CN105868978A - NFC mobile payment method and system thereof - Google Patents
NFC mobile payment method and system thereof Download PDFInfo
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- CN105868978A CN105868978A CN201610180334.0A CN201610180334A CN105868978A CN 105868978 A CN105868978 A CN 105868978A CN 201610180334 A CN201610180334 A CN 201610180334A CN 105868978 A CN105868978 A CN 105868978A
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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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/326—Payment applications installed on the mobile devices
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Abstract
The invention provides an NFC mobile payment method and a system thereof. The method includes the following steps: an NFC device and a smart mobile terminal establish a communication link through an earphone interface; the smart mobile terminal selects a payment card; the smart mobile terminal determines whether the NFC device stores card information of the payment card; if the NFC device stores card information of the payment card, the NFC device simulates the payment card for payment operation; if the NFC device does not store card information of the payment card, the smart mobile terminal transmits the card information of the payment card to the NFC device; the NFC device writes in the card information and simulates the payment card for payment operation. According to the invention, the method, through a universal earphone interface in external connection to the NFC device, enables the smart mobile terminal to have an NFC mobile payment function. The method at the same time supports invoking usage among a plurality of payment cards. The system effectively reduces cards held by a user, meets consumption demand of the user, and brings plenty of benefits to the user and better consumption experience.
Description
Technical field
The present invention relates to wireless communication field, particularly relate to a kind of NFC method of mobile payment and system thereof.
Background technology
NFC technology is short-distance wireless communication technology, be in radio frequency identification (RFID) and
The new technique developed and come is merged on the basis of Internet technology.It is integrated with Non-contact Media Reader, noncontact
Formula smart card and point-to-point function, can set up the connection between equipment, current transmission in the range of about 20cm
Speed can reach 424Kbit/s, and is also improving constantly.
NFC device mainly provides two kinds of mode of operations, and the first is aggressive mode, NFC device under this pattern
Use as card reader, actively send radiofrequency signal and go to identify and the other NFC device of read/write, as being applied to
POS；The second is Passive Mode, i.e. card simulation mode of operation, and under this pattern, NFC device is as intelligence
Blocking by read/write, passive response in the radio-frequency field that other NFC device send, as being applied to mobile payment intelligence
On card.
Mobile payment is one of application scenarios maximum for NFC, shows according to data analysis, gold based on NFC
Melting transaction will the current financial sector of innovation, by 2017 financial transaction based on NFC technique will rise suddenly and sharply to
191000000000 yuan.Along with more intelligent mobile terminals support NFC function, it is contemplated that NFC application will be by greatly
Amount is ignited.And the current Consumer's Experience of NFC payment technology bad, the biggest reason is all attributed to 2 points,
First, the most a lot of intelligent mobile terminals do not support NFC function, do not configure NFC module inside it,
Need the sim card possessing NFC function to carrier customization, mobile phone could be allowed to possess NFC function, or need
The hardware configuration of interior of mobile phone to be changed, inserts NFC module, and the holding concurrently of NFC module and mobile phone hardware circuit
Appearance problem is the biggest problem；Second, the NFC mobile phone after NFC module and handset compatibility and outside NFC
Polling device is not the most compatible.
The patent application that public announcement of a patent application number is CN 102810191A discloses a kind of NFC system, its shifting
Dynamic payment and charging method, specifically disclose the mobile terminal communicated to connect by earphone interface and external NFC
Device, by the userspersonal information of the exclusive identification code UID code of storage in external NFC device with mobile terminal
Associate in advance, thus realize mobile payment, it is to avoid the leakage of userspersonal information.But the NFC of the program
Equipment realizes mobile payment by tag circuit, and his NFC device can only store a label information, i.e. only
Can store the card information of a card, a NFC device can only associate a card, it is impossible to complete by different cards information
Becoming to pay, the means of payment is limited to.
Number of patent application is that the patent application of CN 102857631A discloses a kind of mobile phone and utilizes earphone jack to read
Take the method and system of RFID/NFC label, specifically disclose and according to the simulation of embedded in mobile phone software, numeral is believed
Number being converted into the analogue signal transmitted by earphone jack, reconvert controls RFID/NFC after becoming digital signal
Module for reading and writing reads label information, it is achieved anti-fake certificate.System include built-in mobile phone embedded software module and
External module for reading and writing；Module for reading and writing include demodulator circuit, modulation circuit, microcontroller, RFID NFC read
Write chip and antenna.The module for reading and writing of the program is NFC active communication mode of operation, i.e. NFC module conduct
Card reader uses, and needs to include modulation-demodulation circuit, and mode of operation is different.
