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CN104424696A - Wearable mobile payment equipment and payment method - Google Patents

Wearable mobile payment equipment and payment method Download PDF

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Publication number
CN104424696A
CN104424696A CN 201310393184 CN201310393184A CN104424696A CN 104424696 A CN104424696 A CN 104424696A CN 201310393184 CN201310393184 CN 201310393184 CN 201310393184 A CN201310393184 A CN 201310393184A CN 104424696 A CN104424696 A CN 104424696A
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payment
equipment
bank
mobile
wearable
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CN 201310393184
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Chinese (zh)
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陈业军
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陈业军
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Abstract

The invention discloses wearable mobile payment equipment and a payment method. The wearable mobile payment equipment is portable intelligent equipment with a wireless communication function, and an NFC (near field communication) chip used for realizing an NFC function and an antenna are arranged inside the wearable mobile payment equipment. The payment method includes submitting a payment request which is sent out by the NFC antenna; acquiring transaction information like bank card number, wherein the transaction information is fed back and provided by a terminal, containing information necessary for bank transaction, like an outside noncontact IC (integrated circuit) card or intelligent equipment integrating the NFC function; utilizing a wireless communication network to send the transaction information to a bank data center; executing operations like enabling a bank account to make payment according to the transaction information and feeding a processing result back to the wearable mobile payment equipment by the bank data center; performing reading-writing operation of the bank processing result on the noncontact IC card or the intelligent equipment integrating the NFC function through the NFC antenna to complete payment process. The wearable mobile payment equipment is safe in payment and easy to carry.

Description

一种可穿戴的移动支付设备及支付方法 A wearable mobile payment device and the payment method

技术领域 FIELD

[0001] 本发明涉及移动支付技术领域,更具体地说,涉及一种可穿戴的移动支付设备及支付方法。 [0001] The present invention relates to a technical field of mobile payment, and more particularly, to a mobile payment device and the payment method of the wearable.

背景技术 Background technique

[0002] 可穿戴设备技术是指能直接穿在身上、或是整合进用户的衣服(配件)的科学技术。 [0002] The wearable device technology is directly worn on the body, or integrated into the user's clothing (accessories) science and technology. 利用该技术,可以把多媒体、传感器和无线通信等嵌入人们的衣着中,并可支持手势和眼动操作等多种交互方式。 With this technique, it is possible to embed multimedia people's clothes, sensors and wireless communication, and can support a variety of eye movement and interaction gesture operation.

[0003] NFC由Sony,NXP (源自Philips半导体)和Nokia于2004年提出,其使得电子设备之间可以进行短程的通信。 [0003] NFC by a Sony, NXP (from Philips Semiconductors) and presented in Nokia 2004, which makes it possible to short-range communication between electronic devices. NFC技术的出现,极大地促进了射频识别(Rad1 FrequencyIdentificat1n, RFID)技术与移动通讯技术相互融合的进展,引出许多新的应用模式。 NFC technology appear greatly facilitated (Rad1 FrequencyIdentificat1n, RFID) technology and mobile communication technology progress merging radio frequency identification, lead many new application.

[0004] 搭载NFC技术的可穿戴式设备能提供更好的便携性和更广泛的服务,因此,可穿戴式设备可能会取代智能手机,成为移动支付的未来。 [0004] wearable device equipped with NFC technology can provide better portability and a wider range of services, therefore, wearable device may replace smart phones, the future of mobile payment. 用手腕佩戴的可穿戴式设备天生是一种安全的设备,为了向主流大众普及这种设备,它需要使用一种新的技术去扩展其功能,并能够像iPhone —样改变人们的消费行为。 Wearable wrist device worn by an inherently safe equipment, in order to popularize this device to the mainstream public, it needs to use a new technology to expand its capabilities, and the ability to be like iPhone - like changes in people's consumption behavior. NFC就是最好的选择,它的技术已经成熟,它不仅可以使你的腕戴设备实现移动支付功能,它也可以成为你的公交卡、工卡、车库钥匙、家门钥匙等。 NFC is the best choice, and its technology has matured, it can not only make your wrist-worn device for mobile payment function, it can also be your bus card, the cards, the garage keys, house keys and so on. 最终,这种智能腕戴设备慢慢成为主流大众所喜欢并离不开的设备。 Ultimately, this intelligent wrist-worn device gradually become the mainstream of the public is inseparable from love and equipment.

