CN110458550A - Method of payment, device, terminal and storage medium - Google Patents
Method of payment, device, terminal and storage medium Download PDFInfo
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- CN110458550A CN110458550A CN201910775804.1A CN201910775804A CN110458550A CN 110458550 A CN110458550 A CN 110458550A CN 201910775804 A CN201910775804 A CN 201910775804A CN 110458550 A CN110458550 A CN 110458550A
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- Prior art keywords
- security module
- terminal
- payment
- sequence list
- initial selected
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Classifications
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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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3229—Use of the SIM of a M-device as secure element
-
- 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
Abstract
A kind of method of payment, device, terminal and storage medium are provided in the present invention, for terminal, the terminal includes multiple security modules, and wherein method includes: to obtain terminal use state, wherein, the terminal use state includes off-mode, breath screen dormant state and bright screen wake-up states；According to the corresponding default adjustment algorithm of the terminal use state, security module selecting sequence table is generated；If detecting, payment events are triggered, and the security module read in the security module selecting sequence table puts in order, and put in order according to the security module and each security module is successively called to execute delivery operation, until paying successfully.The present invention determines corresponding security module selecting sequence table in the terminal use state by default adjustment algorithm, realize terminal intelligent selection security module in different usage situations, cumbersome manual selection procedure is eliminated, the usage experience of user is optimized.
Description
Technical field
The present invention relates to wireless communication technology field, in particular to a kind of method of payment, device, terminal and storage medium.
Background technique
A kind of wireless communication technique of the near-field communication (Near Field Communication, NFC) as short distance permits
Perhaps contactless Point-to-Point Data Transmission is carried out between electronic equipment, realizes data exchange.When the NFC in terminal is in card mold
When formula, terminal can substitute various entity cards, for the scenes such as payment, subway of taking pubic transport, access control and attendance of doing shopping, and provide
The core of nfc card mode safety guarantee is security module (Secure Element, abbreviation SE).
SE is the independent computing module of physics, can defend various malicious attacks, energy on hardware and software view
Reach financial level applies safety requirements, there is following several forms at present:
1, based on SIM card (Subscriber Identity Module, client identification module, or for user identity know
Not Ka) SE:SE chip be present in SIM card integrated chip, dominated by mobile operator；
2, it on the SE:SE integrated chip to terminal based on terminal chip, is dominated by terminal manufacturer；
3, the SE:SE chip based on SD card (Secure Digital Memory Card, safe digital card) is present in SD
In card integrated chip, dominated by the industry user including public security, electric power；
4, network-based cloud SE: the software of simulation SE function is present on the server of distal end, and terminal needs to network
The function that SE can be used, other financial payment company (such as capital leading by bank's (such as China Merchants Bank one dodges logical) and Unionpay (Yun Shanfu)
East payment) also tend to this mode.
Present terminal system software in the implementation through frequently with the mode for specifying SE in similar again of first classifying, however more than
Common method has following defects that
Different scenes needs to select most suitable security module, in payment, can not intelligent selection go out suitable safety
Module is paid, and intelligence degree is low, can be had the situation that can not be paid, be reduced the success rate of payment.
Summary of the invention
The main object of the present invention is to provide a kind of method of payment, device, terminal and storage medium, to solve the prior art
In the low problem of intelligence degree existing when being paid based on more security modules.
The present invention provides a kind of methods of payment, are used for terminal, the terminal includes multiple security modules, including following step
It is rapid:
Obtain terminal use state, wherein the terminal use state includes off-mode, breath screen dormant state and bright
Shield wake-up states；
According to the corresponding default adjustment algorithm of the terminal use state, security module selecting sequence table is generated；
If detecting, payment events are triggered, and the security module arrangement read in the security module selecting sequence table is suitable
Sequence, and put in order according to the security module and each security module successively to be called to execute delivery operation, until payment at
Function.
Further, described according to the corresponding default adjustment algorithm of the terminal use state, generate security module selection
The step of sequence list, specifically includes:
According to the corresponding relationship of the terminal use state and security module initial selected sequence list, the corresponding end is determined
Hold the security module initial selected sequence list of use state；
According to default adjustment algorithm, the row of each security module in the security module initial selected sequence list is dynamically adjusted
Column sequence, generates corresponding security module selecting sequence table.
Further, before the step of acquisition terminal use state, further includes:
When terminal starts for the first time, each security module loaded in the terminal is detected, wherein the security module packet
Include hardware security module and software security module；
The sequence setting instruction that user is issued for different terminal use states is received, and is arranged according to the sequence
Instruction determines the corresponding security module initial selected sequence list of each terminal use state respectively；Wherein, the safety
Putting in order including each security module in module initial selected sequence list.
