CN105608572A - NFC-based payment method, NFC-based payment system and terminal - Google Patents
NFC-based payment method, NFC-based payment system and terminal Download PDFInfo
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- CN105608572A CN105608572A CN201510448443.1A CN201510448443A CN105608572A CN 105608572 A CN105608572 A CN 105608572A CN 201510448443 A CN201510448443 A CN 201510448443A CN 105608572 A CN105608572 A CN 105608572A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
The invention provides an NFC-based payment method, an NFC-based payment system and a terminal. The NFC-based payment method comprises the steps of: acquiring a currently recommended payment path; judging whether the currently recommended payment path is identical with a preset payment path; completing an NFC-based payment process according to the preset payment path when judging that the currently recommended payment path is identical with the preset payment path; selecting a target payment path according to a received selection command when judging that the currently recommended payment path is not identical with the preset payment path; and completing an NFC-based payment process according to the target payment path. By adopting the NFC-based payment method, the NFC-based payment system and the terminal, the optimal payment path can be selected more intuitively and quickly, the payment flexibility is improved, tedious payment path setup operation is avoided, user operation is simplified, automatic updating of a default payment path can be completed, and thereby user experience is enhanced.
Description
Technical field
The present invention relates to communication technical field, in particular to a kind of payer based on NFCMethod, a kind of payment system and a kind of terminal based on NFC.
Background technology
At present, along with the rise of mobile payment, based on NFC (NearFieldCommunication,Near-field communication) means of payment of technology is more and more universal, and conventional payment scheme is mainly utilized at presentMobile phone terminal is modeled as card: HCE (Host-basedCardEmulation, a base by NFC technologyIntend in the snap gauge of main frame, by software in ApplicationProcessor (AP, application program processingDevice) in simulate a sheet smart card, i.e. Cartridge simulation) scheme, eNFC (enhancedNFC, enhanced near field communication) scheme (is the NFC-USIM that current mobile operator adopts(UniversalSubscriberIdentityModule, global Subscriber Identity Module) card payment scheme,Enciphered message is deposited in to the mobile payment scheme in usim card) and full terminal scheme, respectively asShown in Fig. 1.
In Fig. 1, passage 1 is HCE, in AP, fictionalizes snap gauge by the form of software and intends;The snap gauge simulation models that passage 2 and 3 is eNFC, by NFC according to SWP (SingleWireProtocol, single-wire-protocol) agreement and usim card communicate, and by key, wallet enciphered messageDeng being stored in usim card, this scheme is the payment scheme of promoting mainly of current operator; Passage 4 is eventually completeEnd scheme, comprise built-in eSE (enhancedSecurityElement, enhancement mode security module) andTwo kinds of patterns of external eSE, mainly encrypt some important informations to be stored in the different sector of eSE,Mainly comprise that at present Unionpay and Alipay etc. are promoting use. In the time carrying out means of payment selection, according toPay routing table and select the different means of payment.
In the double-card dual-standby system of support NFC, at least comprise two eSE modules, traditional pathSelection is: when mobile phone is during near POS (point of sale) machine, and NFCC (NFCController, NFCController) obtain the SE default route value arranging in payment routing table, thus select corresponding SE mouldPiece, and if need to change default path, need user to exit current payment and re-start setting,Therefore exist in the time can not well meeting consumers' demand in acquiescence payment path (such as different payment modulePreferential strategy different, need to select most favorable payment path, or pay path remaining sum when acquiescenceIn the situations such as deficiency, cannot complete while payment), user can not conveniently be undertaken by system desktopSwitch the problem that pays path.
Therefore, need a kind of technical scheme that can make the quick selection neatly of user pay path, with letterChange user's operation, and can complete the automatic renewal of default path, with the optimization in the path of guaranteeing paymentArrange and improve the flexibility paying, thereby lifting pays efficiency and user experiences.
Summary of the invention
The present invention, just based on the problems referred to above, has proposed a kind of new technical scheme, can be more directly perceivedSelect efficiently the optimum path that pays, improved the flexibility paying, avoided loaded down with trivial details payment simultaneouslyPath setting operation, has simplified user's operation, and can complete the automatic renewal in acquiescence payment path, fromExperience and promoted payment efficiency and user.
In view of this, a first aspect of the present invention has proposed a kind of method of payment based on NFC, forTerminal, comprising: obtain current recommendation and pay path; Judge described current recommendation pay path whether with in advanceIf it is identical to pay path; Identical with described default payment path when judging that described current recommendation pays pathTime, complete the payment process based on NFC according to described default payment path; When judging described current recommendationWhen payment path is different from described default payment path, pay according to the select command select target receivingPath; Pay path according to described target and complete the described payment process based on NFC.
