CN105405009A - Payment mode selection method and mobile terminal - Google Patents

Payment mode selection method and mobile terminal Download PDF

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Publication number
CN105405009A
CN105405009A CN201510718356.3A CN201510718356A CN105405009A CN 105405009 A CN105405009 A CN 105405009A CN 201510718356 A CN201510718356 A CN 201510718356A CN 105405009 A CN105405009 A CN 105405009A
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CN
China
Prior art keywords
module
disbursement account
default
account information
payment
Prior art date
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Pending
Application number
CN201510718356.3A
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Chinese (zh)
Inventor
翁箭峰
阙金伟
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Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
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Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
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Priority to CN201510718356.3A priority Critical patent/CN105405009A/en
Publication of CN105405009A publication Critical patent/CN105405009A/en
Pending legal-status Critical Current

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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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices

Abstract

The embodiment of the invention discloses a payment mode selection method and a mobile terminal. The payment mode selection method comprises steps: if the number of activated mobile payment models in a terminal is detected to be more than one, whether default payment account information is stored in an embedded safety module is judged, wherein the default payment account information is the information of a payment account corresponding to one module in the mobile payment models; if the default payment account information is not stored in the embedded safety module, a payment mode selection prompt is given to enable the user to select a default payment account; and according to the default payment account selected by the user, default payment account information is generated and stored in the embedded safety module. Thus, when the number of the activated payment models is more than one, the user actively selects one payment module for payment, correct transaction logic can be ensured, smooth transaction can be carried out, and active selectivity on the payment accounts by the user during the transaction process is stronger.

Description

A kind of system of selection of the modes of payments and mobile terminal
Technical field
The present invention relates to the communications field, be specifically related to a kind of system of selection and mobile terminal of the modes of payments.
Background technology
Mobile payment refers to that user uses the Mobile payment terminals such as mobile phone to carry out a kind of mode of account payment to consumed commodity or service, user directly or indirectly sends payment instruction to bank finance mechanism by mobile device, internet or Proximity Sensor and produces the behavior of currency Zhi Fuyu capital transfer, thus realizes mobile payment function.The main mobile payment technology used is divided in the world at present: near field communication (NFC) (NearFieldCommunication, be called for short NFC) and Mobile phone card card-reading system (SubscriberIdentityModulePASS is called for short SIMPASS) etc.
The frequency of the communication port that different payment technologies uses when paying is different, such as SIMPASS technology is 2.4GHz and NFC technique is 13.56MHz, thus when being configured with multiple mobile payment technology in the communication terminals such as mobile phone simultaneously, payment transaction will be caused chaotic.Such as when being configured with SIMPASS and NFC payment module in mobile phone simultaneously, mobile phone and point-of-sale terminal (pointofsale is utilized user, be called for short POS) carry out in the process of mobile payment transaction, the POS having the dual probe of 2.4GHz and 13.56MHz will send the electromagnetic field of these two frequencies simultaneously, thus SIMPASS and the NFC payment module in simultaneously Activating Phone, and at present, in these two payment module, correspondingly do not select the scheme that a payment module carries out paying, thus cause logical transaction to be made mistakes, Fail Transaction.
Summary of the invention
Embodiments provide a kind of system of selection and mobile terminal of the modes of payments, to payment module is corresponding in optional m igration terminal disbursement account mobile payment transaction can be carried out, ensure logical transaction, transaction is carried out smoothly.
Embodiment of the present invention first aspect provides a kind of system of selection of the modes of payments, comprising:
The mobile payment module be activated in terminal if detect is greater than one, then judge whether preserve default disbursement account information in embedded security module, described default disbursement account information is the information of disbursement account corresponding to a module in described mobile payment module;
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 default disbursement account information according to the default disbursement account that described user selects and be saved in described embedded security module.
Embodiment of the present invention second aspect provides a kind of mobile terminal, comprising:
Judge module, if for detecting that the mobile payment module be activated in terminal is greater than one, then judge whether preserve default disbursement account information in embedded security module, described default disbursement account information is the information of disbursement account corresponding to a module in described mobile payment module;
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, the default disbursement account for selecting according to described user generates to be preset disbursement account information and is saved in described embedded security module.