Summary of the invention
The technical problem to be solved is: provides a kind of NFC method of mobile payment and system thereof, makes
Intelligent mobile terminal possesses NFC function, improves compatibility simultaneously.
In order to solve above-mentioned technical problem, the technical solution used in the present invention is:
A kind of NFC method of mobile payment, including:
NFC device and intelligent mobile terminal set up communication link by earphone interface；
Intelligent mobile terminal selects a Payment Card；
Intelligent mobile terminal judges whether described NFC device stores the card information of described Payment Card；
The most then the described Payment Card of NFC device simulation carries out delivery operation；
If it is not, then intelligent mobile terminal sends the card information of described Payment Card to NFC device；
NFC device writes described card information, and simulates described Payment Card and carry out delivery operation.
Another technical scheme that the present invention provides is:
A kind of NFC mobile-payment system, including having the intelligent mobile terminal of earphone jack and having earphone
The NFC device of plug；
Described intelligent mobile terminal, for selecting a Payment Card；For judging whether described NFC device stores
There is the card information of described Payment Card；If it is no for being additionally operable to judged result, send the card information of described Payment Card extremely
NFC device；
Described NFC device includes:
CPU central processing module, for receiving the card information of the described Payment Card that intelligent mobile terminal sends,
And control to write described card information to NFC module；
NFC module, is used for writing described card information, and simulates described Payment Card and carry out delivery operation.
The beneficial effects of the present invention is: the present invention provides a kind of mobile payment side based on NFC simulator
Method, both need not change intelligent mobile terminal internal hardware structure, have NFC merit without to carrier customization
The SIM of energy, utilizes the external NFC device of general earphone interface, intelligent mobile terminal just can be made to possess
NFC function, as NFC simulator；Improve the compatibility of NFC device and intelligent mobile terminal, with
And the compatibility between NFC intelligent mobile terminal and NFC polling device；Effectively reduce user's amount of holding, real
Now card based on NFC simulator simulation mobile payment；Further, also support the compatibility of multiple Payment Cards,
Facilitate user to dispatch use between multiple Payment Cards, meet the consumption demand of user, bring for user more
Convenient, and better consumption experience.
Accompanying drawing explanation
Fig. 1 is the structural representation of the present invention a kind of NFC mobile-payment system；
Fig. 2 is the structural representation of the embodiment of the present invention a kind of NFC mobile-payment system；
Fig. 3 is the information interaction figure of the embodiment of the present invention a kind of NFC method of mobile payment.
Label declaration:
1, intelligent mobile terminal；3, NFC device；
11, earphone interface circuit；12, alarm sounds module；13, the second judge module；
14., trigger module；15, the first sending module；16, the second sending module；
17, the 3rd sending module；18, the first judge module；19, receiver module；
20, acquisition module；21, battery module；
31, CPU central processing module；32, antenna；33, NFC module；
34, earphone interface compatible circuit；
331, NFC chip；332, security module.
Detailed description of the invention
By describing the technology contents of the present invention in detail, being realized purpose and effect, below in conjunction with embodiment also
Accompanying drawing is coordinated to be explained.
The design of most critical of the present invention is: by the external NFC device of general headrest interface, make intelligent mobile
Terminal possesses NFC mobile payment function；Support that the scheduling between multiple Payment Cards uses.
The present invention provides a kind of NFC method of mobile payment, including:
NFC device and intelligent mobile terminal set up communication link by earphone interface；
Intelligent mobile terminal selects a Payment Card；
Intelligent mobile terminal judges whether described NFC device stores the card information of described Payment Card；
The most then the described Payment Card of NFC device simulation carries out delivery operation；
If it is not, then intelligent mobile terminal sends the card information of described Payment Card to NFC device；
NFC device writes described card information, and simulates described Payment Card and carry out delivery operation.