In this technical scheme, whether the current recommendation getting by judgement pays path and props up with defaultPay path (acquiescence pays path) identical, and determine the payment path based on NFC according to result of determination,Wherein, pay path corresponding with the SE module in terminal, select to pay path and refer to select in terminalThe path which SE module is corresponding, particularly, when judging that current recommendation pays path and pays with defaultWhen path is identical, complete payment according to the default path that pays, and when judge current recommendation pay path withWhen default payment path is different, pay path, described selection according to the select command select target receivingOrder can be both that user sends, and can be also that terminal itself sends. Can be according to active userActual needs select target pay path, or by terminal according to preset rules select target pay roadFootpath, obviously, this target pays path can be identical with current recommendation payment path, also can be different, soComplete and prop up according to the select command select target payment path being sent by user or terminal receiving afterwardsPay, so, compared with prior art, can realize and more intuitively select efficiently the optimum road that paysFootpath, has improved the flexibility paying, and has avoided loaded down with trivial details payment path setting operation, has simplified userOperation, thus user's experience promoted.
In technique scheme, preferably, described in obtain current recommendation and pay path and specifically comprise:Receive and pay request signal; Described payment request signal is resolved and obtained current payment information, with rootAttribute information according to each the payment path in described current payment information and described terminal obtains described working asFront recommendation pays path.
In this technical scheme, by payment request signal to receiving (such as receiving POS machinePay request signal) resolve, obtain current payment information (such as the amount of money of swiping the card), so that in terminalAP system pay path according to current payment information and each attribute information (such as preferential degree letterBreath and balance amount information) obtain current recommendation payment path (optimum payment path), so, realize logicalCross the interim scheme of selecting optimum payment path of AP end, realized the tool that pays path according to differenceBody information is to the optimum scheme that pays path of user's real time propelling movement, with in conventional art according to default route valueDetermine that paying path compares, and has improved and has paid the flexibility of Path selection, and then promoted payment efficiencyExperience with user.
In technique scheme, preferably, before described reception pays request signal, also bagDraw together: judge whether described active user's identity information mates with default authorization information; Judging described working asWhen front user's identity information mates with described default authorization information, control and receive described payment request letterNumber, to carry out the described payment process based on NFC; In identity information and the institute of judging described active userWhen stating default authorization information and not mating, prompting pays unsuccessfully.
In this technical scheme, user, in the time paying, first will carry out identity information checking, thanAs, carry out payment cipher input or user fingerprints information, iris information coupling, with the peace of guaranteeing to payQuan Xing, particularly, in the time that the identity information of judging active user mates with default authorization information, illustrates and works asFront user identity is safe, receives and pays request signal, and to carry out the payment process based on NFC,And in the time that the identity information of judging active user does not mate with default authorization information, active user's body is describedPart dangerous, be likely that malice pays, prompting pays unsuccessfully, like this, by being based on NFC'sPayment process increases the step of subscription authentication, has further improved the security paying.
In technique scheme, preferably, pay described in path completes according to described target describedAfter payment process based on NFC, also comprise: judge whether described target to pay path as describedStore in the default path that pays; In the time being judged to be to be, upgrade acquiescence corresponding to described default payment pathRouting value.
In this technical scheme, when user is different from default payment path in current recommendation payment path,Selected according to actual needs target to pay path, it can be that current recommendation pays road that target pays pathFootpath, also can not, completing after payment according to target payment path, judge whether target to payStore as the default path that pays in path, and in the time being judged to be to be, upgrade the default path pair that paysDefault route value in the payment routing table of answering, pays the default payment road of having stored acquiescence in routing tableThe information in footpath, can pay for next time time preferentially, if user wants to change default of acquiescencePay path, can select to upgrade according to prompting, can complete the default payment path of acquiescence moreNewly, compared with needing user to enter to arrange change operation in prior art, avoided loaded down with trivial details and propped upPay path setting operation, and can complete the automatic renewal in acquiescence payment path, thereby promoted userExperience.
In technique scheme, preferably, described when judging that described current recommendation pays path and instituteWhile stating default payment path difference, pay path according to the select command select target receiving, specifically bagDraw together: in the time judging that described current recommendation payment path is different from described default payment path, show and pay roadSelection interface, footpath; Paying Path selection interface according to described demonstration selects described target to pay path; AndDescribed payment Path selection interface comprises: described each payment path and described each payment pathAttribute information, wherein, described attribute information comprises: preferential degree information and balance amount information.
In this technical scheme, user, in the time paying, pays if current recommendation Zhi Fuyu is defaultPath difference directly shows and pays Path selection interface, and highlights current in user interfaceRecommend to pay path, for active user's select target payment according to actual needs path, obviously,This target pays path can be identical with current recommendation payment path, also can be different, and more straight to realizeThe optimum path that pays is selected in sight efficiently, in addition, pays in Path selection interface and lists each optionallyPay path and each and pay attribute information corresponding to path, particularly, attribute information comprises but notBe limited to preferential degree information and balance amount information, so, can make user pay according to actual needs roadThe selection in footpath, has improved the flexibility paying, and then has promoted user's experience, wherein, and concrete demonstration sideFormula has multiple, such as, can be to show with the form of drop-down menu, can be also attribute information is looped aroundAround counterpart expenditure path, those skilled in the art should know, as long as can realize the aobvious of this programmeShow mode, be all applicable to this programme.
