CN106204011A - NFC payment and device - Google Patents
NFC payment and device Download PDFInfo
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- CN106204011A CN106204011A CN201610509385.3A CN201610509385A CN106204011A CN 106204011 A CN106204011 A CN 106204011A CN 201610509385 A CN201610509385 A CN 201610509385A CN 106204011 A CN106204011 A CN 106204011A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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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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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
The disclosure is directed to a kind of NFC payment and device.Method includes: when the payment request that POS terminal sends being detected, show the target bank card information in ESE in stored value card interface；When receiving the operation of the activation target bank card that user triggers according to target bank card information, generate certificate message；If be detected that the key information that user inputs according to certificate message, determine whether user has the authority of activation target bank card according to key information；If user has the authority activating target bank card, then activate target bank card, realize payment transaction for POS terminal by target bank card.Disclosure technical scheme can effectively realize balance car Automatic-searching target anchor point and stop, and solves the problem needing personnel to participate in stopping balance car in correlation technique, improves user and use the experience of balance car.
Description
Technical field
It relates to E-Payment technical field, particularly relate to a kind of NFC payment and device.
Background technology
Along with the development of mobile Internet, user is increasingly accustomed to using the mode paid by mails to complete various the Internet
Transaction, pays by mails and has had become as requisite a kind of means of payment in people's life.And near-field communication (Near Field
Communication, NFC) pay be then pay by mails in very important a kind of means of payment.In correlation technique, support NFC
The mobile device paid, can be direct when the radiofrequency signal that point-of-sale terminal (Point Of Sales, POS) equipment sends being detected
Bank card information in embedded-type security element (Embedded Secure Equipment, ESE) is pushed to POS terminal real
Now pay by mails.The NFC of correlation technique pays and leaves potential safety hazard, and storage has the credit card exempting from close payment in a mobile device
Time, it is easy to cause the property of user to be stolen.
Summary of the invention
For overcoming problem present in correlation technique, disclosure embodiment provides a kind of NFC payment and device, in order to
The NFC realizing safety pays.
First aspect according to disclosure embodiment, it is provided that a kind of NFC payment, application is on the mobile apparatus, described
Mobile device includes NFC payment system, it may include:
When the payment request that point-of-sale terminal POS terminal sends being detected, the stored value card in described NFC payment system
Interface shows the target bank card information in embedded-type security element ESE；
When receiving the operation of the activation target bank card that user triggers according to described target bank card information, generate body
Part checking message, wherein, described certificate message is used for indicating described user to carry out authentication to activate described target silver
Row card；
If be detected that the key information that described user inputs according to described certificate message, according to described key information
Determine whether described user has the authority activating described target bank card；
If described user has the authority activating described target bank card, then activate described target bank card, for institute
State POS terminal and realize payment transaction by described target bank card.
In one embodiment, the described target bank card information shown in the interface of described stored value card in ESE, can wrap
Include:
Control the stored value card in described NFC payment system and set up the connection between described ESE；
Control described stored value card by the described bank card information connecting and loading in described ESE, wherein, described bank card
Information includes described target bank card information；
The bank card information in described ESE is shown in described stored value card interface.
In one embodiment, described method may also include that
Receive the operation that described user is triggered by physical keyboard, or, by touch screen the user of described monitoring device
The operation triggered on interface, or, the operation triggered by camera head；
According to described operation generate described key information, wherein, described key information include finger print information, checking password,
At least one information in face recognition feature information, checking gesture.
In one embodiment, described according to described key information determine described user whether have activation described target bank
The authority of card, it may include:
Determine that described key information is the most correct；
If described key information is correct, it is determined that described user has the authority activating described target bank card；
If described key information is incorrect, it is determined that described user does not have the authority activating described target bank card.
In one embodiment, described activation described target bank card, it may include:
Activate the payment function of described target bank card；
Control described NFC controller and activate the passage between described ESE.
In one embodiment, described when receive activation target bank card that user triggers according to described bank card information
During operation, generate certificate message, it may include:
When receiving the operation of the activation target bank card that user triggers according to described bank card information, generate identity and test
Card message；
Release described certificate message.
In one embodiment, described method may also include that
If described user does not have the authority activating described target bank card, then perform the described behaviour paying request of refusal
Make.
