CN105550868A - Mobile payment method and apparatus - Google Patents
Mobile payment method and apparatus Download PDFInfo
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- CN105550868A CN105550868A CN201510423341.4A CN201510423341A CN105550868A CN 105550868 A CN105550868 A CN 105550868A CN 201510423341 A CN201510423341 A CN 201510423341A CN 105550868 A CN105550868 A CN 105550868A
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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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/351—Virtual cards
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Abstract
The embodiment of the invention discloses a mobile payment method. The method comprises: a mobile payment request of a near field communication (NFC) card reader is received; whether a network state of a current terminal meets a condition of mobile payment processing of a cloud end is queried; if so, a mobile payment service address is determined according to an application identity (AID) in the mobile payment request and the mobile payment request is sent to the mobile payment service address, thereby completing mobile payment; and otherwise, the mobile payment service address is determined to be a secure element (SE) and the mobile payment request is sent to the SE to complete mobile payment. According to the technical scheme provided by the embodiment of the invention, a proper mobile payment service address can be selected adaptively according to a network state of a terminal, thereby solving a problem of failed mobile payment due to poor network situation and thus improving the user experience.
Description
Technical field
The present invention relates to intelligent terminal field, particularly relate to a kind of method and device of mobile payment.
Background technology
Along with the popularization and application of mobile terminal, as the mobile devices such as mobile phone are indispensable in life, the various functions that mobile device adds are also more and more by everybody concern.
The mobile phone of current outfit near-field communication (NFC, NearFieldCommunication) function can complete mobile payment function.
In traditional mobile payment scheme, by security module (SE, SecureElement) mobile payment is completed, because SE is integrated in mobile phone or SIM card usually, user more new cell-phone time, all service needed transfer to new cell-phone again, therefore use SE to carry out the dirigibility of mobile payment process poor.Host card simulation (HCE, HostCardEmulation) solves the restricted problem of embedded in mobile phone SE, and the restriction that the mode that server realizes HCE especially beyond the clouds had both solved SE in turn ensure that the security of mobile payment.There is the mobile payment scheme of the HCE compatibility that SE and cloud server realize at present, but for the host card analog form that cloud server realizes, because need to carry out data transmission between mobile phone and cloud server, if the network coverage of mobile phone and network delay existing problems, just may cause mobile payment failure.
How effectively solving and cause mobile payment failure because network condition is bad, is a problem urgently to be resolved hurrily.
Summary of the invention
The embodiment of the invention discloses a kind of method and device of mobile payment, can when receiving mobile payment request, whether the network state of inquiry present terminal meets the condition of high in the clouds mobile payment process, when the network state of present terminal does not meet the condition of high in the clouds mobile payment process, mobile payment address of service is defined as SE, and mobile payment request is sent to SE, occur the situation of mobile payment failure during to avoid network condition bad, thus the mobile payment improving user is experienced.
Embodiment of the present invention first aspect provides a kind of method of mobile payment, comprising:
Receive the mobile payment request of NFC card reader;
The network state of inquiry present terminal;
Judge whether network state meets the condition of high in the clouds mobile payment process;
If network state meets the condition of high in the clouds mobile payment process, according to the application service mark (AID in mobile payment request, ApplicationIdentity) determine mobile payment address of service, mobile payment request is sent to mobile payment address of service, to complete mobile payment;
If network state does not meet the condition of high in the clouds mobile payment process, determine that mobile payment address of service is security module SE, and send to SE to complete mobile payment mobile payment request.
In conjunction with first aspect, in the implementation that the first is possible, the network state of inquiry present terminal, comprising:
The network opening of inquiry present terminal; Or,
The signal intensity of the network of inquiry present terminal; Or,
The data rate of the network of inquiry present terminal.
In conjunction with the first possible implementation of first aspect and first aspect, in the implementation that the second is possible, judge whether network state meets the condition of high in the clouds mobile payment process, comprising:
Judge whether network is opening, if so, then judge the condition meeting high in the clouds mobile payment process; Or,
Judge whether the signal intensity of network is greater than designated signal strength threshold value, if so, then judge the condition meeting high in the clouds mobile payment process; Or,
Judge whether the data rate of network is greater than assigned rate threshold value, if so, then judge the condition meeting high in the clouds mobile payment process.