发明内容 SUMMARY

[0005] 有鉴于此,本发明实施例提供一种可穿戴的移动支付设备及支付方法,易于携带,支付安全便捷,有利于移动支付技术的普及。 [0005] In view of this, embodiments of the present invention provides a mobile payment device and the payment method for a wearable, easy to carry, safe and convenient payment, facilitate universal mobile payment technology.

[0006] 为此,本发明实施例采用如下技术方案:本发明提供一种可穿戴的移动支付设备,所述设备为具有基带芯片和无线通信模块的智能设备,包括设备本体,所述本体内还设置有近场通信NFC芯片及NFC天线,其中: [0006] To this end, embodiments of the present invention uses the following technical solutions: The present invention provides a wearable mobile payment device, the device is a smart device having a baseband chip and a wireless communication module, the apparatus comprising a body, said body there is also provided a near field communication NFC chip and an NFC antenna, wherein:

[0007] 所述NFC芯片与所述基带芯片连接,用于驱动所述NFC天线发射或接收信号; [0007] The NFC chip of the received signal to the baseband chip is connected, for driving the transmitting antenna or NFC;

[0008] 所述NFC天线与所述NFC芯片连接,用于与外部的NFC设备交互信息。 [0008] The NFC chip of the NFC antenna is connected, the external NFC device for exchanging information.

[0009] 优选地,上述设备中,所述本体上设置有输入输出设备,与所述基带芯片连接,用于输入支付请求和显示支付信息。 [0009] Preferably, the apparatus is provided with input and output devices, and the baseband chip are connected to input payment request and payment information on the display body.

[0010] 优选地,上述设备中,所述输入输出设备为触摸显示屏。 [0010] Preferably, the above apparatus, the input output device is a touch screen.

[0011] 优选地,上述设备中,所述无线通信模块支持的无线网络类型包括WIFI网络、GPRS网路、3G网络及LTE网络。 [0011] Preferably, the above-described apparatus, the wireless communication module comprises a type of wireless network support WIFI network, GPRS network, 3G network and the LTE network.

[0012] 优选地,上述设备中,所述本体的外部轮廓为可穿戴在手腕上的腕表形状。 [0012] Preferably, the above-described apparatus, the outer contour of the body is in the shape of a wearable wrist watch.

[0013] 优选地,上述设备中,所述本体的外壳为绝缘材料构成。 [0013] Preferably, the device, the housing body is configured as an insulating material.

[0014] 本发明还提供一种支付方法,所述支付方法包括以下步骤: [0014] The present invention also provides a method of payment, the payment method comprises the steps of:

[0015] A、提交支付请求; [0015] A, submit a payment request;

[0016] B、获取银行交易所需信息,所述信息由非接触IC卡或集成NFC功能的智能设备反馈提供; [0016] B, access to bank transactions required information, the feedback information provided by a smart card or a non-contact IC apparatus integrated NFC function;

[0017] C、通过无线通信网络将所述信息传输至银行数据中心; [0017] C, through a wireless communication network to transmit information to the central data bank;

[0018] D、银行数据中心根据所述信息对银行帐号进行帐户操作,并将处理结果反馈给设备; [0018] D, bank account data center operation in accordance with the bank account information, and the processing result back to the device;

[0019] E、对非接触IC卡或集成NFC功能的智能设备进行银行处理结果的写操作。 [0019] E, of the noncontact IC card smart devices or integrated NFC function writes the processing result of the bank.

[0020] 优选地,上述支付方法中,所述无线通信网络包括WIFI网络、GPRS网路、3G网络及LTE网络。 [0020] Preferably, the method of payment, the wireless communication network comprises a WIFI network, GPRS network, 3G network and the LTE network.

