CN105279646A - Payment application selection method and mobile terminal - Google Patents
Payment application selection method and mobile terminal Download PDFInfo
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- CN105279646A CN105279646A CN201510624610.3A CN201510624610A CN105279646A CN 105279646 A CN105279646 A CN 105279646A CN 201510624610 A CN201510624610 A CN 201510624610A CN 105279646 A CN105279646 A CN 105279646A
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- payment
- disbursement account
- terminal
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
Embodiments of the invention disclose a payment application selection method and a mobile terminal. The payment application selection method comprises steps of when a terminal performs mobile payment and more than one payment application is installed in the terminal, determining whether an embedded safety module in the terminal stores preset payment account information or not, wherein the preset payment account information is information of a payment account corresponding to a payment application in the terminal; if the embedded safety module in the terminal does not store preset payment account information, sending a payment account selection prompt to enable a user to select a preset payment account; and based on the preset payment account, generating preset payment account information and storing the preset payment account information in the embedded safety module. According to the invention, when more than one payment application is installed in the terminal, the user can automatically select one frequently-used payment application for payment, so that the operation of mobile payment is enabled to be more flexible and convenient.
Description
Technical field
The present invention relates to the communications field, be specifically related to a kind of system of selection and the mobile terminal that pay application.
Background technology
Near-field communication (NearFieldCommunication, NFC) is a kind of short-range wireless communication technology, allows to carry out the contactless Point-to-Point Data Transmission of short distance between electronic equipment.NFC pays and refers to that consumer is when buying commodity or service, do not need to use mobile network, instant employing NFC technique (NearFieldCommunication), carry out local communication by the handheld devices such as mobile phone and the equipment such as point-of-sale terminal (pointofsale is called for short POS) or automatic vending machine and complete payment.
At present, the intelligent mobile terminals such as mobile phone can be installed multiple mobile payment application, as Alipay, the payment of micro-letter, wing payment etc., but each mobile payment application has all been bound with respective operator, so when terminal carries out NFC mobile payment, NFC generates the application identity identification (ApplicationIdentification of acquiescence automatically, be called for short AID) routing iinformation, the mobile payment application re-using acquiescence pays, thus user cannot independently pay in optional m igration payment application, delivery operation is made to lack dirigibility, convenient not.
Summary of the invention
Embodiments provide a kind of system of selection and the mobile terminal that pay application, pay application to the autonomous optional m igration of user can be made and pay, make the operation of mobile payment more flexible.
Embodiment of the present invention first aspect provides a kind of system of selection paying application, comprising:
When terminal carries out mobile payment, if the payment application of installing in described terminal is greater than one, then judge whether the embedded security module in described terminal preserves default disbursement account information, described default disbursement account information is pay with in described terminal the information applying corresponding disbursement account;
If do not preserve in described embedded security module and preset disbursement account information, then send disbursement account and select prompting to make user select default disbursement account;
Generate according to described default disbursement account and preset disbursement account information and be saved to embedded security module.
Embodiment of the present invention second aspect provides a kind of mobile terminal, comprising:
Judge module, for when terminal carries out mobile payment, if the payment application of installing in described terminal is greater than one, then judge whether the embedded security module in described terminal preserves default disbursement account information, described default disbursement account information is pay with in described terminal the information applying corresponding disbursement account;
Reminding module, if preset disbursement account information for not preserving in described embedded security module, then sends disbursement account and selects prompting to make user select default disbursement account;
Preserve module, preset disbursement account information for generating according to described default disbursement account and be saved to embedded security module.
Can find out, in the technical scheme that the embodiment of the present invention provides, when terminal carries out mobile payment, if the payment application of installing in terminal is greater than one, then judge whether the embedded security module in terminal preserves default disbursement account information, if do not preserve in embedded security module and preset disbursement account information, then terminal sends disbursement account selection prompting and selects default disbursement account for user, and default disbursement account user selected generates default disbursement account information and is saved in embedded security module.Thus the payment that can realize installing in the terminal application is when being greater than one, user initiatively selects a payment oneself commonly used to apply to pay, make the operation of mobile payment more flexible.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is a kind of schematic flow sheet paying the system of selection of application that first embodiment of the invention provides;
Fig. 2 is a kind of schematic flow sheet paying the system of selection of application that second embodiment of the invention provides;
Fig. 3 is the structural representation of a kind of mobile terminal that third embodiment of the invention provides;
Fig. 4 is the structural representation of a kind of mobile terminal that fourth embodiment of the invention provides;
Fig. 5 is the structural representation of a kind of mobile terminal that fifth embodiment of the invention provides.
Embodiment
Embodiments provide a kind of system of selection and the mobile terminal that pay application, pay application to the autonomous optional m igration of user can be made and pay, make the operation of mobile payment more flexible.
The present invention program is understood better in order to make those skilled in the art person, below in conjunction with the accompanying drawing in the embodiment of the present invention, technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is only the embodiment of a part of the present invention, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, should belong to the scope of protection of the invention.
Term " first ", " second " and " the 3rd " etc. in instructions of the present invention and claims and above-mentioned accompanying drawing are for distinguishing different object, but not for describing particular order.In addition, term " comprises " and their any distortion, and intention is to cover not exclusive comprising.Such as contain the process of series of steps or unit, method, system, product or equipment and be not defined in the step or unit listed, but also comprise the step or unit do not listed alternatively, or also comprise alternatively for other intrinsic step of these processes, method, product or equipment or unit.
A kind of system of selection paying application of the embodiment of the present invention, a kind of system of selection paying application comprises: when terminal carries out mobile payment, if the payment application of installing in described terminal is greater than one, then judge whether the embedded security module in described terminal preserves default disbursement account information, described default disbursement account information is pay with in described terminal the information applying corresponding disbursement account; If do not preserve in described embedded security module and preset disbursement account information, then send disbursement account and select prompting to make user select default disbursement account; Generate according to described default disbursement account and preset disbursement account information and be saved to embedded security module.