Knowable to foregoing description, the beneficial effects of the present invention is: the present invention solves NFC module and Intelligent sliding
The compatibling problem of dynamic terminal hardware circuit, utilizes general earphone interface just can set up and intelligent mobile terminal
Communication interaction, makes intelligent mobile terminal possess NFC function；Solve again NFC module and intelligent mobile simultaneously
NFC intelligent mobile terminal after terminal compatibility and the compatibling problem of outside NFC polling device；Do not change intelligence
Mobile terminal internal circuit configuration, not with embedded configuration NFC function, carries in the way of external NFC device
The high radio frequency induction intensity with outside NFC polling device；Further, according to current consumption demand, support
Multiple Payment Cards coexist use, by selected a certain Payment Card, just can allow the payment that NFC device simulation is selected
Card carries out delivery operation, it is possible to effectively reduces user and holds quantity, only needs an intelligent mobile terminal and NFC
Equipment, just can replace all of Payment Card, provides more facilities for consumer, it is provided that preferably consumption experience.
Furthermore, owing to the present invention comes what modulation /demodulation NFC device sended over without additional configuration modulation-demodulation circuit
Signal, the processor that can directly utilize NFC device realizes the modulation /demodulation of signal in a software form, optimizes
The functional structure of NFC device, and the processing mode of signal.
Refer to Fig. 3, further, the bag that takes a step forward of described " intelligent mobile terminal selects a Payment Card "
Include:
Intelligent mobile terminal obtains the card information of more than two Payment Cards, and described card information includes that card user believes
Breath and payment card information.
Seen from the above description, the present invention can be closed by the app application program installed on intelligent mobile terminal
Join more than two Payment Cards, obtain the card information of Payment Card, coordinate NFC device realize multiple Payment Cards it
Between select for the card account of current transaction payment.
Further, described " NFC device and intelligent mobile terminal set up communication link by earphone interface "
Particularly as follows:
NFC device is connected by earphone interface with intelligent mobile terminal；
Intelligent mobile terminal sends start and controls signal to NFC device, controls NFC device start.
Seen from the above description, the present invention can set up communication connection at intelligent mobile terminal with NFC device
Meanwhile, by sending control signal startup NFC device work.
Further, described " NFC device and intelligent mobile terminal set up communication link by earphone interface "
Afterwards, farther include:
Intelligent mobile terminal sends safety detection signal
No normally；
NFC device feedback security status signal is to intelligent mobile terminal；
According to described safe condition signal, intelligent mobile terminal judges that whether described NFC device is by security attack；
If it is not, then perform the described card information step judging whether described NFC device stores described Payment Card；
The most then carry out alarm sounds.
Seen from the above description, the present invention can confirm whether NFC device is suffered before carrying out payment transaction
Rogue attacks, only in the case of guaranteeing NFC device safety, ability continuous business, thus improve NFC
The safety of mobile payment.
Referring to Fig. 1 and Fig. 2, another technical scheme that the present invention provides is:
A kind of NFC mobile-payment system, including having the intelligent mobile terminal 1 of earphone jack and having ear
The NFC device 3 of machine transplanting of rice head；
Described intelligent mobile terminal 1, for selecting a Payment Card；For judging described NFC device 3 whether
Storage has the card information of described Payment Card；If it is no for being additionally operable to judged result, send the card letter of described Payment Card
Breath is to NFC device 3；
Described NFC device 3 includes:
CPU central processing module 31, for receiving the card letter of the described Payment Card that intelligent mobile terminal 1 sends
Breath, and control to write described card information to NFC module 33；
NFC module 33, is used for writing described card information, and simulates described Payment Card and carry out delivery operation.
Knowable to foregoing description, the beneficial effects of the present invention is: the NFC mobile-payment system of the present invention without
Need to change the hardware configuration of intelligent mobile terminal, but selected, the payment card information of Payment Card implemented in software
Judgement, transmission, just can be realized NFC function by general earphone interface, can preferably compatibility be on the market
Feel most of intelligent mobile terminal；External NFC device can be connect by earphone with intelligent mobile terminal
The existing communication interaction of cause for gossip, and support to write the card information of multiple Payment Cards, it is achieved according to demand flexible dispatching institute
The Payment Card needed completes delivery operation, thus improves payment and experience.
Further, described intelligent mobile terminal 1, it is additionally operable to obtain the card information of more than two Payment Cards, institute
State card information and include card user's information and payment card information.
Further, described intelligent mobile terminal 1, it is additionally operable to send start and controls signal to NFC device 3；
CPU central processing module 31, after being additionally operable to receive described start control signal, controls NFC device 3
Start.
