CN105550869A - Remote payment-for-other method and system based on NFC and intelligent terminal - Google Patents
Remote payment-for-other method and system based on NFC and intelligent terminal Download PDFInfo
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- CN105550869A CN105550869A CN201510733845.6A CN201510733845A CN105550869A CN 105550869 A CN105550869 A CN 105550869A CN 201510733845 A CN201510733845 A CN 201510733845A CN 105550869 A CN105550869 A CN 105550869A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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Abstract
The invention provides a remote payment-for-other method and system based on NFC and an intelligent terminal. The method comprises the steps that a transaction message transmitted by a selling terminal is received, and the transaction message includes NFC user information requesting for payment and commodity information selected by a user; a transaction bill is generated according to the transaction message, and the transaction bill includes payment amount and the NFC user information; a first payment-for-other message is transmitted to a first associated user of the NFC user information, and the first payment-for-other message includes the payment amount of the transaction bill and the NFC user information; and a first response message of the first payment-for-other message is received, the first response message includes information of payment of the payment amount, the payment amount is deducted from the account of the first associated user if the first response message includes the information of paying the payment amount, and a message of successful payment is transmitted to the selling terminal. The remote payment-for-other method and system based on NFC and the intelligent terminal have advantages of enhancing user experience degree.
Description
Technical field
The present invention relates to electronics and the communications field, particularly relate to and a kind ofly pay out method, system and intelligent terminal based on the long-range of NFC.
Background technology
NFC (English full name: NearFieldCommunication, Chinese: near field communication (NFC)) pay refer to consumer buy commodity or service time, instant employing NFC technique completes payment by handheld devices such as mobile phones, is emerging a kind of mobile payment mode.The process paid is carried out at the scene, and online under carry out, do not need to use mobile network, but use NFC radio-frequency channel to realize the local communication with the equipment such as POS cashing machine or sales terminal.
Existing NFC supports the payment that can only complete the machine, cannot realize paying out of NFC.
Summary of the invention
There is provided a kind of and pay out method based on the long-range of NFC, describedly pay out method based on NFC long-range and have employed the long-range technical scheme paying out method based on NFC, make to use the described long-range equipment paying out method based on NFC can realize the remote payment of NFC.
On the one hand, provide a kind of and pay out method based on the long-range of NFC, described method comprises:
Receive the transaction message that sales terminal sends, described transaction message comprises: the NFC user profile that request pays and the merchandise news that user selectes;
Generate transaction bill according to described transaction message, described transaction bill comprises: payment and NFC user profile;
The first associated user to described NFC user profile sends first and pays out message, and described first pays out message comprises: the payment of described transaction bill and NFC user profile;
Receive the first response message that described first pays out message, described first response message comprises the information whether paying this payment, if described first response message comprises the information paying this payment, then in the account of described first associated user, deduct this payment, send to described sales terminal and pay successful message.
Optionally, described method generation transaction bill after, to described NFC user profile first associated user send first pay out message before, also comprise:
Judge whether the remaining sum of this NFC user profile corresponding account is not less than the payment of this transaction bill, if described remaining sum is less than this payment, then carries out sending first to the first associated user of described NFC user profile described in step and pay out message.
Optionally, described method also comprised before transmission pays successful message:
If described first response message does not comprise the information paying this amount of money, then message is paid out in the second associated user transmission second to described NFC user profile, and described second pays out message comprises: the payment of described transaction bill and NFC user profile; Receive the second response message that second pays out message, if described second response message comprises the information paying this payment, then in the account of described second associated user, deduct this payment;
If or described first response message do not comprise and pay the information of this payment, then to described sales terminal, and/or the mobile terminal that pays of request returns and pays and/or pay out failure.
Optionally, described method also comprised before generation transaction bill:
The checking message that the mobile terminal that the request of reception pays sends, described checking message comprises: what user inputted pays out authorization information;
This is paid out authorization information corresponding with this NFC user profile prestored pay out authorization information comparison, if comparison is consistent, generates transaction bill according to described transaction message, if comparison is inconsistent, delete described transaction message.
Optionally, the refund message that the mobile terminal that the request of reception pays sends, described refund message comprises: the account of the refund amount of money and described first associated user, and the described refund amount of money is described payment;
According to described refund message, the described refund amount of money is forwarded to the account of described first associated user from the user account that request pays.
On the other hand, provide a kind of and pay out system based on the long-range of near field communication (NFC) NFC, described system comprises:
Receiving element, for receiving the transaction message that sales terminal sends, described transaction message comprises: the NFC user profile that request pays and the merchandise news that user selectes;
Generation unit, for generating transaction bill according to described transaction message; Described transaction bill comprises: payment and NFC user profile;
Transmitting element, pay out message for sending first to the first associated user of described NFC user profile, described first pays out message comprises: the payment of described transaction bill and NFC user profile;
Described receiving element, also for receiving the first response message that described first pays out message, described first response message comprises the information whether paying this payment;
Deduction unit, if comprise the information paying this payment for described first response message, then deducts this payment in the account of described first associated user;
Described transmitting element, also for after described deduction unit deducts this payment, issues to sales terminal and pays successful message.