Second aspect according to disclosure embodiment, it is provided that a kind of NFC payment mechanism, application is on the mobile apparatus, described
Mobile device includes NFC payment system, it may include:
Display module, is configured to, when the payment request that point-of-sale terminal POS terminal sends being detected, prop up at described NFC
Stored value card interface in the system of paying shows the bank card information in embedded-type security element ESE；
Generation module, is configured as receiving the described bank card information triggering that user shows according to described display module
The operation of activation target bank card time, generate certificate message, wherein, described certificate message is used for indicating described use
Family carries out authentication to activate described target bank card；
Authority determines module, is configured to if be detected that the described identity that generates according to described generation module of described user
According to described key information, the key information of checking message input, determines whether described user has the described target bank card of activation
Authority；
Active module, if being configured to described authority to determine that module determines that described user has the described target bank of activation
The authority of card, then activate described target bank card, realize payment transaction for described POS terminal by described target bank card.
In one embodiment, described display module comprises the steps that
Connection establishment submodule, the stored value card being configured to control in described NFC payment system set up with described ESE it
Between connection；
Load submodule, be configured to control the described company that described stored value card is set up by described connection establishment submodule
Connect the bank card information loaded in described ESE；
Display sub-module, is configured to show in described stored value card interface described in the loading of described loading submodule
Bank card information in ESE.
In one embodiment, described device may also include that
Receiver module, is configured to receive the operation that described user is triggered by physical keyboard, or, by touch screen in institute
State the operation triggered in the user interface of monitoring device, or, the operation triggered by camera head；
Key production module, is configured to the described operation according to described receiver module receives and generates described key letter
Breath, wherein, described key information includes at least in finger print information, checking password, face recognition feature information, checking gesture
The information of kind.
In one embodiment, described authority determines that module comprises the steps that
Key determines submodule, is configured to determine that described key information is the most correct；
First determines submodule, if being configured to described key to determine that submodule determines that described key information is correct, then
Determine that described user has the authority activating described target bank card；
Second determines submodule, if being configured to described key to determine that submodule determines that described key information is incorrect,
Then determine that described user does not have the authority activating described target bank card.
In one embodiment, described active module comprises the steps that
First activates submodule, is configured to activate the payment function of described target bank card；
Second activates submodule, is configured to control described NFC controller and activates the passage between described ESE.
In one embodiment, described generation module comprises the steps that
Generate submodule, be configured as receiving the described bank card information that user shows according to described display module and touch
During the operation of activations target bank card sent out, generation certificate message；
Release submodule, be configured to release the described certificate message that described generation submodule generates.
In one embodiment, described device may also include that
Refusal to pay module, if being configured to described authority to determine that module determines that described user does not have the described mesh of activation
The authority of mark bank card, then perform the described operation paying request of refusal.
The third aspect according to disclosure embodiment, it is provided that a kind of NFC payment mechanism, application is on the mobile apparatus, described
Mobile device includes NFC payment system, including:
Processor；
For storing the memorizer of processor executable；
Wherein, described processor is configured to:
When the payment request that point-of-sale terminal POS terminal sends being detected, the stored value card in described NFC payment system
Interface shows the target bank card information in embedded-type security element ESE；
When receiving the operation of the activation target bank card that user triggers according to described target bank card information, generate body
Part checking message, wherein, described certificate message is used for indicating described user to carry out authentication to activate described target silver
Row card；
If be detected that the key information that described user inputs according to described certificate message, according to described key information
Determine whether described user has the authority activating described target bank card；
If described user has the authority activating described target bank card, then activate described target bank card, for institute
State POS terminal and realize payment transaction by described target bank card.
Embodiment of the disclosure that the technical scheme of offer can include following beneficial effect: POS detected in mobile device
During the payment request that equipment sends, all bank card information in display ESE in stored value card (such as: Semen setariae wallet), when
When user selects to activate target bank card therein, mobile device can generate ID card verification message instruction user and carry out identity and test
Card also activates target bank card when user has the authority activating target bank card, for POS terminal by target silver determining
Row card realizes payment transaction.It is achieved in when user has and activates for the authority of the target bank card carrying out paying by mails swashing
Target bank card alive, solves and the bank card information in ESE is directly pushed in correlation technique POS terminal realization E-Payment
Security hidden trouble, improve the experience that user uses NFC to pay.
Further, by receiving the operation that user is triggered by physical keyboard, or, by touch screen in described monitoring device
The operation triggered in user interface, or, the operation triggered by camera head, different types of key information can be generated, such as:
Finger print information, checking password, face recognition feature information, checking gesture etc., it is achieved the multiformity of authentication, optimize further
Consumer's Experience.
By the passage between payment function and NFC controller and the ESE of activation target bank card, it is possible to achieve POS
Equipment obtains the bank card information in ESE by NFC controller, and then realizes paying by mails.
By performing the operation of refusal to pay when user does not have the authority activating target bank card, user can be avoided
Property be stolen, it is ensured that the property safety of user.
It should be appreciated that it is only exemplary and explanatory, not that above general description and details hereinafter describe
The disclosure can be limited.