First be a kind of schematic flow sheet paying the system of selection of application that first embodiment of the invention provides see Fig. 1, Fig. 1.Wherein, as shown in Figure 1, a kind of system of selection paying application that first embodiment of the invention provides can comprise:
S101, when terminal carries out mobile payment, if the payment application of installing in described terminal is greater than one, then judge whether the embedded security module in described terminal preserves default disbursement account information, described default disbursement account information is pay with in described terminal the information applying corresponding disbursement account.
Wherein, terminal refers to the mobile intelligent terminal with NFC payment module, and can install on the terminal and pay application, this terminal can be the intelligent terminals such as mobile phone, panel computer, wearable device, thus when terminal utilizes NFC to carry out mobile payment, the payment application that this terminal can be utilized to install on the terminal pays.
Alternatively, in possible embodiments more of the present invention, the payment application of installing on the terminal can be Alipay, micro-letter pays application, wing payment etc. and pays and apply, usually, the payment of installing on the terminal apply quantity be greater than one.
Alternatively, at possible embodiments more of the present invention, smart card service system (SmartCardService) is installed in this mobile intelligent terminal, may be used for carrying out operational administrative to the function relevant to mobile payment in intelligent terminal.
Wherein, disbursement account information is the information of the disbursement account installing an application correspondence in payment application in the terminal, application identities (applicationidentifier is called for short AID) routing iinformation, payment account can be comprised and pay the information such as key.Preset disbursement account information and refer to that terminal presets the information of the disbursement account of agreement, in embodiments of the present invention, preset disbursement account information can pay the disbursement account of application correspondence information for of being installed in terminal.
Wherein, embedded security module (EmbedSecurityElements is called for short ESE module) refers in terminal the data storage areas with higher security permission, thus this region can be utilized to deposit some high security data.In embodiments of the present invention, the disbursement account information paying application corresponding is stored in embedded security module.
Illustrate, in possible embodiments more of the present invention, after the NFC module that the electromagnetic field of the POS transmission 13.56MHz with 13.56MHz transmission frequency Activates Phone, thus user utilizes mobile phone to carry out NFC mobile payment, if installed multiple payment application in mobile phone, comprise " Alipay " and " Bank of China " etc. and pay application, now in order to realize user initiatively to the selection paying application, detect the payment in mobile phone application have be greater than one time, first SmartCardService judges whether there is default disbursement account information in the ESE module of mobile phone.
Alternatively, in other possible embodiments of the present invention, if detect, the payment in terminal is applied as one, directly utilizes this payment to apply and pays.
If do not preserve in the described embedded security module of S102 and preset disbursement account information, then send disbursement account and select prompting to make user select default disbursement account.
Alternatively, in possible embodiments more of the present invention, if do not preserve in embedded security module and preset disbursement account information, then illustrate now still to use to apply with the payment of operator binding and pay, and this payment application payment that also non-user is independently selected is applied, so in order to allow user pay application from main separation thus be convenient to the ensuing delivery operation of user, then terminal interface eject a selection window for user terminal in select to need to carry out the disbursement account of delivery operation in disbursement account corresponding to the payment application of installing.
Alternatively, in other possible embodiments of the present invention, also can select default disbursement account by other mode for user, such as, user can select with voice, or can preset disbursement account with arranging user's predetermined registration operation corresponding selection on a terminal screen.
Illustrate, in possible embodiments more of the present invention, if be provided with Alipay, micro-letter, Bank of China etc. in mobile phone to pay application simultaneously, and user habit ground uses Alipay to pay, and selects so want to carry out active to payment application.Then when user carries out NFC delivery operation, a window is ejected at mobile phone interface, for inquiring the account that user needs the application of the payment for paying corresponding, thus user can pay application account from these and selects the application required for user to pay, as Alipay.
Alternatively, in other possible embodiments of the present invention, if detect, the payment in terminal is applied as one, then do not need user to select, and directly utilizes this payment to apply and pays.
S103, to generate according to described default disbursement account and preset disbursement account information and be saved to embedded security module.
Alternatively, in possible embodiments more of the present invention, the default disbursement account selected according to user generates disbursement account information and when being saved to ESE module, the AID routing iinformation given tacit consent to is generated according to the default disbursement account that user selects, the payment of being installed in the terminal by the selection of AID routing iinformation is again applied, thus again according to disbursement account and the default information such as payment account and password of payment cipher generation of the user in respective pay application.
Illustrate, in possible embodiments more of the present invention, if be provided with Alipay, micro-letter, Bank of China etc. in mobile phone to pay application simultaneously, and user habit ground uses Alipay to pay, and selects so need to carry out active to payment application.Then when user carries out NFC delivery operation, eject a window at mobile phone interface, for inquiring the account that user needs the application of the payment for paying corresponding, thus user can pay application account from these and selects the application required for user to pay.If now user have selected the account of Alipay application, then SmartCardService generates AID routing iinformation by according to selected disbursement account, Alipay is found to apply according to this routing iinformation again, the account of Alipay and password is used to generate the information such as disbursement account and password according to user again, and by this AID routing iinformation, the account information such as disbursement account and password is saved in embedded security module, when subsequent user reuses NFC mobile payment, the disbursement account information be kept in ESE module then can be directly used to carry out NFC payment, because this modes of payments corresponding to disbursement account information also namely user need according to oneself selected by, thus the setting achieved the default modes of payments.
Alternatively, in possible embodiments more of the present invention, choose the disbursement account of acquiescence user after and after disbursement account information is saved to ESE module, payment corresponding to this account can be used when next time pays to apply and to pay.
Alternatively, in other possible embodiments of the present invention, choose the disbursement account of acquiescence user after and after disbursement account information is saved to ESE module, when wanting that if pay next time changing payment application pays, by disbursement account information deletion original in this ESE module, thus can reset default disbursement account.