Further, described intelligent mobile terminal 1, it is additionally operable to send safety detection signal to NFC device 3；
For judging that whether described NFC device 3 is by security attack according to safe condition signal；If for judging knot
Fruit is no, then judge whether described NFC device stores the card information of described Payment Card according to described instruction；
And for if the determination result is YES, then carry out alarm sounds.
From the foregoing, the NFC mobile-payment system of the present invention can detect before carrying out delivery operation
The safe condition of NFC device, it is ensured that the safety of transaction；CPU central processing module in NFC device 3
The information of intelligent mobile terminal 1 transmission can be understood by 31, and controls NFC module 33 according to information,
Simultaneously the most again can real-time feedback information to intelligent mobile terminal 1.
Further, described NFC device 3 also includes:
Antenna 32, for sensing the radio-frequency field that NFC polling device sends, sets up and sets with described NFC poll
Standby communication connection relation.
Seen from the above description, the antenna 32 of NFC device 3 sets with NFC poll for NFC snooping equipment
The interface of standby interactive signal.
Embodiment one
Refer to Fig. 1 and Fig. 2, the present embodiment provides a kind of NFC mobile-payment system, including:
There is the intelligent mobile terminal 1 of earphone jack and there is the NFC device 3 of headset plug；Described ear
Machine transplanting of rice hole and headset plug are suitable, for the most compatible most intelligent mobile terminals 1 on the market,
The most described headset plug uses earphone interface compatible circuit 34, and the most described earphone jack is general headrest
Jack；Described headset plug communicates to connect with described earphone jack；
Described intelligent mobile terminal 1 can be smart mobile phone, flat board or other possess the intelligence of headset plug
Mobile device.In the present invention, it is not necessary to change the internal circuit configuration of intelligent mobile terminal 1, only need to utilize
Its earphone interface circuit 11 connects peripheral hardware NFC device 3, then coordinates software functionality setting to realize；Excellent
Choosing, operate for convenience, can download for operation and the application program app of management at intelligent mobile terminal
With the use of；
The intelligent mobile terminal of the present embodiment can have a following functions module by software arrangements:
Acquisition module 20, for obtaining the card information of more than two Payment Cards, described card information includes the use that holds
Family information and payment card information；Described card user's information include the ID (identity number) card No. of user, phone number,
Work unit, home address and history consumption bill etc., payment card information include bank card number, pay close
Code, login password etc.；
Receiver module 19, for receiving the information of the selected Payment Card according to user's input, generates selected institute
State the instruction of Payment Card；User can be operated at the card information being associated with multiple Payment Cards by app
In analog card bag, the Payment Card of selected delivery operation to be used for, after selecting, described will be directly invoked
Pay the card information of card；Then generated the instruction selecting a Payment Card by app, send to intelligent mobile eventually
The processor of end carries out respective handling；
First judge module 18；Judge whether described NFC device has stored described Payment Card according to described instruction
Card information；After intelligent mobile terminal selectes a Payment Card, need to coordinate NFC device to complete delivery operation,
Accordingly, it would be desirable to the card information of the most stored Payment Card selected in confirmation NFC device, the most
Stored have described information, just can call the card information of described Payment Card for delivery operation.
First sending module 15, if the judged result for described first judge module 18 is no, sends described
The card information of Payment Card is to NFC device 3；If inquiring in NFC device 3, what not storage select props up
Pay the card information of card, then control to send described card information to NFC device 3, it is ensured that NFC mobile payment is handed over
Easily can carry out.
In aforesaid operations, the reception of instruction, triggering can be realized by the operation of application A PP；Tool
Body, the application program app that user can download good corresponding NFC mobile payment in advance and configure；Then lead to
Crossing app and associate Payment Card, the present invention supports the NFC delivery operation of multiple Payment Cards, can pass through app mono-
Secondary property associates the card information of multiple Payment Cards.
External NFC device 3 includes:
Antenna 32, for the interface of NFC snooping equipment Yu NFC polling device interactive signal；Detect as NFC
The described NFC device 3 listening equipment utilizes antenna 32 to sense the radio-frequency field that NFC polling device sends, and receives
The signal that described NFC polling device sends, and transmission signal is to NFC polling device, it is achieved leading to of the two
Letter is mutual；
In the present invention, described NFC snooping equipment is the external NFC device being operated in passive work mode
3；When being used in transaction payment scene, external NFC device 3 is read as Payment Card；Described NFC
Polling device can be the POS being operated in active work mode, as card-reading apparatus, reads NFC device
Interior card information.