According to a second aspect of the invention, a kind of payment system based on NFC has been proposed, for endEnd, comprising: acquisition module, pays path for obtaining current recommendation; Judge module, for judgingWhether identically with default payment path state current recommendation payment path; Payment module, described in ought judgingWhen current recommendation payment path is identical with described default payment path, complete according to described default payment pathBased on the payment process of NFC; Control module, for when judge described current recommendation pay path with described inWhen default payment path is different, controls according to the select command select target receiving and pay path; AndDescribed payment module also for: pay path according to described target and complete the described payment based on NFCJourney.
In this technical scheme, whether the current recommendation getting by judgement pays path and props up with defaultPay path (acquiescence pays path) identical, and determine the payment path based on NFC according to result of determination,Wherein, pay path corresponding with the SE module in terminal, select to pay path and refer to select in terminalThe path which SE module is corresponding, particularly, when judging that current recommendation pays path and pays with defaultWhen path is identical, complete payment according to the default path that pays, and when judge current recommendation pay path withWhen default payment path is different, pay path, described selection according to the select command select target receivingOrder can be both that user sends, and can be also that terminal itself sends. Can be according to active userActual needs select target pay path, or by terminal according to preset rules select target pay roadFootpath, obviously, this target pays path can be identical with current recommendation payment path, also can be different, soComplete and prop up according to the select command select target payment path being sent by user or terminal receiving afterwardsPay, so, compared with prior art, can realize and more intuitively select efficiently the optimum road that paysFootpath, has improved the flexibility paying, and has avoided loaded down with trivial details payment path setting operation, has simplified userOperation, thus user's experience promoted.
In technique scheme, preferably, described acquisition module specifically comprises: receiver module, usePay request signal in receiving; Parsing module, obtains working as for described payment request signal is resolvedFront payment information, to pay the genus in path according to each in described current payment information and described terminalProperty information obtain described current recommendation and pay path.
In this technical scheme, by payment request signal to receiving (such as receiving POS machinePay request signal) resolve, obtain current payment information (such as the amount of money of swiping the card), so that in terminalAP system pay path according to current payment information and each attribute information (such as preferential degree letterBreath and balance amount information) obtain current recommendation payment path (optimum payment path), so, realize logicalCross the interim scheme of selecting optimum payment path of AP end, realized the tool that pays path according to differenceBody information is to the optimum scheme that pays path of user's real time propelling movement, with in conventional art according to default route valueDetermine that paying path compares, and has improved and has paid the flexibility of Path selection, and then promoted payment efficiencyExperience with user.
In technique scheme, preferably, described judge module also for: pay in described receptionBefore request signal, judge whether described active user's identity information mates with default authorization information; WithAnd described receiver module specifically for: judging described active user's identity information and described default checkingWhen information matches, receive described payment request signal, to carry out the described payment process based on NFC; InstituteThe payment system of stating based on NFC also comprises: reminding module, and for the identity judging described active userWhen information is not mated with described default authorization information, prompting pays unsuccessfully.
In this technical scheme, user, in the time paying, first will carry out identity information checking, thanAs, carry out payment cipher input or user fingerprints information, iris information coupling, with the peace of guaranteeing to payQuan Xing, particularly, in the time that the identity information of judging active user mates with default authorization information, illustrates and works asFront user identity is safe, receives and pays request signal, and to carry out the payment process based on NFC,And in the time that the identity information of judging active user does not mate with default authorization information, active user's body is describedPart dangerous, be likely that malice pays, prompting pays unsuccessfully, like this, by being based on NFC'sPayment process increases the step of subscription authentication, has further improved the security paying.
In technique scheme, preferably, described judge module also for: described in described basisTarget payment path after completing the described payment process based on NFC judges whether described target to payStore as described default payment path in path; The described payment system based on NFC also comprises: moreNew module, for judging that described target is paid to path stores as described default payment pathTime, upgrade default route value corresponding to described default payment path.
In this technical scheme, when user is different from default payment path in current recommendation payment path,Selected according to actual needs target to pay path, it can be that current recommendation pays road that target pays pathFootpath, also can not, completing after payment according to target payment path, judge whether target to payStore as the default path that pays in path, and in the time being judged to be to be, upgrade the default path pair that paysDefault route value in the payment routing table of answering, pays the default payment road of having stored acquiescence in routing tableThe information in footpath, can pay for next time time preferentially, if user wants to change default of acquiescencePay path, can select to upgrade according to prompting, can complete the default payment path of acquiescence moreNewly, compared with needing user to enter to arrange change operation in prior art, avoided loaded down with trivial details and propped upPay path setting operation, and can complete the automatic renewal in acquiescence payment path, thereby promoted userExperience.
In technique scheme, preferably, described control module specifically comprises: display module, useIn in the time judging that described current recommendation payment path is different from described default payment path, control and show paymentPath selection interface; Select module, select described order for paying Path selection interface according to described demonstrationMark pays path; And described payment Path selection interface comprises: described each payment path and instituteState the attribute information in each payment path, wherein, described attribute information comprises: preferential degree information andBalance amount information.