Optionally, described system also comprises:
Judging unit, for judging whether the remaining sum of this NFC user profile corresponding account is not less than the payment of this transaction bill, if described remaining sum is less than this payment, then pay out message by described transmitting element to the first associated user transmission first of described NFC user profile.
Optionally, described transmitting element, if also do not comprise the information paying this payment for this response message, then issue second to second associated user and pay out message, described second pays out message comprises: the payment of described transaction bill and NFC user profile;
Described receiving element, for receiving the second response message that second pays out message;
Described deduction unit, if for comprising the information paying this payment in the second response message, then deduct this payment in the account of the second associated user;
Or described transmitting element, if also do not comprise the information paying this payment for described first response message, then to described sales terminal, and/or the mobile terminal of request payment returns payment and/or failure is paid in back substitution.
Optionally, described receiving element, the checking message that the mobile terminal also paid for receiving request sends, described checking message comprises: what user manually inputted pays out authorization information;
Verification unit, for this is paid out authorization information corresponding with this NFC user profile prestored pay out authorization information comparison, if this pay out authorization information and this NFC user profile prestored corresponding to pay out authorization information comparison consistent, transaction bill is generated according to described transaction message, if comparison is inconsistent, delete described transaction message.
Optionally, described receiving element, also pay the refund message of mobile terminal transmission for receiving request, described refund message comprises: the account of the refund amount of money and described first associated user, and the described refund amount of money is described payment;
Refund unit, for according to described refund message by the described refund amount of money from request pay user account from the account forwarding associated user to.
Further aspect, provides a kind of intelligent terminal, and described intelligent terminal comprises pays out system as above-mentioned based on the long-range of NFC.
What provide according to each embodiment pays out method based on the long-range of NFC, and the method realizes paying out of associated user by the technical scheme paid out, so it can realize paying out of NFC, has the advantage improving user experience.
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 be NFC provided by the invention pay realize scene schematic diagram;
The long-range process flow diagram paying out method based on NFC that Fig. 2 provides for the first better embodiment of the present invention;
The long-range process flow diagram paying out method based on NFC that Fig. 3 provides for the present invention second better embodiment;
Fig. 4 provided by the inventionly asks for this associated user process flow diagram;
Fig. 5 is the process flow diagram of first preferred version of the present invention second better embodiment;
Fig. 6 is the process flow diagram of second preferred version of the present invention second better embodiment;
Fig. 7 is the process flow diagram of the 3rd preferred version of the present invention second better embodiment;
The long-range structural representation paid out based on NFC that Fig. 8 provides for the present invention the 3rd better embodiment;
Fig. 9 is the structural representation of first preferred version of the present invention the 3rd better embodiment;
Figure 10 is the structural representation of second preferred version of the present invention the 3rd better embodiment;
Figure 11 is the structural representation of a kind of intelligent terminal provided by the invention.
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.
Consult Fig. 1, what the NFC that Fig. 1 provides for the present invention's better embodiment paid realizes scene schematic diagram, as shown in Figure 1, this NFC pay system 100 comprise: intelligent terminal (here for server 10), request pay mobile terminal 11, sales terminal 12 and pay out pay a mobile terminal 13, the mobile terminal 11 that request pays is specifically as follows, and have the mobile terminal of NFC function, this mobile terminal includes but not limited to: mobile phone, panel computer or PDA (English full name: PersonalDigitalAssistant, Chinese: palm PC), sales terminal 12 is specifically as follows: the automatic vending machine with NFC function, and above-mentioned server is connected by wireless network or cable network with automatic vending machine, pays out a pair mobile terminal 13 and includes but not limited to: mobile phone, panel computer or PDA, the communication modes of above-mentioned wireless network includes but not limited to but is not limited to GSM (English full name: globalsystemofmobilecommunications, Chinese: Global Systems for Mobile communications), CDMA (English full name: CodeDivisionMultipleAccess, Chinese: CDMA), WCDMA (English full name: WidebandCodeDivisionMultipleAccess, Chinese: Wideband-CDMA), LTE (English full name: LongTermEvolution, Chinese: Long Term Evolution), TD-LTE (English full name: TimeDivisionLongTermEvolution, Chinese: time-division Long Term Evolution) etc.
