CN106372891A - Payment method and apparatus, and mobile terminal - Google Patents
Payment method and apparatus, and mobile terminal Download PDFInfo
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- CN106372891A CN106372891A CN201610707736.1A CN201610707736A CN106372891A CN 106372891 A CN106372891 A CN 106372891A CN 201610707736 A CN201610707736 A CN 201610707736A CN 106372891 A CN106372891 A CN 106372891A
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- Prior art keywords
- switchbutton
- payment
- authentication
- mobile terminal
- module
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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
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
-
- 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
Abstract
The invention discloses a payment method and apparatus, and a mobile terminal. The payment method is used for a mobile terminal to perform payment through a near field communication (NFC) device. The payment method comprises the following steps of receiving a turn-on instruction used for turning on the NFC device; judging whether a state of a condition switch used for identity verification is an on state or not; if yes, performing identity verification, and when the verification succeeds, turning on the NFC device, and performing payment through the NFC device; and if not, directly turning on the NFC device, and performing payment through the NFC device. The payment method and apparatus and the mobile terminal have more choices and better user-friendly effects.
Description
Technical field
The present invention relates to mobile payment field, particularly to a kind of method of payment, device and a kind of mobile terminal.
Background technology
Nfc near field communication technology has very wide application prospect in mobile payment, all kinds of mobile whole in market
The safety that end manufacturer pays in order to the nfc improving itself mobile terminal proposes a series of strategy, and such as scene is known
Not and location recognition etc..Although these schemes can improve the safety paying, sacrifice the convenience of payment.Then work as manufacturer
During using these schemes above-mentioned, user can only receive the relatively low nfc of convenience and pay experience.Therefore, provided that one kind more
More options are thus more humane method of payment is urgently to be resolved hurrily.
Content of the invention
The main object of the present invention is to provide a kind of method of payment, device and a kind of mobile terminal it is intended to increase selectivity
Thus it is more humane.
For achieving the above object, a kind of method of payment proposed by the present invention, is set by near-field communication nfc for mobile terminal
For being paid, described method of payment comprises the steps:
Receive the enabled instruction for opening nfc equipment；
Whether the state judging the condition switch for authentication is unlatching；
If so, then carry out authentication, open nfc equipment when the authentication succeeds, in order to carry out propping up by described nfc equipment
Pay；
If it is not, then directly initiating nfc equipment, in order to be paid by described nfc equipment.
Optionally, described method of payment also comprises the steps:
Pre-conditioned switch setting interface, described condition switch arranges showing interface shift knob switchbutton；
Receive and be derived from the control to described switchbutton for the user, beat in order to control described switchbutton to switch to
Open state or closed mode；
The step of described " judging whether the state of the condition switch for authentication opens " specifically includes:
Judge whether described switchbutton is in open mode.
Optionally, described method of payment is based on Android system；
Described method of payment also comprises the steps:
The state presetting described switchbutton is stored in storage class sharedpreference of lightweight；
The step of described " judging whether described switchbutton is in open mode " specifically includes:
Whether the state judging described sharedpreference is true；
If so, then judge that described switchbutton is in open mode；
If it is not, then judging that described switchbutton is closed.
Optionally, described authentication at least includes fingerprint recognition.
Optionally, described condition switch setting interface is provided with multiple described switchbutton, each described
Switchbutton corresponds to a kind of authentication；
Described authentication includes fingerprint recognition, pays scene Recognition, geographical position identification and the knowledge of video identification code label
At least two identifying schemes in not.
A kind of payment mechanism that the present invention provides, is paid by near-field communication nfc equipment for mobile terminal, described
Payment mechanism includes:
First receiver module, for receiving the enabled instruction for opening nfc equipment；
Judge module, whether the state for judging the condition switch for authentication is unlatching；
First starting module, if being judged to for described judge module is to carry out authentication, open when the authentication succeeds
Open nfc equipment, in order to be paid by described nfc equipment；
Second starting module, if be judged to no for described judge module, directly initiates nfc equipment, in order to by institute
State nfc equipment to be paid.
Optionally, described payment mechanism also includes:
Interface module, for pre-conditioned switch setting interface, described condition switch arranges showing interface shift knob
switchbutton；
Second receiver module, is derived from the control to described switchbutton for the user for receiving, described in order to control
Switchbutton switches to open mode or closed mode；
Described judge module specifically includes:
Judging unit, for judging whether described switchbutton is in open mode.