Can find out, in the technical scheme that the embodiment of the present invention provides, when the mobile payment module that terminal is activated is greater than one, judge in embedded security module, whether to preserve default disbursement account information, if do not preserve in embedded security module and preset disbursement account information, then send disbursement account selection prompting and select default disbursement account for user, and the default disbursement account information of default disbursement account generation user selected is saved in embedded security module.Thus can realize when the payment module be activated is greater than one, user initiatively selects a payment module to pay, and guarantees correct logical transaction, and transaction is carried out smoothly, and the active selectivity of user to disbursement account in process of exchange also can be made stronger.
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 the schematic flow sheet of the system of selection of a kind of modes of payments that first embodiment of the invention provides;
Fig. 2 is the schematic flow sheet of the system of selection of a kind of modes of payments 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 mobile terminal of the modes of payments, to payment module is corresponding in optional m igration terminal disbursement account mobile payment transaction can be carried out, ensure logical transaction, transaction is carried out smoothly.
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.
The system of selection of a kind of modes of payments of the embodiment of the present invention, a kind of system of selection of the modes of payments comprises: the mobile payment module be activated in terminal if detect is greater than one, then judge whether preserve default disbursement account information in embedded security module, described default disbursement account information is the information of disbursement account corresponding to a module in described mobile payment module; 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 default disbursement account information according to the default disbursement account that described user selects and be saved in described embedded security module.
First be the schematic flow sheet of the system of selection of a kind of modes of payments that first embodiment of the invention provides see Fig. 1, Fig. 1.Wherein, as shown in Figure 1, a kind of system of selection of the modes of payments that first embodiment of the invention provides can comprise:
If S101 detects that the mobile payment module be activated in terminal is greater than one, then judge whether preserve default disbursement account information in embedded security module, described default disbursement account information is the information of disbursement account corresponding to a module in described mobile payment module.
Wherein, terminal refers to the mobile intelligent terminal with at least one mobile payment module, can be the intelligent terminals such as mobile phone, panel computer, wearable device, thus can configure mobile payment module for mobile payment on these mobile terminals.
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 controlling the operate services relevant to smart card in intelligent terminal.
Wherein, mobile 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, comprise SIMPASS payment module, NFC payment module etc., and each payment module will a corresponding corresponding disbursement account.
Illustrate, in possible embodiments more of the present invention, if the mobile phone of user is double-card dual-standby, wherein one is the SIM card of 2.4GHz, and also namely terminal can utilize the corresponding SIMPASS payment module in mobile phone to carry out mobile payment by this SIM card; Other one is the SIM card of NFC, and also namely mobile phone can utilize the NFC payment module in mobile phone to carry out mobile payment by this SIM card.Wherein, the SIM card of 2.4GHz is generally used for the subway in Shenzhen, bus card-reading system carries out payment transaction; Accordingly, NFC Shenzhen that the SIM card of NFC can be released in Shenzhen for CHINAUNICOM, China Telecom for 2015 leads to business, namely user can use the NFC function of mobile phone to carry out mobile payment consumption, and the SIM card of NFC can also be used for carrying out mobile payment transaction with NFC automatic vending machine etc.
Wherein, disbursement account information is the information of disbursement account corresponding to a module in mobile payment module, can comprise application identities (applicationidentifier is called for short AID) routing iinformation, payment account 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, presetting disbursement account information can the information of a disbursement account in the disbursement account corresponding for the mobile payment module be activated.
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 that mobile payment module is corresponding is stored in embedded security module.
Illustrate, in possible embodiments more of the present invention, when user uses double card double standby mobile phone, and simultaneously the SIM card of 2.4GHz and the SIM card of NFC are housed in mobile phone, thus in mobile phone operable mobile payment account by the disbursement account that has SIMPASS payment module corresponding and disbursement account corresponding to NFC payment module.When user utilizes mobile phone to remove the payment transaction carrying out public transit system, the POS of public transport payment system has the dual probe of 2.4GHz and 13.56MHz, thus the electromagnetic field of 2.4GHz and 13.56MHz will be sent simultaneously, 2.4GHz and NFC Activated Phone two payment module, now SmartCardService will detect that terminal is activated two mobile payment modules, in order to carry out payment transaction smoothly, need to select one from these two payment module and carry out payment transaction, thus SmartCardService is by disbursement account information corresponding for a payment module judging whether to preserve in embedded security module in 2.4GHz and NFC payment module.