Can find out, in the scheme of the present embodiment, when terminal carries out mobile payment, if the payment application of installing in terminal is greater than one, then judge whether the embedded security module in terminal preserves default disbursement account information, preset disbursement account information if do not preserve in embedded security module, then terminal sends disbursement account selection prompting and selects default disbursement account for user, and default disbursement account user selected generates default disbursement account information and is saved in embedded security module.Thus the payment that can realize installing in the terminal application is when being greater than one, user initiatively selects a payment oneself commonly used to apply to pay, make the operation of mobile payment more flexible.
Alternatively, in possible embodiments more of the present invention, described method also comprises:
If preserve default disbursement account information in described embedded security module, then from described embedded security module, read described default disbursement account information.
Be appreciated that, if preserve default disbursement account information in the ESE module in terminal, then this disbursement account information can be thought the disbursement account information of the payment application correspondence that user initiatively selects, thus this disbursement account information can be utilized to carry out mobile payment.
Alternatively, in other possible embodiments of the present invention, if user wants to change the modes of payments, then can delete the default disbursement account information in ESE module, thus again the default modes of payments be arranged.
Illustrate, in possible embodiments more of the present invention, if be provided with multiple modes of payments such as Alipay, the payment of micro-letter, Bank of China in mobile phone, when user utilizes NFC to carry out mobile payment, if the disbursement account information that the Alipay application arranged before preserving user in the ESE module in mobile phone is corresponding, then directly can read this disbursement account information and pay.
Further, if user changes pay custom, when utilizing micro-letter to pay, then can delete the disbursement account information of preserving in ESE module, re-using above-mentioned steps selects disbursement account to arrange default disbursement account information by user, thus resets the modes of payments that user commonly uses.
Alternatively, in possible embodiments more of the present invention, described generation according to described default disbursement account presets disbursement account information and after reading described default disbursement account information after being saved to embedded security module or from described embedded security module, described method also comprises:
Described default disbursement account information is utilized to carry out payment transaction.
Wherein, namely utilize described default disbursement account information to carry out mobile payment is utilize the disbursement account of payment application corresponding to AID routing iinformation in default disbursement account information and this payment application and password to carry out payment transaction.
Be appreciated that, if originally do not preserve default disbursement account information in ESE module, after choosing default disbursement account by user, the disbursement account information that this disbursement account then can be utilized to generate pays, or utilize the default disbursement account information of preserving in ESE module to pay, two kinds of modes can be thought the modes of payments that user initiatively selects to facilitate the delivery operation that user is follow-up.
Alternatively, in possible embodiments more of the present invention, described before terminal carries out mobile payment, described method also comprises:
Receive the activation instruction of close range wireless communication payment module;
Described close range wireless communication payment module is activated according to described activation instruction.
Wherein, activation instruction refers to and is moved the point-of-sale terminal of payment transaction when needs and intelligent terminal carry out payment transaction, to the instruction for activating the mobile payment module paid in intelligent terminal that intelligent terminal sends by POS etc. and intelligent terminal.
Alternatively, in possible embodiments more of the present invention, this activation instruction can for comprising the activation instruction of a 13.56MHz frequency, thus can NFC payment module in activated terminals.Such as, automatic vending machine can send the activation instruction for the NFC module in Activating Phone of 13.56MHz.
Be appreciated that when mobile terminal terminal carries out payment transaction, first need the mobile payment module activated by the point-of-sale terminal such as POS in mobile terminal, then carry out ensuingly carrying out the step such as selecting to transaction account.
Alternatively, in other possible embodiments of the present invention, described disbursement account information comprises:
Application identities routing iinformation, payment account and payment cipher.
Be appreciated that utilizing AID routing iinformation to find is routed to corresponding payment in application, thus recycling payment account and password carry out mobile payment.
Illustrate, if when selecting Alipay application to carry out payment transaction, then first need the Alipay application identities routing iinformation in ESE module to be routed to Alipay application, the Alipay account number and the password that recycle this cellphone subscriber have carried out payment transaction.
Alternatively, in other possible embodiments of the present invention, disbursement account information can also comprise other and pay relevant information, such as account balance and payment transaction history etc.
For the ease of better understanding and implement the such scheme of the embodiment of the present invention, the application scenarios concrete below in conjunction with some is illustrated.
Refer to Fig. 2, Fig. 2 is a kind of schematic flow sheet paying the system of selection of application that second embodiment of the invention provides, and wherein, as shown in Figure 2, a kind of system of selection paying application that second embodiment of the invention provides can comprise:
The activation instruction of S201, reception close range wireless communication payment module.
Wherein, NFC payment module refer to be configured at terminal, terminal can be made to carry out the module of mobile payment transaction by this point-of-sale terminal such as mobile payment module and POS, NFC payment module carries out payment transaction by installing application in the terminal.
Wherein, terminal refers to the mobile intelligent terminal with NFC payment module, and can install on the terminal and pay application, this terminal can be the intelligent terminals such as mobile phone, panel computer, wearable device, thus when terminal utilizes NFC to carry out mobile payment, the payment application that this terminal can be utilized to install on the terminal pays.
Alternatively, in possible embodiments more of the present invention, the payment application of installing on the terminal can be Alipay, micro-letter pays application, wing payment etc. and pays and apply, usually, the payment of installing on the terminal apply quantity be greater than one.
Alternatively, at possible embodiments more of the present invention, smart card service system (SmartCardService) is installed in this mobile intelligent terminal, may be used for carrying out operational administrative to the function relevant to mobile payment in intelligent terminal.
Wherein, activation instruction refers to and is moved the point-of-sale terminal of payment transaction when needs and intelligent terminal carry out payment transaction, to the instruction for activating the mobile payment module paid in intelligent terminal that intelligent terminal sends by POS etc. and intelligent terminal.
S202, activate close range wireless communication payment module according to activation instruction.
Alternatively, in possible embodiments more of the present invention, this activation instruction can for comprising the activation instruction of a 13.56MHz frequency, thus can NFC payment module in activated terminals.Such as, automatic vending machine can send the activation instruction for the NFC module in Activating Phone of 13.56MHz.