Further, when the terminal use state is breath screen dormant state, corresponding security module initial selected is suitable
Sequence table is hardware security module initial selected sequence list；
The basis presets adjustment algorithm, dynamically adjusts each security module in the security module initial selected sequence list
Selecting sequence, the step of generating corresponding security module selecting sequence table, specifically include:
Obtain the terminal current geographic position；
The payment attribute that each security module is supported in hardware security module initial selected sequence list is obtained respectively；
According to the payment attribute that the terminal current geographic position and the security module are supported, dynamically adjust described hard
Each security module puts in order in part security module initial selected sequence list, and it is suitable to generate corresponding security module selection
Sequence table.
Further, when the terminal use state is bright screen wake-up states, corresponding security module initial selected is suitable
Sequence table is software security module initial selected sequence list；
The basis presets adjustment algorithm, dynamically adjusts each security module in the security module initial selected sequence list
Selecting sequence, the step of generating corresponding security module selecting sequence table, specifically include:
Obtain the terminal current geographic position；
Obtain the current operating conditions of application program in the terminal；
Obtain the payment attribute that the security module is supported；
According to the terminal current geographic position, the current operating conditions of the application program and the security module branch
The payment attribute held, the arrangement for dynamically adjusting each security module in the software security module initial selected sequence list are suitable
Sequence generates corresponding security module selecting sequence table.
Further, it is described according to the terminal current geographic position, the application program current operating conditions and
The payment attribute that the security module is supported, dynamically adjusts each peace in the software security module initial selected sequence list
Full the step of putting in order, generate corresponding security module selecting sequence table of module, comprising:
If the application program of the terminal front stage operation is the safety in the software security module initial selected sequence list
Payment application corresponding to module then adjusts the corresponding security module of the payment application to the software
Most forefront in security module initial selected sequence list, obtains the first adjustment sequence list；
According to the payment attribute that the current geographic position and the security module are supported, dynamically adjusts described first and adjust
Each security module puts in order in whole sequence list, generates corresponding security module selecting sequence table.
Further, it is described according to the terminal current geographic position, the application program current operating conditions and
The payment attribute that the security module is supported, dynamically adjusts each peace in the software security module initial selected sequence list
Full the step of putting in order, generate corresponding security module selecting sequence table of module, comprising:
If including in the software security module initial selected sequence list in the currently running application program of terminal
Payment application corresponding to security module, then after the corresponding security module of the payment application being sorted, then
The corresponding security module is adjusted to the forefront in the software security module initial selected sequence list according to sequence, is obtained
Second adjustment sequence list；
According to the payment attribute that the current geographic position and the security module are supported, dynamically adjusts described second and adjust
Each security module puts in order in whole sequence list, generates corresponding security module selecting sequence table.
The present invention also provides a kind of payment mechanisms, are used for terminal, and the terminal includes multiple security modules, payment dress
It sets and includes:
First acquisition unit, for obtaining terminal use state, wherein the terminal use state include off-mode,
Breath screen dormant state and bright screen wake-up states；
First determination unit, for generating security module according to the corresponding default adjustment algorithm of the terminal use state
Selecting sequence table；
Payment unit, if being read in the security module selecting sequence table for detecting that payment events are triggered
Security module puts in order, and puts in order according to the security module and each security module is successively called to execute payment behaviour
Make, until paying successfully.
The present invention also provides a kind of storage mediums, are computer-readable storage medium, are stored thereon with computer journey
Sequence, the computer program, which is performed, realizes method of payment described in any of the above embodiments.
The present invention also provides a kind of terminals comprising processor, memory and is stored on the memory and can be in institute
The computer program run on processor is stated, the processor is realized described in any of the above embodiments when executing the computer program
Method of payment.
Method of payment, device, terminal and storage medium provided by the invention, have the advantages that
The present invention provides a kind of method of payment, device, terminal and storage mediums, are used for terminal, and the terminal includes more
A security module, method include: to obtain terminal use state, wherein the terminal use state includes off-mode, ceases to shield and stop
Dormancy state and bright screen wake-up states；According to the corresponding default adjustment algorithm of the terminal use state, security module choosing is generated
Select sequence list；If detecting, payment events are triggered, and read the security module arrangement in the security module selecting sequence table
Sequentially, and according to the security module it puts in order and each security module is successively called to execute delivery operation, until payment
Success.The present invention determines corresponding security module selecting sequence table in the terminal use state by default adjustment algorithm, real
The intelligent selection that the terminal uses the more security modules occurred when payment function in different usage situations is showed, has eliminated numerous
Trivial manual selection procedure optimizes the usage experience of user.