Optionally, described payment mechanism is based on Android system；
Described payment mechanism also includes:
Storage module, the state for presetting described switchbutton is stored in the storage class of lightweight
sharedpreference；
Described judging unit is specifically for judging whether the state of described sharedpreference is true；
If so, then judge that described switchbutton is in open mode；
If it is not, then judging that described switchbutton is closed.
Optionally, described authentication at least includes fingerprint recognition.
Optionally, described condition switch setting interface is provided with multiple described switchbutton, each described
Switchbutton corresponds to a kind of authentication；
Described authentication includes fingerprint recognition, pays scene Recognition, geographical position identification and the knowledge of video identification code label
At least two identifying schemes in not.
A kind of mobile terminal that the present invention provides, including payment mechanism, described payment mechanism is above-mentioned payment mechanism.
Method of payment provided by the present invention is passed through to increase the condition switch for authentication, then can start nfc
Judged before equipment, if need to carry out authentication.Carry out authentication if necessary, then ensure that the safety of payment
Property；If not needing to carry out authentication, so that the convenience paying is greatly improved.The method of payment that the present invention provides is permissible
Need to be adjusted strategy according to user, therefore can either meet the preferential user of convenience it is also possible to meet safety preferential
Client, and there are more more options and more humane effect.
Brief description
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
Have technology description in required use accompanying drawing be briefly described it should be apparent that, drawings in the following description be only this
Some embodiments of invention, for those of ordinary skill in the art, on the premise of not paying creative work, acceptable
Structure according to these accompanying drawings obtains other accompanying drawings.
Fig. 1 is the optional hardware architecture diagram of mobile terminal one realizing each embodiment of the present invention；
Fig. 2 is the wireless communication system schematic diagram of mobile terminal as shown in Figure 1；
Fig. 3 is a kind of flow chart of the first embodiment of method of payment of the present invention；
Fig. 4 is a kind of flow chart of the second embodiment of method of payment of the present invention；
Fig. 5 is a kind of flow chart of the 3rd embodiment of method of payment of the present invention；
Fig. 6 is the schematic diagram arranging interface one embodiment in method of payment of the present invention with regard to condition switch；
Fig. 7 is the schematic diagram arranging interface deformation embodiment in method of payment of the present invention with regard to condition switch；
Fig. 8 is the modular diagram of an embodiment of payment mechanism of the present invention；
Fig. 9 is the modular diagram of the judge module of payment mechanism shown in Fig. 8.
The realization of the object of the invention, functional characteristics and advantage will be described further in conjunction with the embodiments referring to the drawings.
Specific embodiment
It should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
Realize the mobile terminal of each embodiment of the present invention referring now to Description of Drawings.In follow-up description, use
For represent element such as " module ", " part " or " unit " suffix only for being conducive to the explanation of the present invention, itself
Not specific meaning.Therefore, " module " and " part " can mixedly use.
Mobile terminal can be implemented in a variety of manners.For example, the terminal described in the present invention can include such as moving
Phone, smart phone, notebook computer, digit broadcasting receiver, pda (personal digital assistant), pad (panel computer), pmp
The mobile terminal of (portable media player), guider etc. and such as numeral tv, desk computer etc. consolidate
Determine terminal.Hereinafter it is assumed that terminal is mobile terminal.However, it will be understood by those skilled in the art that, except being used in particular for moving
Outside the element of purpose, construction according to the embodiment of the present invention can also apply to the terminal of fixed type.
Fig. 1 is the hardware architecture diagram realizing each optional mobile terminal of embodiment one of the present invention.
Mobile terminal 1 00 can include wireless communication unit 110, a/v (audio/video) input block 120, user input
Unit 130, sensing unit 140, output unit 150, memorizer 160, interface unit 170, controller 180 and power subsystem 190
Etc..Fig. 1 shows the mobile terminal with various assemblies, it should be understood that being not required for implementing all groups illustrating
Part.More or less of assembly can alternatively be implemented.Will be discussed in more detail below the element of mobile terminal.
Wireless communication unit 110 generally includes one or more assemblies, and it allows mobile terminal 1 00 and wireless communication system
Or the radio communication between network.For example, wireless communication unit 110 can include broadcasting reception module 111, mobile communication mould
At least one of block 112, wireless Internet module 113, short range communication module 114 and location information module 115.
