dealing of the two.
Second aspect also provides a kind of method of payment based on NFC near-field communication, comprising: the first NFC terminal receives the payment amount and evidence for payment of user's input；First NFC terminal establishes the NFC communication link with second NFC terminal when determining that the evidence for payment is correct, and detecting that the second NFC terminal is located at preset range；First NFC terminal sends payment request by the second NFC terminal described in the NFC communication chain road direction；First NFC terminal receives the payment response message that second NFC terminal is sent by the NFC communication link, and the account information of the second NFC terminal user is included at least in the payment response message；The payment amount is transferred into the account of the second NFC terminal user by first NFC terminal.
Therefore first NFC terminal and the second NFC terminal transmitting account information directly transferred accounts between the two then according to the account information, so that the speed of transaction both can be improved.
In conjunction with second aspect, in the first possible implementation, the payment amount is transferred into the account of the second NFC terminal user by first NFC terminal, comprising: first NFC terminal opens the application program to match with the account of the second NFC terminal user；First NFC terminal passes through the application program to match, and the payment amount is transferred to the account of the second NFC terminal user.
Therefore can be transferred accounts between the two using existing application program, so that user be facilitated to apply.
The third aspect also provides a kind of first NFC near-field communication equipment, and the equipment includes processor and memory；It is described Processor, for reading the code in the memory, for executing: receiving the payment amount and evidence for payment of user's input, when determining that the evidence for payment is correct, by the payment amount from the local account of first NFC terminal, it is transferred into the cloud account of first NFC terminal, when detecting that the second NFC terminal is located at preset range, establish the NFC communication link with second NFC terminal, the payment request including the payment amount is sent by the second NFC terminal described in the NFC communication chain road direction, so that second NFC terminal is according to the payment request, by the payment amount from the cloud account of second NFC terminal, it is transferred into the local account of second NFC terminal and is determining that second NFC terminal is transferred to the payment When the operation success of the amount of money, the payment amount is transferred to from the cloud account of first NFC terminal into the cloud account of second NFC terminal.
In conjunction with the third aspect, in the first possible implementation, the processor determine second NFC terminal be transferred to the payment amount operation success, when the payment amount being transferred to from the cloud account of first NFC terminal to the cloud account of second NFC terminal, be specifically used for: obtaining the gathering of second NFC terminal as a result, the gathering result for second NFC terminal according to the payment amount is transferred to the operation of the local account of second NFC terminal from the cloud account of second NFC terminal whether succeed it is generated；According to the gathering as a result, determining whether second NFC terminal succeeds the operation that the payment amount is transferred to from the cloud account of second NFC terminal to the local account of second NFC terminal；The payment amount is transferred to when the operation success of the local account of second NFC terminal from the cloud account of second NFC terminal determining second NFC terminal, the payment amount is transferred to from the cloud account of first NFC terminal into the cloud account of second NFC terminal.
In conjunction with the first possible implementation of the third aspect, in the second possible implementation, the processor is when obtaining the gathering result of second NFC terminal, it is specifically used for: receives the payment response message that the second NFC terminal is sent, web page address associated with second NFC terminal gathering result is included at least in the payment response message；According to the web page address, the gathering result is obtained.
In conjunction with second of possible implementation of the third aspect, in the third possible implementation, the processor when obtaining the gathering result, is specifically used for from the web page address: establishing the WLAN between second NFC terminal；By the WLAN, the web page address is accessed, obtains the gathering result.
In conjunction with the first possible implementation of the third aspect, the third aspect and second of possible implementation, in the third possible implementation, the processor is also used to: when determining that second NFC terminal is transferred to the operation failure of the payment amount, again by the payment amount from the cloud account of first NFC terminal, it is back in the local account of first NFC terminal.
Fourth aspect, a kind of first NFC near-field communication equipment is provided, the equipment includes memory and processor: the processor, for reading the code in the memory, for executing: receiving the payment amount and evidence for payment of user's input, determining that the evidence for payment is correct, and when detecting that the second NFC terminal is located at preset range, establish the NFC communication link with second NFC terminal, payment request is sent by the second NFC terminal described in the NFC communication chain road direction, the payment response message that second NFC terminal is sent is received by the NFC communication link, including at least the account information of the second NFC terminal user and by the payment amount in the payment response message, it is transferred into the account of the second NFC terminal user.
In conjunction with fourth aspect, in the first possible implementation, the processor is specifically used for when by the payment amount, being transferred in the account to the second NFC terminal user: opening the application program to match with the account of the second NFC terminal user；By the application program to match, the payment amount is transferred to the account of the second NFC terminal user.
Therefore in the embodiment of the present application, when the distance of two NFC terminals is located at preset distance range Establish the NFC communication link between two NFC terminals；And pass through the NFC communication link, it can complete the operation transferred accounts between two NFC terminals, that is, two NFC terminals only need mutually to touch or close, can complete to transfer accounts between two NFC terminals, POS machine is provided without beneficiary, and then reduces the payment difficulty of ordinary user.