In conjunction with first aspect, in the implementation that the third is possible, determine mobile payment address of service according to the AID in mobile payment request, mobile payment request be sent to mobile payment address of service, to complete mobile payment, comprising:
Mobile payment address of service corresponding in the AID in mobile payment request is inquired about in the routing table preset from terminal,
If the mobile payment address of service that AID is corresponding is HCE application program, then determine that mobile payment address of service is HCE application program, mobile payment request is sent to HCE application program, carries out data interaction to complete mobile payment by HCE application program and high in the clouds HCE server.
In conjunction with the third possible implementation of first aspect, in the 4th kind of possible implementation, after inquiring about mobile payment address of service corresponding in the AID in mobile payment request in the routing table preset from terminal, the method also comprises:
If the mobile payment address of service that AID is corresponding is SE, then determines that mobile payment address of service is SE, send to SE to complete mobile payment mobile payment request.
Embodiment of the present invention second aspect provides a kind of terminal device, comprising:
Receiving element, for receiving the mobile payment request of NFC card reader;
Processing unit, for inquiring about the network state of present terminal, judges whether network state meets the condition of high in the clouds mobile payment process;
Processing unit also for, if network state meets the condition of high in the clouds mobile payment process, determine mobile payment address of service according to the AID in the mobile payment request that receiving element receives;
Transmitting element, is sent to mobile payment address of service, to complete mobile payment for the mobile payment request received by receiving element;
Processing unit also for, if network state does not meet the condition of high in the clouds mobile payment process, determine that mobile payment address of service is SE;
Transmitting element also for, send to SE to complete mobile payment mobile payment request.
In conjunction with second aspect, in the implementation that the first is possible, processing unit specifically for:
The network opening of inquiry present terminal; Or,
The signal intensity of the network of inquiry present terminal; Or,
The data rate of the network of inquiry present terminal.
In conjunction with the first possible implementation of second aspect and second aspect, in the implementation that the second is possible, processing unit specifically for:
Judge whether network is opening, if so, then judge the condition meeting high in the clouds mobile payment process; Or,
Judge whether the signal intensity of network is greater than designated signal strength threshold value, if so, then judge the condition meeting high in the clouds mobile payment process; Or,
Judge whether the data rate of network is greater than assigned rate threshold value, if so, then judge the condition meeting high in the clouds mobile payment process.
In conjunction with second aspect, in the implementation that the third is possible, processing unit specifically for:
Mobile payment address of service corresponding in the AID in mobile payment request is inquired about in the routing table preset from terminal,
If the mobile payment address of service that AID is corresponding is HCE application program, determine that mobile payment address of service is HCE application program, mobile payment request is sent to HCE application program, intends HCE server by HCE application program and cloud host machine snap gauge and carry out data interaction to complete mobile payment.
In conjunction with the third possible implementation of second aspect, in the 4th kind of possible implementation, transmitting element also for:
If the mobile payment address of service that AID is corresponding is SE, mobile payment address of service is defined as SE, sends to SE to complete mobile payment mobile payment request.
The technical scheme that the embodiment of the present invention provides can when receiving mobile payment request, whether the network state of inquiry present terminal meets the condition of high in the clouds mobile payment process, when the network state of present terminal does not meet the condition of high in the clouds mobile payment process, mobile payment address of service is set as SE, and mobile payment request is sent to SE; Mobile payment address of service is determined according to the AID in mobile payment request when network condition meets high in the clouds mobile payment treatment conditions.Visible, the technical scheme that the embodiment of the present invention proposes can according to the adaptively selected suitable mobile payment address of service of the network condition of terminal, if mobile network's situation of terminal is poor, the SE be integrated in mobile phone is then used to realize mobile payment function, thus avoid and occur to use HCE application program to carry out the situation of mobile-phone payment failure when terminating mobile network is poor, enhance user's mobile payment and experience.
Accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme in the embodiment of the present invention, be briefly described to the accompanying drawing used required in embodiment 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 a kind of mobile payment that the embodiment of the present invention one provides;
Fig. 2 is the schematic flow sheet of a kind of mobile payment that the embodiment of the present invention two provides;
Fig. 3 is the structural representation of a kind of terminal device that the embodiment of the present invention three provides;
Fig. 4 is the structural representation of the another kind of terminal device that the embodiment of the present invention four provides.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, 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, belong to the scope of protection of the invention.
