CN106296169A - A kind of method of payment based on NFC and device - Google Patents
A kind of method of payment based on NFC and device Download PDFInfo
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- CN106296169A CN106296169A CN201610614647.2A CN201610614647A CN106296169A CN 106296169 A CN106296169 A CN 106296169A CN 201610614647 A CN201610614647 A CN 201610614647A CN 106296169 A CN106296169 A CN 106296169A
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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
- G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
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- General Business, Economics & Management (AREA)
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- Theoretical Computer Science (AREA)
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- Computer Networks & Wireless Communication (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
A kind of based on NFC method of payment of present invention offer and device, payer terminal produces wireless payment request, and the payment information of payer is carried in this payment request.Setting up NFC communication between payer terminal with beneficiary terminal to be connected, wireless payment request is sent to beneficiary terminal by NFC communication mode by payer terminal.Beneficiary terminal returns Receiving information by NFC communication mode to payer terminal.Payer terminal completes the payment between payer and beneficiary according to payment information and Receiving information.As shown in the above, the method obtains the information of beneficiary by NFC communication mode, compared with by the way of scanning Quick Response Code, the method will not transmitted virus or malice network address etc., safety is higher, also, it is not necessary to scanning input Quick Response Code, user's brushing tool in the POS of beneficiary is only needed to have the terminal operation of NFC, more convenient operation.
Description
Technical field
The invention belongs to field of terminal technology, particularly relate to a kind of based on NFC (Near Field Communication,
Near-field communication) method of payment and device.
Background technology
NFC is the wireless communication technology of a kind of short distance high frequency, by RFID (Radio Frequency
Identification, RF identification) develop.It is contactless point-to-point that NFC allows to carry out short distance between electronic equipment
Data are transmitted.
At present, a lot of mobile terminals all support NFC communication, but, the NFC function that mobile terminal is supported is generally only use
Carrying out Query Information, supplement with money for IC-card, owing to relating to the problems such as structure and the hardware modification cost of complete industrial chain, NFC pays
Function hardly results in widespread adoption.One of very widely used today mobile payment mode is that Quick Response Code pays, and Quick Response Code pays
Being a kind of new generation of wireless payment scheme built based on system of account, under this payment scheme, businessman can be the account of oneself
Number, the Transaction Information such as commodity price be assembled into a Quick Response Code, user just can be realized and businessman's account by mobile telephone scanning Quick Response Code
The payment and settlement at family.Due to Quick Response Code barcode scanning instrument not malice network address identification and interdiction capability, that give mobile phone viruses very big
Communication space so that there is potential safety hazard in the Quick Response Code means of payment.
Summary of the invention
In view of this, it is an object of the invention to provide a kind of method of payment based on NFC and device, to improve mobile
The safety of the mode of paying and convenience.
First aspect, the present invention provides a kind of method of payment based on near-field communication NFC, is applied to have NFC module
In payer terminal, described method includes:
Acquisition wireless payment is asked, and payment information is carried in the request of described wireless payment, and described payment information comprises payment gold
Volume；
The NFC communication set up between payer terminal with beneficiary terminal is connected, and is connected institute by described NFC communication
State wireless payment request and be sent to described beneficiary terminal；
By described NFC communication connect receive described beneficiary terminal return Receiving information, described Receiving information be by
The information comprising collecting account that described beneficiary terminal produces according to the request of described wireless payment；
Delivery operation is completed according to described payment information and described Receiving information.
Alternatively, described complete delivery operation according to described payment information and described Receiving information, including:
Payment instruction is generated according to described payment information and described Receiving information；
Described payment instruction is sent to server, so that described server pays gold according to described payment instruction by described
Volume is transferred accounts described collecting account from payment account.
Alternatively, described acquisition wireless payment is asked, including:
Detection operating body touch-control on the operation interface of described payer terminal pays the touch control operation of control；
After described touch control operation being detected, obtain the payment that described operating body inputs on described operation interface；
According to described payment, generate the request of described wireless payment.
Second aspect, the present invention provides a kind of method of payment based on near-field communication NFC, is applied to have NFC module
In beneficiary terminal, described method includes:
The NFC communication set up between beneficiary terminal with payer terminal is connected；
Connected by described NFC communication and receive the wireless payment request that described payer terminal sends, and according to described nothing
Line pays request and produces Receiving information, and described Receiving information comprises collecting account；
Connected by described NFC communication and described Receiving information is sent to described payer terminal, so that described payer
Terminal completes delivery operation according to described payment information and described Receiving information.
Alternatively, described beneficiary terminal includes intelligent terminal and at least one point-of-sale terminal POS supporting NFC, and
Pre-build the mapping relations between the identification code of described collecting account and described POS；
Described connection by described NFC communication receives the wireless payment request that payer terminal sends, according to described wireless
The request of payment produces Receiving information, including:
Set up, with described payer NFC module, the target POS that NFC communication is connected, connected by NFC communication described in receiving
Wireless payment is asked, and is sent to described intelligent terminal by communication connection between described intelligent terminal and described target POS；
Described intelligent terminal produces Receiving information according to the request of described wireless payment, and by described intelligent terminal with described
Communication connection between target POS is sent to described target POS, so that described Receiving information is led to by described target POS
Cross the connection of described NFC communication and be sent to described payer terminal.
The third aspect, the present invention provides a kind of method of payment based on near-field communication NFC, is applied to have NFC module
In beneficiary terminal, described method includes:
Obtaining gathering request, collecting account and collection amount information are carried in described gathering request；
The NFC communication set up between described beneficiary terminal and payer terminal is connected, and is connected by described NFC communication
Described gathering request is sent to described payer terminal, so that described payer terminal is requested for payment according to described gathering；
Receive the payment of payment account corresponding to described payer terminal.