Consult Fig. 2, the present invention first better embodiment provides the long-range of a kind of NFC and pays out method, the technology scene that the present invention first better embodiment realizes is as follows, mobile terminal in the present invention first better embodiment can have the application of sales terminal, the application of this sales terminal can be downloaded voluntarily by mobile phone users and register, and the present invention first better embodiment does not limit to the concrete obtain manner of the application of above-mentioned sales terminal.Sales terminal in the present invention first better embodiment can for having the sales terminal of communication function and NFC function, and the server in the present invention first better embodiment can be the server be connected with sales terminal.The system that the method is paid by NFC as shown in Figure 1 performs, and as shown in Figure 2, the method comprises the steps:
Step S201, when user is after commodity selected by vending machine, user use contact with the NFC module of sales terminal with the mobile terminal of NFC function;
The above-mentioned mobile terminal with NFC function is specifically as follows: with the mobile terminal of NFC module.In an embodiment of the present invention first better embodiment, this NFC module is specifically as follows: NFCAppletSE module, in another embodiment of the present invention first better embodiment, this NFC module is specifically as follows other NFC module, such as: RDM881 series module.
Step 202, sales terminal reads the NFC user profile in this mobile terminal, and the information according to this NFC user profile and selected commodity generates transaction message;
Above-mentioned NFC user profile can be many forms, such as, in an embodiment of the present invention first better embodiment, this NFC user profile can be user name, in another embodiment of the present invention first better embodiment, this NFC user profile can be phone number or bank account etc.
Step S203, this transaction message is sent to server by sales terminal;
Transaction message in above-mentioned steps specifically can comprise: the information of this NFC user profile and selected commodity.Certainly in other implementations, this transaction message also can comprise other information, and the specific embodiment of the invention does not limit to the content that above-mentioned transaction message specifically comprises.
Step S204, server generate transaction bill according to this transaction message, judge whether remaining sum corresponding to NFC user profile is not less than the amount of money of transaction bill, if remaining sum is less than the amount of money of transaction bill, extract the associated user of NFC user profile, send to this associated user mobile terminal and pay out message, this is paid out message and can comprise: the amount of money of this transaction bill and NFC user profile;
Transaction bill in above-mentioned steps specifically can comprise: payment and NFC user profile.Certainly in other embodiments, other information can also be comprised, the merchandise news etc. that such as user selectes.
Step S205, associated user mobile terminal return to server the response message that this pays out message, and this response message can comprise: whether pay this amount of money;
Response message in above-mentioned steps can be a newly-built response message, certainly in actual applications, also can carry this response message in other existing message.
Step S206, server receive this response message, and pay this amount information if comprised in response message, server deducts this amount of money from the account of this associated user, send pay success message to sales terminal;
In above-mentioned steps, server receives the mode of this response message can be multiple, such as, received by cordless communication network, by other means, such as, can certainly receive this response message by modes such as router forwardings.
Step S207, sales terminal sell selected commodity.
In above-mentioned steps, sales terminal sells the concrete mode of selected commodity can be that sales terminal issues delivery order makes selected commodity sell from sale window.
The NFC that the present invention first better embodiment provides is long-range pays out method, after the NFC module of sales terminal obtains the NFC user profile buying user, NFC user profile and user are selected merchandise news generation transaction message and send to server, server is when determining that user balance is inadequate, send to associated user and pay out message, server is after receiving the information paying this transaction bill, notice sales terminal sells selected commodity, what this kind of mode completed NFC pays out function, namely paying out of associated user can be realized when Sorry, your ticket has not enough value for itself, thus facilitate the popularization of NFC function.
Consult Fig. 3, what Fig. 3 provided for the present invention second better embodiment a kind ofly pays out method based on the long-range of NFC, mobile terminal in the present invention second better embodiment can have the application of sales terminal, the application of this sales terminal can be downloaded voluntarily by mobile phone users and register, and the present invention second better embodiment does not limit to the concrete obtain manner of the application of above-mentioned sales terminal.The method is completed by server, this server is specifically as follows: personal computer, the webserver, cloud server or other there is the equipment of intelligent operating system, the present invention second better embodiment does not limit to the concrete format surface of above-mentioned server, as shown in Figure 3, a kind of long-range method of paying out based on NFC that the present invention second better embodiment provides comprises the steps:
The transaction message that step S301, reception sales terminal send, this transaction message can comprise: the NFC user profile that request pays and the merchandise news that user selectes;
Above-mentioned transaction message can comprise, the implementation of the NFC user profile that request pays and the merchandise news that user selectes can for multiple, such as, in an embodiment of the present invention second better embodiment, the NFC user profile that request pays and the merchandise news that user selectes can be the ID of user ID (English: identity, Chinese: mark) and commodity.Certainly, in another embodiment of the present invention second better embodiment, the NFC user profile that request pays and the merchandise news that user selectes can be user mobile phone number and trade name.The specific embodiment of the invention does not limit to the specific implementation of the merchandise news that above-mentioned NFC user profile and user select.
Step S302, according to this transaction message generate transaction bill; This transaction bill includes but not limited to: the NFC user profile that payment and request pay;
The mode generating transaction bill in above-mentioned steps specifically can comprise, a newly-generated transaction bill, payment and NFC user profile are stored in this transaction bill, certainly other mode can also be had, such as this transaction message is directly changed into transaction bill by fruit, and this payment is increased in this transaction bill.