In this technical scheme, user, in the time paying, pays if current recommendation Zhi Fuyu is defaultPath difference directly shows and pays Path selection interface, and highlights current in user interfaceRecommend to pay path, for active user's select target payment according to actual needs path, obviously,This target pays path can be identical with current recommendation payment path, also can be different, and more straight to realizeThe optimum path that pays is selected in sight efficiently, in addition, pays in Path selection interface and lists each optionallyPay path and each and pay attribute information corresponding to path, particularly, attribute information comprises but notBe limited to preferential degree information and balance amount information, so, can make user pay according to actual needs roadThe selection in footpath, has improved the flexibility paying, and then has promoted user's experience, wherein, and concrete demonstration sideFormula has multiple, such as, can be to show with the form of drop-down menu, can be also attribute information is looped aroundAround counterpart expenditure path, those skilled in the art should know, as long as can realize the aobvious of this programmeShow mode, be all applicable to this programme.
According to a third aspect of the invention we, propose a kind of terminal, having comprised: in technique schemeThe payment system based on NFC described in any one, therefore, this terminal has in technique scheme arbitraryAll beneficial effects of the payment system based on NFC described in, do not repeat them here.
By technical scheme of the present invention, can more intuitively select efficiently the optimum path that pays, carryLoaded down with trivial details payment path setting operation has been avoided in the high flexibility paying simultaneously, has simplified user behaviourDo, and can complete the automatic renewal in acquiescence payment path, thereby promoted payment efficiency and user's bodyTest.
Brief description of the drawings
Fig. 1 shows the signal of the mobile payment based on NFC of an embodiment in correlation techniqueFigure;
Fig. 2 shows the flow process of the method for payment based on NFC according to an embodiment of the inventionSchematic diagram;
Fig. 3 shows the frame of the payment system based on NFC according to an embodiment of the inventionFigure;
Fig. 4 shows the block diagram of terminal according to an embodiment of the invention;
Fig. 5 shows the stream of the method for payment based on NFC according to another embodiment of the inventionJourney schematic diagram.
Detailed description of the invention
In order more clearly to understand above-mentioned purpose of the present invention, feature and advantage, below in conjunction with attachedFigure and detailed description of the invention are further described in detail the present invention. It should be noted that, notIn the situation of conflict, the feature in the application's embodiment and embodiment can combine mutually.
Set forth in the following description a lot of details so that fully understand the present invention, still,The present invention can also adopt other to be different from other modes described here and implement, therefore, and the present inventionProtection domain be not subject to the restriction of following public specific embodiment.
Fig. 2 shows the flow process of the method for payment based on NFC according to an embodiment of the inventionSchematic diagram.
As shown in Figure 2, the method for payment based on NFC of one embodiment of the present of invention, for endEnd, comprising: step 202, and obtain current recommendation and pay path; Step 204, judges described current recommendationWhether identically with default payment path pay path; Step 206, when judging that described current recommendation pays roadWhen footpath is identical with described default payment path, complete the payment based on NFC according to described default payment pathProcess; Step 208 is different from described default payment path when judging that described current recommendation pays pathTime, pay path according to the select command select target receiving; Step 210, props up according to described targetPay path and complete the described payment process based on NFC.
In this technical scheme, whether the current recommendation getting by judgement pays path and props up with defaultPay path (acquiescence pays path) identical, and determine the payment path based on NFC according to result of determination,Wherein, pay path corresponding with the SE module in terminal, select to pay path and refer to select in terminalThe path which SE module is corresponding, particularly, when judging that current recommendation pays path and pays with defaultWhen path is identical, complete payment according to the default path that pays, and when judge current recommendation pay path withWhen default payment path is different, pay path, described selection according to the select command select target receivingOrder can be both that user sends, and can be also that terminal itself sends. Can be according to active userActual needs select target pay path, or by terminal according to preset rules select target pay roadFootpath, obviously, this target pays path can be identical with current recommendation payment path, also can be different, soComplete and prop up according to the select command select target payment path being sent by user or terminal receiving afterwardsPay, so, compared with prior art, can realize and more intuitively select efficiently the optimum road that paysFootpath, has improved the flexibility paying, and has avoided loaded down with trivial details payment path setting operation, has simplified userOperation, thus user's experience promoted.
In technique scheme, preferably, described step 202 specifically comprises: receive the request of paymentSignal; Described payment request signal is resolved and obtained current payment information, with according to described currentThe attribute information that each in the information of paying and described terminal pays path obtains described current recommendation payment roadFootpath.
In this technical scheme, by payment request signal to receiving (such as receiving POS machinePay request signal) resolve, obtain current payment information (such as the amount of money of swiping the card), so that in terminalAP system pay path according to current payment information and each attribute information (such as preferential degree letterBreath and balance amount information) obtain current recommendation payment path (optimum payment path), so, realize logicalCross the interim scheme of selecting optimum payment path of AP end, realized the tool that pays path according to differenceBody information is to the optimum scheme that pays path of user's real time propelling movement, with in conventional art according to default route valueDetermine that paying path compares, and has improved and has paid the flexibility of Path selection, and then promoted payment efficiencyExperience with user.