Detailed description of the invention
Fig. 1 is a schematic diagram of entire NFC payment system provided by the embodiments of the present application；
Fig. 2 is a flow diagram of the method for payment provided by the embodiments of the present application based on NFC；
Fig. 3 is a schematic diagram of the NFC payment page provided by the embodiments of the present application；
Fig. 4 is another schematic diagram of the NFC payment page provided by the embodiments of the present application；
Fig. 5 is a schematic diagram of NFC alarming page provided by the embodiments of the present application；
Fig. 6 is a schematic diagram of the prompt page provided by the embodiments of the present application；
Fig. 7 is the schematic diagram that NCF terminal provided by the embodiments of the present application is touched；
Fig. 8 is another flow diagram of the method for payment provided by the embodiments of the present application based on NFC；
Fig. 9 is the inside structure schematic diagram of NFC terminal provided by the embodiments of the present application；
Figure 10 is the another flow diagram of the method for payment provided by the embodiments of the present application based on NFC；
Figure 11 is a structural representation of the first NFC device provided by the embodiments of the present application；
Figure 12 is another structural representation of the first NFC device provided by the embodiments of the present application.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present application, the technical scheme in the embodiment of the application is clearly and completely described.
The application provides a kind of method of payment and equipment for being based on NFC (Near Field Communication, near-field communication), introduces the application scenarios of the application first:
NFC is a kind of short-range communication, its working principle is that: it is based on non-contact radio-frequency identification technology, realizes the communication that electronic equipment is sowed discord in low coverage using magnetic field induction；Wherein, information exchange can be realized by mutually touching or close in two terminals with NFC function, i.e. NFC terminal.
Currently, NFC terminal, supports three kinds of operating modes, respectively card to simulate mode, ad hoc mode and card reader module；Wherein, in card reader mode, NFC terminal can be modeled as card reader use, can read relevant information from the electronic tag of poster and other items；And in ad hoc mode, the data informations such as video, file and image can be directly exchanged between two NFC terminals；And in card mold simulation models, NFC terminal can be modeled as integrated circuit card use, for mobile payment, the fields such as identification of swiping the card；For example, NFC terminal can be modeled as bank card in card mold simulation models, then, when user pays, bank card directly is replaced using NFC terminal, is paid on POS (Point Of Sale, point of sale) machine of beneficiary.
Embodiment one
Based on above-mentioned application scenarios, the application provides a kind of method of payment and equipment based on NFC, using the present processes and equipment, when NFC terminal is applied to mobile payment field, two NFC terminals are only needed by touching or close, payment can be realized, POS machine is provided without beneficiary, to facilitate the payment of user.
In the embodiment of the present application, it is described for convenience, the terminal that paying party can be held, referred to as the first NFC terminal, the terminal that beneficiary is held, referred to as the second NFC terminal, and first NFC terminal and the 2nd NFC are whole End is internal to be mounted on NFC chip and built-in security chip, and the built-in security chip can be specially eSE chip；The NFC chip between the first NFC terminal and the second NFC terminal for establishing NFC communication link, account information of the built-in security chip for the storage user of high security；In the embodiment of the present application, for the purposes of being conveniently described, built-in security chip inside first NFC terminal can be known as the first built-in security chip, built-in security chip inside second NFC terminal is known as the second built-in security chip, NFC chip inside first NFC terminal is known as the first NFC chip, the NFC chip in the second NFC terminal is known as the second NFC chip.
In the embodiment of the present application, the general frame figure that the application is based on, as shown in Figure 1, specific as follows:
In the embodiment of the present application, by the general frame based on the application provided by Fig. 1, the method for payment provided herein based on NFC is discussed in detail, as shown in Fig. 2, this method is specific as follows:
Step S21: when the first user need to pay the bill to second user, the first user can specifically input payment amount and evidence for payment in the first NFC terminal；
In the embodiment of the present application, first user can be specially paying party user, and the second user can be specially beneficiary user.In the embodiment of the present application, first NFC terminal can provide a NFC payment application program, first user clicks the NFC payment application program, a NFC payment page can be showed in first NFC terminal, as shown in Figure 3, it may particularly include two input frames of payment amount and payment cipher in the NFC payment page, the first user inputs corresponding payment amount in payment amount input frame, corresponding payment cipher is inputted in payment cipher input frame；In the embodiment of the present application, the above-mentioned NFC payment page, can also be specific as shown in figure 4, specifically including a payment amount input frame and a fingerprint paid icon；In the embodiment of the present application, the first user inputs corresponding payment amount in payment amount input frame, presses the fingerprint paid icon with preset payment finger, details are not described herein.