Step S303 (optionally), judge whether the remaining sum of this NFC user profile corresponding account is not less than the payment of this transaction bill, if remaining sum is less than the payment of this transaction bill, perform step S304-S306; Certainly in actual applications, also can omit step S303, directly perform step S304-S306.
Omitting step S303 in above-mentioned steps is the transmission that must not affect the request of paying out because of the judgement for remaining sum size, also can perform the request of paying out, namely directly perform step S304-S306 when namely remaining sum is not less than payment.
Step S304, to send to the first associated user of this NFC user profile and first pay out message, first this pay out message and comprise: the payment of this transaction bill and NFC user profile;
The obtain manner of the first associated user in above-mentioned steps can have various ways, and such as, in an embodiment of the present invention second better embodiment, the mobile terminal paid to request asks for this first associated user, such as, as shown in Figure 4, comprising:
Step S401, the mobile terminal paid to request issue associated user and ask for message; Issuing the mode that associated user asks for message in above-mentioned steps can have multiple, such as issue associated user by mobile communications network directly to the mobile terminal that request pays and ask for message, this is asked for message and includes but not limited to, directly issue a message, the order of asking for associated user is comprised in this message, a new order can certainly be set, such as realize this by multiple identical numeral and ask for message, such as continuous print 10 1 or continuous print 11 zero represent that associated user asks for message.
The mobile terminal that step S402, the request of reception pay return this ask for the response message of message, can comprise in this response message asking for message: the information (such as phone number, ID etc.) of associated user.The concrete manifestation form of the response message in above-mentioned steps can be: the information of carrying the phone number of associated user in response message, certainly can also be, the ID of carrying mobile phone in response message, the information such as the MAC Address of such as mobile phone.
Certainly in another embodiment of the present invention second better embodiment, also can when asking the mobile terminal paid to carry out sales terminal application download, the mobile terminal allowing request pay submits associated user to.Embodiment provided by the invention does not limit to the concrete acquisition form of above-mentioned associated user.
Step S305, receive this first the first response message paying out message, this first response message comprises the information whether paying this payment, if this first response message comprises the information paying this payment, then in the account of the first associated user, deducts this amount of money;
The concrete manifestation form that above-mentioned first response message comprises the information whether paying this payment can be, the information bit whether one pay this payment is set in the first response message, such as, this bit is the information that 1 expression pays this payment, and this bit is the information that 0 expression does not pay this payment.
Step S306, issues to sales terminal and pays successful message.
Issue the successful message of payment to sales terminal in above-mentioned steps specifically to be issued by the mode such as mobile communications network or the Internet.
Optionally, if this first response message does not comprise the information paying this payment, then to described sales terminal, and/or the mobile terminal that request pays returns payment, and/or pays out failure.
The successful message of above-mentioned payment is specifically as follows the message that one carries payment information, certainly in the application of reality, the successful message of above-mentioned payment also can be a self-defining message, such as one section of continuous print numeral, such as the character string of 10 1 or 10 0 composition.
What the present invention second better embodiment provided pays out method based on NFC is long-range, server is when determining that user balance is inadequate, send to associated user and pay out message, server is after receiving the information paying this transaction bill, the commodity paying successful message and select to make sales terminal sell user are issued to sales terminal, what this kind of mode completed NFC pays out function, namely paying out of associated user can be realized when Sorry, your ticket has not enough value for itself, thus facilitate client to use NFC function, also facilitate the popularization of NFC function.
Consult Fig. 5, Fig. 5 is the process flow diagram of first preferred version of the present invention second better embodiment, preferably, in the present invention second better embodiment, can also comprise between step S305 and step S306:
If this first response message of step S501 does not comprise pay the information of this payment, then issue second to second associated user of described NFC user profile and pay out message; Described second pays out message comprises: the payment of described transaction bill and NFC user profile;
The obtain manner of above-mentioned second associated user can be various ways, such as, in an embodiment of the present invention second better embodiment, the second associated user is obtained by the mode allowing request payment user preset, in another embodiment of the present invention second better embodiment, a user can be randomly drawed as the second associated user in other associated users except the first associated user, certainly in the next embodiment of the present invention second better embodiment, above-mentioned second associated user can also for being arranged in the user after the first association.Certainly can also be other multiple choices mode, not repeat one by one here.
Step S502, receive the second the second response message paying out message, if comprise the information paying this payment in the second the second response message paying out message, then in the account of the second associated user, deduct this payment.
The concrete manifestation form that above-mentioned second response message comprises the information whether paying this payment can be, the information bit whether one pay this payment is set in the second response message, such as, this bit is the information that 1 expression pays this payment, and this bit is the information that 0 expression does not pay this payment.
After adding step as shown in Figure 5, the present invention second better embodiment can increase the success ratio paid out, because for technical scheme as shown in Figure 3, if associated user (i.e. the first associated user) remaining sum is also not enough, it certainly cannot complete and pay out, the user so paid for request just cannot take corresponding commodity, and the step added as shown in Figure 5, second associated user just can be selected to pay out, thus add and pay out successful probability, improve the experience of client.