[0021] 本发明实施例提供的一种可穿戴的移动支付设备及支付方法,通过将NFC芯片和NFC天线集成到可穿戴或便携性较高的智能设备中,利用已经广泛应用的NFC通信技术与非接触式的银行IC卡或其他集成NFC功能的智能设备进行信息交互,读取交易所需的银行信息,再通过设备本身具有的无线通信功能与银行数据中心进行安全的数据通信,银行数据中心根据交易信息进行相关的扣费等操作,由于采用可穿戴式的结构,可以直接穿戴在身上,比如套在手腕上,使用起来安全又便捷,这无疑大大提高了用户的使用体验,从而推动了移动支付技术的普及推广。 [0021] NFC communication technique mobile payment device and the payment method for a wearable embodiment of the present invention is provided by the NFC chip and an NFC antenna is integrated into the intelligent portable or wearable device higher, the use has been widely data communication with the smart device non-contact type IC cards or other bank NFC function integrated information exchange, reads banking information required for the transaction, then the safety device with the bank via the data center itself has a wireless communication function, data bank center based on transaction information related deductions and other operations, the use of wearable structure, can be directly worn on the body, such as around your wrist, safe and convenient to use, which undoubtedly greatly improve the user experience, so as to promote the popularization of mobile payment technology.

附图说明 BRIEF DESCRIPTION

[0022] 为了更清楚地说明本发明实施例或现有技术中的技术方案,下面将对实施例或现有技术描述中所需要使用的附图作简单的介绍,显而易见地,下面描述中的附图仅仅是本发明的一些实施例,对于本领域普通技术人员来讲,在不付出创造性劳动性的前提下,还可以根据这些附图获得其他的附图。 [0022] In order to more clearly illustrate the technical solutions in the embodiments or the prior art embodiment of the present invention, a brief Apparently, the drawings in the following description or embodiments as described in the prior art needed to be used in describing the embodiments the drawings are only some embodiments of the present invention, those of ordinary skill in the art is concerned, without any creative effort, and can obtain other drawings based on these drawings.

[0023]图1为本发明实施例提供的一种可穿戴的移动支付设备的系统构成框图; [0023] The system configuration of FIG. 1 provides a block diagram of an embodiment of a mobile wearable embodiment of the present invention, the payment device;

[0024] 图2为本发明实施例提供的一种可穿戴的移动支付设备的外观形状图; [0024] FIG. 2 provides an external shape view of the mobile wearable an embodiment of the present invention, the payment device;

[0025] 图3为本发明实施例提供的一种支付方法的流程图。 [0025] FIG. 3 is a flowchart of a payment method according to an embodiment of the present invention.

具体实施方式 detailed description

[0026] 本发明实施例提供一种可穿戴的移动支付设备及支付方法,易于携带,支付安全便捷。 And it provides the mobile device a payment method to pay a wearable embodiment [0026] of the present invention, easy to carry, safe and convenient payment.

[0027] 为了引用和清楚起见,本文中使用的技术名词、简写或缩写总结如下: [0027] For reference and clarity, technical terms used herein, abbreviations or acronyms are summarized as follows:

[0028] NFC, Near Field Communicat1n,即近场通信 [0028] NFC, Near Field Communicat1n, i.e., the near field communication

[0029] WIFI, Wireless Fidelity,即无线保真; [0029] WIFI, Wireless Fidelity, or Wireless Fidelity;

[0030] GPRS, General Packet Rad1 Service,即通用分组无线服务; [0030] GPRS, General Packet Rad1 Service, i.e. general packet radio service;

[0031] 3G, 3rd_generat1n,即第三代移动通信技术; [0031] 3G, 3rd_generat1n, i.e. the third generation mobile communication technology;

[0032] LTE, Long Term Evolut1n,即长期演进。 [0032] LTE, Long Term Evolut1n, Long Term Evolution.

[0033] 下面将结合本发明实施例中的附图,对本发明实施例中的技术方案进行清楚、完整地描述,显然,所描述的实施例仅仅是本发明一部分实施例,而不是全部的实施例。 [0033] below in conjunction with the present invention in the accompanying drawings, technical solutions of embodiments of the present invention are clearly and completely described, obviously, the described embodiments are merely part of embodiments of the present invention, but not all embodiments example. 基于本发明中的实施例,本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例,都属于本发明保护的范围。 Based on the embodiments of the present invention, those of ordinary skill in the art to make all other embodiments without creative work obtained by, it falls within the scope of the present invention.

[0034] 请参考图1,其为本发明实施例提供的可穿戴的移动支付设备的系统构成示意图。 [0034] Please refer to FIG. 1, the system of the present embodiment provides a mobile payment device of a wearable embodiment of the invention is constituted FIG.