Detailed description of the invention
Fig. 1 is the flow diagram of method of payment in one embodiment of the invention；
Fig. 2 is the flow diagram of the step S2 in Fig. 1；
Fig. 3 is the flow diagram of the step S22 in Fig. 2；
Fig. 4 is another flow diagram of the step S22 in Fig. 2；
Fig. 5 is the structural block diagram of payment mechanism in one embodiment of the invention；
Fig. 6 is the structural block diagram of terminal in one embodiment of the invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
In the description of the present invention, it is to be understood that, term " center ", " longitudinal direction ", " transverse direction ", " length ", " width ",
" thickness ", "upper", "lower", "front", "rear", "left", "right", "vertical", "horizontal", "top", "bottom", "inner", "outside", " up time
The orientation or positional relationship of the instructions such as needle ", " counterclockwise " is to be based on the orientation or positional relationship shown in the drawings, and is merely for convenience of
The description present invention and simplified description, rather than the device or element of indication or suggestion meaning must have a particular orientation, with spy
Fixed orientation construction and operation, therefore be not considered as limiting the invention.In addition, term " first ", " second " are only used for
Purpose is described, relative importance is not understood to indicate or imply or implicitly indicates the quantity of indicated technical characteristic.
" first " is defined as a result, the feature of " second " can explicitly or implicitly include one or more feature.In
In description of the invention, the meaning of " plurality " is two or more, unless otherwise clearly specifically defined.
In the description of the present invention, it should be noted that unless otherwise clearly defined and limited, term " installation ", " phase
Even ", " connection " shall be understood in a broad sense, for example, it may be being fixedly connected, may be a detachable connection, or be integrally connected；It can
To be mechanical connection, it can be directly connected, the company inside two elements can also be can be indirectly connected through an intermediary
Logical or two elements interaction relationship.For the ordinary skill in the art, can understand as the case may be
The concrete meaning of above-mentioned term in the present invention.
In the present invention unless specifically defined or limited otherwise, fisrt feature second feature "upper" or "lower"
It may include that the first and second features directly contact, also may include that the first and second features are not direct contacts but pass through it
Between other characterisation contact.Moreover, fisrt feature includes the first spy above the second feature " above ", " above " and " above "
Sign is right above second feature and oblique upper, or is merely representative of first feature horizontal height higher than second feature.Fisrt feature exists
Second feature " under ", " lower section " and " following " include fisrt feature right above second feature and oblique upper, or be merely representative of
First feature horizontal height is less than second feature.
It referring to Fig.1, is method of payment flow chart in one embodiment of the invention.
A kind of method of payment is provided in the present invention, is used for terminal, the terminal includes multiple security modules, including with
Lower step:
Step S1 obtains terminal use state, wherein the terminal use state includes off-mode, breath screen suspend mode shape
State and bright screen wake-up states；
Step S2 generates security module selecting sequence table according to the corresponding default adjustment algorithm of the terminal use state；
Step S3, if detecting, payment events are triggered, and read the safe mould in the security module selecting sequence table
Block puts in order, and puts in order according to the security module and each security module is successively called to execute delivery operation, directly
To paying successfully.
In one embodiment, in order to realize terminal there are in the case where multiple hardware security modules and software security module,
Intelligent selection most suitable security module when cCredit card payment improves the successful probability of NFC cCredit card payment, exempts cumbersome manual choosing
The step of selecting security module, the present invention is from the use state of terminal, according to the terminal under different use states to not TongAn
The default adjustment algorithm for filling the security module of situation is configured.In this way, the terminal will be according to default in using terminal
Adjustment algorithm carries out adjustment using sequence to the more security modules installed in the terminal, so that terminal is safe from selection
For module to payment, whole process is intelligent, without being manually selected, improves the experience of user.Certainly, the terminal includes but unlimited
In mobile device.In step sl, need first to obtain the use state of terminal, in this way when terminal is paid, so that it may really
Surely path and the means of payment are paid.The payment path of the terminal of different use states and the means of payment are different, corresponding
Default adjustment algorithm is also different, the corresponding security module of payment module at this time it is protocol related also different.
Specifically, in one embodiment, if user is by terminal closedown, the available use state current to terminal
For off-mode, at this point, when user is paid using above-mentioned terminal, due to not being available software security mould under off-mode
Block can only use hardware security module；Therefore, what is recorded in security module selecting sequence table generated at this time is each hard
Part security module puts in order, such as the security module based on SIM card, security module based on terminal chip etc.；In a tool
In body embodiment, above-mentioned hardware security module includes the first security module and the second security module, wherein above-mentioned security module
In selecting sequence table, the first security module is arranged in front of the second security module；When payment events are triggered, then read above-mentioned
Security module in security module selecting sequence table puts in order, and above-mentioned first security module being arranged in front first is called to execute branch
Pay operation；If paying successfully, terminate；If payment failure, recalls posterior above-mentioned second security module of arrangement and execute branch
Pay operation.