The S22: the first NFC terminal of step receives the payment amount and evidence for payment of the first user input, and judges whether the evidence for payment of the first user input is correct；If mistake, step S23 is executed；If correct, step S24 is executed；
It can also be the payment fingerprint of user by above-mentioned discussion it is found that the evidence for payment can be specially the payment cipher of user；In the embodiment of the present application, when the evidence for payment is payment cipher, first NFC terminal can specifically judge whether the payment cipher of the first user input and payment cipher of the user set by registration phase are consistent, and when the two is consistent, the evidence for payment that first NFC terminal can determine that the first user is inputted is correct, otherwise, it determines the evidence for payment mistake that the first user is inputted；And when the evidence for payment is payment fingerprint, the first terminal can specifically judge whether the payment fingerprint of the first user input matches with payment fingerprint of the user set by registration phase, and when the two match, the evidence for payment that first NFC terminal can determine that the first user is inputted is correct, otherwise, it determines the evidence for payment mistake that the first user is inputted.
An alarming page is shown in the S23: the first NFC terminal of step, and with the evidence for payment mistake for prompting user to input, the alarming page can specifically as shown in Figure 5；
The payment amount from the first local account of first NFC terminal, is transferred into the first cloud account of first NFC terminal by the S24: the first NFC terminal of step；
In the embodiment of the present application, a local account and cloud account can be distributed to the second built-in security chip inside the second NFC terminal and also distribute a local account and cloud account specifically in advance to the first built-in security chip inside the first NFC terminal；Equally, it is described for convenience, local account corresponding to first NFC terminal and cloud account are referred to as the first local account and the first cloud account, local account corresponding to the second NFC terminal and cloud account are referred to as the second local account and the second cloud account.
In the embodiment of the present application, first local account and the second local account can be associated with the bank card of the bank card of the first NFC terminal user and the second NFC terminal user respectively, are respectively that the first local account and the second local account are supplemented with money using corresponding bank card.And cloud server can be specifically to the first cloud account and the certain void of the second cloud account setup The quasi- amount of money, the virtual amount of money can not be used for actual customer consumption for transferring accounts between local account and cloud account or cloud account and cloud account；The virtual amount of money is mainly used for quickly deducting the corresponding amount of money in the local account of the first NFC terminal, and the corresponding amount of money is quickly filled in the local account of the second NFC terminal, to improve the service experience of user；It should be noted that the numerical value of the first cloud account and the virtual amount of money in the second cloud account can just change only during the transferring accounts of two NFC terminals, transfer accounts completion or when not transferred accounts in the two, the numerical value of virtual amount of money remains unchanged.
In the embodiment of the present application, assuming that the payment amount that the first user inputs in the first NFC terminal is 50 yuan, and the virtual amount of money in the first cloud account corresponding to the first NFC terminal is 200 yuan, so, when the evidence for payment that the first NFC terminal determines that the first user inputs is correct, 50 yuan can be deducted in the first local account corresponding to the first NFC terminal, and 50 yuan are added in the first cloud account, at this point, the virtual amount of money in the first cloud account becomes 250 yuan.
It should be noted that in the embodiment of the present application, the prompt information of amount deducted will be shown in the first NFC terminal, and correspondingly, display to be also transferred to the prompt information of the amount of money in the second NFC terminal.
Step the S25: the first NFC terminal display reminding page, the tips page mask body are close by the first NFC terminal and the second NFC terminal for prompting the first user；
In the embodiment of the present application, the prompt page generated can specifically as shown in Figure 6.
The S26: the first user of step takes the first NFC terminal to touch with the second NFC terminal or close；
In the embodiment of the present application, the schematic diagram that the first NFC terminal is touched with the second NFC terminal, for details, reference can be made to shown in Fig. 7.
The S27: the first NFC terminal of step establishes the NFC communication link with second NFC terminal when detecting that the second NFC terminal is located at preset range；
In the embodiment of the present application, point-to-point (Point to Point, the P2P) agreement that can be specifically based on NFC establishes NFC communication link.And the preset range can be specially the effective range 0-20cm of NFC communication.
The S28: the first NFC terminal of step sends the payment request including the payment amount by the second NFC terminal described in the NFC communication chain road direction；
The S29: the second NFC terminal of step, will be according to the payment request when receiving the payment request, the operation transferred accounts between the second local account in the second cloud account of the second NFC terminal；
Under normal circumstances, the second NFC terminal is when receiving the payment request, by the payment amount from the second cloud account of second NFC terminal, is transferred into the second local account of second NFC terminal；In the embodiment of the present application, still continue to use the example above, assuming that the payment amount is 50 yuan, virtual amount of money in second cloud account corresponding to second NFC terminal is also 200 yuan, then, when the second NFC terminal receives the payment request, 50 yuan will be deducted from the 2nd cloud NFC account of the second NFC terminal, 50 yuan are added in the second local account of the second NFC terminal, then at this point, the virtual amount of money in the cloud account of the second NFC terminal is 150 yuan.
But in abnormal cases, such as due to situations such as Network Abnormal, to appear in the second NFC terminal transfer accounts between the second cloud account and the second local account failure the case where generation, i.e., corresponding payment amount is not transferred in the second local account from the second cloud account.
