CN105741106A - Selection method and device of NFC (Near Field Communication) payment way - Google Patents
Selection method and device of NFC (Near Field Communication) payment way Download PDFInfo
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- CN105741106A CN105741106A CN201610067914.9A CN201610067914A CN105741106A CN 105741106 A CN105741106 A CN 105741106A CN 201610067914 A CN201610067914 A CN 201610067914A CN 105741106 A CN105741106 A CN 105741106A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/352—Contactless payments by cards
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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- General Business, Economics & Management (AREA)
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Abstract
The invention discloses a selection method and device of a NFC (Near Field Communication) payment way. The method comprises the following steps: receiving a first instruction for selecting the NFC payment way, wherein the first instruction is input by a user, and the NFC payment way comprises the NFC payment way based on HCE (Host-based Card Emulation) or the NFC payment based on SE (Security Element); setting the enable state of a card corresponding to the NFC payment way selected by the user as an available state; receiving a second instruction that the user selects a first card from the card under the available state for payment; and according to the second instruction, selecting the first card to pay. The selection method and device of the NFC payment way is more convenient in operation and greatly improves the use experience of the user through a way that the trigger of an entity key is detected to dynamically switch the NFC movement payment.
Description
Technical field
The present invention relates to mobile payment technical field, particularly relate to system of selection and the device of a kind of NFC means of payment.
Background technology
NFC pays and refers to that consumer is when buying commodity or service, immediately adopts NFC technique (NearFieldCommunication) to complete to pay by handheld devices such as mobile phones, is emerging a kind of mobile payment mode.The process paid carries out at the scene, and online under carry out, it is not necessary to use mobile network, but use NFC radio-frequency channel to realize the local communication with the equipment such as POS cashing machine or automatic vending machine.The existing NFC means of payment includes the NFC means of payment based on HCE and the NFC means of payment based on SE.
SE (SecurityElement) i.e. security module, is mainly used in storage NFC application and user's sensitive data and realizes the chip module of safe key computing；It is the core of nfc card simulation.Security module communicates with exterior read-write equipment also by the non-front end that connects, it is achieved the safety of data storage and process of exchange.Tradition SE scheme needs to provide security module SE, SE provide the safety to sensitive information to store and trade transactions provides the execution environment of a safety, and SE is desirably integrated in SIM, SD card or chip for cell phone.
HCE (host-basedcardemulation) i.e. is Host Based card simulation.Card simulation is realized at a mobile phone being equipped with NFC function, SE need not be provided, but the function of SE is completed by the server of the application run in mobile phone or high in the clouds, the data that now NFC chip receives are by operating system or send to the application in mobile phone, or the server sent to high in the clouds by mobile network is completed alternately.
Existing Android4.4 introduces the support to HCE, namely on main frame, various card can be simulated with APP application program, it is achieved the function of host card simulation.Certainly, for other traditional SE analog card technology, Android is also compatible, and namely other the analog card technology based on SE can also use in the Android phone using HCE technology, and vice versa.As long as system supports HCE technology, or before Android4.4, the NFC terminal of version can support the host card analogue technique of HCE by edition upgrading to more than Android4.4.Therefore market can exist compatible HCE and the NFC terminal of tradition SE scheme.
In the NFC terminal of existing compatible tradition SE and HCE scheme, this compatibility of tradition SE and HCE is built upon on an AID route principle, namely NFC controller is internal preserves a routing table, list item is made up of AID and destination address, destination address both can be main frame (place that application program runs), it is also possible to be the security module (SE) being attached thereto.When NFC reader have sent the APDU of " SELECTAID ", NFC controller parses AID therein and retrieves in the routing table, has during corresponding coupling this APDU is delivered to corresponding destination address in routing table.
Existing scheme realizes the compatibility of tradition SE and HCE scheme by the AID routing table in NFC controller, but when all disposing same type of card application (such as fiscard) for tradition SE and HCE, will there is a problem selected.Being that the mode applied as consumption card by arranging acquiescence card in advance realizes in existing scheme, if needing switching can only revise acquiescence consume the mode of card application, mode of operation is loaded down with trivial details, poor user experience.
Summary of the invention
It is an object of the invention to provide the system of selection of a kind of NFC means of payment, it is therefore intended that solve the existing mode that the route handoff of mobile payment is consumed card only by amendment acquiescence and realize, the problem that mode of operation is loaded down with trivial details, Consumer's Experience is poor.