Below respectively each embodiment is described.
Term " first ", " second ", " the 3rd " and " the 4th " etc. in instructions of the present invention and claims and above-mentioned accompanying drawing are for distinguishing different object, instead of for describing particular order.In addition, term " comprises " and " having " 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 mobile phone being equipped with NFC function can complete mobile payment function.There are two kinds of mobile payment modes: one is hardware based, are called virtual card pattern (VCM, VirtualCardMode); Based on a software, be called as host card pattern (HCM, HostCardMode).
Under VCM pattern, need to provide SE, SE is the individual chips outside mobile phone primary processor, for sensitive information safe storage and trade transactions is provided to the execution environment of a safety.Result to SE, then by SE process, is replied to NFC card reader by non-contact front-end after SE process completes, completes mobile payment by the mobile payment transferring order that receives from NFC card reader by non-contact communication front end.
Under HCM pattern, do not need SE, but the function of SE is completed by the server in the application program run in mobile phone or high in the clouds, now non-contact communication front end receiver to data to be sent to HCE application program in mobile phone by operating system, or complete mobile payment by HCE application application program or send mobile payment request by the HCE server that HCE applies to high in the clouds.Adopt the mobile payment mode of HCE, when NFC card reader sends mobile payment request, also Application Protocol Data Unit (the APDU of " SELECTAID " information is namely sent, ApplicationProtocolDataUnit), time, HCE application program decides to use which HCE service mutual with NFC card reader by AID wherein.
Because SE is integrated in mobile phone or SIM card usually, user more new cell-phone time, all service needed transfer to new cell-phone again, therefore use SE to carry out the dirigibility of mobile payment process poor.HCE technology solves the restricted problem of embedded in mobile phone SE, and the restriction that the mode that server realizes HCE especially beyond the clouds had both solved SE in turn ensure that the security of mobile payment, is a kind of preferably solution.There is the mobile payment scheme of the HCE compatibility that SE and cloud server realize at present, the program is based upon application service mark (AID, on the principle of ApplicationIdentity) route, namely interior of mobile phone preserves a mobile payment routing table, list item is made up of AID and destination address, destination address can be the HCE application program of main frame, also can be SE.When NFC card reader sends the APDU of " SELECTAID " message, non-contact communication front end parses AID wherein and retrieves in the routing table, has during corresponding coupling this APDU is delivered to corresponding destination address in routing table.
Researcher in this field finds, at present for the host card analog form that cloud server realizes, because need to carry out data transmission between mobile phone and cloud server, if the network coverage of mobile phone and network delay existing problems, mobile payment failure may be caused.
Embodiments provide a kind of method and device of mobile payment, can be used for mobile phone, panel computer, notebook computer, palm PC, mobile internet device (MID, etc. mobileinternetdevice) there is mobile payment function, and the intelligent terminal of the mobile payment scheme of the HCE compatibility adopting SE and cloud server to realize.
The schematic flow sheet of the method for a kind of mobile payment first provided for the embodiment of the present invention one see Fig. 1, Fig. 1.Wherein, as shown in Figure 1, a kind of method of mobile payment that the embodiment of the present invention one provides can comprise the following steps:
The mobile payment request of S101, reception NFC card reader.
NFC is a kind of radiotelegraphy of short distance high frequency, is developed by non-contact radio-frequency identification (RFID).NFC frequency of operation is 13.56MHz, and effective range is within 20cm, and its transmission speed has 106Kbit/ second, 212Kbit/ second or 424Kbit/ second three kinds.NFC has 3 kinds of mode of operations: card reader pattern, ad hoc mode, snap gauge simulation models.When card reader pattern, NFC device produces radio-frequency field and reads and writes data from the NFC label of outside employing identical standard.In ad hoc mode, NFC device can communicate with other NFC device, carries out point-to-point data transmission.In snap gauge simulation models, NFC card reader is active devices, and produce radio-frequency field, NFC device is passive equipment, simulates a non-contact card meeting NFC standard and card reader is carried out alternately.