Consult Fig. 6, Fig. 6 is the process flow diagram of second preferred version of the present invention second better embodiment, preferably, in the present invention second better embodiment, can also comprise the steps: before step S302
The checking message that the mobile terminal that step S601, the request of reception pay sends, this checking message comprises: what user inputted pays out authorization information;
Above-mentioned authorization information of paying out is specifically as follows, a character string, such as 01010101; Can certainly be the bar code according to this text string generation or Quick Response Code, the specific embodiment of the invention limit to the above-mentioned concrete manifestation form paying out authorization information.
Step S602, this is paid out authorization information corresponding with this NFC user profile prestored pay out authorization information comparison, if comparison is consistent, performs step S302, if comparison is inconsistent, delete this transaction message.
Alignments in above-mentioned steps is specifically as follows, by pay out authorization information corresponding with this NFC user profile prestored pay out authorization information comparison, for password, if password is consistent, then determine that comparison is consistent, for fingerprint, if fingerprint comparison is similar, then determine that comparison is consistent.
Step as shown in Figure 6 adds checking procedure, relative to the present invention second better embodiment as shown in Figure 3, increase the security that checking procedure improves transaction, because for the reading of NFC, user cannot change the information in mobile terminal in NFC module very easily, so obtained by the reading of NFC, to pay out authorization information be inconvenient, also be unsafe, so this is directly paid out authorization information by cordless communication network by step as shown in Figure 6 send to server, paying out authorization information due to this is that user manually inputs, such server just can by comparing to paying out authorization information be confirmed whether as user uses with the authorization information of paying out prestored, because for vast consumer, losing mobile phone is a kind of very common phenomenon, and when completing long-range paying out by NFC, pay out personnel's direct payment sometimes, paying after sometimes returning phone confirmation, no matter what mode, efficiency is all very low, and a step verified is provided in advance, security can be improved greatly, user can be avoided like this to lose and the economic loss caused.
Consult Fig. 7, Fig. 7 is the process flow diagram of the 3rd preferred version of the present invention second better embodiment, preferably, in the present invention second better embodiment, after step S304, can also comprise the steps:
Step S701, the request of reception pay the refund message that mobile terminal sends, and this refund message comprises: the account of the refund amount of money and this first associated user; This refund amount of money can be above-mentioned payment;
Message of refunding in above-mentioned steps can be a new message, carries the account of the refund amount of money and the first associated user in this new message.Can certainly be directly that as refund message, server, after receiving this specific message, directly performs operation of refunding to a specific message (such as 81,7 zero numerals such as continuous print such as grade).
Step S702, the user account that paid from this request by this refund amount of money according to this refund message are from the account forwarding the first associated user to.
The account in above-mentioned steps, the refund amount of money being forwarded to the first associated user is specifically as follows, this refund amount of money is directly forwarded to the NFC account of this first associated user, directly this refund amount of money can certainly be forwarded to the bank card account of the NFC account binding of this first associated user.
Step as shown in Figure 7 adds the operation of refund, and the method that this is paid out is more perfect, makes mode of paying out more flexible, is more easy to promote.
On the other hand, provide a kind of and pay out system 800 based on the long-range of NFC, consult Fig. 8, pay out system for inventing a kind of that the 3rd better embodiment provides based on the long-range of NFC, described system comprises:
Receiving element 801, for receiving the transaction message that sales terminal sends, described transaction message comprises: the near field communication (NFC) NFC user profile that request pays and the merchandise news that user selectes;
Above-mentioned transaction message can comprise, the implementation of the NFC user profile that request pays and the merchandise news that user selectes can for multiple, such as, in an embodiment of the present invention second better embodiment, the NFC user profile that request pays and the merchandise news that user selectes can be the ID of user ID (English: identity, Chinese: mark) and commodity.Certainly, in another embodiment of the present invention second better embodiment, the NFC user profile that request pays and the merchandise news that user selectes can be user mobile phone number and trade name.The specific embodiment of the invention does not limit to the specific implementation of the merchandise news that above-mentioned NFC user profile and user select.
Generation unit 802, for generating transaction bill according to described transaction message, described transaction bill comprises: payment and NFC user profile;
Judging unit 803 (optionally), for judging whether the remaining sum of this NFC user profile corresponding account is not less than the amount of money of this transaction bill;
Above-mentioned judging unit 803 is optionally ready that the judgement for remaining sum size does not affect the transmission of the request of paying out, and also can perform the request of paying out when namely remaining sum is not less than payment, and namely direct transmission by transmitting element pays out message.
Transmitting element 804, pay out message for sending to the first associated user of described NFC user profile, described first pays out message comprises: the payment of described transaction bill and NFC user profile;
The obtain manner of above-mentioned associated user can have various ways, specifically see the description in the present invention first better embodiment, can not repeat one by one here.