For solving above-mentioned technical problem, the present invention provides the system of selection of a kind of NFC means of payment, including:
Receiving first instruction selecting the NFC means of payment of user's input, the described NFC means of payment includes the NFC means of payment based on HCE or the NFC means of payment based on SE；
The enabled state of card corresponding for the NFC means of payment of user's selection is set to upstate；
Receive described user selects the first card to carry out the second instruction paid from the card of described upstate；
According to described second instruction, described first card is selected to pay.
Alternatively, the enabled state of described card corresponding to NFC means of payment user selected is set to upstate and includes:
NFC controller is addressed to card corresponding to the NFC means of payment that user selects, and the enabled state of the card that the NFC means of payment that described user selected is corresponding is set to upstate.
Alternatively, the enabled state of the card that described NFC means of payment user selected is corresponding also includes after being set to upstate:
The enabled state of card corresponding for the unselected NFC means of payment is set to disabled status.
Alternatively, the described user of described reception selects the second instruction that the first card carries out paying to include from the card of described upstate:
Retrieve the card that enabled state is upstate；
Receive described user selects the first card to carry out the second instruction paid from the card of described upstate.
Alternatively, it is key-press input that user inputs the mode of described first instruction, and described button is any one of the physical button of terminal, virtual key and suspension button.
Present invention also offers the selection device of a kind of NFC means of payment, including:
First receiver module, for receiving first instruction selecting the NFC means of payment of user's input, the described NFC means of payment includes the NFC means of payment based on HCE or the NFC means of payment based on SE；
Configuration module, for being set to upstate by the enabled state of card corresponding for the NFC means of payment of user's selection；
Second receiver module, selects the first card to carry out the second instruction paid for receiving described user from the card of described upstate；
Select module, for according to described second instruction, selecting described first card to pay.
Alternatively, described configuration module specifically for:
NFC controller is addressed to card corresponding to the NFC means of payment that user selects, and the enabled state of the card that the NFC means of payment that described user selected is corresponding is set to upstate.
Alternatively, described configuration module is additionally operable to:
The enabled state of card corresponding for the unselected NFC means of payment is set to disabled status.
Alternatively, described second receiver module includes:
Retrieval unit, for retrieving the card that enabled state is upstate；
Select unit, select the first card to carry out the second instruction paid from the card of described upstate for receiving described user.
Alternatively, it is key-press input that user inputs the mode of described first instruction, and described button is any one of the physical button of terminal, virtual key and suspension button.
The system of selection of the NFC means of payment provided by the present invention and device, by receiving first instruction selecting the NFC means of payment of user's input, including the NFC means of payment based on HCE or the NFC means of payment based on SE；The enabled state of card corresponding for the NFC means of payment of user's selection is set to upstate；Receive user selects the first card to carry out the second instruction paid from the card of upstate；According to the second instruction, the first card is selected to pay.The system of selection of the NFC means of payment provided by the present invention and device, by detecting the mode triggering switching at runtime NFC mobile payment of physical button, more convenient to operate, it is greatly improved the experience of user.
Accompanying drawing explanation
Technical scheme for the clearer explanation embodiment of the present invention or prior art, the accompanying drawing used required in embodiment or description of the prior art will be briefly described 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 premise not paying creative work, it is also possible to obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the flow chart of a kind of detailed description of the invention of the system of selection of the NFC means of payment provided by the present invention；
Fig. 2 be the system of selection of the NFC means of payment provided by the present invention another kind of detailed description of the invention in the flowchart of NFC discovery procedure；
Fig. 3 is the structured flowchart of a kind of detailed description of the invention selecting device of the NFC means of payment provided by the present invention.
Detailed description of the invention
In order to make those skilled in the art be more fully understood that the present invention program, below in conjunction with the drawings and specific embodiments, the present invention is described in further detail.Obviously, described embodiment is only a part of embodiment of the present invention, rather than whole embodiments.Based on the embodiment in the present invention, the every other embodiment that those of ordinary skill in the art obtain under not making creative work premise, broadly fall into the scope of protection of the invention.
The flow chart of a kind of detailed description of the invention of the system of selection of the NFC means of payment provided by the present invention is as it is shown in figure 1, the method includes:
Step S101: receiving first instruction selecting the NFC means of payment of user's input, the described NFC means of payment includes the NFC means of payment based on HCE or the NFC means of payment based on SE；
It is pointed out that user in the present invention inputs the mode of the first instruction can be any one or more in button, fingerprint, voice.The button adopted can be physical button, it is specifically as follows a physical button of existing terminal, it can also be the multiplexing of multiple physical button, combination such as Power key, the upper and lower key of volume and each key, certainly can also be any one of virtual key or suspension button, such as cruel key etc., this does not all affect the realization of the present invention.