CPU central processing module 31, for the information of intelligent mobile terminal transmission is understood, and foundation
This information controls NFC module and performs corresponding operation；And implement to feed back to intelligent mobile terminal, real
Now mutual with the information of intelligent mobile terminal；
NFC module 33, performs corresponding actions for the control signal according to CPU CPU, including
The write control signal sended over according to intelligent mobile terminal 1, writes the card information of a corresponding Payment Card extremely
In NFC module；And control to enter card simulation mode of operation, the Payment Card of simulation write carries out delivery operation.
Embodiment two:
The present embodiment is to extend expansion further on the basis of embodiment one；In order to ensure NFC mobile payment
Journey possesses higher-security, and the NFC mobile-payment system of the present embodiment is also equipped with safe condition detection function,
Concrete, it is achieved by:
Intelligent mobile terminal 1 also includes:
Second sending module 16, was used for before sending card information to NFC device, or NFC device 3
After start, the CPU central processing module 31 of transmission safety detection signal to NFC device 3, with detection
Whether the security module of NFC device 3 is by rogue attacks；
According to safe condition signal, second judge module 13, for judging that whether described NFC device is by safety
Attack；After intelligent mobile terminal 1, transmission safety monitoring signal to NFC device 3, feedback will be received
Safe condition signal, confirmed the safety of NFC device 3 by safe condition signal；
Trigger module 14, if the judged result for the second judge module 13 is no, then triggers first and judges mould
Block 18；I.e., only judge that NFC device 3, as time safe, just may proceed to the flow process of mobile payment, it is ensured that
The safety paid；
Alarm sounds module 12, if the judged result for the second judge module 13 is yes, then carries out alarm and carries
Show；If it is determined that NFC device 3 suffered rogue attacks, point out the most in time, shut the book simultaneously, it is to avoid hand over
Easily information is illegally stolen, and transaction makes mistakes.
At described NFC device end, described NFC module 33 includes NFC chip 331 and by safety chip structure
The security module 332 become；In described NFC device 3:
CPU central processing module 31, after receiving safety detection signal, whether inquiry security module
Normally；If security module is subjected to rogue attacks, attribute will change, and then as NFC device safety
Whether basis for estimation；And for generating feedback security status signal according to testing result, by safe condition
Signal feeds back to intelligent mobile terminal, it is achieved the confirmation of NFC device safe condition, it is ensured that mobile payment transaction
Safety.
NFC chip 331, for being transferred to the card letter of CPU central processing module 31 according to intelligent mobile terminal
Breath, controls NFC module 33 and enters card simulation mode of operation.
Embodiment three
The present embodiment is the further extension on the basis of embodiment two, and something in common is not repeated, in place of difference
It is:
Described intelligent mobile terminal 1 also includes:
3rd sending module 17, is used for sending start and controls signal to NFC device 3；
Battery module 21, for providing power supply for intelligent mobile terminal, common for rechargeable lithium ion batteries；
The CPU central processing module 31 of described NFC device 3, is additionally operable to receive described start control signal
After, control NFC device 3 and start shooting；Control to open NFC device 3 by the above-mentioned intelligent mobile terminal 1 that realizes；
Antenna 32, for sensing the radio-frequency field that NFC polling device sends, sets up and sets with described NFC poll
Standby communication connection relation；Concrete, after described NFC device 3 enters card simulation mode of operation, i.e. it is considered as
Payment Card；During moving transaction payment, need NFC polling device, such as POS swipe Payment Card
Card information, complete transaction；Therefore, intelligent mobile terminal 1 and the knot of NFC device 3 of Payment Card it are considered as
Close, be just required to sense the radio-frequency field of POS, the function of Payment Card could be realized, and then by POS
Read card information therein, complete to pay；
Earphone interface compatible circuit 34, as the interface being connected with the earphone interface of intelligent mobile terminal, to the greatest extent may be used
The energy the most various earphone interface of compatibility, thus improve the compatibility of NFC device 3, it is possible to apply various
Intelligent mobile terminal.