In technique scheme, preferably, before described reception pays request signal, also bagDraw together: judge whether described active user's identity information mates with default authorization information; Judging described working asWhen front user's identity information mates with described default authorization information, control and receive described payment request letterNumber, to carry out the described payment process based on NFC; In identity information and the institute of judging described active userWhen stating default authorization information and not mating, prompting pays unsuccessfully.
In this technical scheme, user, in the time paying, first will carry out identity information checking, thanAs, carry out payment cipher input or user fingerprints information, iris information coupling, with the peace of guaranteeing to payQuan Xing, particularly, in the time that the identity information of judging active user mates with default authorization information, illustrates and works asFront user identity is safe, receives and pays request signal, and to carry out the payment process based on NFC,And in the time that the identity information of judging active user does not mate with default authorization information, active user's body is describedPart dangerous, be likely that malice pays, prompting pays unsuccessfully, like this, by being based on NFC'sPayment process increases the step of subscription authentication, has further improved the security paying.
In technique scheme, preferably, after described step 210, also comprise: judgement isNoly described target is paid to path store as described default payment path; In the time being judged to be to be, moreDefault route value corresponding to new described default payment path.
In this technical scheme, when user is different from default payment path in current recommendation payment path,Selected according to actual needs target to pay path, it can be that current recommendation pays road that target pays pathFootpath, also can not, completing after payment according to target payment path, judge whether target to payStore as the default path that pays in path, and in the time being judged to be to be, upgrade the default path pair that paysDefault route value in the payment routing table of answering, pays the default payment road of having stored acquiescence in routing tableThe information in footpath, can pay for next time time preferentially, if user wants to change default of acquiescencePay path, can select to upgrade according to prompting, can complete the default payment path of acquiescence moreNewly, compared with needing user to enter to arrange change operation in prior art, avoided loaded down with trivial details and propped upPay path setting operation, and can complete the automatic renewal in acquiescence payment path, thereby promoted userExperience.
In technique scheme, preferably, described step 208 specifically comprises: when judging described working asWhen front recommendation payment path is different from described default payment path, shows and pay Path selection interface; According toDescribed demonstration pays Path selection interface and selects described target to pay path; And described payment Path selectionInterface comprises: the attribute information in described each payment path and described each payment path, itsIn, described attribute information comprises: preferential degree information and balance amount information.
In this technical scheme, user, in the time paying, pays if current recommendation Zhi Fuyu is defaultPath difference directly shows and pays Path selection interface, and highlights current in user interfaceRecommend to pay path, for active user's select target payment according to actual needs path, obviously,This target pays path can be identical with current recommendation payment path, also can be different, and more straight to realizeThe optimum path that pays is selected in sight efficiently, in addition, pays in Path selection interface and lists each optionallyPay path and each and pay attribute information corresponding to path, particularly, attribute information comprises but notBe limited to preferential degree information and balance amount information, so, can make user pay according to actual needs roadThe selection in footpath, has improved the flexibility paying, and then has promoted user's experience, wherein, and concrete demonstration sideFormula has multiple, such as, can be to show with the form of drop-down menu, can be also attribute information is looped aroundAround counterpart expenditure path, those skilled in the art should know, as long as can realize the aobvious of this programmeShow mode, be all applicable to this programme.
Fig. 3 shows the frame of the payment system based on NFC according to an embodiment of the inventionFigure.
As shown in Figure 3, the payment system based on NFC 300 of one embodiment of the present of invention, forTerminal, comprising: acquisition module 302, pays path for obtaining current recommendation; Judge module 304,Whether identically with default payment path be used for judging that described current recommendation pays path; Payment module 306,For in the time judging that described current recommendation payment path is identical with described default payment path, according to described pre-Complete the payment process based on NFC if pay path; Control module 308, for described current when judgingWhile recommending payment path different from described default payment path, control according to the select command receiving and selectTarget pays path; And described payment module 306 also for: pay path according to described target and completeThe described payment process based on NFC.
In this technical scheme, whether the current recommendation getting by judgement pays path and props up with defaultPay path (acquiescence pays path) identical, and determine the payment path based on NFC according to result of determination,Wherein, pay path corresponding with the SE module in terminal, select to pay path and refer to select in terminalThe path which SE module is corresponding, particularly, when judging that current recommendation pays path and pays with defaultWhen path is identical, complete payment according to the default path that pays, and when judge current recommendation pay path withWhen default payment path is different, pay path, described selection according to the select command select target receivingOrder can be both that user sends, and can be also that terminal itself sends. Can be according to active userActual needs select target pay path, or by terminal according to preset rules select target pay roadFootpath, obviously, this target pays path can be identical with current recommendation payment path, also can be different, soComplete and prop up according to the select command select target payment path being sent by user or terminal receiving afterwardsPay, so, compared with prior art, can realize and more intuitively select efficiently the optimum road that paysFootpath, has improved the flexibility paying, and has avoided loaded down with trivial details payment path setting operation, has simplified userOperation, thus user's experience promoted.