Accompanying drawing explanation
Accompanying drawing herein is merged in description and constitutes the part of this specification, it is shown that meet the enforcement of the present invention
Example, and for explaining the principle of the present invention together with description.
Figure 1A is the flow chart according to the NFC payment shown in an exemplary embodiment.
Figure 1B is according to the NFC payment system schematic diagram shown in an exemplary embodiment.
Fig. 1 C is the application scenarios figure according to the NFC payment shown in an exemplary embodiment.
Fig. 2 A is the flow chart according to the NFC payment shown in an exemplary embodiment one.
Fig. 2 B is the flow chart according to the step 201 shown in an exemplary embodiment one.
Fig. 3 be according to shown in an exemplary embodiment two how to determine user whether have activate target bank card power
The flow chart of limit.
Fig. 4 is the block diagram according to a kind of NFC payment mechanism shown in an exemplary embodiment.
Fig. 5 is the block diagram according to the another kind of NFC payment mechanism shown in an exemplary embodiment.
Fig. 6 is the block diagram according to another the NFC payment mechanism shown in an exemplary embodiment.
Fig. 7 is according to a kind of block diagram being applicable to NFC payment mechanism shown in an exemplary embodiment.
Detailed description of the invention
Here will illustrate exemplary embodiment in detail, its example represents in the accompanying drawings.Explained below relates to
During accompanying drawing, unless otherwise indicated, the same numbers in different accompanying drawings represents same or analogous key element.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistent with the present invention.On the contrary, they are only with the most appended
The example of the apparatus and method that some aspects that described in detail in claims, the present invention are consistent.
Figure 1A is the flow chart according to the NFC payment shown in an exemplary embodiment, and Figure 1B is exemplary according to one
NFC payment system schematic diagram shown in embodiment, Fig. 1 C is the application according to the NFC payment shown in an exemplary embodiment
Scene graph；This NFC payment can be applied in mobile device (such as: smart mobile phone, intelligent watch, panel computer), as
Shown in Figure 1A, this NFC payment comprises the following steps:
In a step 101, when the payment request that POS terminal sends being detected, the stored value card in NFC payment system
Interface shows the target bank card information in ESE.
In one embodiment, when mobile device detects the radiofrequency signal that equipment sends, payment request can be generated.
In one embodiment, stored value card can be that Semen setariae wallet, remaining sum treasured etc. are used for managing the bank card of user, public transport
The application program of card.
In a step 102, when the operation receiving the activation target bank card that user triggers according to target bank card information
Time, generate certificate message.
In one embodiment, certificate message is used for indicating user to carry out authentication to activate target bank card.
In one embodiment, activating target bank card for arranging the state of target bank card is the state for paying.
In one embodiment, certificate message can be text prompt message；In another embodiment, authentication disappears
Breath can be auditory tone cues message；In another embodiment, certificate message can be text prompt message and auditory tone cues
The combination of message.
In step 103, if be detected that the key information that user inputs according to certificate message, according to key information
Determine whether user has the authority activating target bank card, if user has the authority activating target bank card, then perform
Step 104, otherwise performs the operation of refusal to pay.
In one embodiment, key information can be finger print information；In another embodiment, key information can be checking
Password；In another embodiment, key information can be face recognition feature information；In another embodiment, key information can
Think checking gesture；In another embodiment, key information can be finger print information, checking password, face recognition feature information,
The key information of any two or more combinations in checking gesture.
In one embodiment, if the key information of user's input is correct, it is determined that whether user has activation target silver
The authority of row card.
At step 104, activate target bank card, realize payment transaction for POS terminal by target bank card.
In an exemplary scenario, as shown in Figure 1B, mobile device 110 detects the radiofrequency signal that POS terminal 120 sends
After, NFC controller can be activated, NFC controller controls stored value card and is connected with ESE foundation, and loads the bank card letter in ESE
Breath, when user is according to target bank card to be activated, mobile device 110 may indicate that user carries out authentication, and tests in identity
Demonstrate,prove by time activate target bank card, after user activates target bank card, may indicate that NFC controller activate and ESE between
Passage, and then realize POS terminal and realize payment transaction by target bank card.
In another exemplary scenario, as shown in Figure 1 C, mobile device NFC payment system includes NFC controller 111, electricity
Sub-wallet 112, application program QPAY113, ESE114 of safety, when mobile device 110 detects that what POS terminal 120 sent penetrates
Frequently during signal, can activate NFC controller 111, this payment request is sent to stored value card 112, electronic money by NFC controller 111
When bag 112 receives payment request, set up by QPAY113 with ESE114 and is connected, and loading and the bank that shows in ESE114
Card information, when user selects activation target bank card according to the bank card information of display in stored value card 112 interface, mobile device
Instruction user carries out authentication, in authentication by rear activation target bank card, and sends a notification message to NFC controller
111, NFC controller 111 can activate the passage between NFC controller 111 and ESE, performs payment transaction.