Whether the S210: the second NFC terminal of step succeeds according to the operation for being transferred to the payment amount to the second local account of second NFC terminal from the second cloud account of second NFC terminal, a gathering is generated as a result, and generating the associated webpage of the gathering result；
In the embodiment of the present application, under normal circumstances, when the payment amount is transferred to success to the operation of second local account by the second NFC terminal from the second cloud account of second NFC terminal, the gathering result of generation is specially It transfers accounts success；And in abnormal cases, the payment amount is transferred to the operation of second local account from the second cloud account of second NFC terminal and will fail by the second NFC terminal, and the gathering result of generation can be specially that transfer accounts unsuccessfully；
In the embodiment of the present application, the mode for generating the gathering associated webpage of result has following two: one kind is that the second NFC terminal directly generates an associated webpage according to the gathering result, and the gathering of the second NFC terminal is stored in the webpage as a result, the gathering result can be specially that the second NFC terminal transfers accounts successfully or transfers accounts unsuccessfully；Another kind is the Page template that storage gathering result is pre-generated in the second NFC terminal；And gathering result is uploaded to corresponding Page template whenever generating a gathering result by the second NFC terminal.
The S211: the second NFC terminal of step sends payment response message to the first NFC terminal, includes at least and web page address associated by the gathering result in the payment response message.
The S212: the first NFC terminal of step, according to the web page address, obtains the gathering result when receiving the payment response message；
In the embodiment of the present application, when the web page address be cloud server corresponding to address when, first NFC terminal can specifically open Wifi or cellular network, from the web page address, obtain the gathering result.
In the embodiment of the present application, when the web page address be the second NFC terminal corresponding to address when, then, the first NFC terminal can establish the WLAN between second NFC terminal, then
First NFC terminal and the second NFC terminal pass through the WLAN, set up client/server (Client/Server, C/S service mode), and the first NFC terminal will be as the client in the C/S model, second NFC terminal will be as the server in the C/S model, and the first NFC terminal will obtain gathering result corresponding to the web page address by existing HTTP mode in second NFC terminal；Using in such a way that the first NFC terminal and the second NFC terminal establish local area network, it is ensured that the gathering by the first NFC terminal as a result, can only be got, to ensure that information security.
The S213: the first NFC terminal of step is according to the gathering as a result, judging that second NFC terminal is transferred to the operation of the payment amount and whether succeeds；If it is successful, executing step S214；Otherwise, step S215 is executed；
In the embodiment of the present application, if the gathering result is success of transferring accounts, first NFC terminal can determine that second NFC terminal is transferred to the operation success of payment amount, and if the gathering result is to transfer accounts unsuccessfully, the first NFC terminal can determine that second NFC terminal is transferred to the operation failure of payment amount.
The payment amount is transferred to from the first cloud account of first NFC terminal into the second cloud account of second NFC terminal by the S214: the first NFC terminal of step.
In the embodiment of the present application, still continue to use the example above, when the first NFC terminal determines that the second NFC terminal is transferred to the operation success of the amount of money, 50 yuan will be deducted in the first cloud account of the first NFC terminal, 50 yuan are added in the second cloud account of the second NFC terminal, it can be seen that the virtual amount of money in the first cloud account of the first NFC terminal and the second cloud account of the second NFC terminal can revert to original 200 yuan by above-mentioned processing；
The S215: the first NFC terminal of step is back in the first local account of first NFC terminal again by the payment amount from the first cloud account of first NFC terminal.
In the embodiment of the present application, the example above is still continued to use, at this point, 50 yuan will be deducted from the first cloud account of the first NFC terminal again, is added in the first local account of the first NFC terminal.
Therefore in the embodiment of the present application, when the distance of two NFC terminals is located at preset distance range, the NFC communication link between two NFC terminals can be established；And pass through the NFC communication link, it can complete the operation transferred accounts between two NFC terminals, that is, two NFC terminals only need mutually to touch or close, can complete to transfer accounts between two NFC terminals, POS machine is provided without beneficiary, and then reduces the payment difficulty of ordinary user.
Embodiment two
Based on above-mentioned application scenarios, the application also provides a kind of method of payment based on NFC near-field communication, equally use the present processes and equipment, when NFC terminal is applied to mobile payment field, two NFC terminals are only needed by touching or close, payment can be realized, POS machine is provided without beneficiary, to facilitate the payment of user.
In the embodiment of the present application, it is described for convenience, the terminal that paying party can be held, referred to as the first NFC terminal, the terminal that beneficiary is held, referred to as the second NFC terminal, and NFC chip is mounted on inside first NFC terminal and the second NFC terminal, as shown in figure 8, method provided herein is specific as follows:
The S81: the first NFC terminal of step receives the payment amount and evidence for payment of user's input；
, can be referring specifically to the discussion of above-described embodiment one about payment amount and evidence for payment, details are not described herein.
The S82: the first NFC terminal of step judges whether the evidence for payment is correct；If mistake, step S83 is executed: otherwise, executing step S84；
An alarming page is shown in the S83: the first NFC terminal of step, and with the evidence for payment mistake for prompting user to input, the alarming page still be can refer to shown in Fig. 5, and details are not described herein.