[0035] 本发明实施例公开的一种可穿戴的移动支付设备,所述设备为具有基带芯片和无线通信模块的普通智能设备,所述基带芯片作为手机等常见电子通信设备内的核心模块,通常由CPU处理器、信道编码器、数字信号处理器、调制解调器和接口模块等部分构成,负责信号和协议处理工作。 [0035] The mobile payment device of a wearable embodiment of the disclosed embodiment of the present invention, the device is a smart device having a normal baseband chip and a wireless communication module, the baseband chip core module as in mobile phones and other common electronic communication device, usually consists of part of the CPU processor, channel encoder, a digital signal processor and modem interface module, and the protocol is responsible for signal processing. 在本发明实施例中由于需要与银行数据中心之间实现数据互通,因而设备需具备无线通信功能,即可以通过常见的无线网络方式(包括WIF1、GPRS、3G、LTE等)与银行数据网络之间实现一种安全便捷的连接,这样设备内当然需要有支持无线通信功能的硬件模块了,也就是上面提及的无线通信模块。 In the embodiment of the present invention due to the need for data exchange between the data center and the bank, so the device need to have a wireless communication function, i.e., by a common wireless network (including WIF1, GPRS, 3G, LTE, etc.) with the data bank of the network between the realization of a safe and convenient connection, of course, need to have a wireless communication function supporting hardware modules within such a device, a wireless communication module which is mentioned above. 由于上述基带芯片和无线通信模块早已是电子通信行业内成熟的技术,对本行业内的专业技术人员来说更是熟知的内容,并且二者对本发明的有益效果的实现起到的只是一般基础性的作用,因此,在这里对它们不作详细说明。 Since the above-mentioned baseband chip and a wireless communication module is already a mature technology in the electronic communication industry of our industry the skilled person is well known in the content, and to achieve both beneficial effects of the present invention functions only general basic effect, therefore, they will not be here described in detail.

[0036] 为了实现本发明最关键的有益效果部分,即实现安全便捷地移动支付,所述设备内设置了NFC芯片和NFC天线,其中所述NFC芯片与所述基带芯片连接,用于驱动所述NFC天线发射或接收信号,所述NFC芯片一般支持三种工作模式: [0036] In order to achieve the present invention, the most critical part of the advantageous effect, i.e., to achieve safe and easy to move and the NFC chip is provided inside antenna NFC payment, the device, wherein the NFC chip is connected to the baseband chip, for driving the said NFC antenna to transmit or receive signals, the NFC chip typically supports three operating modes:

[0037] 1、卡模式(Card emulat1n):这个模式其实就是相当于一张采用RFID技术的IC卡。 [0037] 1, a card mode (Card emulat1n): This mode is actually equivalent to an IC card using RFID technology. 可以替代大量的IC卡(包括信用卡)场合商场刷卡、公交卡、门禁管制,车票,门票等等。 Can replace a large number of IC cards (including credit cards) where shopping card, bus cards, access control, tickets, tickets and so on. 此种方式下,有一个极大的优点,那就是卡片通过非接触读卡器的RF域来供电,即便是寄主设备(如手机)没电也可以工作。 In this way, it is a great advantage, that the card is powered by an RF field non-contact card reader, even if the host device (e.g., mobile phone) may also work without electricity.

[0038] 2、点对点模式(P2P mode):这个模式和红外线差不多,可用于数据交换,只是传输距离较短,传输创建速度较快,传输速度也快些,功耗低(蓝牙也类似)。 [0038] 2, ad-hoc mode (P2P mode): This mode is similar to the infrared and can be used for data exchange, but the transmission distance is short, the transmission create faster, faster transmission speed, low power consumption (Bluetooth similarly). 将两个具备NFC功能的设备链接,能实现数据点对点传输,如下载音乐、交换图片或者同步设备地址薄。 Linking the two NFC-enabled devices, to achieve point to point data transmission, such as downloading music, pictures or exchange address book synchronization device. 因此通过NFC,多个设备如数位相机、PDA、计算机和手机之间都可以交换资料或者服务。 So by NFC, across multiple devices such as digital cameras, PDA, computers and mobile phones can exchange data or services.