Be appreciated that when mobile terminal terminal carries out payment transaction, first need the mobile payment module activated by the point-of-sale terminal such as POS in mobile terminal, then carry out ensuingly carrying out the step such as selecting to transaction account.
S203, when terminal carries out mobile payment, if the payment application of installing in terminal is greater than one, then judge whether the embedded security module in terminal preserves default disbursement account information, this default disbursement account information is pay with in terminal the information applying corresponding disbursement account.
Wherein, disbursement account information is the information of the disbursement account installing an application correspondence in payment application in the terminal, application identities (applicationidentifier is called for short AID) routing iinformation, payment account can be comprised and pay the information such as key.Preset disbursement account information and refer to that terminal presets the information of the disbursement account of agreement, in embodiments of the present invention, preset disbursement account information can pay the disbursement account of application correspondence information for of being installed in terminal.
Wherein, embedded security module (EmbedSecurityElements is called for short ESE module) refers in terminal the data storage areas with higher security permission, thus this region can be utilized to deposit some high security data.In embodiments of the present invention, the disbursement account information paying application corresponding is stored in embedded security module.
Illustrate, in possible embodiments more of the present invention, after the NFC module that the electromagnetic field of the POS transmission 13.56MHz with 13.56MHz transmission frequency Activates Phone, thus user utilizes mobile phone to carry out NFC mobile payment, if installed multiple payment application in mobile phone, comprise " Alipay " and " Bank of China " etc. and pay application, now in order to realize user initiatively to the selection paying application, detect the payment in mobile phone application have be greater than one time, first SmartCardService judges whether there is default disbursement account information in the ESE module of mobile phone.
Alternatively, in other possible embodiments of the present invention, described disbursement account information comprises:
Application identities routing iinformation, payment account and payment cipher.
Be appreciated that utilizing AID routing iinformation to find is routed to corresponding payment in application, thus recycling payment account and password carry out mobile payment.
Illustrate, if when selecting Alipay application to carry out payment transaction, then first need the Alipay application identities routing iinformation in ESE module to be routed to Alipay application, the Alipay account number and the password that recycle this cellphone subscriber have carried out payment transaction.
Alternatively, in other possible embodiments of the present invention, disbursement account information can also comprise other and pay relevant information, such as account balance and payment transaction history etc.
If do not preserve in the embedded security module of S204 and preset disbursement account information, then send disbursement account and select prompting to make user select default disbursement account.
Alternatively, in possible embodiments more of the present invention, if do not preserve in embedded security module and preset disbursement account information, then illustrate now still to use to apply with the payment of operator binding and pay, and this payment application payment that also non-user is independently selected is applied, so in order to allow user pay application from main separation thus be convenient to the ensuing delivery operation of user, then terminal interface eject a selection window for user terminal in select to need to carry out the disbursement account of delivery operation in disbursement account corresponding to the payment application of installing.
Alternatively, in other possible embodiments of the present invention, also can select default disbursement account by other mode for user, such as, user can select with voice, or can preset disbursement account with arranging user's predetermined registration operation corresponding selection on a terminal screen.
Illustrate, in possible embodiments more of the present invention, if be provided with Alipay, micro-letter, Bank of China etc. in mobile phone to pay application simultaneously, and user habit ground uses Alipay to pay, and selects so want to carry out active to payment application.Then when user carries out NFC delivery operation, a window is ejected at mobile phone interface, for inquiring the account that user needs the application of the payment for paying corresponding, thus user can pay application account from these and selects the application required for user to pay, as Alipay.
Alternatively, in other possible embodiments of the present invention, if detect, the payment in terminal is applied as one, then do not need user to select, and directly utilizes this payment to apply and pays.
S205, basis are preset disbursement account and are generated default disbursement account information and be saved to embedded security module.
Alternatively, in possible embodiments more of the present invention, the default disbursement account selected according to user generates disbursement account information and when being saved to ESE module, the AID routing iinformation given tacit consent to is generated according to the default disbursement account that user selects, the payment of being installed in the terminal by the selection of AID routing iinformation is again applied, thus again according to disbursement account and the default information such as payment account and password of payment cipher generation of the user in respective pay application.
Illustrate, in possible embodiments more of the present invention, if be provided with Alipay, micro-letter, Bank of China etc. in mobile phone to pay application simultaneously, and user habit ground uses Alipay to pay, and selects so need to carry out active to payment application.Then when user carries out NFC delivery operation, eject a window at mobile phone interface, for inquiring the account that user needs the application of the payment for paying corresponding, thus user can pay application account from these and selects the application required for user to pay.If now user have selected the account of Alipay application, then SmartCardService generates AID routing iinformation by according to selected disbursement account, Alipay is found to apply according to this routing iinformation again, the account of Alipay and password is used to generate the information such as disbursement account and password according to user again, and by this AID routing iinformation, the account information such as disbursement account and password is saved in embedded security module, when subsequent user reuses NFC mobile payment, the disbursement account information be kept in ESE module then can be directly used to carry out NFC payment, because this modes of payments corresponding to disbursement account information also namely user need according to oneself selected by, thus the setting achieved the default modes of payments.
Alternatively, in possible embodiments more of the present invention, choose the disbursement account of acquiescence user after and after disbursement account information is saved to ESE module, payment corresponding to this account can be used when next time pays to apply and to pay.
Alternatively, in other possible embodiments of the present invention, choose the disbursement account of acquiescence user after and after disbursement account information is saved to ESE module, when wanting that if pay next time changing payment application pays, by disbursement account information deletion original in this ESE module, thus can reset default disbursement account.
If preserve default disbursement account information in the embedded security module of S206, then read from embedded security module and preset disbursement account information.
Be appreciated that, if preserve default disbursement account information in the ESE module in terminal, then this disbursement account information can be thought the disbursement account information of the payment application correspondence that user initiatively selects, thus this disbursement account information can be utilized to carry out mobile payment.