Alternatively, described acquisition gathering request, including:
Detection operating body is the touch control operation of touch-control gathering control on the operation interface of described beneficiary terminal；
After described touch control operation being detected, obtain the collection amount that described operating body inputs on described operation interface；
Obtain the collecting account that described beneficiary is corresponding；
According to described collection amount and described collecting account, generate described gathering request.
Alternatively, described cash receiving terminal includes intelligent terminal and at least one sale POS supporting NFC, described acquisition
Gathering request, including:
The collection amount that described POS detection operating body inputs in described POS；
Described POS communicates with described intelligent terminal and obtains the collecting account that beneficiary is corresponding；
Described POS produces described gathering request according to described collection amount and described collecting account.
Fourth aspect, the present invention provides a kind of method of payment based on near-field communication NFC, is applied to have NFC module
In payer terminal, described method includes:
The NFC communication set up between described payer terminal and beneficiary terminal is connected, and is connected by described NFC communication
Receive the gathering request that described beneficiary terminal sends；
Generate payment instruction according to described gathering request, and described payment instruction is sent to server, so that described clothes
Collection amount is transferred accounts collecting account from payment account by business device according to described payment instruction.
5th aspect, the present invention provides a kind of payment mechanism based on near-field communication NFC, is applied to have NFC module
In payer terminal, described device includes:
Acquisition module, is used for obtaining wireless payment request, and payment information, described disbursement letter are carried in the request of described wireless payment
Breath comprises payment；
NFC connection establishment module, is connected for the NFC communication set up between payer terminal with beneficiary terminal, and leads to
Cross the connection of described NFC communication and the request of described wireless payment is sent to described beneficiary terminal；
Receiver module, receives, for being connected by described NFC communication, the Receiving information that described beneficiary terminal returns, described
Receiving information is the information comprising collecting account produced according to the request of described wireless payment by described beneficiary terminal；
Payment module, for completing delivery operation according to described payment information and described Receiving information.
Alternatively, described payment module, including:
Instruction generates submodule, for generating payment instruction according to described payment information and described Receiving information；
Send submodule, for described payment instruction being sent to server, so that described server is according to described payment
Described payment is transferred accounts described collecting account by instruction from payment account.
Alternatively, described acquisition module, including:
Detection sub-module, pays touching of control for detecting operating body touch-control on the operation interface of described payer terminal
Control operation；
Obtain submodule, for after described detection sub-module detects described touch control operation, obtain described operating body and exist
The payment of input on described operation interface；
Request generates submodule, for according to described payment, generates the request of described wireless payment.
6th aspect, the present invention provides a kind of payment mechanism based on near-field communication NFC, is applied to have NFC module
In beneficiary terminal, described device includes:
NFC connection establishment module, is connected for the NFC communication set up between beneficiary terminal with payer terminal；
Receiving information generation module, receives the wireless of described payer terminal transmission for being connected by described NFC communication
Paying request, and produce Receiving information according to the request of described wireless payment, described Receiving information comprises collecting account；
Sending module, is sent to described payer terminal for being connected by described NFC communication by described Receiving information, with
Described payer terminal is made to complete delivery operation according to described payment information and described Receiving information.
Alternatively, described beneficiary terminal includes intelligent terminal and at least one point-of-sale terminal POS supporting NFC, and
Pre-build the mapping relations between the identification code of described collecting account and described POS；Described Receiving information generation module, bag
Include:
Receive submodule, for making described payer NFC module set up the target POS that NFC communication connects, pass through NFC
Communication connection receives the request of described wireless payment, and by communication link sending and receiving between described intelligent terminal and described target POS
Give described intelligent terminal；
Information produces submodule, is used for making described intelligent terminal produce Receiving information according to the request of described wireless payment, and
It is sent to described target POS by the communication connection between described intelligent terminal and described target POS, so that described target
Described Receiving information is sent to described payer terminal by the connection of described NFC communication by POS.
7th aspect, the present invention provides a kind of payment mechanism based on near-field communication NFC, is applied to have NFC module
In beneficiary terminal, described device includes:
Acquisition module, is used for obtaining gathering request, and collecting account and collection amount information are carried in described gathering request；
NFC connection establishment module, is connected for the NFC communication set up between described beneficiary terminal and payer terminal；
Sending module, is sent to described payer terminal for being connected by described NFC communication by described gathering request, with
Described payer terminal is made to request for payment according to described gathering；
Receiver module, for receiving the payment of payment account corresponding to described payer terminal.
Alternatively, described acquisition module, including:
First detection sub-module, for detecting operating body touch-control gathering control on the operation interface of described beneficiary terminal
Touch control operation；
First obtains submodule, for after described detection sub-module detects described touch control operation, obtains described operation
The collection amount that body inputs on described operation interface；
Second obtains submodule, for obtaining the collecting account that described beneficiary is corresponding；
First request generates submodule, and for according to described collection amount and described collecting account, generating described gathering please
Ask.
Alternatively, described cash receiving terminal includes intelligent terminal and at least one sale POS supporting NFC, described acquisition
Module, including:
Second detection sub-module, for detecting the collection amount that operating body inputs in described POS；
3rd obtains submodule, obtains, for making described POS communicate with described intelligent terminal, the gathering that beneficiary is corresponding
Account；
Second request generates submodule, please for producing described gathering according to described collection amount and described collecting account
Ask.