Broadcasting reception module 111 receives broadcast singal and/or broadcast via broadcast channel from external broadcast management server
Relevant information.Broadcast channel can include satellite channel and/or terrestrial channel.Broadcast management server can be generated and sent
The broadcast singal generating before the server of broadcast singal and/or broadcast related information or reception and/or broadcast related information
And send it to the server of terminal.Broadcast singal can include tv broadcast singal, radio signals, data broadcasting
Signal etc..And, broadcast singal may further include the broadcast singal combining with tv or radio signals.Broadcast phase
Pass information can also provide via mobile communications network, and in this case, broadcast related information can be by mobile communication mould
Block 112 is receiving.Broadcast singal can exist in a variety of manners, and for example, it can be with the electronics of DMB (dmb)
The form of program guide (epg), the electronic service guidebooks (esg) of digital video broadcast-handheld (dvb-h) etc. and exist.Broadcast
Receiver module 111 can be broadcasted by using various types of broadcast system receipt signals.Especially, broadcasting reception module 111
Can be wide by using such as multimedia broadcasting-ground (dmb-t), DMB-satellite (dmb-s), digital video
Broadcast-hand-held (dvb-h), the Radio Data System of forward link media (mediaflo), received terrestrial digital broadcasting integrated service
Etc. (isdb-t) digit broadcasting system receives digital broadcasting.Broadcasting reception module 111 may be constructed such that and is adapted to provide for extensively
Broadcast the various broadcast systems of signal and above-mentioned digit broadcasting system.Via broadcasting reception module 111 receive broadcast singal and/
Or broadcast related information can be stored in memorizer 160 (or other types of storage medium).
Mobile communication module 112 sends radio signals to base station (for example, access point, node b etc.), exterior terminal
And at least one of server and/or receive from it radio signal.Such radio signal can include voice and lead to
Words signal, video calling signal or the various types of data sending and/or receiving according to text and/or Multimedia Message.
Wireless Internet module 113 supports the Wi-Fi (Wireless Internet Access) of mobile terminal.This module can be internally or externally
It is couple to terminal.Wi-Fi (Wireless Internet Access) technology involved by this module can include wlan (wireless lan) (wi-fi), wibro
(WiMAX), wimax (worldwide interoperability for microwave accesses), hsdpa (high-speed downlink packet access) etc..
Short range communication module 114 is the module for supporting junction service.Some examples of short-range communication technology include indigo plant
Tooth tm, RF identification (rfid), Infrared Data Association (irda), ultra broadband (uwb), purple honeybee tm etc..
Location information module 115 be for check or obtain mobile terminal positional information module.Location information module
Typical case be gps (global positioning system).According to current technology, gps module 115 calculates and is derived from three or more satellites
Range information and correct time information and for the Information application triangulation calculating, thus according to longitude, latitude
Highly accurately calculate three-dimensional current location information.Currently, the method for calculating position and temporal information is defended using three
Star and the error of the position that calculates by using other satellite correction and temporal information.Additionally, gps module 115
Can be by Continuous plus current location information in real time come calculating speed information.
A/v input block 120 is used for receiving audio or video signal.A/v input block 120 can include camera 121 He
Mike 122, camera 121 is to the static images being obtained by image capture apparatus in Video Capture pattern or image capture mode
Or the view data of video is processed.Picture frame after process may be displayed on display unit 151.Process through camera 121
Picture frame afterwards can be stored in memorizer 160 (or other storage medium) or carry out sending out via wireless communication unit 110
Send, two or more cameras 121 can be provided according to the construction of mobile terminal.Mike 122 can be in telephone calling model, note
Sound (voice data) is received via mike in record pattern, speech recognition mode etc. operational mode, and can be by so
Acoustic processing be voice data.Audio frequency (voice) data after process can be converted in the case of telephone calling model can
It is sent to the form output of mobile communication base station via mobile communication module 112.Mike 122 can implement various types of making an uproar
Sound eliminates (or suppression) algorithm to eliminate the noise that (or suppression) produces in reception with during sending audio signal or to do
Disturb.
User input unit 130 can generate key input data to control each of mobile terminal according to the order of user input
Plant operation.User input unit 130 allows the various types of information of user input, and can include keyboard, metal dome, touch
Plate (for example, detection due to touched and lead to resistance, pressure, the change of electric capacity etc. sensitive component), roller, rocking bar etc.
Deng.Especially, when touch pad is superimposed upon on display unit 151 as a layer, touch screen can be formed.