Alternatively, in other possible embodiments of the present invention, if user wants to change the modes of payments, then can delete the default disbursement account information in ESE module, thus again the default modes of payments be arranged.
Illustrate, in possible embodiments more of the present invention, if be provided with multiple modes of payments such as Alipay, the payment of micro-letter, Bank of China in mobile phone, when user utilizes NFC to carry out mobile payment, if the disbursement account information that the Alipay application arranged before preserving user in the ESE module in mobile phone is corresponding, then directly can read this disbursement account information and pay.
Further, if user changes pay custom, when utilizing micro-letter to pay, then can delete the disbursement account information of preserving in ESE module, re-using above-mentioned steps selects disbursement account to arrange default disbursement account information by user, thus resets the modes of payments that user commonly uses.
S207, utilization are preset disbursement account information and are carried out payment transaction.
Wherein, namely utilize described default disbursement account information to carry out mobile payment is utilize the disbursement account of payment application corresponding to AID routing iinformation in default disbursement account information and this payment application and password to carry out payment transaction.
Be appreciated that, if originally do not preserve default disbursement account information in ESE module, after choosing default disbursement account by user, the disbursement account information that this disbursement account then can be utilized to generate pays, or utilize the default disbursement account information of preserving in ESE module to pay, two kinds of modes can be thought the modes of payments that user initiatively selects to facilitate the delivery operation that user is follow-up.
Can find out, in the scheme of the present embodiment, when terminal carries out mobile payment, if the payment application of installing in terminal is greater than one, then judge whether the embedded security module in terminal preserves default disbursement account information, preset disbursement account information if do not preserve in embedded security module, then terminal sends disbursement account selection prompting and selects default disbursement account for user, and default disbursement account user selected generates default disbursement account information and is saved in embedded security module.Thus the payment that can realize installing in the terminal application is when being greater than one, user initiatively selects a payment oneself commonly used to apply to pay, make the operation of mobile payment more flexible.
The embodiment of the present invention also provides a kind of mobile terminal, and this mobile terminal comprises:
Judge module, for when terminal carries out mobile payment, if the payment application of installing in described terminal is greater than one, then judge whether the embedded security module in described terminal preserves default disbursement account information, described default disbursement account information is pay with in described terminal the information applying corresponding disbursement account;
Reminding module, if preset disbursement account information for not preserving in described embedded security module, then sends disbursement account and selects prompting to make user select default disbursement account;
Preserve module, preset disbursement account information for generating according to described default disbursement account and be saved to embedded security module.
Concrete, refer to Fig. 3, Fig. 3 is the structural representation of a kind of mobile terminal that third embodiment of the invention provides, and wherein, as shown in Figure 3, a kind of mobile terminal 300 that third embodiment of the invention provides can comprise:
Judge module 310, reminding module 320 and preservation module 330.
Wherein, judge module 310, for when terminal carries out mobile payment, if the payment application of installing in described terminal is greater than one, then judge whether the embedded security module in described terminal preserves default disbursement account information, described default disbursement account information is pay with in described terminal the information applying corresponding disbursement account.
Wherein, terminal refers to the mobile intelligent terminal with NFC payment module, and can install on the terminal and pay application, this terminal can be the intelligent terminals such as mobile phone, panel computer, wearable device, thus when terminal utilizes NFC to carry out mobile payment, the payment application that this terminal can be utilized to install on the terminal pays.
Alternatively, in possible embodiments more of the present invention, the payment application of installing on the terminal can be Alipay, micro-letter pays application, wing payment etc. and pays and apply, usually, the payment of installing on the terminal apply quantity be greater than one.
Alternatively, at possible embodiments more of the present invention, smart card service system (SmartCardService) is installed in this mobile intelligent terminal, may be used for carrying out operational administrative to the function relevant to mobile payment in intelligent terminal.
Wherein, disbursement account information is the information of the disbursement account installing an application correspondence in payment application in the terminal, application identities (applicationidentifier is called for short AID) routing iinformation, payment account can be comprised and pay the information such as key.Preset disbursement account information and refer to that terminal presets the information of the disbursement account of agreement, in embodiments of the present invention, preset disbursement account information can pay the disbursement account of application correspondence information for of being installed in terminal.
Wherein, embedded security module (EmbedSecurityElements is called for short ESE module) refers in terminal the data storage areas with higher security permission, thus this region can be utilized to deposit some high security data.In embodiments of the present invention, the disbursement account information paying application corresponding is stored in embedded security module.
Illustrate, in possible embodiments more of the present invention, after the NFC module that the electromagnetic field of the POS transmission 13.56MHz with 13.56MHz transmission frequency Activates Phone, thus user utilizes mobile phone to carry out NFC mobile payment, if installed multiple payment application in mobile phone, comprise " Alipay " and " Bank of China " etc. and pay application, now in order to realize user initiatively to the selection paying application, detect the payment in mobile phone application have be greater than one time, first SmartCardService judges whether there is default disbursement account information in the ESE module of mobile phone.
Alternatively, in other possible embodiments of the present invention, if detect, the payment in terminal is applied as one, directly utilizes this payment to apply and pays.
Reminding module 320, if preset disbursement account information for not preserving in described embedded security module, then sends disbursement account and selects prompting to make user select default disbursement account.
Alternatively, in possible embodiments more of the present invention, if do not preserve in embedded security module and preset disbursement account information, then illustrate now still to use to apply with the payment of operator binding and pay, and this payment application payment that also non-user is independently selected is applied, so in order to allow user pay application from main separation thus be convenient to the ensuing delivery operation of user, then terminal interface eject a selection window for user terminal in select to need to carry out the disbursement account of delivery operation in disbursement account corresponding to the payment application of installing.
Alternatively, in other possible embodiments of the present invention, also can select default disbursement account by other mode for user, such as, user can select with voice, or can preset disbursement account with arranging user's predetermined registration operation corresponding selection on a terminal screen.