Eighth aspect, the present invention provides a kind of payment mechanism based on near-field communication NFC, is applied to have NFC module
In payer terminal, described device includes:
NFC connection establishment module, is connected for the NFC communication set up between described payer terminal and beneficiary terminal,
And connect, by described NFC communication, the gathering request that the described beneficiary terminal of reception sends；
Payment instruction generation module, for generating payment instruction according to described gathering request, and sends out described payment instruction
Give server, so that collection amount is transferred accounts collecting account from payment account by described server according to described payment instruction
In.The method of payment based on NFC of the present embodiment offer and device, be applied to have in the terminal of NFC function, payer terminal
Generation wireless payment is asked, and the payment information of payer is carried in this payment request.Build between payer terminal and beneficiary terminal
Vertical NFC communication connects, and wireless payment request is sent to beneficiary terminal by NFC communication mode by payer terminal.Beneficiary
Terminal returns Receiving information by NFC communication mode to payer terminal.Payer terminal is according to payment information and Receiving information
Complete the payment between payer and beneficiary.As shown in the above, the method obtains beneficiary by NFC communication mode
Information, compared with by the way of scanning Quick Response Code, the method will not transmitted virus or malice network address etc., safety is higher, and
And, it is not necessary to user performs to scan the operation of Quick Response Code, only needs user's brushing tool in the POS of beneficiary to have the terminal of NFC to grasp
, more convenient operation.
Accompanying drawing explanation
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
In having technology to describe, the required accompanying drawing used is briefly described, it should be apparent that, the accompanying drawing in describing below is the present invention
Some embodiments, for those of ordinary skill in the art, on the premise of not paying creative work, it is also possible to according to
These accompanying drawings obtain other accompanying drawing.
Fig. 1 is the schematic diagram of a kind of payment system based on NFC of the embodiment of the present invention；
Fig. 2 is the schematic flow sheet of a kind of method of payment based on NFC of the embodiment of the present invention；
Fig. 3 is the schematic flow sheet of the another kind of method of payment based on NFC of the embodiment of the present invention；
Fig. 4 is the schematic flow sheet of the another kind of method of payment based on NFC of the embodiment of the present invention；
Fig. 5 is the block diagram of a kind of payment mechanism based on NFC of the embodiment of the present invention；
Fig. 6 is the block diagram of a kind of payment module of the embodiment of the present invention；
Fig. 7 is the block diagram of the another kind of payment mechanism based on NFC of the embodiment of the present invention；
Fig. 8 is the block diagram of embodiment of the present invention Receiving information generation module；
Fig. 9 is the block diagram of another payment mechanism based on NFC of the embodiment of the present invention；
Figure 10 is the block diagram of the another kind of payment mechanism based on NFC of the embodiment of the present invention.
Detailed description of the invention
For making the purpose of the embodiment of the present invention, technical scheme and advantage clearer, below in conjunction with the embodiment of the present invention
In accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is
The 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
The every other embodiment obtained under not making creative work premise, broadly falls into the scope of protection of the invention.
Refer to the schematic diagram that Fig. 1 and Fig. 2, Fig. 1 are a kind of payment system based on NFC of the embodiment of the present invention；Fig. 2 is this
Invent a kind of method of payment schematic flow sheet based on NFC.
The payment scene that system shown in Figure 1 is applied between personal user and enterprise customer, as it is shown in figure 1, based on NFC
Payment system includes individual client's end 110, enterprise client 120, POS 130 and server 140.
Wherein, individual client's end 110 may be mounted on the mobile terminal with NFC function, such as, and smart mobile phone or flat
Plate computer etc..Enterprise client 120 may be mounted on PC, smart mobile phone or panel computer.
Individual client's end 110 and enterprise client 120 can bind at least one Bank Account Number by the third Protocol,
So, the account that personal user is corresponding with enterprise customer can be carried out fund and proceeds to or produce.
For personal user, personal account can be registered on individual client's end, then this personal account be bound
At least one Bank Account Number, such that it is able to proceed to the fund in Bank Account Number in this personal account；Meanwhile, in personal account
Fund can produce in business account, i.e. personal user pays the bill to this enterprise customer, and such as, individual is to merchant payment.
In like manner, for enterprise customer, can on enterprise client registered enterprise's account, then by this business account
Bind at least one Bank Account Number, such that it is able to the fund in Bank Account Number proceeded in this business account；Furthermore, it is possible to will enterprise
Fund in industry account produces in Bank Account Number or other accounts.
Individual client's end and enterprise client are all by interaction data between the Internet and corresponding server.In other words,
Fund flow between personal account or business account is completed by the server that client is corresponding, i.e. real in internet environment
Existing.But setting up to contact between personal account and business account is realized by NFC communication mode.
Below in conjunction with Fig. 2, payment process is illustrated:
Referring to Fig. 2, the method is applied to have in the terminal of NFC function, such as, and smart mobile phone, panel computer etc..Should
The executive agent of method is the side needing payment, i.e. payer.
The method be applied to payer initiate pay request application scenarios in, as in figure 2 it is shown, the method can include with
Lower step:
S110, payer terminal obtains the wireless payment request that payer is initiated.
Payer terminal i.e. payment transaction needs the terminal corresponding to a side of payment, as support NFC smart mobile phone or
The mobile terminals such as panel computer.
The payment information of described payer is carried in the request of this wireless payment.Wherein, this payment information can include payer
Account, the information such as payment.
The method can (Application applies journey by installing corresponding APP in the terminal with NFC function
Sequence) realize.Such as, user can install above-mentioned APP, and login account on mobile phone, and this APP can be tied up by the third Protocol
Determine bank card, i.e. the APP account of user's registration can bind at least one Bank Account Number, thus the fund realizing APP account turns
Enter to produce.
This APP detection operating body touch-control on the operation interface of described payer terminal pays the touch control operation of control；Inspection
After measuring described touch control operation, obtain the payment that described operating body inputs on described operation interface；According to described payment
The amount of money, generates the request of described wireless payment.
Such as, APP is provided with " pay the bill or pay " control, when user needs to other people or merchant payment, permissible
Clicking on this control, then, user can input payment in the Payment Amount input frame on APP operation interface, now,
APP generates the request of corresponding wireless payment according to payment.