Traditional NFC device mainly comprises untouchable front end CLF (being also NFC controller), antenna, SE tri-critical pieces.Recognition interface, P2P interface, card analog interface is provided, respectively said three kinds of mode of operations above correspondence in CLF.Untouchable front end is also referred to as NFC controller, and for the data transmit-receive between NFC card reader, its function comprises the modulation /demodulation of radiofrequency signal, the protocol processes of contactless communication.Non-contact front-end connects radio-frequency antenna on the one hand, realizes transmission and the reception of 13.56MHz signal, communicates on the other hand with security module.Antenna is integrated in terminal inner, is connected with the non-front end that connects, and realizes transmission and the reception of 13.56MHz radiofrequency signal.
The technical scheme that the embodiment of the present invention proposes is applicable in the mobile payment scheme of traditional VCM and the HCM compatibility in the NFC pattern of snap gauge plan, and mobile terminal, as NFC device, receives mobile payment request from NFC card reader.
The network state of S102, inquiry present terminal.
Terminal from after non-contact front-end receives the mobile payment request of NFC card reader, the network state of inquiry present terminal.Object is in order to judge whether the network state of terminal meets the condition of high in the clouds mobile payment process, mobile payment treatment conditions in high in the clouds can be networks is opening, or the signal intensity of network is greater than designated signal strength threshold value, or the data rate of network is greater than the data rate threshold of specifying.
Therefore, terminal can inquire about active wireless network or whether mobile network is opening, or the signal intensity of inquiry active wireless network or mobile network, or the data rate of inquiry active wireless network or mobile network.If mobile payment treatment conditions in high in the clouds are network data rate reach assigned rate threshold value, then the data rate of terminal inquiry network, example, if current unlatching is Wifi network, terminal inquiry Wifi network data rate; Or, if mobile payment treatment conditions in high in the clouds are network signal intensity reach designated signal strength threshold value, the signal intensity of terminal inquiry network, example, current unlatching be 3G network, the signal intensity of terminal inquiry 3G network.
If the data rate that present terminal inquires network is 0, may be owing to not having data to transmit, can not in this, as real message transmission rate, terminal can attempt sending test pack with test network transfer rate.
S103, judge whether described network state meets the condition of high in the clouds mobile payment process.
When after terminal inquiry to the network state of wireless network or mobile network, judge whether described network state meets the condition of high in the clouds mobile payment process.If mobile payment treatment conditions in high in the clouds are network data rate reach assigned rate threshold value, then judge whether the network data rate inquired reaches assigned rate threshold value, such as, setting assigned rate threshold value is 1Kbps, judges whether the Wifi network rate inquired reaches 1Kbps; Or, if mobile payment treatment conditions in high in the clouds are network signal intensity reach designated signal strength threshold value, then judge whether the network signal intensity inquired reaches assigned rate threshold value, such as, set designated signal strength threshold value as-40dBm, judge whether the signal intensity of the 3G network inquired reaches-40dBm.
If the network state of S104 present terminal meets the condition of high in the clouds mobile payment process, mobile payment address of service is determined according to the AID in described mobile payment request, described mobile payment request is sent to described mobile payment address of service, to complete mobile payment.
If the network state of present terminal meets the condition of high in the clouds mobile payment process, illustrate that network condition is good, terminal can determine payment services address according to the AID in mobile payment request.If the payment services address namely determined by AID is HCE application program, mobile payment request is sent to HCE application program, intends HCE server by HCE application program and cloud host machine snap gauge and carry out data interaction to complete mobile payment by the wireless network of terminal; If the payment services address determined by AID is SE, determines that mobile payment address of service is SE, send to SE to complete mobile payment mobile payment request.
If the network state of S105 present terminal does not meet the condition of high in the clouds mobile payment process, determine that mobile payment address of service is SE, send to SE to complete mobile payment described mobile payment request.
Otherwise because network condition is bad, terminal can not use the HCM of cloud server to carry out mobile payment process, and payment services address is defined as SE by terminal, completes mobile payment process by the SE of terminal built-in.SE is the individual chips outside mobile phone primary processor, and major function realizes paying application and the safe storage of data, externally provides safe computational service, for sensitive information safe storage and trade transactions is provided to the execution environment of a safety.SE is also communicated with exterior read-write equipment by the non-front end that connects, and ensures the security of data storage and process of exchange.Non-contact communication front end by the mobile payment transferring order that receives from NFC card reader to SE, then by SE process, by non-contact front-end, result is replied to NFC card reader after SE process completes, complete mobile payment, this mobile payment process does not need to use wireless network.