Step the S84: the first NFC terminal display reminding page, the tips page mask body are close by the first NFC terminal and the second NFC terminal for prompting the first user；
In the embodiment of the present application, it still can refer to shown in Fig. 6 about the prompt page, details are not described herein.‘
The S85: the first NFC terminal of step establishes the NFC communication link with second NFC terminal when detecting that the second NFC terminal is located at preset range；
In the embodiment of the present application, point-to-point (Point to Point, the P2P) agreement that can be specifically based on NFC establishes NFC communication link.And the preset range can be specially the effective range 0-20cm of NFC communication.
The S86: the first NFC terminal of step sends payment request by the second NFC terminal described in the NFC communication chain road direction；
The S87: the second NFC terminal of step obtains the account information of the second NFC terminal user when receiving the payment request, and generates payment response message according to the account information, sends the payment response message to the first NFC terminal；Wherein, the account information of second NFC terminal is included at least in the payment response message.
The payment amount is transferred into the account of the second NFC terminal user by the S88: the first NFC terminal of step.
Specifically, first NFC terminal can first turn on the application program to match with the account of the second NFC terminal user, then by the application program to match, the payment amount is transferred to the account of the second NFC terminal user.In the embodiment of the present application, if account provided by the second NFC terminal is wechat account, so in the embodiment of the present application, first NFC terminal can be first turned on the wechat application program in the first NFC terminal or in the backstage of the wechat, then it transfers accounts to wechat account corresponding to the second NFC terminal, or, the wechat account to the second NFC terminal such as gives bonus at the operation；And if account provided by the second NFC terminal is Alipay account, so the first NFC terminal can be first turned on the Alipay application program in the first NFC terminal or in the backstage of the Alipay, then be transferred accounts to Alipay account corresponding to the second NFC terminal.Certainly, in the embodiment of the present application, account provided by the second NFC terminal can also directly use bank card account, then, the first NFC terminal is directly transferred accounts to the bank card account.
In the embodiment of the present application, close to each other by two NFC terminals or touch using existing some application programs, it can be realized and transfer accounts between two NFC terminals.
Embodiment three
In the embodiment of the present application, technical solution disclosed in the embodiment of the present application one will be discussed in detail for establishing NFC communication link using P2P communication protocol.
In the embodiment of the present application, the system structure inside the first NFC terminal and the second NFC terminal will be introduced first, as shown in figure 9, specific as follows:
System structure inside first NFC terminal and the second NFC terminal may particularly include three layers, respectively application layer, Framework layers of system framework and chip layer；Wherein, application layer may particularly include payment application, and Framework layers may particularly include NFC API, NFC service and JNI, chip layer may particularly include NFC chip, eSE built-in security chip, SIM card safety chip and protocol stack.
In the embodiment of the present application, " solid line " process establishes NFC communication link between representing two NFC terminals, and the process of information is transmitted by the NFC communication link, and " dotted line " process represents the process that two NFC terminals supplement with money or withhold.
The application and existing NFC payment the difference is that, in existing NFC payment, NFC chip is modeled as bank card, in user's payment, user needs the brush NFC terminal in POS machine, and POS machine will read the relevant information of card after sensing the radiofrequency signal of NFC terminal from NFC chip, transfer procedure later is completed in POS machine side.And NFC payment provided herein, it shakes hands verification by the completion of NFC P2P agreement, after establishing NFC communication link, transfer procedure later, in the first NFC terminal and the completion of the second NFC terminal side.
And the process about NFC payment provided herein, it is as shown in Figure 10, specific as follows:
The S100: the first NFC terminal of step receives the payment amount and evidence for payment of user's input；Wherein, the evidence for payment can be specially payment cipher, can also be specially payment payment；
The S101: the first NFC terminal of step is touched when determining that the evidence for payment is correct with the second NFC terminal, establishes NFC communication link by P2P communication protocol；
, can be referring specifically to the introduction of above-described embodiment one about the whether correct mode of the evidence for payment is judged, details are not described herein.
The S102: the first NFC terminal of step sends HandoverSendData by P2P agreement (handover sends data)；The HandoverSendData data can be consisted of three parts specifically, respectively payment amount, in the first NFC terminal built-in security chip first identifier and six random numbers.In the embodiment of the present application, for the convenience of description, the mark of built-in security chip in the first NFC terminal specifically can be known as first identifier, the mark of built-in security chip in the second NFC terminal is known as second identifier；
The S103: the second NFC terminal of step receives HandoverSendData data, parses to HandoverSendData data, obtains payment amount, first identifier and six random numbers, generates transaction code；
In the embodiment of the present application, the transaction code=first identifier+random number of second identifier+six, the second identifier are the mark of built-in security chip in the second NFC terminal.