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 described embedded security module and preset disbursement account information, illustrate and now do not determine that a payment module is for mobile payment transaction, in order to prevent payment transaction from makeing mistakes, then eject the selection window disbursement account corresponding from activated payment module for user the account selecting to need to carry out paying at terminal interface.
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, when 2.4GHz and NFC payment module during POS Activates Phone simultaneously, if do not preserve in these two disbursement accounts in the ESE module of mobile phone, then eject a window at mobile phone interface, for inquiring that user needs the account for paying, thus user can select one from disbursement account corresponding to these two payment module pays.
S103, the default disbursement account selected according to described user generate and preset disbursement account information and be saved in described 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, select payment module by AID routing iinformation again, thus generate the information such as payment account and password of presetting.
Illustrate, in possible embodiments more of the present invention, when 2.4GHz and NFC payment module during POS Activates Phone simultaneously, if do not preserve in these two disbursement accounts in the ESE module of mobile phone, then eject a window at mobile phone interface, for inquiring that user needs the account for paying, when after the NFC account that user have selected wherein, then illustrate with the disbursement account of NFC mobile payment account for acquiescence, thus generate AID routing iinformation by selected disbursement account, NFC payment module is found again according to this AID routing iinformation, regeneration disbursement account and password, and by this AID routing iinformation, disbursement account and password are saved in embedded security module, follow-up this acquiescence disbursement account information that can utilize carries out mobile payment, thus the setting realized 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, when next time pays, this account can be used 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 to change the modes of payments if pay next time, by the information deletion of the disbursement account in this ESE module, then can reset default disbursement account.
Can find out, in the scheme of the present embodiment, when the mobile payment module that terminal is activated is greater than one, judge in embedded security module, whether to preserve default disbursement account information, if do not preserve in embedded security module and preset disbursement account information, then send disbursement account selection prompting and select default disbursement account for user, and the default disbursement account information of default disbursement account generation user selected is saved in embedded security module.Thus can realize when the payment module be activated is greater than one, user initiatively selects a payment module to pay, and guarantees correct logical transaction, and transaction is carried out smoothly, and the active selectivity of user to disbursement account in process of exchange also can be made stronger.
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 given tacit consent to, thus this disbursement account information can be utilized to carry out mobile payment, also can guarantee to pay and carry out smoothly, and can not logical mistake be caused.
Illustrate, if have SIMPASS payment module and NFC payment module in mobile phone simultaneously, when the POS having 2.4GHz and 13.56MHz activates this two modules simultaneously, when being judged whether to preserve in these two module corresponding accounts in ESE module by the SmartCardService in terminal, if preserve NFC account information in ESE module, then NFC module is used to pay.
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 mobile payment.
Wherein, namely utilize described default disbursement account information to carry out mobile payment is utilize to preset AID routing iinformation is corresponding in disbursement account information payment module and disbursement account and password carries 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, all out can not pay logical problem, logically true in process of guaranteeing payment, pay and carry out smoothly.
Alternatively, in possible embodiments more of the present invention, before the mobile payment module be activated in described sense terminals, described method also comprises:
Receive the activation instruction of mobile payment module;
The mobile payment module corresponding with described activation instruction 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 frequency, thus can a 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.
Alternatively, in other possible embodiments of the present invention, this activation instruction also can for comprising the activation instruction of two and two or more frequency, thus can multiple mobile payment transaction modules in activated terminals, such as, when mobile phone card-brushing mass transit card, bus card-reading system will send the frequency of 2.4GHz and 13.56MHz simultaneously, thus SIMPASS module in can simultaneously Activating Phone and NFC module.
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, the mobile payment module be activated in terminal if detect is one, then utilize this payment module be activated to pay, and do not need user to select disbursement account.
Alternatively, in some possible embodiments that this is bright, described default disbursement account is close range wireless communication disbursement account or Mobile phone card card-reading system disbursement account.
Alternatively, in other possible embodiments that this is bright, described default payment module can also be other mobile payment module in terminal.
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 the schematic flow sheet of the system of selection of a kind of modes of payments that second embodiment of the invention provides, and wherein, as shown in Figure 2, the system of selection of a kind of modes of payments that second embodiment of the invention provides can comprise:
S201, receive activation instruction to mobile payment module.