In an embodiment of the present invention, before the step of acquisition terminal use state, the method for payment further include:
When terminal starts for the first time, each security module loaded in the terminal is detected, wherein the security module packet
Include hardware security module and software security module.
The sequence setting instruction that user is issued for different terminal use states is received, and is arranged according to the sequence
Instruction determines the corresponding security module initial selected sequence list of each terminal use state respectively；Wherein, the safety
Putting in order including each security module in module initial selected sequence list.
In one embodiment, the method for payment also needs to obtain the installation feelings of all security modules in the terminal
Condition.The acquisition of all security module installation situations is all from the peace of the security module when terminal device is switched on for the first time
Fill information, hereafter the installation situation of the security module typically without repeat obtain；Only when the safe mould in above-mentioned terminal
When block updates, just need to obtain updated security module information.The security module include hardware security module (such as
Security module based on SIM card, the security module based on terminal chip and security module based on SD card etc.) and software peace
Die-filling piece (such as network-based cloud security module).
After start-up, user can set gradually the corresponding institute of each terminal use state to terminal in above-mentioned terminal
Security module initial selected sequence list is stated, specifically, user can carry out touch operation in above-mentioned terminal, and starting is set accordingly
The page is set, the option of counterpart terminal use state is first selected, then successively selects the sequence of each security module under the option,
Generate security module initial selected sequence list.
Referring to fig. 2, in an embodiment of the present invention, described to be calculated according to the corresponding default adjustment of the terminal use state
Method generates the step S2 of security module selecting sequence table, specifically includes:
Step S21, according to the corresponding relationship of the terminal use state and security module initial selected sequence list, determining pair
Answer the security module initial selected sequence list of the terminal use state；
Step S22 dynamically adjusts each safety in the security module initial selected sequence list according to default adjustment algorithm
Module puts in order, and generates corresponding security module selecting sequence table.
In one embodiment, when the terminal use state is off-mode, corresponding security module initial selected is suitable
Sequence table is the first hardware security module initial selected sequence list；It is corresponding when the terminal use state is breath screen dormant state
Security module initial selected sequence list be the second hardware security module initial selected sequence list；Terminal use state is that bright screen is called out
When the state of waking up, corresponding security module initial selected sequence list is software security module initial selected sequence list.
In another embodiment, due to road that when the terminal is in different conditions, the payment module is paid
Diameter is different, therefore in order to further precisely determine putting in order for the security module in the security module selecting sequence table, not
With under terminal use state, needing to preset different adjustment algorithms for corresponding security module initial selected sequence list.Herein
It should be noted that the first hardware security module initial selected sequence list is the terminal corresponding choosing in the shutdown state
Sequence list is selected, the terminal backstage is in closing not operating status at this time；The second hardware security module initial selected sequence
Table is the terminal corresponding selecting sequence table when breath shields dormant state, and the terminal backstage is in operating status at this time.Institute
It is different that the first hardware security module initial selected sequence list, which is stated, from the second hardware security module initial selected sequence list
Sequence list, the content in the second hardware security module initial selected sequence list can include first hardware security module
Security module information in initial selected sequence list.It is transported when there are same the multiple of software security module of association in the terminal
Row example (such as wechat more open), each can independently operated example as individual individual to appear in the selection of software security module suitable
In sequence table.
It in another embodiment, can only include a hardware in the first hardware security module initial selected sequence list
Security module.In the presence of same type security module has multiple entity hardware security modules, specifying selection, one of them is specific
Security module, rather than the type of specified security module.
Referring to Fig. 3, in one embodiment, when the terminal use state is breath screen dormant state, corresponding peace
Full module initial selected sequence list is the second hardware security module initial selected sequence list；
The basis presets adjustment algorithm, dynamically adjusts each security module in the security module initial selected sequence list
Selecting sequence, generate the step S22 of corresponding security module selecting sequence table, specifically include:
Step S221 obtains the terminal current geographic position；
Step S222 obtains the branch that each security module is supported in hardware security module initial selected sequence list respectively
Pay attribute；Wherein the payment attribute includes that Card Type, card limit and payment are preferential；
Step S223, according to the payment attribute that the terminal current geographic position and the security module are supported, dynamic
Putting in order for each security module in the hardware security module initial selected sequence list is adjusted, corresponding safety is generated
Module selecting sequence table.