The technical scheme that the embodiment of the present invention one provides can when receiving mobile payment request, whether the network state of inquiry present terminal meets the condition of high in the clouds mobile payment process, when the network state of present terminal does not meet the condition of high in the clouds mobile payment process, mobile payment address is defined as SE, determines mobile payment address of service when network condition meets high in the clouds mobile payment treatment conditions according to the AID in described mobile payment request.Visible, the technical scheme that the embodiment of the present invention proposes can according to the adaptively selected suitable mobile payment address of service of the network condition of terminal, if the situation of mobile network of terminal is poor, the SE be integrated in mobile phone is then used to realize mobile payment function, thus avoid and use HCE application program to carry out the situation of mobile-phone payment failure when terminating mobile network is poor, enhance user's mobile payment and experience.
The embodiment two that the embodiment of the present invention proposes provides a kind of method of mobile payment, the schematic flow sheet of the method for a kind of mobile payment provided for the embodiment of the present invention two see Fig. 2, Fig. 2.Wherein, as shown in Figure 2, this method can comprise the following steps:
The mobile payment request of S201, reception NFC card reader.
Traditional NFC device mainly comprises untouchable front end CLF (being also NFC controller), antenna, SE tri-critical pieces.Untouchable front end is also referred to as NFC controller, and for following the data transmit-receive between NFC card reader, its function comprises the modulation /demodulation of radiofrequency signal, the protocol processes of contactless communication.Non-contact front-end connects radio-frequency antenna on the one hand, realizes transmission and the reception of 13.56MHz signal, communicates on the other hand with security module.Antenna is integrated in terminal inner, is connected with the non-front end that connects, and realizes transmission and the reception of 13.56MHz radiofrequency signal.The technical scheme that the embodiment of the present invention proposes is applicable in the mobile payment scheme of traditional VCM and the HCM compatibility in the NFC pattern of snap gauge plan, and mobile terminal, as NFC device, receives mobile payment request from NFC card reader.
The network state of S202, inquiry present terminal.
Specific descriptions about step S202 with reference to the step S102 of above embodiment one, can repeat no more herein.
S203, judge whether described network state meets the condition of high in the clouds mobile payment process.
Specific descriptions about step S203 with reference to the step S103 of above embodiment one, can repeat no more herein.
If the described network state of S204 meets the condition of high in the clouds mobile payment process, in the routing table that terminal is preset, inquire about mobile payment address of service corresponding in the AID in described mobile payment request.
If the network state of present terminal meets the condition of high in the clouds mobile payment process, illustrate that network condition is good, terminal can determine mobile payment address of service according to the AID in mobile payment request.
For the terminal of the mobile payment scheme of existing HCE mode, NFC card reader sends APDU to terminal, and terminal system is transferred relevant HCE process and processed.APDU is defined in ISO/IEC7816-4 specification, and as the protocol package of an application layer, APDU is used to the exchanges data between HCE service and NFC card reader.This application layer protocol is semiduplex, and NFC card reader sends an order APDU to terminal, then waits for handset replies APDU bag.
Adopt the mobile payment mode of HCE, i.e. HCM, with the VCM of traditional deployment SE can be compatible, as long as the software systems of terminal support HCE technology, and terminal disposition SE just can use this compatible scheme.This compatible scheme is based upon AID route in principle, and preserve a routing table in terminal system, this routing table pre-sets, and the list item of routing table is made up of AID and destination address, and destination address both can be HCE application program, also can be SE.When NFC card reader have sent one " SELECTAID " APDU (i.e. mobile payment request) time, NFC controller parses AID wherein and retrieves in the routing table, have in routing table during corresponding coupling and this APDU is delivered to corresponding destination address, and APDU thereafter will deliver to same destination address, until run into the next one " SELECTAID " APDU or disconnecting.If terminal does not retrieve occurrence in the routing table, then usually this APDU it can be delivered to the destination address of acquiescence, from Android4.4 system, the destination address of acquiescence is all HCE application program.
S205, judge the mobile payment address of service that AID is corresponding.