Wherein, mobile 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, comprise SIMPASS payment module, NFC payment module etc., and each payment module will a corresponding corresponding disbursement account.
Wherein, terminal refers to the mobile intelligent terminal with at least one mobile payment module, can be the intelligent terminals such as mobile phone, panel computer, wearable device, thus can configure mobile payment module for mobile payment on these mobile terminals.
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 controlling the operate services relevant to smart card 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, the mobile payment module corresponding with activation instruction according to activation instruction activation.
Alternatively, in possible embodiments more of the present invention, this activation instruction can for comprising the activation instruction of a frequency, thus can a 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.
Alternatively, in other possible embodiments of the present invention, this activation instruction also can for comprising the activation instruction of two and two or more frequency, thus can multiple mobile payment transaction modules in activated terminals, such as, when mobile phone card-brushing mass transit card, bus card-reading system will send the frequency of 2.4GHz and 13.56MHz simultaneously, thus SIMPASS module in can simultaneously Activating Phone and NFC module.
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.
If S203 detects that the mobile payment module be activated in terminal is greater than one, then judge in embedded security module, whether to preserve default disbursement account information, preset the information that disbursement account information is disbursement account corresponding to a module in mobile payment module.
Illustrate, in possible embodiments more of the present invention, if the mobile phone of user is double-card dual-standby, wherein one is the SIM card of 2.4GHz, and also namely terminal can utilize the corresponding SIMPASS payment module in mobile phone to carry out mobile payment by this SIM card; Other one is the SIM card of NFC, and also namely mobile phone can utilize the NFC payment module in mobile phone to carry out mobile payment by this SIM card.Wherein, the SIM card of 2.4GHz is generally used for the subway in Shenzhen, bus card-reading system carries out payment transaction; Accordingly, NFC Shenzhen that the SIM card of NFC can be released in Shenzhen for CHINAUNICOM, China Telecom for 2015 leads to business, namely user can use the NFC function of mobile phone to carry out mobile payment consumption, and the SIM card of NFC can also be used for carrying out mobile payment transaction with NFC automatic vending machine etc.
Wherein, disbursement account information is the information of disbursement account corresponding to a module in mobile payment module, can comprise application identities (applicationidentifier is called for short AID) routing iinformation, payment account 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, presetting disbursement account information can the information of a disbursement account in the disbursement account corresponding for the mobile payment module be activated.
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 that mobile payment module is corresponding is stored in embedded security module.
Illustrate, in possible embodiments more of the present invention, when user uses double card double standby mobile phone, and simultaneously the SIM card of 2.4GHz and the SIM card of NFC are housed in mobile phone, thus in mobile phone operable mobile payment account by the disbursement account that has SIMPASS payment module corresponding and disbursement account corresponding to NFC payment module.When user utilizes mobile phone to remove the payment transaction carrying out public transit system, the POS of public transport payment system has the dual probe of 2.4GHz and 13.56MHz, thus the electromagnetic field of 2.4GHz and 13.56MHz will be sent simultaneously, 2.4GHz and NFC Activated Phone two payment module, now SmartCardService will detect that terminal is activated two mobile payment modules, in order to carry out payment transaction smoothly, need to select one from these two payment module and carry out payment transaction, thus SmartCardService is by disbursement account information corresponding for a payment module judging whether to preserve in embedded security module in 2.4GHz and NFC payment module.
Alternatively, in some possible embodiments that this is bright, described default disbursement account is close range wireless communication disbursement account or Mobile phone card card-reading system disbursement account.
Alternatively, in other possible embodiments that this is bright, described default payment module can also be other mobile payment module in terminal.
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 described embedded security module and preset disbursement account information, illustrate and now do not determine that a payment module is for mobile payment transaction, in order to prevent payment transaction from makeing mistakes, then eject the selection window disbursement account corresponding from activated payment module for user the account selecting to need to carry out paying at terminal interface.
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, when 2.4GHz and NFC payment module during POS Activates Phone simultaneously, if do not preserve in these two disbursement accounts in the ESE module of mobile phone, then eject a window at mobile phone interface, for inquiring that user needs the account for paying, thus user can select one from disbursement account corresponding to these two payment module pays.
Alternatively, in other possible embodiments of the present invention, the mobile payment module be activated in terminal if detect is one, then utilize this payment module be activated to pay, and do not need user to select disbursement account.