In the present embodiment, when mobile device detects the payment request that POS terminal sends, at stored value card (such as: little
Rice wallet) the middle all bank card information shown in ESE, when user selects to activate target bank card therein, mobile device
ID card verification message instruction user can be generated carry out authentication and determining that user has the authority of activation target bank card
Time activate target bank card, realize payment transaction for POS terminal by target bank card.It is achieved in, user, there is activation
Activate target bank card during the authority of the target bank card being used for carrying out paying by mails, solve in correlation technique directly by ESE
In bank card information be pushed to POS terminal realize pay by mails security hidden trouble, improve user and use NFC to pay
Experience.
In one embodiment, in the interface of stored value card, show the target bank card information in ESE, it may include:
Control the stored value card in NFC payment system and set up the connection between ESE；
Controlling stored value card and load the bank card information in ESE by connection, wherein, bank card information includes target bank
Card information；
The bank card information in ESE is shown in stored value card interface.
In one embodiment, method may also include that
Receive the operation that user is triggered by physical keyboard, or, touched in the user interface of monitoring device by touch screen
The operation sent out, or, the operation triggered by camera head；
Generating key information according to operation, wherein, key information includes finger print information, checking password, face recognition feature
At least one information in information, checking gesture.
In one embodiment, determine whether user has the authority of activation target bank card according to key information, it may include:
Determine that key information is the most correct；
If key information is correct, it is determined that user has the authority activating target bank card；
If key information is incorrect, it is determined that user does not have the authority activating target bank card.
In one embodiment, target bank card is activated, it may include:
Activate the payment function of target bank card；
Control NFC controller and activate the passage between ESE.
In one embodiment, when receiving the operation of the activation target bank card that user triggers according to bank card information,
Generate certificate message, it may include:
When receiving the operation of the activation target bank card that user triggers according to bank card information, generate authentication and disappear
Breath；
Release certificate message.
In one embodiment, method may also include that
If user does not have the authority activating target bank card, then perform the operation of refusal to pay request.
Concrete that how to realize NFC payment, refer to subsequent embodiment.
With specific embodiment, the technical scheme that disclosure embodiment provides is described below.
Fig. 2 A is the flow chart according to the NFC payment shown in an exemplary embodiment one, and Fig. 2 B is according to an example
The flow chart of property step 201 shown in embodiment one；The present embodiment utilizes the said method that disclosure embodiment provides, to movement
The NFC of equipment pays illustrative, as shown in Figure 2 A, comprises the steps:
In step 201, when the payment request that POS terminal sends being detected, the stored value card in NFC payment system
Interface shows the target bank card information in ESE.
In one embodiment, in stored value card interface, show that the operation of the target bank card information in ESE sees Fig. 2 B
Embodiment, as shown in Figure 2 B, comprises the following steps:
In step 211, the connection between ESE set up by the stored value card controlled in NFC payment system.
In the step 212, stored value card is controlled by connecting the bank card information loaded in ESE.
In one embodiment, bank card information includes target bank card information.
In step 213, stored value card interface shows the bank card information in ESE.
In step 202., when the operation receiving the activation target bank card that user triggers according to target bank card information
Time, generate certificate message.
In one embodiment, certificate message is used for indicating user to carry out authentication to activate target bank card.
In one embodiment, certificate message can be text prompt message, such as, in paying wallet interface by mails
Eject " please input fingerprint: " word message herein；In another embodiment, certificate message can be that auditory tone cues disappears
Breath, such as, play voice and " please input fingerprint "；In another embodiment, certificate message can be text prompt message harmony
The combination of sound prompting message.
In step 203, certificate message is released.
In one embodiment, if certificate message is word message, then eject prompting message at predeterminated position；Again
In one embodiment, if certificate message is auditory tone cues message, then play voice.
In step 204, the operation that user triggers is received according to certificate message.
In one embodiment, the operation triggered by physical keyboard, such as, if key information is checking password, then may be used
Inputted by physical keyboard；In another embodiment, the operation triggered in the user interface of monitoring device by touch screen, example
As, if key information is finger print information or checking gesture, then can be inputted by touch screen；In another embodiment, if
Key information is face recognition feature information, then can trigger input by camera head.
In step 205, key information is generated according to operation.
In one embodiment, key information includes finger print information, checking password, face recognition feature information, checking gesture
In at least one information.
In step 206, determine whether user has the authority activating target bank card, if not having activation target silver
The authority of row card, performs step 207, if having the authority activating target bank card, performs step 208.