[0039] 3、读卡器模式(Reader / writer mode):作为非接触读卡器使用,比如从海报或者展览信息电子标签上读取相关信息。 [0039] 3, the card reader mode (Reader / writer mode): non-contact card reader, such as reading information from the exhibition information posters or electronic tags.

[0040] 本发明应用于移动支付领域,所述设备发挥的作用其实就是一个POS机,因此,其采取的工作模式是读卡器模式。 [0040] The present invention is applied to a mobile payment field, the role of the device is actually a POS machine, therefore, the operation mode which is taken by the card reader mode.

[0041 ] 另外,所述NFC天线与所述NFC芯片连接,其线圈部分采用的是一组环形的金属绕线圈,通过它来发射或接收信号,即用于与外部的NFC设备交互信息。 [0041] Further, the NFC chip of the NFC antenna is connected, the coil portion thereof is used in a set of annular metal wound coils, through which to transmit or receive signals, i.e., the NFC device for interacting with an external information.

[0042] 上述说明及图1部分只是大致的描述了设备内各功能子模块的构成及连接关系,但在下面对完整支付流程的说明部分中,会结合图3更系统的说明上述各功能子模块在整个支付流程中发挥的功能。 [0042] 1 part of the above description and the figures are only generally describes the configuration and connection relationship between each sub-module of the device, but the lower face of the complete payment process description section will be described in conjunction with FIG. 3 each functional sub-system more modules play throughout the payment process functions.

[0043] 为了更直观的体现本发明实施例,图2示出了本发明实施例提供的可穿戴的移动支付设备的一种可能的外观,其形状类似于一种腕表,可以佩戴在手腕上,需要说明的是,上述涉及的基带芯片和无线通信模块并没有在此图中体现出来,但这显然并不影响对于本发明实施例的技术方案的理解。 [0043] In order to more directly reflect embodiments of the invention, FIG 2 shows a wearable mobile payment device according to an embodiment of the present invention might look similar in shape to one kind of watch, can be worn on the wrist on it should be noted that, according to the above-mentioned baseband chip and a wireless communication module is not reflected in this figure, but this obviously does not affect the understanding of the technical solutions according to the present invention.

[0044] 从图2中可以看到,NFC芯片2设置在设备的壳体I内,而NFC天线3则是一种环形线圈的形式设置于所述壳体I内,而采用这样的设计形式,线圈可以更方便的贴近外部的非接触卡或其他NFC设备,有利于提高线圈的传输性能和效率。 [0044] As can be seen in FIG. 2, NFC chip 2 disposed within the housing of the device I, and the NFC antenna 3 is in the form of an annular coil disposed within the housing I, but such a design in the form of the coil can more easily close to the external non-contact card or other NFC devices, and help to improve the transmission efficiency of the coil performance.

[0045] 另外,上述壳体I上还设置了输入输出设备4,输入设备当然是为了发起支付请求,输出设备则是用于显示支付过程中的各种信息。 [0045] Further, the casing further I input and output device 4 is provided, of course, is an input device for payment request is initiated, the output device is the various kinds of information for displaying the payment process. 具体的,所述输入输出设备4可以是一种触摸显示屏。 Specifically, the input-output device 4 may be a touch screen.

[0046] 为了保护上述各功能模块或电路,上述壳体I可以采用一种适合于室外佩戴的绝缘材料制成,由于这类材料很多,在此不作赘述。 [0046] In order to protect each of the functional modules or circuits, the housing I may be employed which is suitable for outdoor wear the insulating material, since many of these materials, not described herein.

[0047] 本发明实施例还提供所述设备的支付方法,请参考图3,其示出了所述支付方法的流程图,包括以下步骤: [0047] Embodiments of the invention also provides a method of payment of the device, please refer to FIG. 3, which shows a flowchart of the payment method, comprising the steps of:

[0048] 步骤S101、提交支付请求。 [0048] step S101, and submit payment request.

[0049] 具体的过程可以是:首先通过设备上的触摸屏输入交易金额等信息,然后点击“提交”,基带芯片将信息处理后传至NFC芯片,所述NFC芯片启动读卡器工作模式,驱动NFC天线发射出请求信号。 [0049] The specific process may be: a touch screen input information through the first transaction amount on the device, and then click the "Submit", the baseband chip transmitted after the information processing NFC chip, the chip enable NFC reader operation mode, the driving NFC antenna transmits a request signal.