S205, the default disbursement account selected according to user generate and preset disbursement account information and be saved in 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, select payment module by AID routing iinformation again, thus generate the information such as payment account and password of presetting.
Illustrate, in possible embodiments more of the present invention, when 2.4GHz and NFC payment module during POS Activates Phone simultaneously, if do not preserve in these two disbursement accounts in the ESE module of mobile phone, then eject a window at mobile phone interface, for inquiring that user needs the account for paying, when after the NFC account that user have selected wherein, then illustrate with the disbursement account of NFC mobile payment account for acquiescence, thus generate AID routing iinformation by selected disbursement account, NFC payment module is found again according to this AID routing iinformation, regeneration disbursement account and password, and by this AID routing iinformation, disbursement account and password are saved in embedded security module, follow-up this acquiescence disbursement account information that can utilize carries out mobile payment, thus the setting realized 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 is saved to ESE module, when next time pays, this account can be used to pay.
Alternatively, in other possible embodiments of the present invention, choose the disbursement account of acquiescence user after and after disbursement account is saved to ESE module, when wanting to change the modes of payments if pay next time, by the information deletion of the disbursement account in this ESE module, then 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 given tacit consent to, thus this disbursement account information can be utilized to carry out mobile payment, also can guarantee to pay and carry out smoothly, and can not logical mistake be caused.
Illustrate, if have SIMPASS payment module and NFC payment module in mobile phone simultaneously, when the POS having 2.4GHz and 13.56MHz activates this two modules simultaneously, when being judged whether to preserve in these two module corresponding accounts in ESE module by the SmartCardService in terminal, if preserve NFC account information in ESE module, then NFC module is used to pay.
S207, utilization are preset disbursement account information and are carried out mobile payment.
Wherein, namely utilize described default disbursement account information to carry out mobile payment is utilize to preset AID routing iinformation is corresponding in disbursement account information payment module and disbursement account and password carries 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, all out can not pay logical problem, logically true in process of guaranteeing payment, pay and carry out smoothly.
Can find out, in the scheme of the present embodiment, when the mobile payment module that terminal is activated is greater than one, judge in embedded security module, whether to preserve default disbursement account information, if do not preserve in embedded security module and preset disbursement account information, then send disbursement account selection prompting and select default disbursement account for user, and the default disbursement account information of default disbursement account generation user selected is saved in embedded security module.Thus can realize when the payment module be activated is greater than one, user initiatively selects a payment module to pay, and guarantees correct logical transaction, and transaction is carried out smoothly, and the active selectivity of user to disbursement account in process of exchange also can be made stronger.
The embodiment of the present invention also provides a kind of mobile terminal, and this mobile terminal comprises:
Judge module, if for detecting that the mobile payment module be activated in terminal is greater than one, then judge whether preserve default disbursement account information in embedded security module, described default disbursement account information is the information of disbursement account corresponding to a module in described mobile payment module;
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, the default disbursement account for selecting according to described user generates to be preset disbursement account information and is saved in described embedded security module.
Concrete, refer to Fig. 3, Fig. 3 is a kind of mobile terminal structure schematic diagram 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, if for detecting that the mobile payment module be activated in terminal is greater than one, then judge whether preserve default disbursement account information in embedded security module, described default disbursement account information is the information of disbursement account corresponding to a module in described mobile payment module.
Wherein, terminal refers to the mobile intelligent terminal with at least one mobile payment module, can be the intelligent terminals such as mobile phone, panel computer, wearable device, thus can configure mobile payment module for mobile payment on these mobile terminals.
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 controlling the operate services relevant to smart card in intelligent terminal.
Wherein, mobile 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, comprise SIMPASS payment module, NFC payment module etc., and each payment module will a corresponding corresponding disbursement account.
Illustrate, in possible embodiments more of the present invention, if the mobile phone of user is double-card dual-standby, wherein one is the SIM card of 2.4GHz, and also namely terminal can utilize the corresponding SIMPASS payment module in mobile phone to carry out mobile payment by this SIM card; Other one is the SIM card of NFC, and also namely mobile phone can utilize the NFC payment module in mobile phone to carry out mobile payment by this SIM card.Wherein, the SIM card of 2.4GHz is generally used for the subway in Shenzhen, bus card-reading system carries out payment transaction; Accordingly, NFC Shenzhen that the SIM card of NFC can be released in Shenzhen for CHINAUNICOM, China Telecom for 2015 leads to business, namely user can use the NFC function of mobile phone to carry out mobile payment consumption, and the SIM card of NFC can also be used for carrying out mobile payment transaction with NFC automatic vending machine etc.