In one embodiment, the detailed process of step 206 can be found in Fig. 3 embodiment, does not first describe in detail here.
In step 207, the operation of refusal to pay request is performed.
In one embodiment, the operation of refusal to pay request can be performed by the way of closing the payment transaction page；Again
In one embodiment, also can generate prompting message, the result of instruction subscriber authentication is that user does not have activation target silver
The authority of row card, therefore cannot activate target bank card.
In a step 208, the payment function of target bank card is activated.
In step 209, control NFC controller and activate the passage between ESE.
After activating the target bank card in ESE, activate message can be sent to NFC controller by stored value card, and NFC controls
After device receives this activate message, the passage between ESE can be activated.
In step 210, the bank card information of the target bank card in ESE is sent to POS terminal, for POS terminal
Payment transaction is realized by target bank card.
In the present embodiment, by the passage between payment function and NFC controller and the ESE of activation target bank card,
POS terminal can be realized and obtain the bank card information in ESE by NFC controller, and then realize paying by mails；Additionally, pass through
Perform the operation of refusal to pay when user does not have the authority activating target bank card, the property that can avoid user is stolen
Take, it is ensured that the property safety of user.
Fig. 3 be according to shown in an exemplary embodiment two how to determine user whether have activate target bank card power
The flow chart of limit；The present embodiment with how to determine user whether have activate target bank card authority illustrative,
As it is shown on figure 3, comprise the steps:
In step 301, determine that key information is the most correct, if key information is correct, then perform step 302, if
Key information is incorrect, then perform step 303.
In one embodiment, when user inputs key information, the key that user can be inputted and Authentication server
The key of middle storage compares, if unanimously, it is determined that key information is correct, otherwise determines that key information is incorrect.
In one embodiment, key can be finger print information, checking password, face recognition feature information, checking gesture etc.
In at least one.
In step 302, determine that user has the authority activating target bank card.
In one embodiment, if key information is correct, such as fingerprint is correct, then illustrate currently to perform E-Payment
User be validated user, it is thus determined that user have activate target bank card authority.
In step 303, determine that user does not have the authority activating target bank card.
In the present embodiment, different types of key information can be generated, such as: finger print information, checking password, facial recognition are special
Whether reference breath, checking gesture etc., have the authority activating target bank card according to different types of key information checking user,
Realizing the multiformity of authentication, owing to key can be checking gesture, therefore user can arrange the gesture conduct oneself liked
Checking gesture, improves the interest of user, optimizes the experience of user further.
Fig. 4 is the block diagram according to a kind of NFC payment mechanism shown in an exemplary embodiment, applies on the mobile apparatus,
Mobile device includes NFC payment system, and as shown in Figure 4, NFC payment mechanism includes:
Display module 410, is configured to, when the payment request that point-of-sale terminal POS terminal sends being detected, pay at NFC
Stored value card interface in system shows the bank card information in embedded-type security element ESE；
Generation module 420, is configured as receiving what user triggered according to the bank card information that display module 410 shows
When activating the operation of target bank card, generating certificate message, wherein, certificate message is used for indicating user to carry out identity
Checking is to activate target bank card；
Authority determines module 430, is configured to if be detected that the authentication that user generates according to generation module 420 disappears
According to key information, the key information of breath input, determines whether user has the authority of activation target bank card；
Active module 440, if being configured to authority to determine that module 430 determines that user has the power activating target bank card
Limit, then activate target bank card, realize payment transaction for POS terminal by target bank card.
Fig. 5 is the block diagram according to the another kind of NFC payment mechanism shown in an exemplary embodiment, as it is shown in figure 5, above-mentioned
On the basis of embodiment illustrated in fig. 4, in one embodiment, display module 410 comprises the steps that
Connection establishment submodule 411, the stored value card being configured to control in NFC payment system is set up between ESE
Connect；
Load submodule 412, be configured to control the connection loading that stored value card is set up by connection establishment submodule 411
Bank card information in ESE；
Display sub-module 413, is configured to show in stored value card interface in the ESE loading submodule 412 loading
Bank card information.
In one embodiment, device may also include that
Receiver module 450, is configured to receive the operation that user is triggered by physical keyboard, or, by touch screen at prison
The operation triggered in the user interface of control equipment, or, the operation triggered by camera head；
Key production module 460, is configured to generate key information according to the operation that receiver module receives, wherein, close
Key information includes at least one information in finger print information, checking password, face recognition feature information, checking gesture.
In one embodiment, authority determines that module 430 comprises the steps that
Key determines submodule 431, is configured to determine that key information is the most correct；
First determines submodule 432, if being configured to key to determine that submodule 431 determines that key information is correct, the most really
Determine user and there is the authority activating target bank card；
Second determines submodule 433, if being configured to key to determine that submodule 431 determines that key information is incorrect, then
Determine that user does not have the authority activating target bank card.
