CN104428822A - 非接触支付方法、设备和系统 - Google Patents

非接触支付方法、设备和系统 Download PDF

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Publication number
CN104428822A
CN104428822A CN201380001141.9A CN201380001141A CN104428822A CN 104428822 A CN104428822 A CN 104428822A CN 201380001141 A CN201380001141 A CN 201380001141A CN 104428822 A CN104428822 A CN 104428822A
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China
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application
application identifier
information
reading terminals
mobile terminal
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CN201380001141.9A
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CN104428822B (zh
Inventor
王淼
金志皓
常新苗
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Huawei Device Co Ltd
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Huawei Device Co Ltd
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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
    • 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]
    • 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
    • G06Q20/326—Payment applications installed on the mobile devices

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

本发明提供一种非接触支付方法、设备和系统，具有NFC功能的移动终端中接收读取终端发送的包含金融文件应用标识符的选择命令后，若确定需要进行辅助支付应用，则向读取终端返回与金融文件应用标识符对应的PPSE，其中，PPSE包括：银行支付应用的第一应用标识符和辅助支付应用的第二应用标识符，且第二应用标识符的优先级高于第一应用标识符的优先级，从而读取终端根据PPSE中支付应用的优先级从移动终端中依次获取与支付应用对应的支付信息完成支付；从而提高了非接触支付的效率和用户体验。

Description

PCT国内申请，说明书已公开。

Claims (1)

  1. PCT国内申请，权利要求书已公开。
CN201380001141.9A 2013-06-29 2013-06-29 非接触支付方法、设备和系统 Active CN104428822B (zh)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2013/078516 WO2014205849A1 (zh) 2013-06-29 2013-06-29 非接触支付方法、设备和系统

Publications (2)

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CN104428822A true CN104428822A (zh) 2015-03-18
CN104428822B CN104428822B (zh) 2018-03-09

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US (1) US20150112860A1 (zh)
EP (1) EP2858044A4 (zh)
JP (1) JP6127318B2 (zh)
CN (1) CN104428822B (zh)
WO (1) WO2014205849A1 (zh)

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CN105916135A (zh) * 2016-05-31 2016-08-31 青岛海信移动通信技术股份有限公司 虚拟卡终端中进行nfc支付的方法及虚拟卡终端
US11689511B2 (en) 2018-12-06 2023-06-27 Visa International Service Association Communication device using virtual access device and transaction applet

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KR20140140079A (ko) * 2012-04-18 2014-12-08 구글 인코포레이티드 보안 요소를 갖지 않는 지불 거래들의 처리
AU2015259162B2 (en) * 2014-05-13 2020-08-13 Visa International Service Association Master applet for secure remote payment processing
US10242356B2 (en) * 2014-08-25 2019-03-26 Google Llc Host-formatted select proximity payment system environment response
CN105160530A (zh) * 2015-07-31 2015-12-16 努比亚技术有限公司 一种移动终端及信息处理方法
KR102453705B1 (ko) * 2015-09-25 2022-10-11 삼성전자주식회사 호스트의 정당성 여부에 따라 선택적으로 결제 기능을 온(on)하는 결제 장치의 동작 방법
US10523441B2 (en) 2015-12-15 2019-12-31 Visa International Service Association Authentication of access request of a device and protecting confidential information
JP6677149B2 (ja) * 2016-12-15 2020-04-08 トヨタ自動車株式会社 利用者誘導システム
CN114663086A (zh) 2017-08-16 2022-06-24 创新先进技术有限公司 一种账户创建、账户充值、数据同步方法及设备
EP3582163A1 (en) * 2018-06-14 2019-12-18 Mastercard International Incorporated A transaction device, computer program and transaction method
US10791460B2 (en) * 2019-01-30 2020-09-29 Visa International Service Association Terminal type identification in interaction processing

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CN101836216A (zh) * 2007-06-08 2010-09-15 维沃科技公司 用于在普通业务期间与同一无线智能设备上的iso 14443-4和mifare*应用程序进行交互的方法、系统和计算机程序产品
CN101833817A (zh) * 2009-03-11 2010-09-15 中兴通讯股份有限公司 一种非接触电子支付中实现应用选择的方法及终端
CN101901362A (zh) * 2010-07-16 2010-12-01 上海复旦微电子股份有限公司 非接触应用自动切换方法及切换装置
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JP4663441B2 (ja) * 2005-07-26 2011-04-06 株式会社エヌ・ティ・ティ・ドコモ 移動体端末装置及び電子決済システム
JP2007141055A (ja) * 2005-11-21 2007-06-07 Sharp Corp 電子有価情報装置、携帯端末装置、決済端末装置、電子有価情報処理システム、並びにプログラム及び記録媒体
JP5098357B2 (ja) * 2007-02-20 2012-12-12 日本電気株式会社 電子支払い選択システム、方法およびプログラム
CN101719247A (zh) * 2009-11-30 2010-06-02 刘宜云 基于非接触式手持支付终端进行支付的系统和方法
CN101719255A (zh) * 2009-12-01 2010-06-02 深圳市隽炜电子信息有限公司 基于非接触式手持支付终端电子优惠券的系统和方法
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CN101836216A (zh) * 2007-06-08 2010-09-15 维沃科技公司 用于在普通业务期间与同一无线智能设备上的iso 14443-4和mifare*应用程序进行交互的方法、系统和计算机程序产品
CN101833817A (zh) * 2009-03-11 2010-09-15 中兴通讯股份有限公司 一种非接触电子支付中实现应用选择的方法及终端
CN101901362A (zh) * 2010-07-16 2010-12-01 上海复旦微电子股份有限公司 非接触应用自动切换方法及切换装置
US20120109764A1 (en) * 2010-10-27 2012-05-03 Philippe Martin Systems, methods, and computer readable media for utilizing one or more preferred application lists in a wireless device reader
US20120298747A1 (en) * 2011-05-23 2012-11-29 Mestre Patrick Combicard transaction method and system having an application parameter update mechanism

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105916135A (zh) * 2016-05-31 2016-08-31 青岛海信移动通信技术股份有限公司 虚拟卡终端中进行nfc支付的方法及虚拟卡终端
US11689511B2 (en) 2018-12-06 2023-06-27 Visa International Service Association Communication device using virtual access device and transaction applet

Also Published As

Publication number Publication date
CN104428822B (zh) 2018-03-09
WO2014205849A1 (zh) 2014-12-31
JP2015527656A (ja) 2015-09-17
JP6127318B2 (ja) 2017-05-17
EP2858044A4 (en) 2015-07-15
US20150112860A1 (en) 2015-04-23
EP2858044A1 (en) 2015-04-08

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Address after: Metro Songshan Lake high tech Industrial Development Zone, Guangdong Province, Dongguan City Road 523808 No. 2 South Factory (1) project B2 -5 production workshop

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Address after: 523808 Southern Factory Building (Phase I) Project B2 Production Plant-5, New Town Avenue, Songshan Lake High-tech Industrial Development Zone, Dongguan City, Guangdong Province

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