Illustrate, in possible embodiments more of the present invention, if be provided with Alipay, micro-letter, Bank of China etc. in mobile phone to pay application simultaneously, and user habit ground uses Alipay to pay, and selects so want to carry out active to payment application.Then when user carries out NFC delivery operation, a window is ejected at mobile phone interface, for inquiring the account that user needs the application of the payment for paying corresponding, thus user can pay application account from these and selects the application required for user to pay, as Alipay.
Alternatively, in other possible embodiments of the present invention, if detect, the payment in terminal is applied as one, then do not need user to select, and directly utilizes this payment to apply and pays.
Preserve module 330, preset disbursement account information for generating according to described default disbursement account and be saved to embedded security module.
Alternatively, in possible embodiments more of the present invention, the default disbursement account selected according to user generates disbursement account information and when being saved to ESE module, the AID routing iinformation given tacit consent to is generated according to the default disbursement account that user selects, the payment of being installed in the terminal by the selection of AID routing iinformation is again applied, thus again according to disbursement account and the default information such as payment account and password of payment cipher generation of the user in respective pay application.
Illustrate, in possible embodiments more of the present invention, if be provided with Alipay, micro-letter, Bank of China etc. in mobile phone to pay application simultaneously, and user habit ground uses Alipay to pay, and selects so need to carry out active to payment application.Then when user carries out NFC delivery operation, eject a window at mobile phone interface, for inquiring the account that user needs the application of the payment for paying corresponding, thus user can pay application account from these and selects the application required for user to pay.If now user have selected the account of Alipay application, then SmartCardService generates AID routing iinformation by according to selected disbursement account, Alipay is found to apply according to this routing iinformation again, the account of Alipay and password is used to generate the information such as disbursement account and password according to user again, and by this AID routing iinformation, the account information such as disbursement account and password is saved in embedded security module, when subsequent user reuses NFC mobile payment, the disbursement account information be kept in ESE module then can be directly used to carry out NFC payment, because this modes of payments corresponding to disbursement account information also namely user need according to oneself selected by, thus the setting achieved the default modes of payments.
Alternatively, in possible embodiments more of the present invention, choose the disbursement account of acquiescence user after and after disbursement account information is saved to ESE module, payment corresponding to this account can be used when next time pays to apply and to pay.
Alternatively, in other possible embodiments of the present invention, choose the disbursement account of acquiescence user after and after disbursement account information is saved to ESE module, when wanting that if pay next time changing payment application pays, by disbursement account information deletion original in this ESE module, thus can reset default disbursement account.
Be understandable that, the function of each functional module of the mobile terminal 300 of the present embodiment can according to the method specific implementation in said method embodiment, and its specific implementation process with reference to the associated description of said method embodiment, can repeat no more herein.
Can find out, in the scheme of the present embodiment, when mobile terminal 300 carries out mobile payment, if the payment application of installing in mobile terminal 300 is greater than one, then judge whether the embedded security module in mobile terminal 300 preserves default disbursement account information, if do not preserve in embedded security module and preset disbursement account information, then mobile terminal 300 sends disbursement account selection prompting and selects default disbursement account for user, and default disbursement account user selected generates default disbursement account information and is saved in embedded security module.Thus the payment that can realize installing in the terminal application is when being greater than one, user initiatively selects a payment oneself commonly used to apply to pay, make the operation of mobile payment more flexible.
Refer to Fig. 4, Fig. 4 is the structural representation of the exhibiting device of a kind of result that fourth embodiment of the invention provides, and wherein, as shown in Figure 4, a kind of mobile terminal 400 that fourth embodiment of the invention provides can comprise:
Judge module 410, reminding module 420 and preservation module 430.
Wherein, judge module 410, reminding module 420 with preserve partial function and the judge module 310 that third embodiment of the invention provides of module 430, reminding module 320 is the same with the function of preserving module 330, the function identical with third embodiment of the invention does not repeat them here, in addition, the mobile terminal 400 of fourth embodiment of the invention is supplementary to some extent on the basis of the mobile terminal 300 of third embodiment of the invention, and details are as follows.
Alternatively, in possible embodiments more of the present invention, described mobile terminal 400 also comprises:
Read module 440, if for preserving default disbursement account information in described embedded security module, then reads described default disbursement account information from described embedded security module.
Be appreciated that, if preserve default disbursement account information in the ESE module in terminal, then this disbursement account information can be thought the disbursement account information of the payment application correspondence that user initiatively selects, thus this disbursement account information can be utilized to carry out mobile payment.
Alternatively, in other possible embodiments of the present invention, if user wants to change the modes of payments, then can delete the default disbursement account information in ESE module, thus again the default modes of payments be arranged.
Illustrate, in possible embodiments more of the present invention, if be provided with multiple modes of payments such as Alipay, the payment of micro-letter, Bank of China in mobile phone, when user utilizes NFC to carry out mobile payment, if the disbursement account information that the Alipay application arranged before preserving user in the ESE module in mobile phone is corresponding, then directly can read this disbursement account information and pay.
Further, if user changes pay custom, when utilizing micro-letter to pay, then can delete the disbursement account information of preserving in ESE module, re-using above-mentioned steps selects disbursement account to arrange default disbursement account information by user, thus resets the modes of payments that user commonly uses.
Alternatively, in possible embodiments more of the present invention, described mobile terminal 400 also comprises:
Transaction modules 450, carries out payment transaction for utilizing described default disbursement account information.
Wherein, namely utilize described default disbursement account information to carry out mobile payment is utilize the disbursement account of payment application corresponding to AID routing iinformation in default disbursement account information and this payment application and password to carry out payment transaction.
Be appreciated that, if originally do not preserve default disbursement account information in ESE module, after choosing default disbursement account by user, the disbursement account information that this disbursement account then can be utilized to generate pays, or utilize the default disbursement account information of preserving in ESE module to pay, two kinds of modes can be thought the modes of payments that user initiatively selects to facilitate the delivery operation that user is follow-up.
