CN105916135A - Method for carrying out NFC payment in virtual card terminal and virtual card terminal - Google Patents
Method for carrying out NFC payment in virtual card terminal and virtual card terminal Download PDFInfo
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- CN105916135A CN105916135A CN201610378997.3A CN201610378997A CN105916135A CN 105916135 A CN105916135 A CN 105916135A CN 201610378997 A CN201610378997 A CN 201610378997A CN 105916135 A CN105916135 A CN 105916135A
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W8/00—Network data management
- H04W8/18—Processing of user or subscriber data, e.g. subscribed services, user preferences or user profiles; Transfer of user or subscriber data
- H04W8/20—Transfer of user or subscriber data
- H04W8/205—Transfer to or from user equipment or user record carrier
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
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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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through 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
- G06Q20/327—Short range or proximity 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
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Abstract
The invention discloses a method for carrying out NFC payment in a virtual card terminal and the virtual card terminal and provides a solution for ensuring the safety of NFC payment in the virtual card terminal and avoiding the access of key data of the virtual card terminal by non-authorized NFC applications. The method comprises the steps that the virtual card terminal monitors an electronic account selection event through a close range wireless communication NFC service function, wherein the electronic account selection event carries an identifier of an electronic account; the virtual card terminal determined the NFC application corresponding to the identifier of the electronic account, obtains the signature of the determined NFC application and determine whether the NFC application has the authority for accessing the data of the virtual card according to the signature of the NFC application; and the virtual card terminal starts the NFC application and completes payment through the NFC application.
Description
Technical field
The present invention relates to communication technical field, particularly relate to a kind of virtual card terminal and carry out the side of NFC payment
Method and virtual card terminal.
Background technology
At communication technical field, mobile communications network passes through UIM (User Identity Module, Yong Hushi
Other module)/SIM (Subscriber Identity Module, user identification module) card preserve signing
The private information of user, by UIM/SIM card insertion mobile terminal just can complete mobile communications network access and
Authentication, the normal various functions using signing.Along with the miniaturization of mobile terminal, UIM/SIM draw-in groove
Physical size has become as the bottleneck of limiting terminal miniaturization, in order to reduce the thing of mobile terminal device further
Reason size, entity card Intel Virtualization Technology arises at the historic moment.
Entity card Intel Virtualization Technology is by needing the data being stored in entity card, storage to mobile terminal
In, and in the terminal by the function of software program pseudo-entity card or by embedded entity card chip
Realize the function of entity card.The virtual card that the most any form exists, is required for the number in entity card
According to being built in mobile terminal, guarantee mobile terminal the most normally uses, and these need
The packet of mobile terminal to be built into includes net-work parameter information and private information (such as user
Authenticate the KI with authenticating users).
Wireless near field communication (Near Field Communication, NFC) technology and existing noncontact intelligence
Energy card technique is compatible, has become as and obtains the official standard that more and more terminal production firms support.Again,
NFC or one closely connection protocol, it is provided that various equipment rooms easily, safety, lead to rapidly and automatically
Letter.Mobile terminal being supported, the application that NFC carries out paying by mails gets more and more at present.
How in virtual card terminal, to ensure the safety that NFC pays, to avoid the critical data of virtual card
Accessed by unauthorized NFC application, be the problem needing to solve.
Summary of the invention
The embodiment of the present invention provides a kind of virtual card terminal to carry out method and the virtual card terminal of NFC payment,
In virtual card terminal, the safety that NFC pays is ensured, to avoid the critical data quilt of virtual card with thinking
Unauthorized NFC application accesses and provides solution.
The concrete technical scheme that the embodiment of the present invention provides is as follows:
First aspect, embodiments provides a kind of method that virtual card terminal carries out NFC payment,
Including:
Virtual card terminal selects event by wireless near field communication NFC service function monitors electronic account,
Described electronic account selection event is carried the mark of electronic account；
Described virtual card terminal determines the NFC application that the mark of described electronic account is corresponding, and acquisition determines
Described NFC application signature, and the signature applied according to described NFC determine described NFC application have
Access the authority of virtual card data；
The described virtual card terminal described NFC of startup applies and passes through described NFC and applied payment.