Fig. 6 is the block diagram according to another the NFC payment mechanism shown in an exemplary embodiment, as shown in Figure 6, above-mentioned
On the basis of Fig. 4 or embodiment illustrated in fig. 5, in one embodiment, active module 440 comprises the steps that
First activates submodule 441, is configured to activate the payment function of target bank card；
Second activates submodule 442, is configured to control NFC controller and activates the passage between ESE.
In one embodiment, generation module 420 comprises the steps that
Generate submodule 421, be configured as receiving what user triggered according to the bank card information that display module shows
When activating the operation of target bank card, generate certificate message；
Release submodule 422, be configured to release the certificate message generating submodule generation.
In one embodiment, device may also include that
Refusal to pay module 470, if being configured to authority to determine that module 430 determines that user does not have activation target bank
The authority of card, then perform the operation of refusal to pay request.
In said apparatus, the function of unit and the process that realizes of effect specifically refer to corresponding step in said method
Realize process, do not repeat them here.
For device embodiment, owing to it corresponds essentially to embodiment of the method, so relevant part sees method in fact
The part executing example illustrates.Device embodiment described above is only schematically, wherein illustrates as separating component
Unit can be or may not be physically separate, the parts shown as unit can be or may not be
Physical location, i.e. may be located at a place, or can also be distributed on multiple NE.Can be according to the actual needs
Select some or all of module therein to realize the purpose of disclosure scheme.Those of ordinary skill in the art are not paying wound
In the case of the property made work, i.e. it is appreciated that and implements.
Fig. 7 is according to a kind of block diagram being applicable to NFC payment mechanism shown in an exemplary embodiment.Such as, device 700
It can be balance car.
With reference to Fig. 7, device 700 can include following one or more assembly: processes assembly 702, memorizer 704, power supply
Assembly 706, multimedia groupware 708, audio-frequency assembly 710, the interface 712 of input/output (I/O), sensor cluster 714, and
Communications component 716.
Process assembly 702 and generally control the integrated operation of device 700, such as with display, call, data communication, phase
The operation that machine operation and record operation are associated.Treatment element 702 can include that one or more processor 720 performs to refer to
Order, to complete all or part of step of above-mentioned method.Additionally, process assembly 702 can include one or more module, just
Mutual in process between assembly 702 and other assemblies.Such as, processing component 702 can include multi-media module, many to facilitate
Media component 708 and process between assembly 702 mutual.
Memorizer 704 is configured to store various types of data to support the operation at equipment 700.Showing of these data
Example includes any application program for operation on device 700 or the instruction of method, message, picture etc..Memorizer 704 is permissible
Realized, such as static RAM by any kind of volatibility or non-volatile memory device or combinations thereof
(SRAM), Electrically Erasable Read Only Memory (EEPROM), Erasable Programmable Read Only Memory EPROM (EPROM), able to programme
Read only memory (PROM), read only memory (ROM), magnetic memory, flash memory, disk or CD.
The various assemblies that power supply module 706 is device 700 provide electric power.Electric power assembly 706 can include power management system
System, one or more power supplys, and other generate, manage and distribute, with for device 700, the assembly that electric power is associated.
The screen of one output interface of offer that multimedia groupware 708 is included between device 700 and user.Real at some
Executing in example, screen can include liquid crystal display (LCD) and touch panel (TP).If screen includes touch panel, screen can
To be implemented as touch screen, to receive the input signal from user.Touch panel include one or more touch sensor with
Gesture on sensing touch, slip and touch panel.Touch sensor can not only sense touch or the border of sliding action, and
And also detect and touch or persistent period that slide is relevant and pressure.In certain embodiments, multimedia groupware 708 includes
One front-facing camera and/or post-positioned pick-up head.When equipment 700 is in operator scheme, during such as screening-mode or video mode, front
Put photographic head and/or post-positioned pick-up head can receive outside multi-medium data.Each front-facing camera and post-positioned pick-up head can
To be a fixing optical lens system or there is focal length and optical zoom ability.
Audio-frequency assembly 710 is configured to output and/or input audio signal.Such as, audio-frequency assembly 710 includes a Mike
Wind (MIC), when device 700 is in operator scheme, during such as call model, logging mode and speech recognition mode, mike is joined
It is set to receive external audio signal.The audio signal received can be further stored at memorizer 704 or via communication set
Part 716 sends.In certain embodiments, audio-frequency assembly 710 also includes a speaker, is used for exporting audio signal.
I/O interface 712 provides interface for processing between assembly 702 and peripheral interface module, above-mentioned peripheral interface module can
To be keyboard, put striking wheel, button etc..These buttons may include but be not limited to: home button, volume button, start button and lock
Set button.