Wherein, disbursement account information is the information of disbursement account corresponding to a module in mobile payment module, can comprise application identities (applicationidentifier is called for short AID) routing iinformation, payment account 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, presetting disbursement account information can the information of a disbursement account in the disbursement account corresponding for the mobile payment module be activated.
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 that mobile payment module is corresponding is stored in embedded security module.
Illustrate, in possible embodiments more of the present invention, when user uses double card double standby mobile phone, and simultaneously the SIM card of 2.4GHz and the SIM card of NFC are housed in mobile phone, thus in mobile phone operable mobile payment account by the disbursement account that has SIMPASS payment module corresponding and disbursement account corresponding to NFC payment module.When user utilizes mobile phone to remove the payment transaction carrying out public transit system, the POS of public transport payment system has the dual probe of 2.4GHz and 13.56MHz, thus the electromagnetic field of 2.4GHz and 13.56MHz will be sent simultaneously, 2.4GHz and NFC Activated Phone two payment module, now SmartCardService will detect that terminal is activated two mobile payment modules, in order to carry out payment transaction smoothly, need to select one from these two payment module and carry out payment transaction, thus SmartCardService is by disbursement account information corresponding for a payment module judging whether to preserve in embedded security module in 2.4GHz and NFC payment module.
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 described embedded security module and preset disbursement account information, illustrate and now do not determine that a payment module is for mobile payment transaction, in order to prevent payment transaction from makeing mistakes, then eject the selection window disbursement account corresponding from activated payment module for user the account selecting to need to carry out paying at terminal interface.
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, when 2.4GHz and NFC payment module during POS Activates Phone simultaneously, if do not preserve in these two disbursement accounts in the ESE module of mobile phone, then eject a window at mobile phone interface, for inquiring that user needs the account for paying, thus user can select one from disbursement account corresponding to these two payment module pays.
Preserve module 330, the default disbursement account for selecting according to described user generates to be preset disbursement account information and is saved in described 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, select payment module by AID routing iinformation again, thus generate the information such as payment account and password of presetting.
Illustrate, in possible embodiments more of the present invention, when 2.4GHz and NFC payment module during POS Activates Phone simultaneously, if do not preserve in these two disbursement accounts in the ESE module of mobile phone, then eject a window at mobile phone interface, for inquiring that user needs the account for paying, when after the NFC account that user have selected wherein, then illustrate with the disbursement account of NFC mobile payment account for acquiescence, thus generate AID routing iinformation by selected disbursement account, NFC payment module is found again according to this AID routing iinformation, regeneration disbursement account and password, and by this AID routing iinformation, disbursement account and password are saved in embedded security module, follow-up this acquiescence disbursement account information that can utilize carries out mobile payment, thus the setting realized 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 is saved to ESE module, when next time pays, this account can be used to pay.
Alternatively, in other possible embodiments of the present invention, choose the disbursement account of acquiescence user after and after disbursement account is saved to ESE module, when wanting to change the modes of payments if pay next time, by the information deletion of the disbursement account in this ESE module, then 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 the mobile payment module that mobile terminal 300 is activated is greater than one, judge in embedded security module, whether to preserve 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 the default disbursement account information of default disbursement account generation user selected is saved in embedded security module.Thus can realize when the payment module be activated is greater than one, user initiatively selects a payment module to pay, and guarantees correct logical transaction, and transaction is carried out smoothly, and the active selectivity of user to disbursement account in process of exchange also can be made stronger.
Refer to Fig. 4, Fig. 4 is the structural representation of a kind of mobile terminal 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 given tacit consent to, thus this disbursement account information can be utilized to carry out mobile payment, also can guarantee to pay and carry out smoothly, and can not logical mistake be caused.
Illustrate, if have SIMPASS payment module and NFC payment module in mobile phone simultaneously, when the POS having 2.4GHz and 13.56MHz activates this two modules simultaneously, when being judged whether to preserve in these two module corresponding accounts in ESE module by the SmartCardService in terminal, if preserve NFC account information in ESE module, then NFC module is used to pay.