In technique scheme, preferably, described acquisition module 302 specifically comprises: receiver module3022, for receiving payment request signal; Parsing module 3024, for entering described payment request signalRow is resolved and is obtained current payment information, with according to each in described current payment information and described terminalThe attribute information that pays path obtains described current recommendation and pays path.
In this technical scheme, by payment request signal to receiving (such as receiving POS machinePay request signal) resolve, obtain current payment information (such as the amount of money of swiping the card), so that in terminalAP system pay path according to current payment information and each attribute information (such as preferential degree letterBreath and balance amount information) obtain current recommendation payment path (optimum payment path), so, realize logicalCross the interim scheme of selecting optimum payment path of AP end, realized the tool that pays path according to differenceBody information is to the optimum scheme that pays path of user's real time propelling movement, with in conventional art according to default route valueDetermine that paying path compares, and has improved and has paid the flexibility of Path selection, and then promoted payment efficiencyExperience with user.
In technique scheme, preferably, described judge module 304 also for: in described receptionPay before request signal, judge that whether described active user's identity information and default authorization informationJoin; And described receiver module 3022 specifically for: judging described active user's identity information and instituteWhile stating default authorization information coupling, receive described payment request signal, to carry out described propping up based on NFCThe process of paying; The described payment system 300 based on NFC also comprises: reminding module 310, and for judgingWhen described active user's identity information does not mate with described default authorization information, prompting pays unsuccessfully.
In this technical scheme, user, in the time paying, first will carry out identity information checking, thanAs, carry out payment cipher input or user fingerprints information, iris information coupling, with the peace of guaranteeing to payQuan Xing, particularly, in the time that the identity information of judging active user mates with default authorization information, illustrates and works asFront user identity is safe, receives and pays request signal, and to carry out the payment process based on NFC,And in the time that the identity information of judging active user does not mate with default authorization information, active user's body is describedPart dangerous, be likely that malice pays, prompting pays unsuccessfully, like this, by being based on NFC'sPayment process increases the step of subscription authentication, has further improved the security paying.
In technique scheme, preferably, described judge module 304 also for: in described basisDescribed target payment path judges whether described target after completing the described payment process based on NFCPaying path stores as described default payment path; The described payment system 300 based on NFC alsoComprise: more new module 312, for judging using described target payment path as described default payment roadWhen store in footpath, upgrade default route value corresponding to described default payment path.
In this technical scheme, when user is different from default payment path in current recommendation payment path,Selected according to actual needs target to pay path, it can be that current recommendation pays road that target pays pathFootpath, also can not, completing after payment according to target payment path, judge whether target to payStore as the default path that pays in path, and in the time being judged to be to be, upgrade the default path pair that paysDefault route value in the payment routing table of answering, pays the default payment road of having stored acquiescence in routing tableThe information in footpath, can pay for next time time preferentially, if user wants to change default of acquiescencePay path, can select to upgrade according to prompting, can complete the default payment path of acquiescence moreNewly, compared with needing user to enter to arrange change operation in prior art, avoided loaded down with trivial details and propped upPay path setting operation, and can complete the automatic renewal in acquiescence payment path, thereby promoted userExperience.
In technique scheme, preferably, described control module 308 specifically comprises: display module3082, in the time judging that described current recommendation payment path is different from described default payment path, controlShow and pay Path selection interface; Select module 3084, for paying Path selection circle according to described demonstrationFace selects described target to pay path; And described payment Path selection interface comprises: described eachThe attribute information that pays path and described each payment path, wherein, described attribute information comprises: excellentFavour degree information and balance amount information.
In this technical scheme, user, in the time paying, pays if current recommendation Zhi Fuyu is defaultPath difference directly shows and pays Path selection interface, and highlights current in user interfaceRecommend to pay path, for active user's select target payment according to actual needs path, obviously,This target pays path can be identical with current recommendation payment path, also can be different, and more straight to realizeThe optimum path that pays is selected in sight efficiently, in addition, pays in Path selection interface and lists each optionallyPay path and each and pay attribute information corresponding to path, particularly, attribute information comprises but notBe limited to preferential degree information and balance amount information, so, can make user pay according to actual needs roadThe selection in footpath, has improved the flexibility paying, and then has promoted user's experience, wherein, and concrete demonstration sideFormula has multiple, such as, can be to show with the form of drop-down menu, can be also attribute information is looped aroundAround counterpart expenditure path, those skilled in the art should know, as long as can realize the aobvious of this programmeShow mode, be all applicable to this programme.
Fig. 4 shows the block diagram of terminal according to an embodiment of the invention.
As shown in Figure 4, the terminal 400 of one embodiment of the present of invention, comprising: as above-mentioned technical sideThe payment system based on NFC 300 in case described in any one, therefore, this terminal 400 has above-mentioned skillAll beneficial effects of the payment system based on NFC 300 in art scheme described in any one, at this no longerRepeat.