[0050] 步骤S102、获取银行交易所需信息。 [0050] step S102, the acquiring bank transactions required information.

[0051] 所述信息主要是指为实现成功交易而必需的银行帐户信息,如银行代码、银行卡号、开户名等,这些信息可以是由非接触类的银行IC卡提供,或者由其他集成了NFC功能的智能设备提供,目前这类智能设备已经广泛应用了,常见的比如一些智能手机。 [0051] The main information refers required for successful transaction bank account information, such as the bank code, card number, branch name, etc., which bank information may be provided by a non-contact type IC card, or by other integrated NFC-enabled smart device provides, at present this kind of smart devices have been widely applied, such as some common smartphone. 需要说明的是,上述IC卡或智能设备的内部都设置有NFC芯片及天线,而且它采取的工作模式都是上述的卡模式。 Incidentally, the inside of the IC card or smart devices are provided with an NFC chip and an antenna, and its operating mode are taken above the card mode.

[0052] 上述步骤S102具体的过程可以是:当上述IC卡或智能设备的NFC天线收到所述步骤SlOl中NFC天线发出的请求信号后,其NFC芯片再将上述提到的所需信息通过NFC天线返回给所述设备的NFC天线。 [0052] S102 step above specific process may be: when the NFC antenna of the IC card or smart device receives the request signal in the step SlOl NFC antenna issued, then the NFC chip which information required by the above-mentioned NFC antenna device is returned to the NFC antenna.

[0053] 步骤S103、通过无线通信网络将所述信息传输至银行数据中心。 [0053] Step S103, the wireless communication network to transmit information to the central data bank.

[0054] 具体的过程可以是:上述步骤S102中最后NFC天线接收到的信息,经NFC芯片及基带芯片处理后,再通过相连的无线通信模块,即通过无线通信网络发给相关银行的数据中心,所述无线通信网络可以是WIF1、GPRS、3G、LTE等其中的一种,具体的可以根据实际情况自主选择。 [0054] a specific process may be: step S102 last NFC antenna information received by the NFC chip and a baseband chip process, and then through the wireless communication module is connected to, i.e., sent to the relevant bank data center through a wireless communication network the wireless communication network may be WIFl, wherein a GPRS, 3G, LTE, etc., may be specifically choose the actual situation.

[0055] 步骤S104、银行数据中心对银行帐号进行帐户操作。 [0055] step S104, the data center bank account to bank account to be operating.

[0056] 具体的过程可以是:银行数据中心接收到上述步骤S103中的交易请求后,会根据请求中的交易信息,开始逐步进行帐户鉴权及扣费等工作,并将处理结果返回给设备。 [0056] The specific process may be: the bank data center receives a transaction request after the above-described step S103, based on the transaction information in the request, the account authentication and gradually deductions, etc., and the results returned to the device . 设备中的基带芯片再根据返回的结果进行下一步的处理。 The baseband chip device then further processing according to the result returned. 所述处理结果包括鉴权失败、扣费失败及扣费成功等三种结果。 The processing result comprises the authentication fails, the failure deduction three results and deductions success like. 如果是帐户鉴权失败或因账户余额不足等原因导致扣费失败,则通过上述显示屏等输出设备显示出“交易失败”等信息,且提示“重新请求交易”,如果“确定”,即再次进入步骤S101,否则,则为放弃此次交易。 If the account authentication failure or insufficient reasons account balances as a result of deductions fails, displays and other output devices via the show a "deal failed" and other information, and prompt "re-request transaction" if "OK", that is, again proceeds to step S101, otherwise, was to abandon the deal. 若是扣费成功,则显示“交易成功”等信息。 If the chargeback is successful, "successful transaction" and other information is displayed.

[0057] 步骤S105、对上述非接触IC卡或集成NFC功能的智能设备进行银行处理结果的写操作。 [0057] step S105, the intelligent device of the above-described noncontact IC card function or integrated NFC bank processing result of the write operation.