The routing mode of payment is divided into the NFC means of payment based on HCE and the NFC means of payment based on SE by the present invention.Wherein, the NFC means of payment based on SE may further include again SIM and SD two ways.
Step S102: the enabled state of card corresponding for the NFC means of payment of user's selection is set to upstate；
Step S103: receive described user and select the first card to carry out the second instruction paid from the card of described upstate；
Step S104: according to described second instruction, selects described first card to pay.
The system of selection of the NFC means of payment provided by the present invention, by receiving first instruction selecting the NFC means of payment of user's input, including the NFC means of payment based on HCE or the NFC means of payment based on SE；The enabled state of card corresponding for the NFC means of payment of user's selection is set to upstate；Receive user selects the first card to carry out the second instruction paid from the card of upstate；According to the second instruction, the first card is selected to pay.The system of selection of the NFC means of payment provided by the present invention and device, by detecting the mode triggering switching at runtime NFC mobile payment of physical button, more convenient to operate, it is greatly improved the experience of user.
On the basis of above-described embodiment, the system of selection of the NFC means of payment provided by the present invention receive user's input select the NFC means of payment the first instruction can particularly as follows:
Receive user by the triggering command of same key-press input, determine current mobile payment mode according to the number of times of button according to preset order.
In the present embodiment, user needs to arrange physical button and controls the function of NFC route handoff, and after this function enables, user can carry out NFC route handoff by this physical button.When the quantity of button is one, it is possible to switch over by clicking the number of times of this button.During as clicked for the first time, switch to the NFC means of payment based on SE；When second time is clicked, switch to the NFC means of payment based on HCE；When third time is clicked, switch to the NFC means of payment based on SE ... further, when terminal is equipped with more than two kinds of means of payment, can sequentially click and switch over.
In the present embodiment, can further include after receiving first instruction selecting the NFC means of payment of user's input:
Current mobile payment mode is shown at terminal interface.
On the basis of any of the above-described embodiment, the enabled state of card corresponding to NFC means of payment user selected in step S102 is set to upstate can particularly as follows: be addressed to the card that the NFC means of payment that user selects is corresponding by NFC controller, and the enabled state of the card that the NFC means of payment that described user selected is corresponding is set to upstate.
Further, after the enabled state of card corresponding to NFC means of payment user selected is set to upstate, it is also possible to including: the enabled state of card corresponding for the unselected NFC means of payment is set to disabled status.
When receiving user and selecting the first card to carry out the second instruction paid from the card of upstate, as a kind of detailed description of the invention, it is possible to by retrieving the card that enabled state is upstate；Receive user selects the first card to carry out the second instruction paid from the card of described upstate.
As a specific embodiment, it is possible to be addressed by the routing table pre-build, it is determined that card corresponding to the NFC means of payment that user selects.Specifically, in NFC controller, payment application one AID routing table of establishment of installation can be downloaded according to user, for storing the storage position of each application, route purpose and enabled state information, as shown in the routing table of 1 one kinds of detailed description of the invention of table.The user that illustrates in table deploys 4 card application, and 1 and 4 are deployed on HCE, and 2 and 3 dispose on the sim card.
Table 1
| AID identifies | Route purpose | Enabled state |
| 1 | HCE | Enable/Disable |
| 2 | SIM | Enable/Disable |
| 3 | SIM | Enable/Disable |
| 4 | HCE | Enable/Disable |
Below in conjunction with table 1, the implementation process of the another kind of detailed description of the invention of the system of selection of the NFC means of payment provided by the present invention is explained in further detail.When the selection one from multiple mobile payment mode of reception user's input is as the triggering command of current mobile payment mode, NFC controller is addressed to card corresponding to the means of payment that user selects, the present embodiment is addressed especially by above-mentioned routing table, the route purpose of NFC controller is configured to the route purpose that this mobile payment mode is corresponding, after configuration successful, the enabled state that the card belonging to this mobile payment mode in AID routing table is applied is revised as upstate, it is revised as " Enable " by enabled state in table 1, other cards are then set to " Disable ".Such as when user's click keys switches to the SWP-SIM means of payment, the route purpose of NFC controller is configured to SIM by system, revising AID routing table after success, the enabled state that the card by 2 and 3 is applied is set to " Enable ", and the card application of 1 and 4 is revised as " Disable ".So when moving payment, the discovery procedure of NFC only has the card being in " Enable " state and just can be responded.Specifically at the flowchart of NFC discovery procedure as shown in Figure 2.