In possible embodiment, described virtual card terminal starts described NFC and applies and pass through described NFC
Apply payment, including:
Described virtual card terminal starts described NFC application, and shows the display interface that described NFC applies；
Described virtual card terminal is obtained after spending amount by described display interface, according to described spending amount from
Described electronic account is deducted corresponding expense.
In possible embodiment, described virtual card terminal determines the NFC that the mark of described electronic account is corresponding
Application, obtains the signature of the described NFC application determined, including:
Described virtual card terminal determines at least one NFC application that the mark of described electronic account is corresponding, point
Do not obtain at least one NFC described determined and apply respective signature；Or,
Described virtual card terminal determines at least one NFC application that the mark of described electronic account is corresponding
One NFC application, obtains the signature of the described NFC application determined.
In possible embodiment, a NFC at least one NFC described application applies as to refer in advance
Fixed.
In possible embodiment, described virtual card terminal determines described according to the signature that described NFC applies
NFC application has the authority accessing virtual card data, including:
Described virtual card terminal is if it is determined that the signature of described NFC application is for presetting signature, it is determined that described NFC
Application has the authority accessing virtual card data.
Second aspect, embodiments provides a kind of virtual card terminal, including:
Wireless near field communication NFC service module, for by wireless near field communication NFC service function
Monitoring electronic account selects event, carries the mark of electronic account in described electronic account selection event；
Smart card service module, for determining the described electronic account choosing that described NFC service module monitors
Select the NFC application that the mark of the described electronic account carried in event is corresponding, obtain the described NFC determined
Application signature, and the signature applied according to described NFC determine described NFC application there is access virtual card
The authority of data；
Described NFC service module, is additionally operable to: determine that described NFC applies at described smart card service module
Have after accessing the authority of virtual card data, start described NFC and apply and pass through described NFC and applied
Pay.
In possible embodiment, described NFC service module specifically for:
Start described NFC application, and show the display interface that described NFC applies；
After obtaining spending amount by described display interface, according to described spending amount from described electronic account
Deduct corresponding expense.
In possible embodiment, described smart card service module specifically for:
Determine at least one NFC application that the mark of described electronic account is corresponding, obtain the institute determined respectively
State at least one NFC and apply respective signature；Or,
Determine the NFC application identified in corresponding at least one NFC application of described electronic account,
Obtain the signature of the described NFC application determined.
In possible embodiment, a NFC at least one NFC described application applies as to refer in advance
Fixed.
In possible embodiment, described smart card service module specifically for:
If it is determined that the signature of described NFC application is for presetting signature, it is determined that described NFC application has access
The authority of virtual card data.
Based on technique scheme, in the embodiment of the present invention, virtual card terminal is by NFC service monitoring electricity
Sub-account selects event, determines the NFC application that the electronic mark carried in electronic account selection event is corresponding,
Obtain the signature of the NFC application determined, determine described NFC according to the signature of this NFC determined application
After application has the authority accessing virtual card data, start described NFC and apply and applied by described NFC
Complete to pay, thus ensure the safety that in virtual card terminal, NFC pays, it is possible to be prevented effectively from virtual card
The critical data of the virtual card of terminal is accessed by unauthorized NFC application.
Accompanying drawing explanation
Fig. 1 is the method detailed schematic flow sheet that in the embodiment of the present invention, virtual card terminal carries out NFC payment；
Fig. 2 is the process schematic that in the embodiment of the present invention, virtual card terminal is mutual with POS；
Fig. 3 is the structural representation of virtual card terminal in the embodiment of the present invention.
Detailed description of the invention
In order to make the object, technical solutions and advantages of the present invention clearer, below in conjunction with accompanying drawing to this
Bright it is described in further detail, it is clear that described embodiment is only a part of embodiment of the present invention,
Rather than whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art are not doing
Go out all other embodiments obtained under creative work premise, broadly fall into the scope of protection of the invention.
In order to ensure the safety that NFC pays in virtual card terminal, for avoiding the key of virtual card
Data are accessed by unauthorized NFC application and provide solution, embodiments provide a kind of virtual
Card terminal carries out the method for NFC payment.