In one embodiment, when the terminal is in breath screen dormant state, by the terminal current geographic position and
Card Type, card limit and the payment factors such as preferential that hardware security module is supported as preset the priority of adjustment algorithm because
Element, certainly, the priority factors include being not limited to that four.In one embodiment, above-mentioned priority factors is preferential
Grade sequence are as follows: Card Type, card limit and the payment that terminal current geographic position, hardware security module are supported are preferential.It is i.e. preferential
Consider terminal current location, the hardware security module of counterpart terminal current location is arranged in front, considers further that other factors；Example
Such as, it is currently at China, then the corresponding hardware security module used in China of preferential selection is arranged in front, and other hardware securities
Module array is rear；If the corresponding hardware security module used in China has multiple, obtains each hardware security module and support
Card Type；Above-mentioned multiple correspondences are ranked up in the hardware security module that China uses according to Card Type；And so on, also
It can be sorted according to card limit, the preferential further progress of payment；In the hardware security mould used in China above-mentioned multiple correspondences
Block is ranked up and then obtains the Card Type of other hardware security modules, and is ranked up according to Card Type, and so on,
It repeats no more.
Referring to fig. 4, in an embodiment of the present invention, it is corresponding when the terminal use state is bright screen wake-up states
Security module initial selected sequence list is software security module initial selected sequence list；The basis presets adjustment algorithm, dynamic
The selecting sequence for adjusting each security module in the security module initial selected sequence list generates corresponding security module selection
The step S22 of sequence list, specifically includes:
Step S22a obtains the terminal current geographic position；
Step S22b obtains the current operating conditions of application program in the terminal；
Step S22c obtains the payment attribute that the security module is supported, wherein the payment attribute includes Card Type, card
Limit and payment are preferential；
Step S22d, according to the terminal current geographic position, the current operating conditions of the application program and described
The payment attribute that security module is supported, dynamically adjusts each safe mould in the software security module initial selected sequence list
Block puts in order, and generates corresponding security module selecting sequence table.
In one embodiment, when the terminal is in bright screen wake-up states, by the terminal current geographic position, most before
Card Type, card limit and the payment that app information, the security module of platform operation are supported are preferential as presetting adjustment algorithm
Priority factors, certainly, the priority factors include but is not limited to this.Its priority ranking is current geographic position
Set, the app information of most front stage operation, the security module support Card Type, card limit and payment it is preferential.
Specifically, being currently at China, then the corresponding security module used in China of preferential selection is arranged in front, and other
After security module is arranged in；If the corresponding security module used in China has multiple, the corresponding branch of above-mentioned security module is judged
Application program is paid whether in most front stage operation, if so, being corresponded to arrangement up front, rearranges other correspondences in China
The security module used；If it is not, then obtaining the Card Type that above-mentioned correspondence is supported in the security module that China uses；According to card class
Type is ranked up above-mentioned multiple correspondences in the security module that China uses；And so on, it can also be excellent according to card limit, payment
The sequence of favour further progress；Above-mentioned multiple correspondences are being ranked up in the security module that China uses and then are obtaining other
Operating status, Card Type of other security modules of the corresponding payment application of security module etc., and journey is applied according to payment
The operating status of sequence carries out the sequence of security module, and so on, it repeats no more.
Specifically, described according to the terminal current geographic position, the current operating conditions of the application program and institute
The payment attribute for stating security module support, dynamically adjusts each safety in the software security module initial selected sequence list
Module puts in order, and generates the step S22d of corresponding security module selecting sequence table, comprising:
If the application program of the terminal front stage operation is the safety in the software security module initial selected sequence list
Payment application corresponding to module then adjusts the corresponding security module of the payment application to the software
Most forefront in security module initial selected sequence list, obtains the first adjustment sequence list；According to the current geographic position and
The payment attribute that the security module is supported, dynamically adjusts the arrangement of each security module in the first adjustment sequence list
Sequentially, corresponding security module selecting sequence table is generated.
In the present embodiment, above-mentioned payment application refers to the application of all nfc card modes registered in systems
Program, the corresponding security module of the payment application can be set in advance in software security module initial selected sequence list.
When the application program of terminal current foreground operation is the corresponding branch of security module in the software security module initial selected sequence list
Pay application program when, then by its corresponding security module adjust into the software security module initial selected sequence list most before
Column preferentially carry out delivery operation by the corresponding security module of the application program of the front stage operation.
In another embodiment, described according to the terminal current geographic position, the current operation shape of the application program
The payment attribute that state and the security module are supported, dynamically adjusts each in the software security module initial selected sequence list
The security module puts in order, and generates the step S22d of corresponding security module selecting sequence table, comprising:
If including in the software security module initial selected sequence list in the currently running application program of terminal
Payment application corresponding to security module, then by the corresponding security module of the payment application according to default rule
It then sorts and then the forefront into the software security module initial selected sequence list is adjusted according to sequence, obtain the second tune
Whole sequence list；The above-mentioned currently running application program of terminal refers to all programs for operating in most foreground and backstage.