Receiving element 801, also for receiving this first the first response message paying out message, described first response message comprises the information whether paying this payment;
The concrete manifestation form that above-mentioned first response message comprises the information whether paying this payment can be, the information bit whether one pay this payment is set in the first response message, such as, this bit is the information that 1 expression pays this payment, and this bit is the information that 0 expression does not pay this payment.
Deduction unit 805, if comprise the information paying this payment for this first response message, then deducts this payment in the account of the first associated user;
The information of the payment in above-mentioned deduction unit 805 is specifically as follows, and includes a message of payment.
Transmitting element 804, also for after described deduction unit deducts this payment, issues to sales terminal and pays successful message.
Issue the successful message of payment to sales terminal in above-mentioned transmitting element specifically to be issued by the mode such as mobile communications network or the Internet.
The successful message of above-mentioned payment is specifically as follows the message that one carries payment information, certainly in the application of reality, the successful message of above-mentioned payment also can be a self-defining message, such as one section of continuous print numeral, such as the character string of 10 1 or 10 0 composition.
What the specific embodiment of the invention provided pays out system based on NFC is long-range, system is when determining that user balance is inadequate, send to associated user and pay out message, system is after receiving the information paying this transaction bill, the commodity paying successful message and select to make sales terminal sell user are issued to sales terminal, what this kind of mode completed NFC pays out function, namely paying out of associated user can be realized when Sorry, your ticket has not enough value for itself, thus facilitate client to use NFC function, also facilitate the popularization of NFC function.
Optionally, transmitting element 804, if also do not comprise the information paying this payment for this first response message, then issue second to second associated user and pay out message, described second pays out message comprises: the payment of described transaction bill and NFC user profile;
The obtain manner of above-mentioned second associated user can be various ways, such as, in an embodiment of embodiment of the present invention, the second associated user is obtained by the mode allowing request payment user preset, in another embodiment of embodiment of the present invention, a user can be randomly drawed as the second associated user in other associated users except the first associated user, certainly, in the next embodiment of embodiment of the present invention, above-mentioned second associated user can also for being arranged in the user after the first association.Certainly can also be other multiple choices mode, not repeat one by one here.
Receiving element 801, for receiving the second response message that second pays out message;
The concrete manifestation form that above-mentioned second response message comprises the information whether paying this payment can be, the information bit whether one pay this payment is set in the second response message, such as, this bit is the information that 1 expression pays this payment, and this bit is the information that 0 expression does not pay this payment.
Deduction unit 805, if for comprising the information paying this payment in the second response message, then deduct this payment in the account of the second associated user.
The information of the payment in above-mentioned deduction unit 805 is specifically as follows, and includes a message of payment.
The obtain manner of above-mentioned second associated user can be various ways, such as, the second associated user is obtained by the mode allowing request payment user preset, can certainly randomly draw a user as the second associated user in other associated users except the first associated user, certain second associated user can also for being arranged in the user after the first association.Certainly can also be other multiple choices mode, not repeat one by one here.
If associated user (i.e. the first associated user) remaining sum is also not enough, it certainly cannot complete and pay out, the user so paid for request just cannot take corresponding commodity, and after adding technique scheme, second associated user just can be selected to pay out, thus add and pay out successful probability, improve the experience of client.
As shown in Figure 9, for inventing first preferred version of the 3rd better embodiment, optionally, receiving element 801, the checking message that the mobile terminal also paid for receiving request sends, described checking message comprises: what user inputted pays out authorization information (prioritizing selection manually inputs);
Above-mentioned authorization information of paying out is specifically as follows, a character string, such as 01010101; Can certainly be the bar code according to this text string generation or Quick Response Code, the specific embodiment of the invention limit to the above-mentioned concrete manifestation form paying out authorization information.
Verification unit 806, for this is paid out authorization information corresponding with this NFC user profile prestored pay out authorization information comparison, if this pay out authorization information and this NFC user profile prestored corresponding to pay out authorization information comparison consistent, generate transaction bill according to described transaction message; If this pay out authorization information corresponding with this NFC user profile prestored to pay out authorization information comparison inconsistent, delete described transaction message.
Alignments in said units is specifically as follows, by pay out authorization information corresponding with this NFC user profile prestored pay out authorization information comparison, for password, if password is consistent, then determine that comparison is consistent, for fingerprint, if fingerprint comparison is similar, then determine that comparison is consistent.
System as shown in Figure 9 adds the technical scheme of verification, increase the security that checking procedure improves transaction, because for the reading of NFC, user cannot change the information in mobile terminal in NFC module very easily, so obtained by the reading of NFC, to pay out authorization information be inconvenient, also be unsafe, directly by cordless communication network, this being paid out authorization information sends to system, paying out authorization information due to this is that user manually inputs, such system just can by comparing to paying out authorization information be confirmed whether as user uses with the authorization information of paying out prestored, because for vast consumer, losing mobile phone is a kind of very common phenomenon, and when completing long-range paying out by NFC, pay out personnel's direct payment sometimes, paying after sometimes returning phone confirmation, no matter what mode, efficiency is all very low, and a step verified is provided in advance, security can be improved greatly, user can be avoided like this to lose and the economic loss caused.