It should be noted that virtual card terminal can be mobile phone, flat board, wearable set in the embodiment of the present invention
The standby terminal waiting any one support virtual card.
Preferred embodiment it is described in detail to what the embodiment of the present invention provided below in conjunction with accompanying drawing.
In the embodiment of the present invention, as it is shown in figure 1, virtual card terminal carries out the method detailed stream of NFC payment
Journey is as follows:
Step 101: virtual card terminal is by NFC service function monitors electronic account selection event, wherein,
This electronic account selection event is carried the mark of electronic account.
Specifically, virtual card terminal opens NFC service function, and near another terminal, is taken by NFC
The electronic account of business another terminal of function monitoring selects (AID_Selected) event.
Such as, virtual card terminal unlatching NFC service function, and close point-of-sale terminal (point of sale,
POS), by the AID_Selected event of NFC service function monitors POS broadcast, obtaining should
The mark (referred to as AID) of the electronic account carried in AID_Selected event.
Alternatively, virtual card terminal passes through NFC service function with card analog form near another terminal.Its
In, card analog form is the one in three kinds of mode of operations of NFC service function.NFC service function
Three kinds of mode of operations are: card analog form, point-to-point mode and reader (Reader) mode.
Step 102: virtual card terminal determines the NFC application that the mark of electronic account is corresponding, and acquisition determines
This NFC application signature, and the signature applied according to this NFC determine this NFC application have access void
Intend the authority of card data.
Specifically, virtual card terminal is if it is determined that the signature of NFC application is for presetting signature, it is determined that this NFC
Application has the authority accessing virtual card data.
Wherein, default signature can be that virtual card terminal is dispatched from the factory and is pre-configured with before, it is also possible to is by user
It is pre-configured in virtual card terminal.
In the embodiment of the present invention, virtual card terminal determines the NFC application that the mark of electronic account is corresponding, obtains
Take the signature of this NFC application determined, include but not limited to following two detailed description of the invention:
In first detailed description of the invention, at least one NFC corresponding application of the mark of electronic account.
In this detailed description of the invention, virtual card terminal determines at least one NFC that the mark of electronic account is corresponding
Application, obtains this at least one NFC determined respectively and applies respective signature.
In second detailed description of the invention, virtual card terminal determines at least one of the mark correspondence of electronic account
A NFC application in NFC application, obtains the signature of this NFC application determined.
Wherein, NFC application at least one NFC application that electronic account is corresponding, can be with
The NFC application that machine selects from least one NFC application that this electronic account is corresponding, or, can
To be preassigned NFC application at least one NFC application corresponding to this electronic account, or,
It can be the NFC application that at least one NFC application medium priority corresponding to this electronic account is the highest.
Wherein, virtual card data indication for virtual SIM card or UIM card data.
Specifically, virtual card data include the communication-related information of smart card, such as, digital mobile phone visitor
The information at family, the content such as the key of encryption and telephone directory of user.In addition, virtual card data also may be used
To include the necessary data of access network, such as subscriber identification module (UIM) mark, international mobile subscriber
Identification code (International Mobile Subscriber Identification Number, IMSI) etc..
Step 103: virtual card terminal starts this NFC application and applied payment by this NFC.
During the present invention implements, virtual card terminal determines that the NFC application of the mark correspondence of electronic account has visit
After asking the authority of virtual card data, start this NFC application, and show the display interface that this NFC applies.
After this virtual card terminal obtains spending amount by this display interface, according to this spending amount from this electronic account
The corresponding expense of middle deduction.
Specifically, the display interface that virtual card terminal is applied by NFC obtain user's input spending amount,
The information such as the password of electronic account, and the display interface applied by this NFC obtained user and inputs really
After recognizing the instruction of payment, from this electronic account, deduct corresponding expense according to this spending amount.