Embodiment three
Refer to Fig. 3, the mobile payment side of the present embodiment NFC based on above-described embodiment mobile-payment system
Method, wherein, illustrates as a example by intelligent mobile terminal is as smart mobile phone, specifically may include that
S1: open the APP application program of swiping the card for NFC mobile payment on smart mobile phone；After account logs in,
Payment Card operation, the card information of storage Payment Card, and the relevant information of counterpart expenditure card can be associated
Read and change, the Ka Bao in simulating reality life；
Concrete, can disposably associate the Payment Card of multiple, corresponding every Payment Card obtains and stores its card
Information, described card information includes card user's information and payment card information；Described card user's information includes
The ID (identity number) card No. of user, phone number, work unit, home address and history consumption bill etc., pay
Card information includes bank card number, payment cipher, login password etc.；
S2: user is by app selected Payment Card to be used in multiple Payment Cards；
S3:app application program detects whether external NFC device, i.e. detects whether to have built up and sets with NFC
Standby communication connection relation；If it is not, then NFC device is inserted in prompting, perform S4；The most directly perform
S5；
S4:NFC equipment and smart mobile phone set up communication link by earphone interface；Concrete, may include that
S41:NFC equipment is connected by earphone interface with smart mobile phone；
S42: smart mobile phone sends start and controls signal to the CPU central processing module of NFC device, passes through
CPU central processing module controls NFC device start；
S5: smart mobile phone confirms NFC device safety；Concrete, may include that
S51: smart mobile phone sends safety detection signal to NFC device, the security module of inquiry NFC device
The most normal；
After S52:NFC equipment receives safety detection signal, detect whether energy by CPU central processing module
Enough normally enter security module, and according to testing result feedback security status signal to smart mobile phone；
S53: smart mobile phone reads safe condition signal, and sets according to described safe condition signal detection NFC
Whether standby security module suffers rogue attacks, if safe condition signal is to normally entering security module,
Then perform S55；If correspondence can not normally enter, i.e. judge to detect security attack, perform S54；
S54: shown by app and carry out alarm sounds, terminates payment transaction.
S55: smart mobile phone inquires the card whether storing the Payment Card selected in described NFC device internal memory
Information；If it is not, then perform S56；The most then perform S58；
S56: smart mobile phone sends the card information of the Payment Card selected to NFC device；
The CPU central processing module of S57:NFC equipment receives described card information, controls write described card letter
Cease to the NFC chip internal memory of NFC module；Then S58 is performed；
S58: smart mobile phone be transmitted into card simulation mode of operation control signal to NFC device；
The CPU central processing module of S59:NFC equipment controls NFC simulation and enters card simulation mode of operation,
The Payment Card that simulation is selected carries out operation of swiping the card；
Concrete operation of swiping the card is: the radio-frequency field of the antenna induction POS of NFC device, receives POS
Radiofrequency signal；NFC device and smart mobile phone being worked as, the Payment Card making to be selected is carried out swiping the card action, allows with this
POS can read the card information of Payment Card, carries out payment transaction as normal swipe consumption.
S60: if swiping the card successfully, then NFC device successful information of feedback being swiped the card is to smart mobile phone, passes through
The app of smart mobile phone shows, plays the effect of prompting consumer.
In sum, a kind of NFC method of mobile payment of present invention offer and system thereof, do not change Intelligent sliding
The hardware configuration of dynamic terminal, utilizes the external NFC device of general-purpose interface, it is achieved intelligent mobile terminal possesses NFC
Function, thus improve NFC device and intelligent mobile terminal, intelligent mobile terminal and NFC device combine after with
The compatibility of NFC polling device；Further, moreover it is possible to support that the scheduling between multiple Payment Cards uses, side
Just user dispatches use between multiple Payment Cards, meets the consumption demand of user, for user bring more just
Profit, and better consumption experience.
The foregoing is only embodiments of the invention, not thereby limit the scope of the claims of the present invention, every profit
The equivalents made by description of the invention and accompanying drawing content, or directly or indirectly it is used in relevant technology
Field, is the most in like manner included in the scope of patent protection of the present invention.
Claims (9)
1. a NFC method of mobile payment, it is characterised in that including:
NFC device and intelligent mobile terminal set up communication link by earphone interface；
Intelligent mobile terminal selects a Payment Card；
Intelligent mobile terminal judges whether described NFC device stores the card information of described Payment Card；
The most then the described Payment Card of NFC device simulation carries out delivery operation；
If it is not, then intelligent mobile terminal sends the card information of described Payment Card to NFC device；
NFC device writes described card information, and simulates described Payment Card and carry out delivery operation.
2. a kind of NFC method of mobile payment as claimed in claim 1, it is characterised in that described " intelligence
Energy mobile terminal selects a Payment Card " farther include before:
Intelligent mobile terminal obtains the card information of more than two Payment Cards, and described card information includes that card user believes
Breath and payment card information.