This process includes:
Step S201:NFC controller receives the discovery request of external card reader；
Step S202: retrieve from AID routing table and whether there is the card that card mode is " Enable " and apply；If it is, enter step S203；If it is not, then enter step S204；
Step S203: the AID that the card being in " Enable " state is applied is responded to external reader, is routed to subsequent transaction in the card application of counterpart expenditure mode SE and completes to pay；
Step S204: terminate.
The method controlling NFC routing strategy by physical button that the embodiment of the present invention provides, mainly through detection physical button trigger switching at runtime NFC mobile payment routing policy, as the NFC means of payment based on SE and based on the NFC means of payment of HCE between toggle.
Below the selection device of the NFC means of payment that the embodiment of the present invention provides being introduced, the selection device of the NFC means of payment described below can mutually to should refer to the system of selection of the above-described NFC means of payment.
The structured flowchart selecting device of the NFC means of payment that Fig. 3 provides for the embodiment of the present invention, the selection device with reference to Fig. 3 NFC means of payment may include that
First receiver module 100, for receiving first instruction selecting the NFC means of payment of user's input, the described NFC means of payment includes the NFC means of payment based on HCE or the NFC means of payment based on SE；
Configuration module 200, for being set to upstate by the enabled state of card corresponding for the NFC means of payment of user's selection；
Second receiver module 300, selects the first card to carry out the second instruction paid for receiving described user from the card of described upstate；
Select module 400, for according to described second instruction, selecting described first card to pay.
As a kind of detailed description of the invention, configuring module 200 in the selection device of the NFC means of payment provided by the present invention can be specifically for:
NFC controller is addressed to card corresponding to the NFC means of payment that user selects, and the enabled state of the card that the NFC means of payment that described user selected is corresponding is set to upstate.
Further, above-mentioned configuration module 200 can be also used for:
The enabled state of card corresponding for the unselected NFC means of payment is set to disabled status.
As a kind of detailed description of the invention, in the selection device of the NFC means of payment provided by the present invention, the second receiver module 300 can specifically include:
Retrieval unit, for retrieving the card that enabled state is upstate；
Select unit, select the first card to carry out the second instruction paid from the card of described upstate for receiving described user.
As a kind of detailed description of the invention, in the selection device of the NFC means of payment provided by the present invention, user inputs the mode of described first instruction is key-press input, and button can be any one of the physical button of terminal, virtual key and suspension button.
The selection device of the NFC means of payment provided by the present invention, by receiving first instruction selecting the NFC means of payment of user's input, including the NFC means of payment based on HCE or the NFC means of payment based on SE；The enabled state of card corresponding for the NFC means of payment of user's selection is set to upstate；Receive user selects the first card to carry out the second instruction paid from the card of upstate；According to the second instruction, the first card is selected to pay.The selection device of the NFC means of payment provided by the present invention, by detecting the mode triggering switching at runtime NFC mobile payment of physical button, more convenient to operate, it is greatly improved the experience of user.
In this specification, each embodiment adopts the mode gone forward one by one to describe, and what each embodiment stressed is the difference with other embodiments, between each embodiment same or similar part mutually referring to.For device disclosed in embodiment, owing to it corresponds to the method disclosed in Example, so what describe is fairly simple, relevant part illustrates referring to method part.
Professional further appreciates that, the unit of each example described in conjunction with the embodiments described herein and algorithm steps, can with electronic hardware, computer software or the two be implemented in combination in, in order to clearly demonstrate the interchangeability of hardware and software, generally describe composition and the step of each example in the above description according to function.These functions perform with hardware or software mode actually, depend on application-specific and the design constraint of technical scheme.Professional and technical personnel specifically can should be used for using different methods to realize described function to each, but this realization is it is not considered that beyond the scope of this invention.
The method described in conjunction with the embodiments described herein or the step of algorithm can directly use the software module that hardware, processor perform, or the combination of the two is implemented.Software module can be placed in any other form of storage medium known in random access memory (RAM), internal memory, read only memory (ROM), electrically programmable ROM, electrically erasable ROM, depositor, hard disk, moveable magnetic disc, CD-ROM or technical field.