Alternatively, in possible embodiments more of the present invention, described mobile terminal 400 also comprises:
Payment module 450, carries out mobile payment for utilizing described default disbursement account information.
It should be noted that, payment module 450 can obtain default disbursement account information from preservation module 430 when preservation module 430 preserves default disbursement account information carry out mobile payment, and payment module 450 also can obtain default disbursement account information after read module 440 reads default disbursement account information.
Wherein, namely utilize described default disbursement account information to carry out mobile payment is utilize to preset AID routing iinformation is corresponding in disbursement account information payment module and disbursement account and password carries 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, all out can not pay logical problem, logically true in process of guaranteeing payment, pay and carry out smoothly.
Alternatively, in possible embodiments more of the present invention, described mobile terminal 400 also comprises:
Receiver module 460, for receiving the activation instruction to mobile payment module;
Whether active module 470, be greater than one for activating the mobile payment module corresponding with described activation instruction according to described activation instruction to trigger the mobile payment module be activated in judge module 410 sense terminals.
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 frequency, thus can a 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.
Alternatively, in other possible embodiments of the present invention, this activation instruction also can for comprising the activation instruction of two and two or more frequency, thus can multiple mobile payment transaction modules in activated terminals, such as, when mobile phone card-brushing mass transit card, bus card-reading system will send the frequency of 2.4GHz and 13.56MHz simultaneously, thus SIMPASS module in can simultaneously Activating Phone and NFC module.
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, the mobile payment module be activated in terminal if detect is one, then utilize this payment module be activated to pay, and do not need user to select disbursement account.
Alternatively, in some possible embodiments that this is bright, described default disbursement account is close range wireless communication disbursement account or Mobile phone card card-reading system disbursement account.
Alternatively, in other possible embodiments that this is bright, described default payment module can also be other mobile payment module in terminal.
Be understandable that, the function of each functional module of the mobile terminal 400 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 the mobile payment module that mobile terminal 400 is activated is greater than one, judge in embedded security module, whether to preserve default disbursement account information, if do not preserve in embedded security module and preset disbursement account information, then mobile terminal 400 sends disbursement account selection prompting and selects default disbursement account for user, and the default disbursement account information of default disbursement account generation user selected is saved in embedded security module.Thus can realize when the payment module be activated is greater than one, user initiatively selects a payment module to pay, and guarantees correct logical transaction, and transaction is carried out smoothly, and the active selectivity of user to disbursement account in process of exchange also can be made stronger.
See the structural representation that Fig. 5, Fig. 5 are a kind of mobile terminals that fifth embodiment of the invention provides.As shown in Figure 5, a kind of mobile terminal 500 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, the code stored in storer 503 if call is for detecting that the mobile payment module be activated in terminal is greater than one, then judge whether preserve default disbursement account information in embedded security module, described default disbursement account information is the information of disbursement account corresponding to a module in described mobile payment module; 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 default disbursement account information according to the default disbursement account that described user selects and be saved in described embedded security module.
Wherein, terminal refers to the mobile intelligent terminal with at least one mobile payment module, can be the intelligent terminals such as mobile phone, panel computer, wearable device, thus can configure mobile payment module for mobile payment on these mobile terminals.
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 controlling the operate services relevant to smart card in intelligent terminal.
Wherein, mobile 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, comprise SIMPASS payment module, NFC payment module etc., and each payment module will a corresponding corresponding disbursement account.
Wherein, disbursement account information is the information of disbursement account corresponding to a module in mobile payment module, can comprise application identities (applicationidentifier is called for short AID) routing iinformation, payment account 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, presetting disbursement account information can the information of a disbursement account in the disbursement account corresponding for the mobile payment module be activated.
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 that mobile payment module is corresponding is stored in embedded security module.
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 given tacit consent to, thus this disbursement account information can be utilized to carry out mobile payment, also can guarantee to pay and carry out smoothly, and can not logical mistake be caused.
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 mobile payment.
Wherein, namely utilize described default disbursement account information to carry out mobile payment is utilize to preset AID routing iinformation is corresponding in disbursement account information payment module and disbursement account and password carries 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, all out can not pay logical problem, logically true in process of guaranteeing payment, pay and carry out smoothly.