Alternatively, in possible embodiments more of the present invention, described mobile terminal 400 also comprises:
Receiver module 460, for receiving the activation instruction of close range wireless communication payment module;
Active module 470, for activating described close range wireless communication payment module according to described activation instruction.
Wherein, activation instruction refers to and is moved the point-of-sale terminal of payment transaction when needs and intelligent terminal carry out payment transaction, to the instruction for activating the mobile payment module paid in intelligent terminal that intelligent terminal sends by POS etc. and intelligent terminal.
Alternatively, in possible embodiments more of the present invention, this activation instruction can for comprising the activation instruction of a 13.56MHz frequency, thus can NFC payment module in activated terminals.Such as, automatic vending machine can send the activation instruction for the NFC module in Activating Phone of 13.56MHz.
Be appreciated that when mobile terminal terminal carries out payment transaction, first need the mobile payment module activated by the point-of-sale terminal such as POS in mobile terminal, then carry out ensuingly carrying out the step such as selecting to transaction account.
Alternatively, in other possible embodiments of the present invention, described disbursement account information comprises:
Application identities routing iinformation, payment account and payment cipher.
Be appreciated that utilizing AID routing iinformation to find is routed to corresponding payment in application, thus recycling payment account and password carry out mobile payment.
Illustrate, if when selecting Alipay application to carry out payment transaction, then first need the Alipay application identities routing iinformation in ESE module to be routed to Alipay application, the Alipay account number and the password that recycle this cellphone subscriber have carried out payment transaction.
Alternatively, in other possible embodiments of the present invention, disbursement account information can also comprise other and pay relevant information, such as account balance and payment transaction history etc.
Be understandable that, the function of each functional module of the mobile terminal 300 of the present embodiment can according to the method specific implementation in said method embodiment, and its specific implementation process with reference to the associated description of said method embodiment, can repeat no more herein.
Can find out, in the scheme of the present embodiment, when mobile terminal 300 carries out mobile payment, if the payment application of installing in mobile terminal 300 is greater than one, then judge whether the embedded security module in mobile terminal 300 preserves default disbursement account information, if do not preserve in embedded security module and preset disbursement account information, then mobile terminal 300 sends disbursement account selection prompting and selects default disbursement account for user, and default disbursement account user selected generates default disbursement account information and is saved in embedded security module.Thus the payment that can realize installing in the terminal application is when being greater than one, user initiatively selects a payment oneself commonly used to apply to pay, make the operation of mobile payment more flexible.
It is the structural representation of the exhibiting device of a kind of result that fifth embodiment of the invention provides see Fig. 5, Fig. 5.As shown in Figure 5, a kind of exhibiting device 500 of result that fifth embodiment of the invention provides can comprise: at least one bus 501, at least one processor 502 be connected with bus and at least one storer 503 be connected with bus.
Wherein, processor 502 is by bus 501, call the code of storage in storer 503 for when terminal carries out mobile payment, if the payment application of installing in described terminal is greater than one, then judge whether the embedded security module in described terminal preserves default disbursement account information, described default disbursement account information is pay with in described terminal the information applying corresponding disbursement account; If do not preserve in described embedded security module and preset disbursement account information, then send disbursement account and select prompting to make user select default disbursement account; Generate according to described default disbursement account and preset disbursement account information and be saved to embedded security module.
Wherein, terminal refers to the mobile intelligent terminal with NFC payment module, and can install on the terminal and pay application, this terminal can be the intelligent terminals such as mobile phone, panel computer, wearable device, thus when terminal utilizes NFC to carry out mobile payment, the payment application that this terminal can be utilized to install on the terminal pays.
Wherein, disbursement account information is the information of the disbursement account installing an application correspondence in payment application in the terminal, application identities (applicationidentifier is called for short AID) routing iinformation, payment account can be comprised and pay the information such as key.Preset disbursement account information and refer to that terminal presets the information of the disbursement account of agreement, in embodiments of the present invention, preset disbursement account information can pay the disbursement account of application correspondence information for of being installed in terminal.
Wherein, embedded security module (EmbedSecurityElements is called for short ESE module) refers in terminal the data storage areas with higher security permission, thus this region can be utilized to deposit some high security data.In embodiments of the present invention, the disbursement account information paying application corresponding is stored in embedded security module.
Alternatively, in possible embodiments more of the present invention, described processor 502 also for:
If preserve default disbursement account information in described embedded security module, then from described embedded security module, read described default disbursement account information.
Alternatively, in possible embodiments more of the present invention, described processor 502 generates according to described default disbursement account and presets disbursement account information and after reading described default disbursement account information after being saved to embedded security module or from described embedded security module, described processor 502 also for:
Described default disbursement account information is utilized to carry out payment transaction.
Wherein, namely utilize described default disbursement account information to carry out mobile payment is utilize the disbursement account of payment application corresponding to AID routing iinformation in default disbursement account information and this payment application and password to carry out payment transaction.
Alternatively, in possible embodiments more of the present invention, described processor 502 before terminal carries out mobile payment, described processor 502 also for:
Receive the activation instruction of close range wireless communication payment module;
Described close range wireless communication payment module is activated according to described activation instruction.
Wherein, activation instruction refers to and is moved the point-of-sale terminal of payment transaction when needs and intelligent terminal carry out payment transaction, to the instruction for activating the mobile payment module paid in intelligent terminal that intelligent terminal sends by POS etc. and intelligent terminal.
Alternatively, in other possible embodiments of the present invention, described disbursement account information comprises:
Application identities routing iinformation, payment account and payment cipher.
Be understandable that, the function of each functional module of the mobile terminal 300 of the present embodiment can according to the method specific implementation in said method embodiment, and its specific implementation process with reference to the associated description of said method embodiment, can repeat no more herein.