System of selection and device to the NFC means of payment provided by the present invention are described in detail above.Principles of the invention and embodiment are set forth by specific case used herein, and the explanation of above example is only intended to help to understand method and the core concept thereof of the present invention.It should be pointed out that, for those skilled in the art, under the premise without departing from the principles of the invention, it is also possible to the present invention carries out some improvement and modification, these improve and modify in the protection domain also falling into the claims in the present invention.
Claims (10)
1. the system of selection of a NFC means of payment, it is characterised in that including:
Receiving first instruction selecting the NFC means of payment of user's input, the described NFC means of payment includes the NFC means of payment based on HCE or the NFC means of payment based on SE；
The enabled state of card corresponding for the NFC means of payment of user's selection is set to upstate；
Receive described user selects the first card to carry out the second instruction paid from the card of described upstate；
According to described second instruction, described first card is selected to pay.
2. the system of selection of the NFC means of payment as claimed in claim 1, it is characterised in that the enabled state of the card that described NFC means of payment user selected is corresponding is set to upstate and includes:
NFC controller is addressed to card corresponding to the NFC means of payment that user selects, and the enabled state of the card that the NFC means of payment that described user selected is corresponding is set to upstate.
3. the system of selection of the NFC means of payment as claimed in claim 2, it is characterised in that the enabled state of the card that described NFC means of payment user selected is corresponding also includes after being set to upstate:
The enabled state of card corresponding for the unselected NFC means of payment is set to disabled status.
4. the system of selection of the NFC means of payment as claimed in claim 2 or claim 3, it is characterised in that the described user of described reception selects the second instruction that the first card carries out paying to include from the card of described upstate:
Retrieve the card that enabled state is upstate；
Receive described user selects the first card to carry out the second instruction paid from the card of described upstate.
5. the system of selection of the NFC means of payment as claimed in claim 4, it is characterised in that it is key-press input that user inputs the mode of described first instruction, and described button is any one of the physical button of terminal, virtual key and suspension button.
6. the selection device of a NFC means of payment, it is characterised in that including:
First receiver module, for receiving first instruction selecting the NFC means of payment of user's input, the described NFC means of payment includes the NFC means of payment based on HCE or the NFC means of payment based on SE；
Configuration module, for being set to upstate by the enabled state of card corresponding for the NFC means of payment of user's selection；
Second receiver module, selects the first card to carry out the second instruction paid for receiving described user from the card of described upstate；
Select module, for according to described second instruction, selecting described first card to pay.
7. the selection device of the NFC means of payment as claimed in claim 6, it is characterised in that described configuration module specifically for:
NFC controller is addressed to card corresponding to the NFC means of payment that user selects, and the enabled state of the card that the NFC means of payment that described user selected is corresponding is set to upstate.
8. the selection device of the NFC means of payment as claimed in claim 7, it is characterised in that described configuration module is additionally operable to:
The enabled state of card corresponding for the unselected NFC means of payment is set to disabled status.
9. the selection device of the NFC means of payment as claimed in claim 7 or 8, it is characterised in that described second receiver module includes:
Retrieval unit, for retrieving the card that enabled state is upstate；
Select unit, select the first card to carry out the second instruction paid from the card of described upstate for receiving described user.
10. the selection device of the NFC means of payment as claimed in claim 9, it is characterised in that it is key-press input that user inputs the mode of described first instruction, and described button is any one of the physical button of terminal, virtual key and suspension button.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610067914.9A CN105741106A (en) | 2016-01-29 | 2016-01-29 | Selection method and device of NFC (Near Field Communication) payment way |
| PCT/CN2016/078007 WO2017128516A1 (en) | 2016-01-29 | 2016-03-31 | Nfc payment method selection method and apparatus, and terminal |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610067914.9A CN105741106A (en) | 2016-01-29 | 2016-01-29 | Selection method and device of NFC (Near Field Communication) payment way |
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| CN110020569A (en) * | 2019-03-11 | 2019-07-16 | 华为技术有限公司 | Automatically select method, electronic equipment and the communication system of NFC analog card |
| CN110648131A (en) * | 2019-08-27 | 2020-01-03 | Oppo广东移动通信有限公司 | Near field communication-based card swiping method and device, electronic equipment and storage medium |
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| CN111932245A (en) * | 2020-07-24 | 2020-11-13 | 中国银联股份有限公司 | Data processing method, device, equipment and medium |
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| CN111107525B (en) * | 2019-04-26 | 2022-01-14 | 华为技术有限公司 | Automatic routing method of SE (secure element) and electronic equipment |
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