According to the payment attribute that the current geographic position and the security module are supported, dynamically adjusts described second and adjust
Each security module puts in order in whole sequence list, generates corresponding security module selecting sequence table.
In the present embodiment, the corresponding security module of above-mentioned payment application can be set in advance in software security module
In initial selected sequence list.When the currently running application program of terminal includes pacifying in the software security module initial selected sequence list
When the corresponding payment application of full module, then it will adjust after its corresponding security module sequence to the software security module
Forefront in initial selected sequence list, i.e., it is preferential by security module corresponding to the payment application that is currently running into
Row delivery operation.
It specifically, include in software security module initial selected sequence list in the currently running application program of the terminal
Payment application corresponding to three security modules, respectively program A, program B, program C, corresponding security module difference
For a, b, c；Then above-mentioned security module a, b, c are first ranked up according to preset rules；For example, in one embodiment, setting in advance
It is equipped with the sequence of all security modules are as follows: security module x, security module b, security module c, security module y, security module a；Then
Above-mentioned security module a, b, c's is ordered as b, c, a；Security module after sequence is adjusted to the software security module and is initially selected
The forefront in sequence list is selected, obtaining second adjustment sequence list is then, b, c, a, other security modules.In another embodiment,
It can be the front and back according to the corresponding program A of above-mentioned security module a, b, c, program B, the task manager of program C in the terminal
Sequence is ranked up；Such as above procedure A, program B, the task manager of program C in the terminal be program B most before, program C
Finally, then b, a, c can be ordered as to above-mentioned security module a, b, c；The above-mentioned second adjustment sequence list finally obtained is then, b,
A, c, other security modules, i.e., above-mentioned security module a, b, c are arranged in the front three of above-mentioned second adjustment sequence list.
It is obtaining above-mentioned second adjustment sequence list and then is being ranked up according to current geographic position, for example, being currently at
China then will preferentially correspond to before the security module that China uses is adjusted to most in above-mentioned security module a, b, c；If above-mentioned peace
Correspond to have in the security module that China uses Card Type progress that are multiple, then supporting respectively according still further to it in full module a, b, c
Sequence；If the corresponding Card Type of multiple security modules is identical, and then is ranked up according to card limit, limit is higher, safe mould
Block sequencing more before.If the corresponding card limit of multiple security modules is identical, and then is ranked up according to corresponding payment is preferential, prop up
Pay it is preferential bigger, security module sequence more before.To above-mentioned security module a, b, c sequence and then with identical sort method
Other security modules are ranked up, herein without repeating.
In other embodiments, security module corresponding to specified payment application is arranged in above-mentioned software security
In module initial selected sequence list, when the currently running application program of terminal has above-mentioned specified payment application, then will
Security module corresponding to above-mentioned specified payment application is adjusted into the software security module initial selected sequence list
Most forefront, i.e., it is preferential that delivery operation is carried out by security module corresponding to specified payment application.
In another embodiment, preferred payment of one of them specified payment application as payment when is preset to answer
With program, then in payment, no matter whether the specified payment application is being run, and all passes through above-mentioned specified payment application
Corresponding security module is paid；Either, even if the foreground of present terminal is currently running other payment applications,
Still paid by security module corresponding to above-mentioned specified payment application.
Referring to Fig. 5, a kind of payment mechanism is additionally provided in one embodiment of the invention, is used for terminal, the terminal includes more
A security module, the payment mechanism include:
First acquisition unit 10, for obtaining terminal use state, wherein the terminal use state includes shutdown shape
State, breath screen dormant state and bright screen wake-up states；
First generation unit 20, for generating safe mould according to the corresponding default adjustment algorithm of the terminal use state
Block selecting sequence table；
Payment unit 30 is then read in the security module selecting sequence table for detecting that payment events are triggered
Security module puts in order, and puts in order according to the security module and each security module is successively called to execute payment behaviour
Make, until paying successfully.
In an embodiment of the present invention, the payment mechanism, further includes:
Second acquisition unit when starting for the first time for terminal, obtains the loading condition of all security modules in the terminal；
Wherein, the loading condition of the security module includes loading hardware security module and software security module.
Setting unit, the sequence setting instruction issued for receiving user for different terminal use states, and root
The corresponding security module initial selected sequence list of each terminal use state is determined respectively according to sequence setting instruction；
Wherein, putting in order including each security module in the security module initial selected sequence list.
In an embodiment of the present invention, first generation unit includes:
First determines subelement, for corresponding with security module initial selected sequence list according to the terminal use state
Relationship determines the security module initial selected sequence list of the corresponding terminal use state；
Second generates subelement, for according to adjustment algorithm is preset, dynamically adjusting the security module initial selected sequence
Each security module puts in order in table, generates corresponding security module selecting sequence table.