Alternatively, in possible embodiments more of the present invention, before the mobile payment module be activated in described sense terminals, described method also comprises:
Receive the activation instruction of mobile payment module;
The mobile payment module corresponding with described activation instruction 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.
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, the mobile payment module be activated in terminal if detect is one, then utilize this payment module be activated to pay, and do not need user to select disbursement account.
Alternatively, in some possible embodiments that this is bright, described default disbursement account is close range wireless communication disbursement account or Mobile phone card card-reading system disbursement account.
Alternatively, in other possible embodiments that this is bright, described default payment module can also be other mobile payment module in terminal.
Be understandable that, the function of each functional module of the mobile terminal 500 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 the mobile payment module that mobile terminal 500 is activated is greater than one, judge in embedded security module, whether to preserve default disbursement account information, if do not preserve in embedded security module and preset disbursement account information, then mobile terminal 500 sends disbursement account selection prompting and selects default disbursement account for user, and the default disbursement account information of default disbursement account generation user selected is saved in embedded security module.Thus can realize when the payment module be activated is greater than one, user initiatively selects a payment module to pay, and guarantees correct logical transaction, and transaction is carried out smoothly, and the active selectivity of user to disbursement account in process of exchange also can be made stronger.
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 the modes of payments 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. a system of selection for the modes of payments, is characterized in that, described method comprises:
The mobile payment module be activated in terminal if detect is greater than one, then judge whether preserve default disbursement account information in embedded security module, described default disbursement account information is the information of disbursement account corresponding to a module in described mobile payment module;
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 default disbursement account information according to the default disbursement account that described user selects and be saved in described embedded security module.
2. method according to claim 1, 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 mobile payment.
4. method according to claim 3, is characterized in that, before the mobile payment module be activated in described sense terminals, described method also comprises:
Receive the activation instruction to mobile payment module;
The mobile payment module corresponding with described activation instruction is activated according to described activation instruction.
5. method according to claim 4, is characterized in that, described default disbursement account is close range wireless communication disbursement account or Mobile phone card card-reading system disbursement account.
6. a mobile terminal, is characterized in that, described mobile terminal comprises:
Judge module, if for detecting that the mobile payment module be activated in terminal is greater than one, then judge whether preserve default disbursement account information in embedded security module, described default disbursement account information is the information of disbursement account corresponding to a module in described mobile payment module;
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, the default disbursement account for selecting according to described user generates to be preset disbursement account information and is saved in described 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:
Payment module, carries out mobile payment 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 to mobile payment module;
Active module, for activating the mobile payment module corresponding with described activation instruction according to described activation instruction.
10. mobile terminal according to claim 9, is characterized in that, described default disbursement account is close range wireless communication disbursement account or Mobile phone card card-reading system disbursement account.
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CN106022762A (en) * 2016-05-13 2016-10-12 广东欧珀移动通信有限公司 Payment method and terminal
CN106408288A (en) * 2016-08-24 2017-02-15 宇龙计算机通信科技(深圳)有限公司 Data transferring method and apparatus thereof
CN106408288B (en) * 2016-08-24 2020-04-07 宇龙计算机通信科技(深圳)有限公司 Data transfer method and device
WO2019009803A1 (en) 2017-07-03 2019-01-10 Gp Network Asia Pte. Ltd. Processing payments
EP3649596A4 (en) * 2017-07-03 2020-12-09 GP Network Asia Pte. Ltd. Processing payments
CN107705118A (en) * 2017-09-19 2018-02-16 深圳金融电子结算中心有限公司 Transaction payment method, system, server and storage medium based on channel route
WO2019100829A1 (en) * 2017-11-22 2019-05-31 中兴通讯股份有限公司 Routing method for multiple security modules, nfc controller and nfc device
US11115081B2 (en) 2017-11-22 2021-09-07 Zte Corporation Routing method for multiple security elements, NFC controller and NFC device
CN108985753A (en) * 2018-07-05 2018-12-11 四川长虹电器股份有限公司 A method of realizing that subway is swiped the card using iPhone
CN110648131A (en) * 2019-08-27 2020-01-03 Oppo广东移动通信有限公司 Near field communication-based card swiping method and device, electronic equipment and storage medium

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