S120, the NFC communication that payer terminal is set up between payer terminal with beneficiary terminal is connected, by described
NFC communication connects asks to be sent to beneficiary terminal by described wireless payment.
The NFC module of payer terminal is set up NFC communication with the NFC module of beneficiary terminal and is connected, and then is led to by NFC
Letter connection communicates, and wireless payment request is sent to beneficiary terminal by NFC communication connection by payer terminal, and request obtains
Obtain the Receiving information of beneficiary.
S130, payer terminal connects the Receiving information receiving the return of described beneficiary terminal by NFC communication.
The terminal that a side of gathering is corresponding is needed during beneficiary terminal i.e. payment transaction.Beneficiary can be that enterprise uses
Family, such as, school lunch service, supermarket, shop etc., under this kind of application scenarios, beneficiary terminal can be terminal (such as, PC, intelligence
Energy mobile phone, panel computer etc.) and the POS combination of at least one support NFC.Certainly, beneficiary can also be personal user, example
As, the scene that user A transfers accounts to user B, under this kind of application scenarios, beneficiary terminal can also be the intelligence with NFC function
The mobile terminal such as mobile phone or panel computer.
Beneficiary user needs to install corresponding APP, and login account in beneficiary terminal, for enterprise customer, needs
In mapping relations between APP account to be pre-build and POS, account enterprise customer can registered and POS
The identification code binding of NFC module.
Payer terminal, after beneficiary terminal sends wireless payment request, is the scene of enterprise customer for beneficiary,
Wireless payment request is sent to corresponding beneficiary APP by the communication connection between POS with gathering APP by POS, gathering
Side APP generates Receiving information according to collecting account after receiving wireless payment request, and Receiving information is sent to POS, POS
Machine is connected by NFC communication Receiving information is sent to payer terminal.
In some embodiments of the invention, the communication connection between POS and gathering APP includes following two mode:
1) beneficiary terminal is connected by wired mode with POS, is i.e. wired connection between the terminal at POS and gathering APP place；
2) beneficiary terminal and POS are all connected with the Internet, i.e. POS is led to gathering APP by server corresponding for beneficiary APP
Letter.
S140, payer terminal according to described payment information and described Receiving information complete described payer and beneficiary it
Between payment.
After payer terminal receives the Receiving information of beneficiary, according to payment information and Receiving information complete payer with
Payment funding between beneficiary.Concrete, payment is proceeded to beneficiary account from payer account.
The method of payment based on NFC that the present embodiment provides, payer obtains the letter of beneficiary by NFC communication mode
Breath, compared with by the way of scanning Quick Response Code, the method will not transmitted virus or malice network address etc., safety is higher, and,
Need not user and perform to scan the operation of Quick Response Code, only need user's brushing tool in the POS of beneficiary to have the terminal operation of NFC i.e.
Can, more convenient operation.
Referring to Fig. 3, for a kind of method of payment based on NFC of the embodiment of the present invention, the present embodiment is applied to include paying
In the system of side's terminal, receiving side terminal and server.The present embodiment is still carried out as a example by enterprise customer pays the bill by personal user
Explanation.As it is shown on figure 3, the method comprises the following steps:
S210, payer client obtains wireless payment request, and the payment information of payer is carried in the request of this wireless payment.
Payer user clicks on " pay the bill or pay " control in payer terminal and produces the request of corresponding wireless payment.
S220, the NFC communication that payer client is set up between payer terminal with beneficiary POS is connected, and passes through
This NFC communication connects to the transmission wireless payment request of beneficiary POS.
NFC communication between NFC module and the POS of beneficiary of payer terminal control therein is connected.Pay
Client in side's terminal produces the NFC module that wireless payment asks to be sent in payer terminal, NFC module pass through NFC
Communicate to connect the POS that wireless payment request is sent to beneficiary.
S230, wireless payment request is sent to beneficiary client by beneficiary POS.
Wireless payment request is sent to beneficiary visitor by the communication connection between self and beneficiary client by POS
Family end.
S240, beneficiary client generates Receiving information according to wireless payment request, and is sent to beneficiary POS.
S250, Receiving information is sent to the NFC module in payer terminal by beneficiary POS.
Beneficiary POS connects the NFC module being sent in payer terminal by Receiving information by NFC communication.
S260, Receiving information is sent to payer client by the NFC module in payer terminal.
NFC module in payer terminal by NFC module and payer client communication link between the controllers
Connect and Receiving information is sent to payer client.
S270, payer client generates payment instruction according to payment information and Receiving information and is sent to server.
S280, payment is forwarded to collecting account from payment account according to payment instruction by server, completes to pay behaviour
Make.
S290, server sends to payer client and pays success message, and shows this in payer client
Pay success message；Meanwhile, server sends gathering success message to beneficiary client, and shows receipts in beneficiary client
Money success message.
The method of payment based on NFC that the present embodiment provides, payer and beneficiary are required in terminal install accordingly
Client, and register, after registration, Bank Account Number can be bound by the third Protocol.Lead between payer and beneficiary
Cross NFC communication mode and set up contact, i.e. payer obtains the information of beneficiary by NFC communication mode, and then, server is rear
Platform completes the payment between payer and beneficiary.Compared with by the way of scanning Quick Response Code, utilize the NFC method will not
Transmitted virus or malicious websites, safety is higher, and, it is only necessary to user's brushing tool in the POS of beneficiary has the terminal of NFC
Operate, more convenient operation.
Referring to Fig. 4, for the schematic flow sheet of the another kind of method of payment based on NFC of the embodiment of the present invention, the method should
In the payment system based on NFC shown in Fig. 1, and it is applied in the application scenarios that beneficiary initiates gathering.Such as Fig. 4 institute
Showing, the method comprises the following steps:
S310, beneficiary client obtains gathering request, and is sent to target POS.Gathering request carry collecting account and
Collection amount information.