As shown in Figure 10, as shown in Figure 10, for second preferred version inventing the 3rd better embodiment is optional, said system also comprises:
Optionally, receiving element 801, also pay the refund message of mobile terminal transmission for receiving request, described refund message comprises: the refund amount of money and the first associated user;
Message of refunding in said units can be a new message, carries the account of the refund amount of money and the first associated user in this new message.Can certainly be directly that as refund message, server, after receiving this specific message, directly performs operation of refunding to a specific message (such as 81,7 zero numerals such as continuous print such as grade).
Refund unit 808, for according to described refund message by the described refund amount of money from request pay user account from the account forwarding the first associated user to.
The account in said units, the refund amount of money being forwarded to the first associated user is specifically as follows, this refund amount of money is directly forwarded to the NFC account of this first associated user, directly this refund amount of money can certainly be forwarded to the bank card account of the NFC account binding of this first associated user.
Second preferred version of the 3rd better embodiment provided by the invention provides the technical scheme of refund, and the method that this is paid out is more perfect, makes mode of paying out more flexible, is more easy to promote.
Optionally, transmitting element 804, pays the information of this payment if also do not comprised for the first response message, then to terminal after sale, and/or the mobile terminal that request pays returns payment, and/or pays out failure.
Further aspect, also provides a kind of intelligent terminal 1100, and as shown in figure 11, described intelligent terminal comprises above-mentionedly pays out system 800 based on the long-range of NFC.
It should be noted that, for aforesaid each method embodiment or embodiment, 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, embodiment described in instructions or embodiment all belong to preferred embodiment, and involved action and unit 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.
Step in embodiment of the present invention method can be carried out order according to actual needs and be adjusted, merges and delete.
Unit in embodiment of the present invention device can carry out merging, divide and deleting according to actual needs.The feature of the different embodiment described in this instructions and different embodiment can carry out combining or combining by those skilled in the art.
Through the above description of the embodiments, those skilled in the art can be well understood to the present invention can use hardware implementing, or firmware realizes, or their array mode realizes.When implemented in software, above-mentioned functions can be stored in computer-readable medium or as the one or more instruction on computer-readable medium or code and transmit.Computer-readable medium comprises computer-readable storage medium and communication media, and wherein communication media comprises any medium being convenient to transmit computer program from a place to another place.Storage medium can be any usable medium that computing machine can access.As example but be not limited to: computer-readable medium can comprise random access memory (RandomAccessMemory, RAM), ROM (read-only memory) (Read-OnlyMemory, ROM), EEPROM (Electrically Erasable Programmable Read Only Memo) (ElectricallyErasableProgrammableRead-OnlyMemory, EEPROM), read-only optical disc (CompactDiscRead-OnlyMemory, or other optical disc storage CD-ROM), magnetic disk storage medium or other magnetic storage apparatus, or the program code that can be used in carrying or storing the expectation with instruction or data structure form also can by any other medium of computer access.In addition.Any connection can be suitable become computer-readable medium.Such as, if software uses concentric cable, optical fiber cable, twisted-pair feeder, Digital Subscriber Line (DigitalSubscriberLine, DSL) or the wireless technology of such as infrared ray, radio and microwave and so on from website, server or other remote source, so the wireless technology of concentric cable, optical fiber cable, twisted-pair feeder, DSL or such as infrared ray, wireless and microwave and so on be included in affiliated medium fixing in.As used in the present invention, dish (Disk) and dish (disc) comprise compression laser disc (CD), laser dish, laser disc, Digital Versatile Disc (DVD), floppy disk and Blu-ray Disc, the usual magnetic of its mid-game copy data, what dish then carried out optics with laser copies data.Combination above also should be included within the protection domain of computer-readable medium.
In a word, the foregoing is only the preferred embodiment of technical solution of the present invention, be not intended to limit protection scope of the present invention.Within the spirit and principles in the present invention all, any amendment done, equivalent replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (11)
1. pay out a method based on the long-range of near field communication (NFC) NFC, it is characterized in that, described method comprises:
Receive the transaction message that sales terminal sends, described transaction message comprises: the NFC user profile that request pays and the merchandise news that user selectes;
Generate transaction bill according to described transaction message, described transaction bill comprises: payment and NFC user profile;
The first associated user to described NFC user profile sends first and pays out message, and described first pays out message comprises: the payment of described transaction bill and NFC user profile;
Receive the first response message that described first pays out message, described first response message comprises the information whether paying this payment, if described first response message comprises the information paying this payment, then in the account of described first associated user, deduct this payment, send to described sales terminal and pay successful message.
2. according to claim 1ly pay out method based on the long-range of NFC, it is characterized in that, described method after generation transaction bill, to the first associated user of described NFC user profile send first pay out message before, also comprise:
Judge whether the remaining sum of this NFC user profile corresponding account is not less than the payment of this transaction bill, as described in remaining sum be less than this payment, then carry out sending to the first associated user of described NFC user profile described in step first paying out message.