[0058] 具体过程可以是:NFC芯片根据基带芯片传来的银行处理结果,启动读卡器模式,驱动NFC天线发出信号,同样,上述非接触IC卡或集成NFC功能的智能设备的NFC天线接收到此信号,其NFC芯片再根据此信号对卡或智能设备内存储的银行帐户信息进行写操作,所述写操作可以是修改账户余额或添加交易记录等。 [0058] The specific process may be: The NFC chip bank processing result transmitted from the baseband chip, the card reader start mode, the NFC antenna drive signals, similarly, the non-contact NFC antenna integrated IC card or NFC-enabled smart device receives this signal, this signal again its NFC chip to the card or bank account information stored in smart devices according to the write operation, the write operation can be modified to add account balance or transaction records.

[0059] 从以上技术方案的说明可以看出,通过将NFC功能集成到这种可佩戴式的智能通信设备中,利用设备本身具有的无线通信功能与银行数据中心通信,成为了一个携带方便的小型无线POS机,并且交易的双方之间的数据信息通过NFC这种安全的近场通信通道来传递,可以说,真正做到了安全便捷地支付。 [0059] As can be seen from the above description of the technical solution, by which the NFC functionality into the smart wearable communication devices, using the device itself has a wireless communication function to communicate with the central data bank, it becomes a convenient carrying small wireless POS, and data information between the parties to pass through this secure NFC near field communication channel transaction, we can say, truly safe and easy to pay. 这些都无疑降低了人们对移动支付这种新兴的支付方式的各种疑虑,有利于移动支付的普及和推广。 These are undoubtedly reduce people's doubts on this new mobile payment method of payment is conducive to popularize and promote mobile payments.

[0060] 本说明书中各个实施例采用递进的方式描述,每个实施例重点说明的都是与其他实施例的不同之处,各个实施例之间相同相似部分互相参见即可。 [0060] In the present specification, the various embodiments described in a progressive manner, differences from the embodiment and the other embodiments each of which emphasizes embodiment, the same or similar portions between the various embodiments refer to each other. 对于实施例公开的装置而言,由于其与实施例公开的方法相对应,所以描述的比较简单,相关之处参见方法部分说明即可。 For the disclosed embodiment of the apparatus embodiment, since it corresponds to the method disclosed embodiments, the description is relatively simple, see Methods of the correlation can be described.

[0061] 本领域技术人员可以理解,可以使用许多不同的工艺和技术中的任意一种来表示信息、消息和信号。 [0061] Those skilled in the art will appreciate, may be used any of a variety of different technologies and techniques to represent the information, messages and signals. 例如,上述说明中提到过的消息、信息都可以表示为电压、电流、电磁波、磁场或磁性粒子、光场或以上任意组合。 For example, reference throughout the above description of the message, the information may be represented by voltages, currents, electromagnetic waves, magnetic fields or particles, optical fields or any combination of the above.

[0062] 专业人员还可以进一步意识到,结合本文中所公开的实施例描述的各示例的单元及算法步骤,能够以电子硬件、计算机软件或者二者的结合来实现,为了清楚地说明硬件和软件的可互换性,在上述说明中已经按照功能一般性地描述了各示例的组成及步骤。 [0062] professionals may further appreciate that the various means disclosed herein and algorithm steps described exemplary embodiments, by electronic hardware, computer software, or a combination thereof. In order to clearly illustrate the hardware and software interchangeability, in the above description, according to functions generally described compositions and steps of the examples. 这些功能究竟以硬件还是软件方式来执行,取决于技术方案的特定应用和设计约束条件。 Whether these functions are performed by hardware or software depends upon the particular application and design constraints of the technical solutions. 专业技术人员可以对每个特定的应用来使用不同方法来实现所描述的功能,但是这种实现不应认为超出本发明的范围。 Professional technical staff may use different methods for each specific application to implement the described functionality, but such implementation should not be considered outside the scope of the present invention.

[0063] 本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程,是可以通过计算机程序来指令相关的硬件来完成,所述的程序可存储于一计算机可读取存储介质中,所述程序在执行时,可包括如上述各方法的实施例的流程。 [0063] Those of ordinary skill in the art may understand that the above-described method embodiments all or part of the processes may be related hardware instructed by a computer program, the program may be stored in a computer readable storage medium. the program is executed, the processes of the foregoing method embodiments. 其中,所述的存储介质可为磁碟、光盘、只读存储记忆体(Read-Only Memory,ROM)或随机存储记忆体(Random AccessMemory, RAM)等。 Wherein the storage medium may be a magnetic disk, an optical disk, read-only memory (Read-Only Memory, ROM) or a random access memory (Random AccessMemory, RAM) and the like.