Target POS can be any one POS at least one POS corresponding with beneficiary client.
In some embodiments of the invention, detection operating body touch-control gathering control on the operation interface of beneficiary terminal
Touch control operation；After touch control operation being detected, obtain operating body collection amount of input on operation interface；Obtain beneficiary pair
The collecting account answered.
Such as, beneficiary user can arrange collection amount or gathering detail on APP, and according to collection amount information and
Collecting account generates gathering request and is sent to POS, and shows beneficiary information, collection amount or gathering detail in POS.
In other embodiments of the invention, POS producing gathering request, concrete, POS detection operating body is in institute
State the collection amount of input in POS；POS obtains, with beneficiary APP communication, the collecting account that beneficiary is corresponding；POS root
Gathering request is produced according to described collection amount and described collecting account.
Such as, user can arrange collection amount information in POS, and POS is by obtaining with beneficiary client communication
Take collecting account.POS generates gathering request according to collection amount information and collecting account.
S320, the NFC communication that target POS is set up between self and the NFC module of payer terminal is connected, and passes through
NFC communication connects NFC module gathering request being sent in payer terminal.
S330, gathering request is sent to payer client by the NFC module in payer terminal.
S340, payer client produces payment instruction according to gathering request, and is sent to server.
S350, collection amount, according to payment instruction, is proceeded to collecting account by server from payment account.
S360, server sends to payer client and pays success message, and shows this in payer client
Pay success message；Meanwhile, server sends gathering success message to beneficiary client, and shows receipts in beneficiary client
Money success message.
Alternatively, as it is shown in figure 1, the present embodiment applied based on NFC payment system, it is also possible to include and individual client
IC (Integrated Circuit, the integrated circuit) card that end is associated.IC-card and individual can be set up by individual client's end
Incidence relation between client, will personal user information write in IC-card.Wherein, the account of this IC-card is individual client's end
The sub-account of account, it is possible to realize the temporary function such as remaining sum or standby remaining sum.Such as, when user forgets band mobile phone, can be in order to
Pay with IC-card, easy to carry.
The method of payment based on NFC that the present embodiment provides, is initiated gathering request by beneficiary, and passes through NFC communication even
Connect and gathering request is sent to payer client, payer client generate payment instruction and be sent to server.Service
Device completes the delivery operation between payer and beneficiary according to payment instruction.Compared with by the way of scanning Quick Response Code, profit
With NFC method will not transmitted virus or malicious websites, safety is higher, and, it is only necessary to user is in the POS of beneficiary
Upper brushing tool has the terminal operation of NFC, more convenient operation.
Corresponding to above-mentioned method of payment embodiment based on NFC, present invention also offers payment mechanism based on NFC real
Execute example.
Referring to Fig. 5, for the block diagram of a kind of payment mechanism based on NFC of the embodiment of the present invention, this device is applied to support
In the mobile terminal of NFC, such as smart mobile phone, panel computer etc., and this mobile terminal is as payer terminal.The present embodiment should
Initiate for payer terminal in the scene of the request that pays.
As it is shown in figure 5, this device includes: acquisition module 510, NFC connection establishment module 520, receiver module 530 and payment
Module 540.
Acquisition module 510, is used for obtaining wireless payment request, and payment information is carried in the request of described wireless payment, described
The information of paying comprises payment.
In some embodiments of the invention, described acquisition module includes: detection sub-module, is used for detecting operating body in institute
State touch-control on the operation interface of payer terminal and pay the touch control operation of control；Obtain submodule, for when described detection submodule
After block detects described touch control operation, obtain the payment that described operating body inputs on described operation interface；Request generates
Submodule, for according to described payment, generates the request of described wireless payment.
NFC connection establishment module 520, is connected for the NFC communication set up between payer terminal with beneficiary terminal, and
Connected by described NFC communication and the request of described wireless payment is sent to described beneficiary terminal.
Receiver module 530, receives, for being connected by described NFC communication, the Receiving information that described beneficiary terminal returns,
Described Receiving information is the information comprising collecting account produced according to the request of described wireless payment by described beneficiary terminal.
Payment module 540, for completing delivery operation according to described payment information and described Receiving information.
As shown in Figure 6, described payment module 540 includes that instruction generates submodule 541 and sends submodule 542.
Instruction generates submodule 541, for generating payment instruction according to described payment information and described Receiving information.
Send submodule 542, for described payment instruction being sent to server, so that described server is according to described
Pay instruction described payment to be transferred accounts to described collecting account from payment account.
The payment mechanism based on NFC that the present embodiment provides, payer terminal produces wireless payment request, and this payment is asked
Carry the payment information of payer.Setting up NFC communication between payer terminal with beneficiary terminal to be connected, payer terminal is passed through
Wireless payment request is sent to beneficiary terminal by NFC communication mode.Beneficiary terminal is by NFC communication mode to payer eventually
End returns Receiving information.Payer terminal completes the payment between payer and beneficiary according to payment information and Receiving information.
As shown in the above, this device obtains the information of beneficiary by NFC communication mode, with phase by the way of scanning Quick Response Code
Ratio, the method will not transmitted virus or malice network address etc., safety is higher, also, it is not necessary to user performs to scan Quick Response Code
Operation, only needs user's brushing tool in the POS of beneficiary to have the terminal operation of NFC, more convenient operation.
Referring to Fig. 7, for the block diagram of the another kind of payment mechanism based on NFC of the embodiment of the present invention, this device is applied to receive
In the terminal of money side, and it is applied in the application scenarios that payer terminal initiates to pay request.
As it is shown in fig. 7, this device includes: NFC connection establishment module 710, Receiving information generation module 720 and sending module
730。
NFC connection establishment module 710, is connected for the NFC communication set up between beneficiary terminal with payer terminal.