Fig. 5 shows the stream of the method for payment based on NFC according to another embodiment of the inventionJourney schematic diagram.
As shown in Figure 5, the method for payment based on NFC of an alternative embodiment of the invention is concreteComprise:
Step 502, judges whether fingerprint (being active user's identity information) identification authentication is passed through,If passed through, by entering step 506, otherwise enter step 504.
Step 504, prompting Fail Transaction, is judging active user's identity information and default checking letterWhen breath does not mate, illustrating that active user's identity is dangerous, is likely that malice pays, and prompting paysFailure.
Step 506, opens NFCC (NFCController, NFC controller), receives POSMachine signal (receive and pay request signal).
Step 508, NFCC analyzes POS machine signal, resolves the amount of money of swiping the card, to paying request letterNumber resolve and to obtain current payment information.
Step 510, AP, according to each payment module (path) (being SE module) information, makesOptimal path (being that current recommendation pays path) is selected, and the AP system in terminal is according to currentThe information of paying and each attribute information (such as preferential degree information and balance amount information) that pays path obtainCurrent recommendation pays path, so, has realized by AP and has held the interim side of selecting optimum payment pathCase, has realized the specifying information that pays path according to difference to the optimum path that pays of user's real time propelling movementScheme, determines and pays compared with path with default route value in conventional art, has improved payment Path selectionFlexibility, experience thereby promoted payment efficiency and user.
Step 512, judges that whether optimal path is identical with default path (i.e. the default path that pays),If so, enter step 514, otherwise enter step 516.
Step 514, completes payment, identical with default payment path when judging that current recommendation pays pathTime, complete the payment process based on NFC according to the default path that pays.
Step 516, desktop ejects choice box (paying Path selection interface), and by optimal pathOutstanding mark, in the time judging that current recommendation payment path is different from default payment path, directly at endOn end subscriber interface, show and pay Path selection interface, wherein, highlight current recommendation and pay path,Final payment for you to choose path.
Step 518, selects to pay path (being that target pays path), and completes payment, currentUser according to actual needs select target pays path, and the target of then selecting according to active user is propped upPay path and complete the payment based on NFC.
Step 520, the prompting whether payment path of selection is set to acquiescence and pays path, ifBe, enter step 522, otherwise finish payment process.
Step 522, upgrades the default route value paying in routing table, and user pays road in current recommendationWhen footpath is different from default payment path, selected according to actual needs target to pay path, target paysPath can be that current recommendation pays path, also can not, complete and prop up according to target payment pathFu Hou, judges whether that target is paid to path stores as the default path that pays, and is being judged to beWhile being, upgrade the default default route value paying in payment routing table corresponding to path, pay routing tableThe information in middle default payment path of having stored acquiescence, can be for next time payment time preferentially, ifUser wants to change the default payment path of acquiescence, can select to upgrade according to prompting, can completeThe renewal in default payment path of acquiescence, and needs user to enter to arrange to change behaviour in prior artCompare, avoided loaded down with trivial details payment path setting operation, and can complete acquiescence payment path oneselfMoving renewal, thus user's experience promoted.
More than be described with reference to the accompanying drawings technical scheme of the present invention, more intuitively choosing efficientlySelect the optimum path that pays, improved the flexibility paying, avoided loaded down with trivial details payment path to arrange simultaneouslyOperation, has simplified user's operation, and can complete the automatic renewal in acquiescence payment path, thereby has promotedPaying efficiency and user experiences.
The foregoing is only the preferred embodiments of the present invention, be not limited to the present invention, forThose skilled in the art, the present invention can have various modifications and variations. All in essence of the present inventionWithin god and principle, any amendment of doing, be equal to replacement, improvement etc., all should be included in the present inventionProtection domain within.
Claims (11)
1. the method for payment based on NFC, for terminal, is characterized in that, comprising:
Obtain current recommendation and pay path;
Whether identically with default payment path judge that described current recommendation pays path;
In the time judging that described current recommendation payment path is identical with described default payment path, according to described pre-Complete the payment process based on NFC if pay path;
In the time judging that described current recommendation payment path is different from described default payment path, according to receivingSelect command select target pay path;
Pay path according to described target and complete the described payment process based on NFC.
2. the method for payment based on NFC according to claim 1, is characterized in that, described in obtainGetting current recommendation payment path specifically comprises:
Receive and pay request signal;
Described payment request signal is resolved and obtained current payment information, with according to described current paymentThe attribute information that each in information and described terminal pays path obtains described current recommendation payment roadFootpath.
3. the method for payment based on NFC according to claim 2, is characterized in that, describedBefore receiving payment request signal, also comprise:
Whether the identity information that judges described active user mates with default authorization information;
In the time that the identity information of judging described active user mates with described default authorization information, control and receiveDescribed payment request signal, to carry out the described payment process based on NFC;
In the time that the identity information of judging described active user does not mate with described default authorization information, promptingPay unsuccessfully.