Sensor cluster 714 includes one or more sensor, for providing the state of various aspects to comment for device 700
Estimate.Such as, what sensor cluster 714 can detect equipment 700 opens/closed mode, the relative localization of assembly, such as assembly
For display and the keypad of device 700, sensor cluster 714 can also detect device 700 or the position of 700 1 assemblies of device
Put change, the presence or absence that user contacts, device 700 orientation or acceleration/deceleration and the temperature of device 700 with device 700
Change.Sensor cluster 714 can include proximity transducer, is configured to when not having any physical contact near detection
The existence of object.Sensor cluster 714 can also include optical sensor, and such as CMOS or ccd image sensor, being used for should in imaging
Use middle use.In certain embodiments, this sensor cluster 714 can also include acceleration transducer, gyro sensor, magnetic
Sensor, distance-sensor, pressure transducer or temperature sensor.
Communications component 716 is configured to facilitate the communication of wired or wireless mode between device 700 and other equipment.Device
700 can access wireless network based on communication standard, such as WIFI, 2G or 3G, or combinations thereof.An exemplary enforcement
In example, communication component 716 receives the broadcast singal from external broadcasting management system or broadcast related information via broadcast channel.
In one exemplary embodiment, communication component 716 also includes near-field communication (NFC) module, to promote junction service.Such as,
Can be based on RF identification (RFID) technology in NFC module, Infrared Data Association (IrDA) technology, ultra broadband (UWB) technology, bluetooth
(BT) technology and other technologies realize.
In the exemplary embodiment, device 700 can be by one or more application specific integrated circuits (ASIC), numeral letter
Number processor (DSP), digital signal processing appts (DSPD), PLD (PLD), field programmable gate array
(FPGA), controller, microcontroller, microprocessor or other electronic components realize, be used for performing said method.
In the exemplary embodiment, a kind of non-transitory computer-readable recording medium including instruction, example are additionally provided
As included the memorizer 704 of instruction, above-mentioned instruction can have been performed said method by the processor 720 of device 700.Such as,
Described non-transitory computer-readable recording medium can be ROM, random access memory (RAM), CD-ROM, tape, floppy disk
With optical data storage devices etc..
Those skilled in the art, after considering description and putting into practice disclosure disclosed herein, will readily occur to its of the disclosure
Its embodiment.The application is intended to any modification, purposes or the adaptations of the disclosure, these modification, purposes or
Person's adaptations is followed the general principle of the disclosure and includes the undocumented common knowledge in the art of the disclosure
Or conventional techniques means.Description and embodiments is considered only as exemplary, and the true scope of the disclosure and spirit are by following
Claim is pointed out.
It should be appreciated that the disclosure is not limited to precision architecture described above and illustrated in the accompanying drawings, and
And various modifications and changes can carried out without departing from the scope.The scope of the present disclosure is only limited by appended claim.
Claims (15)
1. a NFC payment, it is characterised in that on the mobile apparatus, described mobile device includes that NFC pays system in application
System, described method includes:
When the payment request that point-of-sale terminal POS terminal sends being detected, the stored value card interface in described NFC payment system
Target bank card information in middle display embedded-type security element ESE；
When receiving the operation of the activation target bank card that user triggers according to described target bank card information, generate identity and test
Card message, wherein, described certificate message is used for indicating described user to carry out authentication to activate described target bank card；
If be detected that the key information that described user inputs according to described certificate message, determine according to described key information
Whether described user has the authority activating described target bank card；
If described user has the authority activating described target bank card, then activate described target bank card, for described POS
Equipment realizes payment transaction by described target bank card.
Method the most according to claim 1, it is characterised in that described show in ESE in the interface of described stored value card
Target bank card information, including:
Control the stored value card in described NFC payment system and set up the connection between described ESE；
Control described stored value card by the described bank card information connecting and loading in described ESE, wherein, described bank card information
Including described target bank card information；
The bank card information in described ESE is shown in described stored value card interface.
Method the most according to claim 1, it is characterised in that described method also includes:
Receive the operation that described user is triggered by physical keyboard, or, by touch screen in the user interface of described monitoring device
The operation of upper triggering, or, the operation triggered by camera head；
Generating described key information according to described operation, wherein, described key information includes finger print information, checking password, face
Identify at least one information in characteristic information, checking gesture.
Method the most according to claim 1, it is characterised in that described whether determine described user according to described key information
There is the authority activating described target bank card, including:
Determine that described key information is the most correct；
If described key information is correct, it is determined that described user has the authority activating described target bank card；
If described key information is incorrect, it is determined that described user does not have the authority activating described target bank card.