Receiving information generation module 720, receives, for being connected by described NFC communication, the nothing that described payer terminal sends
Line pays request, and produces Receiving information according to the request of described wireless payment, and described Receiving information comprises collecting account.
In some embodiments of the invention, beneficiary terminal includes intelligent terminal and at least one sale supporting NFC
Terminal POS machine, and pre-build the mapping relations between the identification code of described collecting account and described POS.
As shown in Figure 8, Receiving information generation module 720, including: receive submodule 721, information produces submodule 722.
Receive submodule 721, for making described payer NFC module set up the target POS that NFC communication connects, pass through
NFC communication connects the described wireless payment request that receives, and by communicating to connect between described intelligent terminal and described target POS
It is sent to described intelligent terminal.
Information produces submodule 722, is used for making described intelligent terminal produce Receiving information according to the request of described wireless payment,
And be sent to described target POS by the communication connection between described intelligent terminal and described target POS, so that described mesh
Described Receiving information is sent to described payer terminal by the connection of described NFC communication by mark POS.
Sending module 730, is sent to described payer eventually for being connected by described NFC communication by described Receiving information
End, so that described payer terminal completes delivery operation according to described payment information and described Receiving information.
Referring to Fig. 9, for the block diagram of another payment mechanism based on NFC of the embodiment of the present invention, this device is applied to receive
In money side's terminal, and the application scenarios of beneficiary terminal initiation gathering request.As it is shown in figure 9, this device includes: acquisition module
910, NFC connection establishment module 920, sending module 930 and receiver module 940.
Acquisition module 910, is used for obtaining gathering request, and collecting account and collection amount information are carried in described gathering request.
In some embodiments of the invention, the APP that beneficiary is corresponding produce gathering request, under this kind of application scenarios,
Acquisition module 910 includes: the first detection sub-module, for detecting operating body touch-control on the operation interface of described beneficiary terminal
The touch control operation of gathering control；First obtains submodule, for after described detection sub-module detects described touch control operation, obtains
Take the collection amount that described operating body inputs on described operation interface；Second obtains submodule, is used for obtaining described beneficiary
Corresponding collecting account；First request generates submodule, for according to described collection amount and described collecting account, generates described
Gathering request.
In other embodiments of the present invention, POS produce gathering request, under this kind of application scenarios, acquisition module,
Including: the second detection sub-module, for detecting the collection amount that operating body inputs in described POS；3rd obtains submodule,
The collecting account that beneficiary is corresponding is obtained for making described POS communicate with described intelligent terminal；Second request generates submodule,
For producing described gathering request according to described collection amount and described collecting account.
NFC connection establishment module 920, for setting up the NFC communication between described beneficiary terminal and payer terminal even
Connect.
Sending module 930, is sent to described payer eventually for being connected by described NFC communication by described gathering request
End, so that described payer terminal is requested for payment according to described gathering.
Receiver module 940, for receiving the payment of payment account corresponding to described payer terminal.
Described receiver module specifically for: receive the gathering success message that server sends, and show described gathering successfully
Message, wherein, described gathering success message is received, by described server, the payment instruction that payer terminal sends, and according to institute
State payment instruction the payment in payment account to be transferred accounts to and produce after collecting account；Described payment instruction is by described payer
Terminal produces after receiving described Receiving information.
The payment mechanism based on NFC that the present embodiment provides, is initiated gathering request by beneficiary, and passes through NFC communication even
Connect and gathering request is sent to payer client, payer client generate payment instruction and be sent to server.Service
Device completes the delivery operation between payer and beneficiary according to payment instruction.Compared with by the way of scanning Quick Response Code, profit
With NFC method will not transmitted virus or malicious websites, safety is higher, and, it is only necessary to user is in the POS of beneficiary
Upper brushing tool has the terminal operation of NFC, more convenient operation.
Referring to Figure 10, for the block diagram of the another kind of payment mechanism based on NFC of the embodiment of the present invention, this device is applied to prop up
Pay in side's terminal, and initiated the application scenarios of gathering request by beneficiary.As shown in Figure 10, this device includes: NFC connection establishment
Module 1010, payment instruction generation module 1020.
NFC connection establishment module 1010, for setting up the NFC communication between described payer terminal and beneficiary terminal even
Connect, and connected the gathering request receiving the transmission of described beneficiary terminal by described NFC communication.
Payment instruction generation module 1020, for generating payment instruction according to described gathering request, and refers to described payment
Order be sent to server so that described server according to described payment instruction by collection amount from payment account transfer accounts gathering account
In family.
For aforesaid each method embodiment, in order to be briefly described, therefore it is all expressed as a series of combination of actions, but
Being that those skilled in the art should know, the present invention is not limited by described sequence of movement, because according to the present invention, certain
A little steps can use other orders or carry out simultaneously.Secondly, those skilled in the art also should know, is retouched in description
The embodiment stated belongs to preferred embodiment, necessary to involved action and the module not necessarily present invention.
It should be noted that each embodiment in this specification all uses the mode gone forward one by one to describe, each embodiment weight
Point explanation is all the difference with other embodiments, and between each embodiment, identical similar part sees mutually.
For device class embodiment, due to itself and embodiment of the method basic simlarity, so describe is fairly simple, relevant part ginseng
See that the part of embodiment of the method illustrates.
Finally, in addition it is also necessary to explanation, in this article, the relational terms of such as first and second or the like be used merely to by
One entity or operation separate with another entity or operating space, and not necessarily require or imply these entities or operation
Between exist any this reality relation or order.And, term " includes ", " comprising " or its any other variant meaning
Containing comprising of nonexcludability, so that include that the process of a series of key element, method, article or equipment not only include that
A little key elements, but also include other key elements being not expressly set out, or also include for this process, method, article or
The key element that equipment is intrinsic.In the case of there is no more restriction, statement " including ... " key element limited, do not arrange
Except there is also other identical element in including the process of described key element, method, article or equipment.