3. a kind of NFC method of mobile payment as claimed in claim 1, it is characterised in that described " NFC
Equipment and intelligent mobile terminal set up communication link by earphone interface " particularly as follows:
NFC device is connected by earphone interface with intelligent mobile terminal；
Intelligent mobile terminal sends start and controls signal to NFC device, controls NFC device start.
4. a kind of NFC method of mobile payment as claimed in claim 1, it is characterised in that described " NFC
Equipment and intelligent mobile terminal set up communication link by earphone interface " after, farther include:
Intelligent mobile terminal sends safety detection signal
No normally；
NFC device feedback security status signal is to intelligent mobile terminal；
According to described safe condition signal, intelligent mobile terminal judges that whether described NFC device is by security attack；
If it is not, then perform the described card information step judging whether described NFC device stores described Payment Card；
The most then carry out alarm sounds.
5. a NFC mobile-payment system, it is characterised in that include the intelligent mobile with earphone jack
Terminal and there is the NFC device of headset plug；
Described intelligent mobile terminal, for selecting a Payment Card；For judging whether described NFC device stores
There is the card information of described Payment Card；If it is no for being additionally operable to judged result, send the card information of described Payment Card extremely
NFC device；
Described NFC device includes:
CPU central processing module, for receiving the card information of the described Payment Card that intelligent mobile terminal sends,
And control to write described card information to NFC module；
NFC module, is used for writing described card information, and simulates described Payment Card and carry out delivery operation.
6. a kind of NFC mobile-payment system as claimed in claim 5, it is characterised in that described intelligence
Mobile terminal, is additionally operable to obtain the card information of more than two Payment Cards, and described card information includes that card user believes
Breath and payment card information.
7. a kind of NFC mobile-payment system as claimed in claim 5, it is characterised in that
Described intelligent mobile terminal, is additionally operable to send start and controls signal to NFC device；
CPU central processing module, after being additionally operable to receive described start control signal, controls NFC device start.
8. a kind of NFC mobile-payment system as claimed in claim 5, it is characterised in that described intelligence
Mobile terminal, is additionally operable to send safety detection signal to NFC device；For judging according to safe condition signal
Whether described NFC device is by security attack；If being no for judged result, then judge according to described instruction
Whether described NFC device stores the card information of described Payment Card；And it is used for if the determination result is YES, then
Carry out alarm sounds.
9. a kind of NFC mobile-payment system as claimed in claim 5, it is characterised in that described NFC
Equipment also includes:
Antenna, for sensing the radio-frequency field that NFC polling device sends, sets up and described NFC polling device
Communication connection relation.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610180334.0A CN105868978A (en) | 2016-03-25 | 2016-03-25 | NFC mobile payment method and system thereof |
| PCT/CN2016/093438 WO2017161794A1 (en) | 2016-03-25 | 2016-08-05 | Nfc mobile payment method and system thereof |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610180334.0A CN105868978A (en) | 2016-03-25 | 2016-03-25 | NFC mobile payment method and system thereof |
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| CN105868978A true CN105868978A (en) | 2016-08-17 |
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| CN201610180334.0A Pending CN105868978A (en) | 2016-03-25 | 2016-03-25 | NFC mobile payment method and system thereof |
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| Country | Link |
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| CN (1) | CN105868978A (en) |
| WO (1) | WO2017161794A1 (en) |
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| CN107315609A (en) * | 2017-06-22 | 2017-11-03 | 北京小米移动软件有限公司 | The switching method and device of card analog functuion |
| CN107818464A (en) * | 2016-09-14 | 2018-03-20 | 百度在线网络技术（北京）有限公司 | A kind of NFC payment realized in mobile terminal and device |
| WO2018210271A1 (en) * | 2017-05-18 | 2018-11-22 | 腾讯科技（深圳）有限公司 | Card writing method and device, terminal, server, and storage medium |
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| CN112425002A (en) * | 2018-09-05 | 2021-02-26 | 是德科技股份有限公司 | Near field antenna for antenna array remote radio control |
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| WO2023056775A1 (en) * | 2021-10-08 | 2023-04-13 | 深圳市汇顶科技股份有限公司 | Method for extending simulation function of nfc card, nfc extension device and nfc terminal |
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| WO2017161794A1 (en) | 2017-09-28 |
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