Sensing unit 140 detect mobile terminal 1 00 current state, (for example, mobile terminal 1 00 open or close shape
State), the position of mobile terminal 1 00, user is for the presence or absence of the contact (that is, touch input) of mobile terminal 1 00, mobile terminal
100 orientation, the acceleration or deceleration movement of mobile terminal 1 00 and direction etc., and generate for controlling mobile terminal 1 00
The order of operation or signal.For example, when mobile terminal 1 00 is embodied as sliding-type mobile phone, sensing unit 140 can sense
This sliding-type phone opens or cuts out.In addition, sensing unit 140 can detect power subsystem 190 whether provide electric power or
Whether person's interface unit 170 is coupled with external device (ED).Sensing unit 140 can include proximity transducer 141 and will combine below
Touch screen this is described.
Interface unit 170 is connected, with mobile terminal 1 00, the interface that can pass through as at least one external device (ED).For example,
External device (ED) can include wired or wireless head-band earphone port, external power source (or battery charger) port, wired or nothing
Line FPDP, memory card port, the port of device for connection with identification module, audio input/output (i/o) end
Mouth, video i/o port, ear port etc..Identification module can be storage for verifying that user uses each of mobile terminal 1 00
Kind of information and subscriber identification module (uim), client identification module (sim), Universal Subscriber identification module (usim) can be included
Etc..In addition, the device (hereinafter referred to as " identifying device ") with identification module can take the form of smart card, therefore, know
Other device can be connected with mobile terminal 1 00 via port or other attachment means.Interface unit 170 can be used for reception and is derived from
The input (for example, data message, electric power etc.) of the external device (ED) and input receiving is transferred in mobile terminal 1 00
One or more elements or can be used for transmission data between mobile terminal and external device (ED).
In addition, when mobile terminal 1 00 is connected with external base, interface unit 170 can serve as allowing by it by electricity
Power provides the path of mobile terminal 1 00 from base or can serve as allowing the various command signals from base input to pass through it
It is transferred to the path of mobile terminal.May serve as identifying that mobile terminal is from the various command signals of base input or electric power
The no signal being accurately fitted within base.Output unit 150 is configured to defeated with the offer of vision, audio frequency and/or tactile manner
Go out signal (for example, audio signal, video signal, alarm signal, vibration signal etc.).Output unit 150 can include showing
Unit 151, dio Output Modules 152, alarm unit 153 etc..
Display unit 151 may be displayed on the information processing in mobile terminal 1 00.For example, when mobile terminal 1 00 is in electricity
During words call mode, display unit 151 can show (for example, text messaging, the multimedia file that communicate with call or other
Download etc.) related user interface (ui) or graphic user interface (gui).When mobile terminal 1 00 is in video calling pattern
Or during image capture mode, display unit 151 can show the image of capture and/or the image of reception, illustrate video or figure
Ui or gui of picture and correlation function etc..
Meanwhile, when display unit 151 and the touch pad touch screen with formation superposed on one another as a layer, display unit
151 can serve as input equipment and output device.Display unit 151 can include liquid crystal display (lcd), thin film transistor (TFT)
In lcd (tft-lcd), Organic Light Emitting Diode (oled) display, flexible display, three-dimensional (3d) display etc. at least
A kind of.Some in these display may be constructed such that transparence to allow user from outside viewing, and this is properly termed as transparent
Display, typical transparent display can be, for example, toled (transparent organic light emitting diode) display etc..According to specific
The embodiment wanted, mobile terminal 1 00 can include two or more display units (or other display device), for example, moves
Dynamic terminal can include outernal display unit (not shown) and inner display unit (not shown).Touch screen can be used for detection and touches
Input pressure and touch input position and touch input area.
Dio Output Modules 152 can mobile terminal be in call signal reception pattern, call mode, logging mode,
When under the isotypes such as speech recognition mode, broadcast reception mode, that wireless communication unit 110 is received or in memorizer 160
The voice data transducing audio signal of middle storage and be output as sound.And, dio Output Modules 152 can provide and move
The audio output (for example, call signal receives sound, message sink sound etc.) of the specific function correlation of terminal 100 execution.
Dio Output Modules 152 can include speaker, buzzer etc..