If the mobile payment address of service that the described AID of S206 is corresponding is HCE application program, determine that described mobile payment address of service is HCE application program, described mobile payment request is sent to HCE application program, by HCE application program and high in the clouds HCE server interaction data to complete mobile payment.
If the mobile payment address of service that described AID is corresponding is HCE application program, described mobile payment address of service is defined as HCE application program.Mobile payment request described in terminal is sent to HCE application program, starts high in the clouds HCE and serves, by HCE application program and high in the clouds HCE server interaction data to complete mobile payment.Payment request is sent to high in the clouds by wireless network or mobile network by HCE application program, and the Storage and Processing of sensitive information all beyond the clouds server completes, and security aspect is than directly applying enterprising row relax at HCE and storing high.
Which as noted, after HCE application program receives mobile payment request, decide to use HCE service mutual with NFC card reader by AID wherein.HCE application program extracts No. AID in mobile payment request, sends it to corresponding HCE and serves, and APDU thereafter is sent to that HCE and serves.
S207, described mobile payment address of service is defined as SE, and sends to SE to complete mobile payment described mobile payment request.
When after terminal inquiry current network state, judge whether described network state meets the condition of high in the clouds mobile payment process, if current network state does not meet the condition of high in the clouds mobile payment process, explanation current network conditions is bad, the HCM of cloud server can not be used to carry out mobile payment process, payment services address is defined as SE by terminal, sends to SE to complete mobile payment described mobile payment request.If current network state meets the condition of high in the clouds mobile payment process, terminal inquires about mobile payment address of service corresponding in the AID in described mobile payment request from the routing table preset, if the mobile payment address of service that described AID is corresponding is SE, terminal is also that described mobile payment address of service is defined as SE, and sends to SE to complete mobile payment described mobile payment request.
Visible, the technical scheme that the embodiment of the present invention two provides can when receiving mobile payment request, whether the network state of inquiry present terminal meets the condition of high in the clouds mobile payment process, when the network state of present terminal does not meet the condition of high in the clouds mobile payment process, mobile payment address is defined as SE, determines mobile payment address of service when network condition meets high in the clouds mobile payment treatment conditions according to the AID in described mobile payment request.Visible, the technical scheme that the embodiment of the present invention proposes can according to the adaptively selected suitable mobile payment address of service of the network condition of terminal, if mobile network's situation of terminal is poor, the SE be integrated in mobile phone is then used to realize mobile payment function, thus avoid and use HCE application program to carry out the situation of mobile-phone payment failure when terminating mobile network is poor, enhance user's mobile payment and experience.
The embodiment of the present invention three provides a kind of terminal device, for realizing a kind of method of mobile payment that the present invention proposes.See Fig. 3, described equipment a00 can comprise receiving element a10, processing unit a20 and transmitting element.
Receiving element a10, for receiving the mobile payment request of NFC card reader;
Processing unit a20, for inquiring about the network state of present terminal, judges whether described network condition meets the condition of high in the clouds mobile payment process;
Described processing unit a20 also for, if the network state of present terminal meets the condition of high in the clouds mobile payment process, determine mobile payment address of service according to the AID in the mobile payment request that described receiving element a10 receives;
Transmitting element a30, the mobile payment request for being received by described receiving element a10 is sent to described mobile payment address of service, to complete mobile payment;
Described processing unit a20 also for, if described processing unit judges that the network state of present terminal does not meet the condition of high in the clouds mobile payment process, determine that mobile payment address of service is SE;
The single a30 unit of described transmission, the mobile payment request also for being received by described receiving element a10 sends to SE to complete mobile payment.
In specific implementation, whether processing unit a20 opens for the network inquiring about present terminal; Or, the signal intensity of the network of inquiry present terminal; Or, the data rate of the network of inquiry present terminal.Mobile payment address of service corresponding in the AID in described mobile payment request is inquired about in the routing table that processing unit a20 presets in terminal, if the mobile payment address of service that AID is corresponding is HCE application program, described mobile payment address of service is defined as HCE application program; If the mobile payment address of service that AID is corresponding is SE, mobile payment address of service is defined as SE.
In the embodiment that some are feasible, if described processing unit determines that described mobile payment address of service is HCE application program, the mobile payment request that described receiving element a10 receives is sent to HCE application program by transmitting element a30, intends HCE server interaction data to complete mobile payment by HCE application program and cloud host machine snap gauge; If described processing unit a20 determines that described mobile payment address of service is SE, described mobile payment request sends to SE to complete mobile payment by transmitting element a30.