4. the method for payment based on NFC according to claim 1, is characterized in that, describedAfter completing the described payment process based on NFC according to described target payment path, also comprise:
Judge whether that described target is paid to path stores as described default payment path;
In the time being judged to be to be, upgrade default route value corresponding to described default payment path.
5. according to the method for payment based on NFC described in any one in claim 2 to 4, its featureBe, described in the time judging that described current recommendation payment path is different from described default payment path, according toThe select command select target receiving pays path, specifically comprises:
In the time judging that described current recommendation payment path is different from described default payment path, show and pay roadSelection interface, footpath;
Paying Path selection interface according to described demonstration selects described target to pay path; And
Described payment Path selection interface comprises: described each payment path and described each paymentThe attribute information in path, wherein, described attribute information comprises: preferential degree information and balance amount information.
6. the payment system based on NFC, for terminal, is characterized in that, comprising:
Acquisition module, pays path for obtaining current recommendation;
Whether judge module is identical with default payment path for judging that described current recommendation pays path;
Payment module, for identical with described default payment path when judging that described current recommendation pays pathTime, complete the payment process based on NFC according to described default payment path;
Control module, for different from described default payment path when judging that described current recommendation pays pathTime, control according to the select command select target receiving and pay path; And
Described payment module also for: pay path according to described target and complete the described payment based on NFCProcess.
7. the payment system based on NFC according to claim 6, is characterized in that, described in obtainDelivery piece specifically comprises:
Receiver module, for receiving payment request signal;
Parsing module, for described payment request signal is resolved and obtained current payment information, with rootAttribute information according to each the payment path in described current payment information and described terminal obtains described working asFront recommendation pays path.
8. the payment system based on NFC according to claim 7, is characterized in that, described in sentenceDisconnected module also for: before described reception pays request signal, judge described active user's identity letterWhether breath mates with default authorization information; And
Described receiver module specifically for: judge described active user identity information with described preset testWhen card information matches, receive described payment request signal, to carry out the described payment process based on NFC;
The described payment system based on NFC also comprises:
Reminding module, for judging described active user's identity information and described default authorization information notWhen coupling, prompting pays unsuccessfully.
9. the payment system based on NFC according to claim 6, is characterized in that, described in sentenceDisconnected module also for: pay path according to described target and complete the described payment process based on NFC describedAfterwards, judge whether that described target is paid to path stores as described default payment path;
The described payment system based on NFC also comprises:
More new module, for judging that described target is paid to path carries out as described default payment pathWhen storage, upgrade default route value corresponding to described default payment path.
10. according to the payment system based on NFC described in any one in claim 7 to 9, its featureBe, described control module specifically comprises:
Display module, for different from described default payment path when judging that described current recommendation pays pathTime, control and show payment Path selection interface;
Select module, select described target to pay road for pay Path selection interface according to described demonstrationFootpath; And
Described payment Path selection interface comprises: described each payment path and described each paymentThe attribute information in path, wherein, described attribute information comprises: preferential degree information and balance amount information.
11. 1 kinds of terminals, is characterized in that, comprising: as described in any one in claim 6 to 10Based on the payment system of NFC.
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| CN201510448443.1A CN105608572A (en) | 2015-07-27 | 2015-07-27 | NFC-based payment method, NFC-based payment system and terminal |
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| CN201510448443.1A CN105608572A (en) | 2015-07-27 | 2015-07-27 | NFC-based payment method, NFC-based payment system and terminal |
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| CN105608572A true CN105608572A (en) | 2016-05-25 |
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| CN106325753A (en) * | 2016-08-26 | 2017-01-11 | 维沃移动通信有限公司 | Payment interface display method and mobile terminal |
| CN106600277A (en) * | 2016-11-18 | 2017-04-26 | 宇龙计算机通信科技(深圳)有限公司 | Method and terminal for adjusting ordering result of payment platforms |
| WO2018161224A1 (en) * | 2017-03-06 | 2018-09-13 | 华为技术有限公司 | Data processing method and related device |
| WO2020134654A1 (en) * | 2018-12-28 | 2020-07-02 | 中国银联股份有限公司 | Electronic payment method, apparatus and system and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106325753A (en) * | 2016-08-26 | 2017-01-11 | 维沃移动通信有限公司 | Payment interface display method and mobile terminal |
| CN106325753B (en) * | 2016-08-26 | 2019-12-03 | 维沃移动通信有限公司 | A kind of display methods and mobile terminal of payment interface |
| CN106600277A (en) * | 2016-11-18 | 2017-04-26 | 宇龙计算机通信科技(深圳)有限公司 | Method and terminal for adjusting ordering result of payment platforms |
| CN106600277B (en) * | 2016-11-18 | 2021-05-18 | 宇龙计算机通信科技(深圳)有限公司 | Method and terminal for adjusting payment platform sequencing |
| WO2018161224A1 (en) * | 2017-03-06 | 2018-09-13 | 华为技术有限公司 | Data processing method and related device |
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| WO2020134654A1 (en) * | 2018-12-28 | 2020-07-02 | 中国银联股份有限公司 | Electronic payment method, apparatus and system and storage medium |
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