3. according to claim 1ly pay out method based on the long-range of NFC, it is characterized in that, described method also comprised before transmission pays successful message:
If described first response message does not comprise the information paying this amount of money, then message is paid out in the second associated user transmission second to described NFC user profile, and described second pays out message comprises: the payment of described transaction bill and NFC user profile; Receive the second response message that second pays out message, if described second response message comprises the information paying this payment, then in the account of described second associated user, deduct this payment;
If or described first response message do not comprise and pay the information of this payment, then to described sales terminal, and/or the mobile terminal that pays of request returns and pays and/or pay out failure.
4. according to claim 1ly pay out method based on the long-range of NFC, it is characterized in that, described method also comprised before generation transaction bill:
The checking message that the mobile terminal that the request of reception pays sends, described checking message comprises: what user inputted pays out authorization information;
This is paid out authorization information corresponding with this NFC user profile prestored pay out authorization information comparison, if comparison is consistent, generates transaction bill according to described transaction message, if comparison is inconsistent, delete described transaction message.
5. according to claim 1ly pay out method based on the long-range of NFC, it is characterized in that,
The refund message that the mobile terminal that the request of reception pays sends, described refund message comprises: the account of the refund amount of money and described first associated user, and the described refund amount of money is described payment;
According to described refund message, the described refund amount of money is forwarded to the account of described first associated user from the user account that request pays.
6. pay out a system based on the long-range of near field communication (NFC) NFC, it is characterized in that, described system comprises:
Receiving element, for receiving the transaction message that sales terminal sends, described transaction message comprises: the NFC user profile that request pays and the merchandise news that user selectes;
Generation unit, for generating transaction bill according to described transaction message; Described transaction bill comprises: payment and NFC user profile;
Transmitting element, pay out message for sending first to the first associated user of described NFC user profile, described first pays out message comprises: the payment of described transaction bill and NFC user profile;
Described receiving element, also for receiving the first response message that described first pays out message, described first response message comprises the information whether paying this payment;
Deduction unit, if comprise the information paying this payment for described first response message, then deducts this payment in the account of described first associated user;
Described transmitting element, also for after described deduction unit deducts this payment, issues to sales terminal and pays successful message.
7. system according to claim 6, is characterized in that, described system also comprises:
Judging unit, for judging whether the remaining sum of this NFC user profile corresponding account is not less than the payment of this transaction bill, if described remaining sum is less than this payment, then pay out message by described transmitting element to the first associated user transmission first of described NFC user profile.
8. system according to claim 6, is characterized in that,
Described transmitting element, if also do not comprise the information paying this payment for this response message, then issue second to second associated user and pay out message, described second pays out message comprises: the payment of described transaction bill and NFC user profile;
Described receiving element, for receiving the second response message that second pays out message;
Described deduction unit, if for comprising the information paying this payment in the second response message, then deduct this payment in the account of the second associated user;
Or described transmitting element, if also do not comprise the information paying this payment for described first response message, then to described sales terminal, and/or the mobile terminal that request pays returns payment and/or pays out failure.
9. system according to claim 6, is characterized in that,
Described receiving element, the checking message that the mobile terminal also paid for receiving request sends, described checking message comprises: what user manually inputted pays out authorization information;
Verification unit, for this is paid out authorization information corresponding with this NFC user profile prestored pay out authorization information comparison, if this pay out authorization information and this NFC user profile prestored corresponding to pay out authorization information comparison consistent, transaction bill is generated according to described transaction message, if comparison is inconsistent, delete described transaction message.
10. system according to claim 6, is characterized in that,
Described receiving element, also pay the refund message of mobile terminal transmission for receiving request, described refund message comprises: the account of the refund amount of money and described first associated user, and the described refund amount of money is described payment;
Refund unit, for according to described refund message by the described refund amount of money from request pay user account from the account forwarding associated user to.
11. 1 kinds of intelligent terminals, is characterized in that, described intelligent terminal comprise as arbitrary in claim 6-10 as described in pay out system based on the long-range of NFC.
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| CN201510733845.6A CN105550869A (en) | 2015-10-30 | 2015-10-30 | Remote payment-for-other method and system based on NFC and intelligent terminal |
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| CN201510733845.6A CN105550869A (en) | 2015-10-30 | 2015-10-30 | Remote payment-for-other method and system based on NFC and intelligent terminal |
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| CN110378685A (en) * | 2019-07-24 | 2019-10-25 | 成都我搜挖信息技术股份有限公司 | A kind of vending machine remotely pays out system and method |
| CN112184209A (en) * | 2020-09-07 | 2021-01-05 | 广东以诺通讯有限公司 | Method for realizing payment by D2D terminal through NFC and terminal |
| CN113191765A (en) * | 2021-04-22 | 2021-07-30 | 武汉天喻信息产业股份有限公司 | Method, device and equipment for sharing balance of multiple wallets and readable storage medium |
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