Transaction code is uploaded to cloud server by the S104: the second NFC terminal of step；
The S105: the second NFC terminal of step sends HandoverReceiveData (handover receives data) to the first NFC terminal, and network address corresponding to the address for the storage gathering result that the HandoverReceiveData is specifically pre-allocated by transaction code and the second NFC terminal forms；
The S106: the second NFC terminal of step carries out transfer operation between the second cloud account of the second NFC terminal and the second local account according to the payment amount；
In the embodiment of the present application, corresponding payment amount specifically can be deducted in the second cloud account of the second NFC terminal, corresponding payment amount is added between the second local account；
Whether the S107: the second NFC terminal of step succeeds according to the transfer operation, generate gathering as a result,
And it is generated in corresponding webpage according to the gathering result and transaction code；
, can be referring specifically to the process introduction for generating webpage in step S210 in embodiment one on how to generate corresponding webpage, details are not described herein.
The S108: the first NFC terminal of step receives HandoverReceiveData data, parses to HandoverReceiveData data, obtains network address corresponding to the address of transaction code and storage gathering result；
The S109: the first NFC terminal of step uploads transaction code into cloud server；
In the embodiment of the present application, it is the transaction record in order to generate the first NFC terminal and the second NFC terminal in server beyond the clouds respectively that the first NFC terminal and the second NFC terminal, which upload the purpose of transaction code to cloud server,.
The S110: the first NFC terminal of step opens Wifi, establishes interim local area network with the second NFC terminal；
The S111: the first NFC terminal of step is transferred accounts between the first local account and the first cloud account of the first NFC terminal according to the payment amount；
In the embodiment of the present application, corresponding payment amount can be added in the account of first cloud specifically, deduct corresponding payment amount in the first local account of the first NFC terminal；
The S112: the first NFC terminal of step obtains the gathering result and transaction code using the local area network temporarily established from the network address；
The S113: the first NFC terminal of step determines whether the transfer operation of the second NFC terminal succeeds according to acquired gathering result and transaction code；And if it is successful, otherwise execution step S114 executes step S115；
In the embodiment of the present application, it if the gathering result indicates the success of transferring accounts of second terminal, and is all satisfied from transaction code the two conditions identical as the transaction code that second terminal is held that the network address is downloaded, it may be determined that the transfer operation success of the second NFC terminal.
In practical applications, according to this condition of the gathering result, that is, it can determine whether the transfer operation of the second NFC terminal succeeds；Downloaded transaction code this condition identical as the transaction code that second terminal is held is added, primarily to preventing illegal user from intercepting and capturing the network address, the operation transferred accounts is executed in the first NFC terminal side.
The respective pay amount of money is transferred in the second cloud account by the S114: the first NFC terminal of step from the first cloud account；
The S115: the first NFC terminal of step returns again to the payment amount from the first cloud account into the first local account.
Using method of payment disclosed in the embodiment of the present application, because that need to be touched face to face in two NFC terminals of needs, it is therefore desirable to the high advantage of safety of payment coefficient, meanwhile, POS machine is not necessarily in payment process, it is only necessary to two NFC terminals, it is user-friendly.
Example IV
Identical as above-mentioned design, as shown in figure 11, a kind of first NFC near-field communication equipment 110 is also disclosed in the application, and the equipment includes processor 111 and memory 112；
Processor 111, for reading the code in memory 112, in the method for executing the first NFC terminal side in Fig. 2: receiving the payment amount and evidence for payment of user's input, when determining that the evidence for payment is correct, by the payment amount from the local account of first NFC terminal, it is transferred into the cloud account of first NFC terminal, when detecting that the second NFC terminal is located at preset range, establish the NFC communication link with second NFC terminal, the payment request including the payment amount is sent by the second NFC terminal described in the NFC communication chain road direction, so that second NFC terminal is according to the payment request, by the payment amount from the cloud account of second NFC terminal, be transferred into the local account of second NFC terminal and Determining that second NFC terminal is transferred to the operation of the payment amount When success, the payment amount is transferred to from the cloud account of first NFC terminal into the cloud account of second NFC terminal.
Specifically, processor 111 determine second NFC terminal be transferred to the payment amount operation success, when the payment amount being transferred to from the cloud account of first NFC terminal to the cloud account of second NFC terminal, be specifically used for: obtaining the gathering of second NFC terminal as a result, the gathering result for second NFC terminal according to the payment amount is transferred to the operation of the local account of second NFC terminal from the cloud account of second NFC terminal whether succeed it is generated；
According to the gathering as a result, determining whether second NFC terminal succeeds the operation that the payment amount is transferred to from the cloud account of second NFC terminal to the local account of second NFC terminal；The payment amount is transferred to when the operation success of the local account of second NFC terminal from the cloud account of second NFC terminal determining second NFC terminal, the payment amount is transferred to from the cloud account of first NFC terminal into the cloud account of second NFC terminal.
Specifically, processor 111 is specifically used for when obtaining the gathering result of second NFC terminal:
The payment response message of the second NFC terminal transmission is received, is included at least in the payment response message and stores web page address corresponding to the second NFC terminal gathering result；According to the web page address, the gathering result is obtained.
Specifically, the web page address is the storage address inside second NFC terminal；Processor 111 when downloading the gathering result, is specifically used for from the web page address: establishing the WLAN between second NFC terminal；By the WLAN, storage address corresponding to web page address described in second NFC terminal is accessed, downloads the gathering result from the storage address.