[0064] 对所公开的实施例的上述说明,使本领域专业技术人员能够实现或使用本发明。 [0064] The above description of the disclosed embodiments enables those skilled in the art to make or use the present invention. 对这些实施例的多种修改对本领域的专业技术人员来说将是显而易见的,本文中所定义的一般原理可以在不脱离本发明的精神或范围的情况下,在其它实施例中实现。 Various modifications to these professionals skilled in the art of the present embodiments will be apparent, and the generic principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the invention. 因此,本发明将不会被限制于本文所示的这些实施例,而是要符合与本文所公开的原理和新颖特点相一致的最宽的范围。 Accordingly, the present invention will not be limited to the embodiments shown herein but is to be accorded herein consistent with the principles and novel features disclosed widest scope.

Claims (8)

  1. 1.一种可穿戴的移动支付设备,所述设备为具有基带芯片和无线通信模块的智能设备,包括设备本体,其特征在于,所述本体内还设置有近场通信即¢:芯片及即天线,其中: 所述即芯片与所述基带芯片连接,用于驱动所述即天线发射或接收信号; 所述即天线与所述即芯片连接,用于与外部的即设备交互信息。 A wearable mobile payment device, the device is a smart device having a baseband chip and a wireless communication module, comprising apparatus body, wherein said body further is provided with a near field communication i.e. ¢: i.e., chips and antenna, wherein: said chip and that is connected to the baseband chip, i.e., for driving the antenna to transmit or receive signals; i.e., the antenna connected to the chip i.e., the device that is used to exchange information with the outside.
  2. 2.根据权利要求1所述的移动支付设备,其特征在于,所述本体上设置有输入输出设备,与所述基带芯片连接,用于输入支付请求和显示支付信息。 2. The mobile payment device according to claim 1, characterized in that the input-output device provided on the body, and connected to the baseband chip, and a display for inputting payment request payment information.
  3. 3.根据权利要求2所述的移动支付设备,其特征在于,所述输入输出设备为触摸显示屏。 The mobile payment device as claimed in claim 2, wherein said output device is a touch screen input.
  4. 4.根据权利要求1所述的移动支付设备,其特征在于,所述无线通信模块支持的无线网络类型包括网络、⑶…网路、36网络及112网络。 4. The mobile payment device as claimed in claim 1, wherein the wireless communication module to support wireless networks include network types, network ⑶ ..., 36 and the network 112 network.
  5. 5.根据权利要求1〜4任意一项所述的移动支付设备,其特征在于,所述本体的外部轮廓为可穿戴在手腕上的腕表形状。 ~ 4 according to claim any one of the mobile payment device, characterized in that the outer contour of the body is in the shape of a wearable wrist watch.
  6. 6.根据权利要求5所述的移动支付设备,其特征在于,所述本体的外壳为绝缘材料构成。 The mobile payment device as claimed in claim 5, wherein said housing body is composed of an insulating material.
  7. 7.—种权利要求1至6任意一项所述的移动支付设备的支付方法,其特征在于,所述支付方法包括以下步骤: 八、提交支付请求; 7.- kinds of claims 1 to 6, in any one of the payment method of the mobile payment device, wherein the payment method comprises the steps of: eight, submit a payment request;
  8. 8.获取银行交易所需信息,所述信息由非接触X卡或集成即功能的智能设备反馈提供; 匕通过无线通信网络将所述信息传输至银行数据中心; 0、银行数据中心根据所述信息对银行帐号进行帐户操作,并将处理结果反馈给设备; 2、对非接触冗卡或集成即功能的智能设备进行银行处理结果的写操作。 8. Get desired banking transaction information, the feedback information provided by a non-contact card or integrated i.e. X-enabled smart device; dagger wireless communication network to transmit information to the central data bank; 0, a data center in accordance with the bank Bank account information for account operation, and the results fed back to the device; 2, intelligent device or integrated non-contact card that is redundant function of bank processing result of the write operation. 8.根据权利要求7所述的支付方法,其特征在于,所述无线通信网络包括网络、6?1?8网路、36网络及112网络。 8. The payment method according to claim 7, wherein said communication network comprises a wireless network, 6? 1? 8 network, network 36 and network 112.
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