Described above to the disclosed embodiments, makes those skilled in the art be capable of or uses the present invention.To this
The multiple amendment of a little embodiments will be apparent from for a person skilled in the art, and generic principles defined herein can
With without departing from the spirit or scope of the present invention, realize in other embodiments.Therefore, the present invention will not be limited
It is formed on the embodiments shown herein, and is to fit to consistent with principles disclosed herein and features of novelty the widest
Scope.
The above is only the preferred embodiment of the present invention, it is noted that for the ordinary skill people of the art
For Yuan, under the premise without departing from the principles of the invention, it is also possible to make some improvements and modifications, these improvements and modifications also should
It is considered as protection scope of the present invention.
Claims (18)
1. a method of payment based on near-field communication NFC, it is characterised in that be applied to the payer terminal with NFC module
In, described method includes:
Acquisition wireless payment is asked, and payment information is carried in the request of described wireless payment, and described payment information comprises payment；
The NFC communication set up between payer terminal with beneficiary terminal is connected, and is connected described nothing by described NFC communication
Line pays request and is sent to described beneficiary terminal；
Being connected by described NFC communication and receive the Receiving information that described beneficiary terminal returns, described Receiving information is by described
The information comprising collecting account that beneficiary terminal produces according to the request of described wireless payment；
Delivery operation is completed according to described payment information and described Receiving information.
Method the most according to claim 1, it is characterised in that described complete according to described payment information and described Receiving information
Become delivery operation, including:
Payment instruction is generated according to described payment information and described Receiving information；
Described payment instruction is sent to server so that described server according to described payment instruction by described payment from
Payment account is transferred accounts in described collecting account.
Method the most according to claim 1, it is characterised in that described acquisition wireless payment is asked, including:
Detection operating body touch-control on the operation interface of described payer terminal pays the touch control operation of control；
After described touch control operation being detected, obtain the payment that described operating body inputs on described operation interface；
According to described payment, generate the request of described wireless payment.
4. a method of payment based on near-field communication NFC, is applied to have in the beneficiary terminal of NFC module, and its feature exists
In, described method includes:
The NFC communication set up between beneficiary terminal with payer terminal is connected；
Connected by described NFC communication and receive the wireless payment request that described payer terminal sends, and according to described wireless
The request of paying produces Receiving information, and described Receiving information comprises collecting account；
Connected by described NFC communication and described Receiving information is sent to described payer terminal, so that described payer terminal
Delivery operation is completed according to described payment information and described Receiving information.
Method the most according to claim 4, it is characterised in that described beneficiary terminal includes intelligent terminal and at least one
Support the point-of-sale terminal POS of NFC, and pre-build that the mapping between the identification code of described collecting account and described POS is closed
System；
Described connection by described NFC communication receives the wireless payment request that payer terminal sends, according to described wireless payment
Request produces Receiving information, including:
Set up, with described payer NFC module, the target POS that NFC communication is connected, connect reception by NFC communication described wireless
Pay request, and be sent to described intelligent terminal by communication connection between described intelligent terminal and described target POS；
Described intelligent terminal produces Receiving information according to the request of described wireless payment, and by described intelligent terminal and described target
Communication connection between POS is sent to described target POS, so that described Receiving information is passed through institute by described target POS
State NFC communication connection and be sent to described payer terminal.
6. a method of payment based on near-field communication NFC, is applied to have in the beneficiary terminal of NFC module, and its feature exists
In, described method includes:
Obtaining gathering request, collecting account and collection amount information are carried in described gathering request；
The NFC communication set up between described beneficiary terminal and payer terminal is connected, and is connected institute by described NFC communication
State gathering request and be sent to described payer terminal, so that described payer terminal is requested for payment according to described gathering；
Receive the payment of payment account corresponding to described payer terminal.
Method the most according to claim 6, it is characterised in that described acquisition gathering request, including:
Detection operating body is the touch control operation of touch-control gathering control on the operation interface of described beneficiary terminal；
After described touch control operation being detected, obtain the collection amount that described operating body inputs on described operation interface；
Obtain the collecting account that described beneficiary is corresponding；
According to described collection amount and described collecting account, generate described gathering request.
Method the most according to claim 6, it is characterised in that described cash receiving terminal includes intelligent terminal and at least one
Holding the sale POS of NFC, described acquisition gathering is asked, including:
The collection amount that described POS detection operating body inputs in described POS；
Described POS communicates with described intelligent terminal and obtains the collecting account that beneficiary is corresponding；
Described POS produces described gathering request according to described collection amount and described collecting account.
9. a method of payment based on near-field communication NFC, it is characterised in that be applied to the payer terminal with NFC module
In, described method includes:
The NFC communication set up between described payer terminal and beneficiary terminal is connected, and connects reception by described NFC communication
The gathering request that described beneficiary terminal sends；
Generate payment instruction according to described gathering request, and described payment instruction is sent to server, so that described server
According to described payment instruction, collection amount is transferred accounts to collecting account from payment account.
10. a payment mechanism based on near-field communication NFC, it is characterised in that be applied to the payer terminal with NFC module
In, described device includes:
Acquisition module, is used for obtaining wireless payment request, and payment information, described payment information bag are carried in the request of described wireless payment
Containing payment；
NFC connection establishment module, is connected for the NFC communication set up between payer terminal with beneficiary terminal, and passes through institute
State NFC communication connection and the request of described wireless payment is sent to described beneficiary terminal；
Receiver module, receives the Receiving information that described beneficiary terminal returns, described gathering for being connected by described NFC communication
Information is the information comprising collecting account produced according to the request of described wireless payment by described beneficiary terminal；
Payment module, for completing delivery operation according to described payment information and described Receiving information.