Specifically, processor 111 is also used to: when determining that second NFC terminal is transferred to the operation failure of the payment amount, then by the payment amount from the cloud account of first NFC terminal, being back in the local account of first NFC terminal.
Identical as above-mentioned design, as shown in figure 12, the application also provides a kind of first NFC near-field communication equipment 120, and the equipment includes memory 121 and processor 122:
Processor 122, for reading the code in the memory, in the method for executing the first NFC terminal side in Fig. 8: receiving the payment amount and evidence for payment of user's input, determining that the evidence for payment is correct, and when detecting that the second NFC terminal is located at preset range, establish the NFC communication link with second NFC terminal, payment request is sent by the second NFC terminal described in the NFC communication chain road direction, the payment response message that second NFC terminal is sent is received by the NFC communication link, including at least the account information of the second NFC terminal user and by the payment amount in the payment response message, it is transferred into the account of the second NFC terminal user.
Specifically, processor 122 is specifically used for when by the payment amount, being transferred in the account to the second NFC terminal user: opening the application program to match with the account of the second NFC terminal user；By the application program to match, the payment amount is transferred to the account of the second NFC terminal user.
Therefore in the embodiment of the present application, when the distance of two NFC terminals is located at preset distance range, the NFC communication link between two NFC terminals can be established；And pass through the NFC communication link, it can complete the operation transferred accounts between two NFC terminals, that is, two NFC terminals only need mutually to touch or close, can complete to transfer accounts between two NFC terminals, POS machine is provided without beneficiary, and then reduces the payment difficulty of ordinary user.
It should be understood by those skilled in the art that, embodiments herein can provide as method, system or computer program product.Therefore, the form of complete hardware embodiment, complete software embodiment or embodiment combining software and hardware aspects can be used in the application.Moreover, it wherein includes the computer of computer usable program code that the application, which can be used in one or more, The form for the computer program product implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.).
The application is that reference is described according to the flowchart and/or the block diagram of the method for the embodiment of the present application, equipment (system) and computer program product.It should be understood that the combination of process and/or box in each flow and/or block and flowchart and/or the block diagram that can be realized by computer program instructions in flowchart and/or the block diagram.These computer program instructions be can provide to the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to generate a machine, so that generating by the instruction that computer or the processor of other programmable data processing devices execute for realizing the equipment for the function of specifying in one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, to be able to guide in computer or other programmable data processing devices computer-readable memory operate in a specific manner, so that instruction stored in the computer readable memory generates the manufacture including commander equipment, which realizes the function of specifying in one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that series of operation steps are executed on a computer or other programmable device to generate computer implemented processing, thus the step of instruction executed on a computer or other programmable device is provided for realizing the function of specifying in one or more flows of the flowchart and/or one or more blocks of the block diagram.
Obviously, those skilled in the art can carry out various modification and variations without departing from the spirit and scope of the embodiment of the present application to the embodiment of the present application.If then the application is also intended to include these modifications and variations in this way, these modifications and variations of the embodiment of the present application belong within the scope of the claim of this application and its equivalent technologies.

Claims (14)

  1. A kind of method of payment based on NFC near-field communication characterized by comprising
    First NFC terminal receives the payment amount and evidence for payment of user's input；
    First NFC terminal is when determining that the evidence for payment is correct, by the payment amount from the local account of first NFC terminal, is transferred into the cloud account of first NFC terminal；
    First NFC terminal establishes the NFC communication link with second NFC terminal when detecting that the second NFC terminal is located at preset range；
    First NFC terminal sends the payment request including the payment amount by the second NFC terminal described in the NFC communication chain road direction, so that second NFC terminal is transferred to from the cloud account of second NFC terminal into the local account of second NFC terminal according to the payment request, by the payment amount；
    The payment amount is transferred to from the cloud account of first NFC terminal into the cloud account of second NFC terminal by first NFC terminal when determining that second NFC terminal is transferred to the operation success of the payment amount.
  2. According to the method for claim 1, it is characterized in that, first NFC terminal is when determining that second NFC terminal is transferred to the operation success of the payment amount, the payment amount is transferred to from the cloud account of first NFC terminal into the cloud account of second NFC terminal, comprising:
    First NFC terminal obtain second NFC terminal gathering as a result, the gathering result for second NFC terminal according to the payment amount is transferred to from the cloud account of second NFC terminal to the operation of the local account of second NFC terminal whether succeed it is generated；
    First NFC terminal is according to the gathering as a result, determining whether second NFC terminal succeeds the operation that the payment amount is transferred to from the cloud account of second NFC terminal to the local account of second NFC terminal；
    First NFC terminal is transferred to when the operation success of the local account of second NFC terminal determining second NFC terminal for the payment amount from the cloud account of second NFC terminal, and the payment amount is transferred to from the cloud account of first NFC terminal into the cloud account of second NFC terminal.