Method the most according to claim 1, it is characterised in that described activation described target bank card, including:
Activate the payment function of described target bank card；
Control described NFC controller and activate the passage between described ESE.
Method the most according to claim 1, it is characterised in that described tactile according to described bank card information when receiving user
During the operation of activations target bank card sent out, generation certificate message, including:
When receiving the operation of the activation target bank card that user triggers according to described bank card information, generate authentication and disappear
Breath；
Release described certificate message.
Method the most according to claim 1, it is characterised in that described method also includes:
If described user does not have the authority activating described target bank card, then perform the described operation paying request of refusal.
8. a NFC payment mechanism, it is characterised in that on the mobile apparatus, described mobile device includes that NFC pays system in application
System, described device includes:
Display module, is configured to, when the payment request that point-of-sale terminal POS terminal sends being detected, pay system at described NFC
Stored value card interface in system shows the bank card information in embedded-type security element ESE；
Generation module, is configured as receiving user according to swashing that the described bank card information that described display module shows triggers
Live target bank card operation time, generate certificate message, wherein, described certificate message is used for indicating described user to enter
Row authentication is to activate described target bank card；
Authority determines module, is configured to if be detected that the described authentication that generates according to described generation module of described user
According to described key information, the key information of message input, determines whether described user has the power of described target bank card of activating
Limit；
Active module, if being configured to described authority to determine that module determines that described user has and activates described target bank card
Authority, then activate described target bank card, realizes payment transaction for described POS terminal by described target bank card.
Device the most according to claim 8, it is characterised in that described display module includes:
Connection establishment submodule, the stored value card being configured to control in described NFC payment system is set up between described ESE
Connect；
Load submodule, be configured to control the described connection that described stored value card set up by described connection establishment submodule and add
Carry the bank card information in described ESE；
Display sub-module, is configured to show in the described ESE that described loading submodule loads in described stored value card interface
Bank card information.
Device the most according to claim 8, it is characterised in that described device also includes:
Receiver module, is configured to receive the operation that described user is triggered by physical keyboard, or, by touch screen at described prison
The operation triggered in the user interface of control equipment, or, the operation triggered by camera head；
Key production module, is configured to the described operation according to described receiver module receives and generates described key information, its
In, described key information includes at least one letter in finger print information, checking password, face recognition feature information, checking gesture
Breath.
11. devices according to claim 8, it is characterised in that described authority determines that module includes:
Key determines submodule, is configured to determine that described key information is the most correct；
First determines submodule, if being configured to described key to determine that submodule determines that described key information is correct, it is determined that
Described user has the authority activating described target bank card；
Second determines submodule, if being configured to described key to determine that submodule determines that described key information is incorrect, the most really
Fixed described user does not have the authority activating described target bank card.
12. devices according to claim 8, it is characterised in that described active module includes:
First activates submodule, is configured to activate the payment function of described target bank card；
Second activates submodule, is configured to control described NFC controller and activates the passage between described ESE.
13. devices according to claim 8, it is characterised in that described generation module includes:
Generate submodule, be configured as receiving what user triggered according to the described bank card information that described display module shows
When activating the operation of target bank card, generate certificate message；
Release submodule, be configured to release the described certificate message that described generation submodule generates.
14. devices according to claim 8, it is characterised in that described device also includes:
Refusal to pay module, if being configured to described authority to determine that module determines that described user does not have activation described target silver
The authority of row card, then perform the described operation paying request of refusal.
15. 1 kinds control the device that NFC pays, it is characterised in that on the mobile apparatus, described mobile device includes NFC in application
Payment system, described device includes:
Processor；
For storing the memorizer of processor executable；
Wherein, described processor is configured to:
When the payment request that point-of-sale terminal POS terminal sends being detected, the stored value card interface in described NFC payment system
Target bank card information in middle display embedded-type security element ESE；
When receiving the operation of the activation target bank card that user triggers according to described target bank card information, generate identity and test
Card message, wherein, described certificate message is used for indicating described user to carry out authentication to activate described target bank card；
If be detected that the key information that described user inputs according to described certificate message, determine according to described key information
Whether described user has the authority activating described target bank card；
If described user has the authority activating described target bank card, then activate described target bank card, for described POS
Equipment realizes payment transaction by described target bank card.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610509385.3A CN106204011A (en) | 2016-06-30 | 2016-06-30 | NFC payment and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610509385.3A CN106204011A (en) | 2016-06-30 | 2016-06-30 | NFC payment and device |
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| Publication Number | Publication Date |
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| CN106204011A true CN106204011A (en) | 2016-12-07 |
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ID=57464023
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610509385.3A Pending CN106204011A (en) | 2016-06-30 | 2016-06-30 | NFC payment and device |
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