Visible, the technical scheme that the embodiment of the present invention proposes can according to the adaptively selected suitable mobile payment address of service of the network condition of terminal, if mobile network's situation of terminal is poor, the SE be integrated in mobile phone is then used to realize mobile payment function, thus avoid and use HCE application program to carry out the situation of mobile-phone payment failure when terminating mobile network is poor, enhance user's mobile payment and experience.
The embodiment of the present invention four provides a kind of terminal device, for realizing the method for a kind of mobile payment that the present invention proposes.See Fig. 4, this equipment b00 comprises processor b10, storer b20, bus system b30, receiver b40 and transmitter b50.Wherein, processor b10, storer b20, receiver b40 are connected by bus system b30 with transmitter b50, this storer b20 is for storing instruction, the instruction that this processor b10 stores for performing this storer b20, to control receiver b40 Received signal strength, and control transmitter b50 transmission signal, complete the step in above-mentioned method of mobile payment.Wherein, receiver b40 and transmitter b50 can be identical or different physical entities.During for identical physical entity, transceiver can be referred to as, the NFC controller in counterpart terminal equipment.
The method step that this equipment b00 completes at least can comprise:
Receive the mobile payment request of NFC card reader;
The network state of inquiry present terminal;
Judge whether described network state meets the condition of high in the clouds mobile payment process
If the network state of present terminal meets the condition of high in the clouds mobile payment process, determine mobile payment address of service according to the AID in described mobile payment request, described mobile payment request is sent to described mobile payment address of service, to complete mobile payment;
Otherwise, if the network state of present terminal does not meet the condition of high in the clouds mobile payment process, determine that mobile payment address of service is SE, and send to security module SE to complete mobile payment described mobile payment request.
The concept relevant to the technical scheme that the embodiment of the present invention provides involved by terminal device, explains and describes in detail and other steps refer to description about these contents in preceding method or embodiment, does not repeat herein.
One of ordinary skill in the art will appreciate that the possible implementation of various aspects of the present invention or various aspects can be embodied as system, method or computer program.In addition, the possible implementation of each aspect of the present invention or various aspects can adopt the form of computer program, and computer program refers to the computer readable program code be stored in computer-readable medium.
Computer-readable medium can be mechanized data medium or computer-readable recording medium.Computer-readable recording medium is including but not limited to electronics, magnetic, optics, electromagnetism, infrared or semiconductor system, equipment or device, or aforesaid appropriately combined arbitrarily, as random access memory (RAM), ROM (read-only memory) (ROM), Erasable Programmable Read Only Memory EPROM (EPROM or flash memory), optical fiber, portable ROM (read-only memory) (CD-ROM).
Processor in computing machine reads the computer readable program code be stored in computer-readable medium, makes processor can perform the function action specified in the combination of each step or each step in flow charts; Generate the device implementing the function action specified in the combination of each block of block diagram or each piece.
Computer readable program code can perform completely on the computing machine of user, part performs on the computing machine of user, as independent software package, part on the local computer of user and part on the remote computer, or to perform on remote computer or server completely.Also it should be noted that in some alternate embodiment, in flow charts in each step or block diagram each piece the function that indicates may not according to occurring in sequence of indicating in figure.Such as, depend on involved function, in fact two steps illustrated in succession or two blocks may be executed substantially concurrently, or these blocks sometimes may be performed by with reverse order.
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 division of described functional unit, be only a kind of logic function to divide, other dividing mode may be had during specific implementation, such as multiple unit can be incorporated in same subsystem or module and realizes, or a unit is split into the realization of several unit, or some realization characters can be ignored or not perform.
Above a kind of method and apparatus of mobile payment disclosed in the embodiment of the present invention is described in detail, apply specific case herein to set forth principle of the present invention and embodiment, the explanation of above embodiment just understands method of the present invention and core concept thereof for helping; Meanwhile, for one of ordinary skill in the art, according to thought of the present invention, all will change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention.