Further, in an embodiment of the present invention, it is corresponding when the terminal use state is breath screen dormant state
Security module initial selected sequence list is hardware security module initial selected sequence list, and the second generation subelement includes:
First obtains module, for obtaining the terminal current geographic position；
Second obtains module, for obtaining each security module in hardware security module initial selected sequence list respectively
The payment attribute of support；
First generation module, for the payment category according to the terminal current geographic position and security module support
Property, putting in order for each security module in the hardware security module initial selected sequence list is dynamically adjusted, is generated pair
The security module selecting sequence table answered.
Further, in an embodiment of the present invention, it is corresponding when the terminal use state is bright screen wake-up states
Security module initial selected sequence list is software security module initial selected sequence list；Described second, which generates subelement, includes:
Third obtains module, for obtaining the terminal current geographic position；
4th obtains module, for obtaining the current operating conditions of application program in the terminal；
5th obtains module, the payment attribute supported for obtaining the security module；
Second generation module, for the current operating conditions according to the terminal current geographic position, the application program
And the payment attribute that the security module is supported, dynamically adjust each institute in the software security module initial selected sequence list
Putting in order for security module is stated, corresponding security module selecting sequence table is generated.
Specifically, in one embodiment, above-mentioned second generation module is specifically used for:
If the application program of the terminal front stage operation is the safety in the software security module initial selected sequence list
Payment application corresponding to module then adjusts the corresponding security module of the payment application to the software
Most forefront in security module initial selected sequence list, obtains the first adjustment sequence list；
According to the payment attribute that the current geographic position and the security module are supported, dynamically adjusts described first and adjust
Each security module puts in order in whole sequence list, generates corresponding security module selecting sequence table.
In another embodiment, above-mentioned second generation module is specifically used for:
If including in the software security module initial selected sequence list in the currently running application program of terminal
Payment application corresponding to security module, then after the corresponding security module of the payment application being sorted, then
The corresponding security module is adjusted to the forefront in the software security module initial selected sequence list according to sequence, is obtained
Second adjustment sequence list；
According to the payment attribute that the current geographic position and the security module are supported, dynamically adjusts described second and adjust
Each security module puts in order in whole sequence list, generates corresponding security module selecting sequence table.
The specific implementation of each unit module is referring to above method embodiment in payment mechanism in the present embodiment, herein
No longer repeated.
The present invention also provides a kind of storage mediums, are computer-readable storage medium, are stored thereon with computer journey
Sequence, the computer program, which is performed, realizes method of payment described in any of the above embodiments.
Referring to Fig. 6, the present invention also provides a kind of terminals comprising processor, memory and is stored on the memory
And the computer program that can be run on the processor, the processor realize such as above-mentioned when executing the computer program
Method of payment described in one.
The above description is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all utilizations
Equivalent structure or equivalent flow shift made by description of the invention and accompanying drawing content is applied directly or indirectly in other correlations
Technical field, be included within the scope of the present invention.
Claims (10)
1. a kind of method of payment, which is characterized in that be used for terminal, the terminal includes multiple security modules, the method for payment
The following steps are included:
Obtain terminal use state, wherein the terminal use state includes that off-mode, breath screen dormant state and bright screen are called out
The state of waking up；
According to the corresponding default adjustment algorithm of the terminal use state, security module selecting sequence table is generated；
If detecting, payment events are triggered, and the security module read in the security module selecting sequence table puts in order,
And put in order according to the security module and each security module is successively called to execute delivery operation, until paying successfully.
2. method of payment according to claim 1, which is characterized in that described corresponding pre- according to the terminal use state
If adjustment algorithm, generate security module selecting sequence table the step of, specifically include:
According to the corresponding relationship of the terminal use state and security module initial selected sequence list, determine that the corresponding terminal makes
With the security module initial selected sequence list of state；
According to default adjustment algorithm, the arrangement for dynamically adjusting each security module in the security module initial selected sequence list is suitable
Sequence generates corresponding security module selecting sequence table.
3. method of payment according to claim 2, which is characterized in that before the step of the acquisition terminal use state,
Further include:
When terminal starts for the first time, each security module loaded in the terminal is detected, wherein the security module includes hard
Part security module and software security module；
The sequence setting instruction that user is issued for different terminal use states is received, and is arranged according to the sequence and is instructed
The corresponding security module initial selected sequence list of each terminal use state is determined respectively；Wherein, the security module
Putting in order including each security module in initial selected sequence list.