Corresponding in step 102, virtual card terminal determines the NFC application that the mark of electronic account is corresponding,
Obtaining the first detailed description of the invention of the signature of this NFC application determined, virtual card terminal starts this NFC
Application has also applied the detailed process paid as follows by this NFC:
Virtual card terminal determines at least one NFC application that the mark of electronic account is corresponding, obtains respectively really
After this fixed at least one NFC applies respective signature, if applying according to this at least one NFC respectively
In each NFC apply respective signature, determine this at least one NFC application in multiple NFC should
With being respectively provided with the authority accessing virtual card data, then can use appointing in the numerous embodiments being exemplified below
Meaning one:
A, this virtual card terminal starts the NFC application of the plurality of authority having and accessing virtual card data successively,
And in being applied by the plurality of NFC started successively completes to pay；
B, this virtual card terminal starts in the NFC application of the plurality of authority having and accessing virtual card data
Any one, complete to pay by this application started；
C, pre-in the plurality of NFC application with the authority accessing virtual card data of this virtual card terminal startup
The NFC application first specified, completes to pay by this application started；
D, this virtual card terminal according to the plurality of have access virtual card data authority NFC application excellent
First level order, starts the NFC application that priority is the highest, completes to pay by this application started.
Corresponding in step 102, virtual card terminal determines the NFC application that the mark of electronic account is corresponding,
Obtaining the second detailed description of the invention of the signature of this NFC application determined, virtual card terminal starts this NFC
Application has also applied the detailed process paid as follows by this NFC: virtual card terminal directly initiates and determines
This NFC application, applied payment by this NFC.
The process that virtual card terminal carries out NFC payment below by way of a specific embodiment carries out illustrating
Bright.
In this specific embodiment, it is illustrated in figure 2 the internal structure schematic diagram of virtual card terminal, needs explanation
, only give virtual card terminal herein and carry out the main functional modules involved by NFC payment, rather than
It is repertoire module, is still substantially that virtual card terminal is essential for other functional module not be given
Functional module, it is clear that also should be included, such as, the memory module etc. in virtual card terminal.
Virtual card terminal includes that NFC application module, NFC service (NFC Service) module, smart card
Service (Smart card Service) module and virtual SIM card module.Wherein, NFC service module is used
In realizing NFC function；NFC application module is the application paid for NFC；Smart card service module is used
Information between virtual SIM card module and other module is mutual；Virtual SIM card module is used for virtual SIM
Card function and call virtual SIM card data.
In this specific embodiment, NFC service module starts NFC service function, is leaned on by card analog form
Nearly POS, monitors the AID_Selected event of POS broadcast.
Smart card service module obtains the AID_Selected event that NFC service module listens to, and obtains
The AID carried in this AID_Selected event.Smart card service module obtains this AID_Selected thing
The mark of the NFC application corresponding for AID in part, and obtain the AID in this AID_Selected event
The signature of corresponding NFC application.
Smart card service module is according to the label of the NFC application corresponding for AID in this AID_Selected event
Name, it is judged that whether the NFC application corresponding for AID in this AID_Selected event has access virtual SIM
The authority of card data.
The NFC with the authority accessing virtual SIM card data determined is applied by smart card service module
Mark, passes to this NFC service by calling the deliverSerIntent interface function of NFC service module
Module.
NFC service module, during processing deliverSerIntent signaling, arranges transaction event
(EVENT_transaction), transaction event is broadcast to have the authority accessing virtual SIM card data
NFC applies, and carries the NFC application of the authority with access virtual SIM card data in this transaction event
Mark.
Specifically, if giving the NFC application at least two with the authority accessing virtual SIM card data,
Then NFC service module be respectively directed to each have access virtual SIM card data authority NFC application set
Put transaction event, this transaction event is carried the NFC application with the authority accessing virtual SIM card data
Mark, and broadcast each transaction event of generation successively.
There is the NFC application of the authority accessing virtual SIM card data, listen to carry the mark of self
After transaction event, start display interface.This NFC application obtains the consumption of user's input by display interface
The amount of money, and after determining that user clicks on confirmation button, deduct fees according to this spending amount.
Such as, storage has the wearable device of virtual SIM card data when carrying out NFC and paying, and NFC takes
Business module first pass through by nfc card analog form by this NFC pay involved by application by broadcast thing
Part notifies that (Open Mobile API, opens mobile terminal API to OMAPI；API, Application
Programming Interface, application programming interface) service, OMAPI service is serviced by smart card
Involved application is authenticated by module, it is judged that whether involved NFC application has reading virtual SIM
The authority of the critical data of card, if having, it is allowed to this NFC application pays, and otherwise, does not allow this NFC
Application pays.