Can find out, in the scheme of the present embodiment, when mobile terminal 300 carries out mobile payment, if the payment application of installing in mobile terminal 300 is greater than one, then judge whether the embedded security module in mobile terminal 300 preserves default disbursement account information, if do not preserve in embedded security module and preset disbursement account information, then mobile terminal 300 sends disbursement account selection prompting and selects default disbursement account for user, and default disbursement account user selected generates default disbursement account information and is saved in embedded security module.Thus the payment that can realize installing in the terminal application is when being greater than one, user initiatively selects a payment oneself commonly used to apply to pay, make the operation of mobile payment more flexible.
The embodiment of the present invention also provides a kind of computer-readable storage medium, and wherein, this computer-readable storage medium can have program stored therein, and comprises the part or all of step of the system of selection of any payment application recorded in said method embodiment when this program performs.
It should be noted that, for aforesaid each embodiment of the method, in order to simple description, therefore it is all expressed as a series of combination of actions, but those skilled in the art should know, the present invention is not by the restriction of described sequence of movement, because according to the present invention, some step can adopt other orders or carry out simultaneously.Secondly, those skilled in the art also should know, the embodiment described in instructions all belongs to preferred embodiment, and involved action and module might not be that the present invention is necessary.
In the above-described embodiments, the description of each embodiment is all emphasized particularly on different fields, in certain embodiment, there is no the part described in detail, can see the associated description of other embodiments.
In several embodiments that the application provides, should be understood that, disclosed device, the mode by other realizes.Such as, device embodiment described above is only schematic, the such as division of described unit, be only a kind of logic function to divide, actual can have other dividing mode when realizing, such as multiple unit or assembly can in conjunction with or another system can be integrated into, or some features can be ignored, or do not perform.Another point, shown or discussed coupling each other or direct-coupling or communication connection can be by some interfaces, and the indirect coupling of device or unit or communication connection can be electrical or other form.
The described unit illustrated as separating component or can may not be and physically separates, and the parts as unit display can be or may not be physical location, namely can be positioned at a place, or also can be distributed in multiple network element.Some or all of unit wherein can be selected according to the actual needs to realize the object of the present embodiment scheme.
In addition, each functional unit in various embodiments of the present invention can be integrated in a processing unit, also can be that the independent physics of unit exists, also can two or more unit in a unit integrated.Above-mentioned integrated unit both can adopt the form of hardware to realize, and the form of SFU software functional unit also can be adopted to realize.
If described integrated unit using the form of SFU software functional unit realize and as independently production marketing or use time, can be stored in a computer read/write memory medium.Based on such understanding, the part that technical scheme of the present invention contributes to prior art in essence in other words or all or part of of this technical scheme can embody with the form of software product, this computer software product is stored in a storage medium, comprises all or part of step of some instructions in order to make a computer equipment (can be personal computer, server or the network equipment etc.) perform method described in each embodiment of the present invention.And aforesaid storage medium comprises: USB flash disk, ROM (read-only memory) (ROM, Read-OnlyMemory), random access memory (RAM, RandomAccessMemory), portable hard drive, magnetic disc or CD etc. various can be program code stored medium.
The above, above embodiment only in order to technical scheme of the present invention to be described, is not intended to limit; Although with reference to previous embodiment to invention has been detailed description, those of ordinary skill in the art is to be understood that: it still can be modified to the technical scheme described in foregoing embodiments, or carries out equivalent replacement to wherein portion of techniques feature; And these amendments or replacement, do not make the essence of appropriate technical solution depart from the scope of various embodiments of the present invention technical scheme.
Claims (10)
1. pay a system of selection for application, it is characterized in that, described method comprises:
When terminal carries out mobile payment, if the payment application of installing in described terminal is greater than one, then judge whether the embedded security module in described terminal preserves default disbursement account information, described default disbursement account information is pay with in described terminal the information applying corresponding disbursement account;
If do not preserve in described embedded security module and preset disbursement account information, then send disbursement account and select prompting to make user select default disbursement account;
Generate according to described default disbursement account and preset disbursement account information and be saved to embedded security module.
2. method according to claim 1, it is characterized in that, described method also comprises:
If preserve default disbursement account information in described embedded security module, then from described embedded security module, read described default disbursement account information.
3. method according to claim 1 and 2, it is characterized in that, described generation according to described default disbursement account presets disbursement account information and after reading described default disbursement account information after being saved to embedded security module or from described embedded security module, described method also comprises:
Described default disbursement account information is utilized to carry out payment transaction.
4. method according to claim 3, is characterized in that, described before terminal carries out mobile payment, described method also comprises:
Receive the activation instruction of close range wireless communication payment module;
Described close range wireless communication payment module is activated according to described activation instruction.
5. method according to claim 4, is characterized in that, described disbursement account information comprises:
Application identities routing iinformation, payment account and payment cipher.
6. a mobile terminal, is characterized in that, described mobile terminal comprises:
Judge module, for when terminal carries out mobile payment, if the payment application of installing in described terminal is greater than one, then judge whether the embedded security module in described terminal preserves default disbursement account information, described default disbursement account information is pay with in described terminal the information applying corresponding disbursement account;
Reminding module, if preset disbursement account information for not preserving in described embedded security module, then sends disbursement account and selects prompting to make user select default disbursement account;
Preserve module, preset disbursement account information for generating according to described default disbursement account and be saved to embedded security module.
7. mobile terminal according to claim 6, is characterized in that, described mobile terminal also comprises:
Read module, if for preserving default disbursement account information in described embedded security module, then reads described default disbursement account information from described embedded security module.
8. the mobile terminal according to claim 6 or 7, is characterized in that, described mobile terminal also comprises:
Transaction modules, carries out payment transaction for utilizing described default disbursement account information.
9. mobile terminal according to claim 8, is characterized in that, described mobile terminal also comprises:
Receiver module, for receiving the activation instruction of close range wireless communication payment module;
Active module, for activating described close range wireless communication payment module according to described activation instruction.
10. mobile terminal according to claim 9, is characterized in that, described disbursement account information comprises:
Application identities routing iinformation, payment account and payment cipher.
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