Claims (10)
1. a method for mobile payment, is characterized in that, described method comprises:
Receive the mobile payment request of near-field communication NFC card reader;
The network state of inquiry present terminal;
Judge whether described network state meets the condition of high in the clouds mobile payment process;
If described network state meets the condition of high in the clouds mobile payment process, mobile payment address of service is determined according to the application service mark AID in described mobile payment request, described mobile payment request is sent to described mobile payment address of service, to complete mobile payment;
If described network state does not meet the condition of high in the clouds mobile payment process, determine that mobile payment address of service is security module SE, and send to SE to complete mobile payment described mobile payment request.
2. method according to claim 1, is characterized in that, the network state of described inquiry present terminal, comprising:
The network opening of inquiry present terminal; Or,
The signal intensity of the network of inquiry present terminal; Or,
The data rate of the network of inquiry present terminal.
3. method according to claim 1 and 2, is characterized in that, describedly judges the condition whether described network state meets high in the clouds mobile payment process, comprising:
Judge whether described network is opening, if so, then judge the condition meeting high in the clouds mobile payment process; Or,
Judge whether the signal intensity of described network is greater than designated signal strength threshold value, if so, then judge the condition meeting high in the clouds mobile payment process; Or,
Judge whether the data rate of described network is greater than assigned rate threshold value, if so, then judge the condition meeting high in the clouds mobile payment process.
4. method according to claim 1, is characterized in that, describedly determines mobile payment address of service according to the AID in described mobile payment request, described mobile payment request is sent to described mobile payment address of service, to complete mobile payment, comprises:
Mobile payment address of service corresponding in the AID in described mobile payment request is inquired about in the routing table preset from terminal,
If the mobile payment address of service that described AID is corresponding is host card simulation HCE application program, then determine that mobile payment address of service is HCE application program, described mobile payment request is sent to HCE application program, carries out data interaction to complete mobile payment by HCE application program and high in the clouds HCE server.
5. method according to claim 4, is characterized in that, after inquiring about mobile payment address of service corresponding in the AID in described mobile payment request in the described routing table preset from terminal, described method also comprises:
If the mobile payment address of service that described AID is corresponding is SE, then determines that mobile payment address of service is SE, send to SE to complete mobile payment described mobile payment request.
6. a terminal device, is characterized in that, comprising:
Receiving element, for receiving the mobile payment request of NFC card reader;
Processing unit, for inquiring about the network state of present terminal, judges whether described network state meets the condition of high in the clouds mobile payment process;
Described processing unit also for, if described network state meets the condition of high in the clouds mobile payment process, determine mobile payment address of service according to the AID in the mobile payment request that described receiving element receives;
Transmitting element, is sent to described mobile payment address of service, to complete mobile payment for the described mobile payment request received by described receiving element;
Described processing unit also for, if described network state does not meet the condition of high in the clouds mobile payment process, determine that mobile payment address of service is SE;
Described transmitting element also for, send to SE to complete mobile payment described mobile payment request.
7. equipment according to claim 6, is characterized in that, described processing unit specifically for:
The network opening of inquiry present terminal; Or,
The signal intensity of the network of inquiry present terminal; Or,
The data rate of the network of inquiry present terminal.
8. the equipment according to claim 6 or 7, is characterized in that, described processing unit specifically for:
Judge whether described network is opening, if so, then judge the condition meeting high in the clouds mobile payment process; Or,
Judge whether the signal intensity of described network is greater than designated signal strength threshold value, if so, then judge the condition meeting high in the clouds mobile payment process; Or,
Judge whether the data rate of described network is greater than assigned rate threshold value, if so, then judge the condition meeting high in the clouds mobile payment process.
9. equipment according to claim 6, is characterized in that, described processing unit specifically for:
Mobile payment address of service corresponding in the AID in described mobile payment request is inquired about in the routing table preset from terminal,
If the mobile payment address of service that described AID is corresponding is HCE application program, determine that described mobile payment address of service is HCE application program, described mobile payment request is sent to HCE application program, intends HCE server by HCE application program and cloud host machine snap gauge and carry out data interaction to complete mobile payment.
10. equipment according to claim 9, is characterized in that, described transmitting element also for:
If the mobile payment address of service that described AID is corresponding is SE, described mobile payment address of service is defined as SE, sends to SE to complete mobile payment described mobile payment request.
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| CN201510423341.4A CN105550868A (en) | 2015-07-17 | 2015-07-17 | Mobile payment method and apparatus |
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