Based on same inventive concept, the embodiment of the present invention additionally provides a kind of virtual card terminal, this virtual card
Terminal be embodied as can be found in the description of embodiment of the method part, repeat no more in place of repetition, such as Fig. 3 institute
Showing, this virtual card terminal specifically includes that
NFC service module 301, for by wireless near field communication NFC service function monitors electronics account
Family selects event, carries the mark of electronic account in described electronic account selection event；
Smart card service module 302, for determining the described electronic account that described NFC service module monitors
The NFC that the mark of the described electronic account carried in selection event is corresponding applies, and obtains the described NFC determined
Application signature, and the signature applied according to described NFC determine described NFC application there is access virtual card
The authority of data；
Described NFC service module 301, is additionally operable to: determine described NFC at described smart card service module
After application has the authority accessing virtual card data, start described NFC and apply and applied by described NFC
Complete to pay.
In possible embodiment, described NFC service module specifically for:
Start described NFC application, and show the display interface that described NFC applies；
After obtaining spending amount by described display interface, according to described spending amount from described electronic account
Deduct corresponding expense.
In possible embodiment, described smart card service module specifically for:
Determine at least one NFC application that the mark of described electronic account is corresponding, obtain the institute determined respectively
State at least one NFC and apply respective signature；Or,
Determine the NFC application identified in corresponding at least one NFC application of described electronic account,
Obtain the signature of the described NFC application determined.
In possible embodiment, a NFC at least one NFC described application applies as to refer in advance
Fixed.
In possible embodiment, described smart card service module specifically for:
If it is determined that the signature of described NFC application is for presetting signature, it is determined that described NFC application has access
The authority of virtual card data.
Based on technique scheme, in the embodiment of the present invention, virtual card terminal is by NFC service detection electricity
Sub-account selects event, determines the NFC application that the electronic mark carried in electronic account selection event is corresponding,
Obtain the signature of the NFC application determined, determine described NFC according to the signature of this NFC determined application
After application has the authority accessing virtual card data, start described NFC and apply and applied by described NFC
Complete to pay, thus ensure the safety that in virtual card terminal, NFC pays, it is possible to be prevented effectively from virtual card
The critical data of the virtual card of terminal is accessed by unauthorized NFC application.
Those skilled in the art are it should be appreciated that embodiments of the invention can be provided as method, system or meter
Calculation machine program product.Therefore, the present invention can use complete hardware embodiment, complete software implementation or knot
The form of the embodiment in terms of conjunction software and hardware.And, the present invention can use and wherein wrap one or more
Computer-usable storage medium containing computer usable program code (include but not limited to disk memory and
Optical memory etc.) form of the upper computer program implemented.
The present invention is with reference to method, equipment (system) and computer program product according to embodiments of the present invention
The flow chart of product and/or block diagram describe.It should be understood that can by computer program instructions flowchart and
/ or block diagram in each flow process and/or flow process in square frame and flow chart and/or block diagram and/
Or the combination of square frame.These computer program instructions can be provided to general purpose computer, special-purpose computer, embedding
The processor of formula datatron or other programmable data processing device is to produce a machine so that by calculating
The instruction that the processor of machine or other programmable data processing device performs produces for realizing at flow chart one
The device of the function specified in individual flow process or multiple flow process and/or one square frame of block diagram or multiple square frame.
These computer program instructions may be alternatively stored in and computer or the process of other programmable datas can be guided to set
In the standby computer-readable memory worked in a specific way so that be stored in this computer-readable memory
Instruction produce and include the manufacture of command device, this command device realizes in one flow process or multiple of flow chart
The function specified in flow process and/or one square frame of block diagram or multiple square frame.
These computer program instructions also can be loaded in computer or other programmable data processing device, makes
Sequence of operations step must be performed to produce computer implemented place on computer or other programmable devices
Reason, thus the instruction performed on computer or other programmable devices provides for realizing flow chart one
The step of the function specified in flow process or multiple flow process and/or one square frame of block diagram or multiple square frame.
Obviously, those skilled in the art can carry out various change and modification without deviating from this to the present invention
Bright spirit and scope.So, if the present invention these amendment and modification belong to the claims in the present invention and
Within the scope of its equivalent technologies, then the present invention is also intended to comprise these change and modification.