  3. According to the method described in claim 2, it is characterized in that, first NFC terminal obtains the gathering result of second NFC terminal, comprising:
    First NFC terminal receives the payment response message that the second NFC terminal is sent, and web page address associated with second NFC terminal gathering result is included at least in the payment response message；
    First NFC terminal obtains the gathering result according to the web page address.
  4. According to the method described in claim 3, it is characterized in that, first NFC terminal from the web page address, obtains the gathering result, comprising:
    First NFC terminal establishes the WLAN between second NFC terminal；
    First NFC terminal accesses the web page address, obtains the gathering result by the WLAN.
  5. Method according to any one of claims 1 to 4, which is characterized in that further include:
    First NFC terminal is back in the local account of first NFC terminal when determining that second NFC terminal is transferred to the operation failure of the payment amount, then by the payment amount from the cloud account of first NFC terminal.
  6. A kind of method of payment based on NFC near-field communication characterized by comprising
    First NFC terminal receives the payment amount and evidence for payment of user's input；
    First NFC terminal is determining that the evidence for payment is correct, and detects that the second NFC terminal is located at preset range When, establish the NFC communication link with second NFC terminal；
    First NFC terminal sends payment request by the second NFC terminal described in the NFC communication chain road direction；
    First NFC terminal receives the payment response message that second NFC terminal is sent by the NFC communication link, and the account information of the second NFC terminal user is included at least in the payment response message；
    The payment amount is transferred into the account of the second NFC terminal user by first NFC terminal.
  7. According to the method described in claim 6, it is characterized in that, first NFC terminal by the payment amount, is transferred into the account of the second NFC terminal user, comprising:
    First NFC terminal opens the application program to match with the account of the second NFC terminal user；
    First NFC terminal passes through the application program to match, and the payment amount is transferred to the account of the second NFC terminal user.
  8. A kind of first NFC near-field communication equipment, which is characterized in that the equipment includes processor and memory；
    The processor, for reading the code in the memory, for executing: receiving the payment amount and evidence for payment of user's input, when determining that the evidence for payment is correct, by the payment amount from the local account of first NFC terminal, it is transferred into the cloud account of first NFC terminal, when detecting that the second NFC terminal is located at preset range, establish the NFC communication link with second NFC terminal, the payment request including the payment amount is sent by the second NFC terminal described in the NFC communication chain road direction, so that second NFC terminal is according to the payment request, by the payment amount from the cloud account of second NFC terminal, it is transferred into the local account of second NFC terminal and is determining that it is described that second NFC terminal is transferred to When the operation success of payment amount, the payment amount is transferred to from the cloud account of first NFC terminal into the cloud account of second NFC terminal.
  9. Equipment according to claim 8, it is characterized in that, the processor determine second NFC terminal be transferred to the payment amount operation success, when the payment amount being transferred to from the cloud account of first NFC terminal to the cloud account of second NFC terminal, it is specifically used for:
    Obtain second NFC terminal gathering as a result, the gathering result for second NFC terminal according to the payment amount is transferred to from the cloud account of second NFC terminal to the operation of the local account of second NFC terminal whether succeed it is generated；
    According to the gathering as a result, determining whether second NFC terminal succeeds the operation that the payment amount is transferred to from the cloud account of second NFC terminal to the local account of second NFC terminal；
    The payment amount is transferred to when the operation success of the local account of second NFC terminal from the cloud account of second NFC terminal determining second NFC terminal, the payment amount is transferred to from the cloud account of first NFC terminal into the cloud account of second NFC terminal.
  10. Equipment according to claim 9, which is characterized in that the processor is specifically used for when obtaining the gathering result of second NFC terminal:
    The payment response message of the second NFC terminal transmission is received, web page address associated with second NFC terminal gathering result is included at least in the payment response message；
    According to the web page address, the gathering result is obtained.
  11. Equipment according to claim 10, which is characterized in that the processor when obtaining the gathering result, is specifically used for from the web page address:
    Establish the WLAN between second NFC terminal；
    By the WLAN, the web page address is accessed, obtains the gathering result.
  12. Equipment according to any one of claims 8 to 11, which is characterized in that the processor is also used to:
    When determining that second NFC terminal is transferred to the operation failure of the payment amount, then by the payment amount from the cloud account of first NFC terminal, it is back in the local account of first NFC terminal.
  13. A kind of first NFC near-field communication equipment, which is characterized in that the equipment includes memory and processor:
    The processor, for reading the code in the memory, for executing: receiving the payment amount and evidence for payment of user's input, determining that the evidence for payment is correct, and when detecting that the second NFC terminal is located at preset range, establish the NFC communication link with second NFC terminal, payment request is sent by the second NFC terminal described in the NFC communication chain road direction, the payment response message that second NFC terminal is sent is received by the NFC communication link, including at least the account information of the second NFC terminal user and by the payment amount in the payment response message, it is transferred into the account of the second NFC terminal user.
  14. Equipment according to claim 13, which is characterized in that the processor is specifically used for when by the payment amount, being transferred in the account to the second NFC terminal user:
    Open the application program to match with the account of the second NFC terminal user；
    By the application program to match, the payment amount is transferred to the account of the second NFC terminal user.
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