4. method of payment according to claim 2, which is characterized in that the terminal use state is breath screen dormant state
When, corresponding security module initial selected sequence list is hardware security module initial selected sequence list；
The basis presets adjustment algorithm, dynamically adjusts the choosing of each security module in the security module initial selected sequence list
The step of selecting sequence, generating corresponding security module selecting sequence table, specifically includes:
Obtain the terminal current geographic position；
The payment attribute that each security module is supported in hardware security module initial selected sequence list is obtained respectively；
According to the payment attribute that the terminal current geographic position and the security module are supported, the hardware peace is dynamically adjusted
Each security module puts in order in full module initial selected sequence list, generates corresponding security module selecting sequence
Table.
5. method of payment according to claim 2, which is characterized in that the terminal use state is bright screen wake-up states
When, corresponding security module initial selected sequence list is software security module initial selected sequence list；
The basis presets adjustment algorithm, dynamically adjusts the choosing of each security module in the security module initial selected sequence list
The step of selecting sequence, generating corresponding security module selecting sequence table, specifically includes:
Obtain the terminal current geographic position；
Obtain the current operating conditions of application program in the terminal；
Obtain the payment attribute that the security module is supported；
It is supported according to the terminal current geographic position, the current operating conditions of the application program and the security module
Attribute is paid, putting in order for each security module in the software security module initial selected sequence list is dynamically adjusted,
Generate corresponding security module selecting sequence table.
6. method of payment according to claim 5, which is characterized in that described according to the terminal current geographic position, institute
The payment attribute that the current operating conditions and the security module for stating application program are supported, dynamically adjusts the software security mould
Each security module puts in order in block initial selected sequence list, generates the step of corresponding security module selecting sequence table
Suddenly, comprising:
If the application program of the terminal front stage operation is the security module in the software security module initial selected sequence list
Corresponding payment application then adjusts the corresponding security module of the payment application to the software security
Most forefront in module initial selected sequence list, obtains the first adjustment sequence list；
According to the payment attribute that the current geographic position and the security module are supported, it is suitable dynamically to adjust the first adjustment
Each security module puts in order in sequence table, generates corresponding security module selecting sequence table.
7. method of payment according to claim 5, which is characterized in that described according to the terminal current geographic position, institute
The payment attribute that the current operating conditions and the security module for stating application program are supported, dynamically adjusts the software security mould
Each security module puts in order in block initial selected sequence list, generates the step of corresponding security module selecting sequence table
Suddenly, comprising:
If in the currently running application program of terminal including the safety in the software security module initial selected sequence list
Payment application corresponding to module, then after the corresponding security module of the payment application being sorted, according still further to
The corresponding security module is adjusted to the forefront in the software security module initial selected sequence list by sequence, obtains second
Adjust sequence list；
According to the payment attribute that the current geographic position and the security module are supported, it is suitable dynamically to adjust the second adjustment
Each security module puts in order in sequence table, generates corresponding security module selecting sequence table.
8. a kind of payment mechanism, which is characterized in that be used for terminal, the terminal includes multiple security modules, the payment mechanism packet
It includes:
First acquisition unit, for obtaining terminal use state, wherein the terminal use state includes off-mode, breath screen
Dormant state and bright screen wake-up states；
First determination unit, for generating security module selection according to the corresponding default adjustment algorithm of the terminal use state
Sequence list；
Payment unit, if reading the safety in the security module selecting sequence table for detecting that payment events are triggered
Module array sequence, and put in order according to the security module and each security module is successively called to execute delivery operation,
Until paying successfully.
9. a kind of storage medium, which is characterized in that it is computer-readable storage medium, is stored thereon with computer program,
The computer program is performed realization such as the described in any item methods of payment of claim 1-7.
10. a kind of terminal, which is characterized in that it includes processor, memory and is stored on the memory and can be described
The computer program run on processor, the processor are realized when executing the computer program as claim 1-7 is any
Method of payment described in.
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| CN201910775804.1A CN110458550B (en) | 2019-08-21 | 2019-08-21 | Payment method, device, terminal and storage medium |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910775804.1A CN110458550B (en) | 2019-08-21 | 2019-08-21 | Payment method, device, terminal and storage medium |
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Cited By (1)
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| CN112508554A (en) * | 2021-01-29 | 2021-03-16 | 北京紫光青藤微系统有限公司 | Transaction processing method and device based on near field communication |
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| CN107784497A (en) * | 2017-11-22 | 2018-03-09 | 出门问问信息科技有限公司 | NFC payment and wearable device based on wearable device |
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| EP2725536A1 (en) * | 2012-10-26 | 2014-04-30 | Lee S. Weinblatt | Mobile device-based electronic payment systems and methods |
| CN106600272A (en) * | 2016-12-08 | 2017-04-26 | 努比亚技术有限公司 | Payment method payment device |
| CN107506992A (en) * | 2017-08-28 | 2017-12-22 | 珠海市魅族科技有限公司 | Method of payment and payment mechanism, computer installation and computer-readable recording medium |
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| CN110458550B (en) | 2023-10-20 |
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