Claims (10)
1. the method that a virtual card terminal carries out NFC payment, it is characterised in that including:
Virtual card terminal selects event by wireless near field communication NFC service function monitors electronic account,
Described electronic account selection event is carried the mark of electronic account；
Described virtual card terminal determines the NFC application that the mark of described electronic account is corresponding, and acquisition determines
Described NFC application signature, and the signature applied according to described NFC determine described NFC application have
Access the authority of virtual card data；
The described virtual card terminal described NFC of startup applies and passes through described NFC and applied payment.
2. the method for claim 1, it is characterised in that described virtual card terminal starts described NFC
Apply and pass through described NFC and applied payment, including:
Described virtual card terminal starts described NFC application, and shows the display interface that described NFC applies；
Described virtual card terminal is obtained after spending amount by described display interface, according to described spending amount from
Described electronic account is deducted corresponding expense.
3. method as claimed in claim 1 or 2, it is characterised in that described virtual card terminal determines institute
State the NFC application that the mark of electronic account is corresponding, obtain the signature of the described NFC application determined, including:
Described virtual card terminal determines at least one NFC application that the mark of described electronic account is corresponding, point
Do not obtain at least one NFC described determined and apply respective signature；Or,
Described virtual card terminal determines at least one NFC application that the mark of described electronic account is corresponding
One NFC application, obtains the signature of the described NFC application determined.
4. method as claimed in claim 3, it is characterised in that at least one NFC described application
One NFC application is predesignated.
5. method as claimed in claim 3, it is characterised in that described virtual card terminal is according to described NFC
The signature of application determines that described NFC application has the authority accessing virtual card data, including:
Described virtual card terminal is if it is determined that the signature of described NFC application is for presetting signature, it is determined that described NFC
Application has the authority accessing virtual card data.
6. a virtual card terminal, it is characterised in that including:
Wireless near field communication NFC service module, for by wireless near field communication NFC service function
Monitoring electronic account selects event, carries the mark of electronic account in described electronic account selection event；
Smart card service module, for determining the described electronic account choosing that described NFC service module monitors
Select the NFC application that the mark of the described electronic account carried in event is corresponding, obtain the described NFC determined
Application signature, and the signature applied according to described NFC determine described NFC application there is access virtual card
The authority of data；
Described NFC service module, is additionally operable to: determine that described NFC applies at described smart card service module
Have after accessing the authority of virtual card data, start described NFC and apply and pass through described NFC and applied
Pay.
7. virtual card terminal as claimed in claim 6, it is characterised in that described NFC service module has
Body is used for:
Start described NFC application, and show the display interface that described NFC applies；
After obtaining spending amount by described display interface, according to described spending amount from described electronic account
Deduct corresponding expense.
Virtual card terminal the most as claimed in claims 6 or 7, it is characterised in that described smart card service
Module specifically for:
Determine at least one NFC application that the mark of described electronic account is corresponding, obtain the institute determined respectively
State at least one NFC and apply respective signature；Or,
Determine the NFC application identified in corresponding at least one NFC application of described electronic account,
Obtain the signature of the described NFC application determined.
9. virtual card terminal as claimed in claim 8, it is characterised in that at least one NFC described should
A NFC application in is predesignated.
10. virtual card terminal as claimed in claim 8, it is characterised in that described smart card service module
Specifically for:
If it is determined that the signature of described NFC application is for presetting signature, it is determined that described NFC application has access
The authority of virtual card data.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610378997.3A CN105916135A (en) | 2016-05-31 | 2016-05-31 | Method for carrying out NFC payment in virtual card terminal and virtual card terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610378997.3A CN105916135A (en) | 2016-05-31 | 2016-05-31 | Method for carrying out NFC payment in virtual card terminal and virtual card terminal |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105916135A true CN105916135A (en) | 2016-08-31 |
Family
ID=56742795
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610378997.3A Pending CN105916135A (en) | 2016-05-31 | 2016-05-31 | Method for carrying out NFC payment in virtual card terminal and virtual card terminal |
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| CN (1) | CN105916135A (en) |
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