11. devices according to claim 10, it is characterised in that described payment module, including:
Instruction generates submodule, for generating payment instruction according to described payment information and described Receiving information；
Send submodule, for described payment instruction being sent to server, so that described server is according to described payment instruction
Described payment is transferred accounts to described collecting account from payment account.
12. devices according to claim 10, it is characterised in that described acquisition module, including:
Detection sub-module, pays the touch-control behaviour of control for detecting operating body touch-control on the operation interface of described payer terminal
Make；
Obtain submodule, for after described detection sub-module detects described touch control operation, obtain described operating body described
The payment of input on operation interface；
Request generates submodule, for according to described payment, generates the request of described wireless payment.
13. 1 kinds of payment mechanisms based on near-field communication NFC, are applied to have in the beneficiary terminal of NFC module, and its feature exists
In, described device includes:
NFC connection establishment module, is connected for the NFC communication set up between beneficiary terminal with payer terminal；
Receiving information generation module, receives, for being connected by described NFC communication, the wireless payment that described payer terminal sends
Request, and produce Receiving information according to the request of described wireless payment, described Receiving information comprises collecting account；
Sending module, is sent to described payer terminal for being connected by described NFC communication by described Receiving information, so that institute
State payer terminal and complete delivery operation according to described payment information and described Receiving information.
14. devices according to claim 13, it is characterised in that described beneficiary terminal includes intelligent terminal and at least
Platform supports the point-of-sale terminal POS of NFC, and pre-builds the mapping between the identification code of described collecting account and described POS
Relation；Described Receiving information generation module, including:
Receive submodule, for making described payer NFC module set up the target POS that NFC communication connects, pass through NFC communication
Connect and receive the request of described wireless payment, and be sent to by communicating to connect between described intelligent terminal and described target POS
Described intelligent terminal；
Information produces submodule, is used for making described intelligent terminal produce Receiving information according to the request of described wireless payment, and passes through
Communication connection between described intelligent terminal and described target POS is sent to described target POS, so that described target POS
Described Receiving information is sent to described payer terminal by the connection of described NFC communication by machine.
15. 1 kinds of payment mechanisms based on near-field communication NFC, are applied to have in the beneficiary terminal of NFC module, and its feature exists
In, described device includes:
Acquisition module, is used for obtaining gathering request, and collecting account and collection amount information are carried in described gathering request；
NFC connection establishment module, is connected for the NFC communication set up between described beneficiary terminal and payer terminal；
Sending module, is sent to described payer terminal for being connected by described NFC communication by described gathering request, so that institute
State payer terminal to request for payment according to described gathering；
Receiver module, for receiving the payment of payment account corresponding to described payer terminal.
16. devices according to claim 15, it is characterised in that described acquisition module, including:
First detection sub-module, for detect operating body described beneficiary terminal operation interface on touch-control gathering control touch
Control operation；
First obtains submodule, for after described detection sub-module detects described touch control operation, obtains described operating body and exists
The collection amount of input on described operation interface；
Second obtains submodule, for obtaining the collecting account that described beneficiary is corresponding；
First request generates submodule, for according to described collection amount and described collecting account, generates described gathering request.
17. devices according to claim 15, it is characterised in that described cash receiving terminal includes intelligent terminal and at least one
The sale POS of support NFC, described acquisition module, including:
Second detection sub-module, for detecting the collection amount that operating body inputs in described POS；
3rd obtains submodule, obtains, for making described POS communicate with described intelligent terminal, the collecting account that beneficiary is corresponding；
Second request generates submodule, for producing described gathering request according to described collection amount and described collecting account.
18. 1 kinds of payment mechanisms based on near-field communication NFC, it is characterised in that be applied to the payer terminal with NFC module
In, described device includes:
NFC connection establishment module, is connected for the NFC communication set up between described payer terminal and beneficiary terminal, and leads to
Cross described NFC communication and connect the gathering request receiving the transmission of described beneficiary terminal；
Payment instruction generation module, for generating payment instruction according to described gathering request, and is sent to described payment instruction
Server, so that collection amount is transferred accounts collecting account from payment account by described server according to described payment instruction.
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|---|---|---|---|
| CN201610614647.2A CN106296169A (en) | 2016-07-29 | 2016-07-29 | A kind of method of payment based on NFC and device |
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|---|---|---|---|
| CN201610614647.2A CN106296169A (en) | 2016-07-29 | 2016-07-29 | A kind of method of payment based on NFC and device |
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| CN107392586A (en) * | 2017-06-16 | 2017-11-24 | 南京维智感网络科技有限公司 | Quick Response Code payment system and method based on proximity relation detection |
| CN107958376A (en) * | 2017-10-27 | 2018-04-24 | 小象科技有限公司 | Safety means and transaction system |
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| CN108292393A (en) * | 2016-10-08 | 2018-07-17 | 华为技术有限公司 | A kind of method of payment and equipment based on NFC near-field communications |
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| CN110264183A (en) * | 2019-06-25 | 2019-09-20 | 秒针信息技术有限公司 | The method and device of the method and device, trade company's gathering paid the bill to trade company |
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| WO2019153975A1 (en) * | 2018-02-07 | 2019-08-15 | 北京三快在线科技有限公司 | Resource transfer method based on near field communication |
| CN109409870A (en) * | 2018-11-06 | 2019-03-01 | 广东小天才科技有限公司 | A kind of safe payment method, device and user terminal |
| CN110264183A (en) * | 2019-06-25 | 2019-09-20 | 秒针信息技术有限公司 | The method and device of the method and device, trade company's gathering paid the bill to trade company |
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Application publication date: 20170104 |