Alarm unit 153 can provide output to notify event to mobile terminal 1 00.Typical event is permissible
Including calling reception, message sink, key signals input, touch input etc..In addition to audio or video output, alarm unit
153 can provide output in a different manner with the generation of notification event.For example, alarm unit 153 can be in the form of vibrating
Output is provided, enters when communicating (incomingcommunication) when receiving calling, message or some other, alarm list
Unit 153 can provide tactile output (that is, vibrating) to notify to user.By providing such tactile output, even if
When the mobile phone of user is in the pocket of user, user also can recognize that the generation of various events.Alarm unit 153
The output of the generation of notification event can be provided via display unit 151 or dio Output Modules 152.
Memorizer 160 can store software program of the process being executed by controller 180 and control operation etc., or can
Temporarily to store the data (for example, telephone directory, message, still image, video etc.) having exported or will having exported.And
And, memorizer 160 can be to store the vibration of various modes with regard to exporting and audio signal when touching and being applied to touch screen
Data.
Memorizer 160 can include the storage medium of at least one type, and described storage medium includes flash memory, hard disk, many
Media card, card-type memorizer (for example, sd or dx memorizer etc.), random access storage device (ram), static random-access storage
Device (sram), read only memory (rom), Electrically Erasable Read Only Memory (eeprom), programmable read only memory
(prom), magnetic storage, disk, CD etc..And, mobile terminal 1 00 can execute memorizer with by network connection
The network storage device cooperation of 160 store function.
Controller 180 generally controls the overall operation of mobile terminal.For example, controller 180 execution and voice call, data
The related control of communication, video calling etc. and process.In addition, controller 180 can be included for reproducing (or playback) many matchmakers
The multi-media module 181 of volume data, multi-media module 181 can construct in controller 180, or it is so structured that and controls
Device 180 separates.Controller 180 can be with execution pattern identifying processing, by the handwriting input executing on the touchscreen or picture
Draw input and be identified as character or image.
Power subsystem 190 receives external power or internal power under the control of controller 180 and provides operation each unit
Suitable electric power needed for part and assembly.
Various embodiment described herein can be with using such as computer software, hardware or its any combination of calculating
Machine computer-readable recording medium is implementing.Hardware is implemented, embodiment described herein can be by using application-specific IC
(asic), digital signal processor (dsp), digital signal processing device (dspd), programmable logic device (pld), scene can
Program gate array (fpga), processor, controller, microcontroller, microprocessor, be designed to execute function described herein
At least one in electronic unit implementing, in some cases, can be implemented in controller 180 by such embodiment.
Software is implemented, the embodiment of such as process or function can with allow to execute the single of at least one function or operation
Software module is implementing.Software code can be come by the software application (or program) write with any suitable programming language
Implement, software code can be stored in memorizer 160 and be executed by controller 180.
So far, describe mobile terminal according to its function.Below, for the sake of brevity, will describe such as folded form,
Slide type mobile terminal in various types of mobile terminals of board-type, oscillating-type, slide type mobile terminal etc. is as showing
Example.Therefore, the present invention can be applied to any kind of mobile terminal, and is not limited to slide type mobile terminal.
As shown in Figure 1 mobile terminal 1 00 may be constructed such that using via frame or packet transmission data all if any
Line and wireless communication system and satellite-based communication system are operating.
The communication system being wherein operable to according to the mobile terminal of the present invention referring now to Fig. 2 description.
Such communication system can use different air interfaces and/or physical layer.For example, used by communication system
Air interface includes such as frequency division multiple access (fdma), time division multiple acess (tdma), CDMA (cdma) and universal mobile communications system
System (umts) (especially, Long Term Evolution (lte)), global system for mobile communications (gsm) etc..As non-limiting example, under
The description in face is related to cdma communication system, but such teaching is equally applicable to other types of system.
With reference to Fig. 2, cdma wireless communication system can include multiple mobile terminal 1s 00, multiple base station (bs) 270, base station
Controller (bsc) 275 and mobile switching centre (msc) 280.Msc280 is configured to and Public Switched Telephony Network (pstn)
290 formation interfaces.Msc280 is also structured to and can form interface via the bsc275 that back haul link is couple to base station 270.
Back haul link can construct according to any one in some known interfaces, and described interface includes such as e1/t1, atm, ip,
Ppp, frame relay, hdsl, adsl or xdsl.It will be appreciated that system as shown in Figure 2 can include multiple bsc275.
Each bs270 can service one or more subregions (or region), by the sky of multidirectional antenna or sensing specific direction
Each subregion that line covers is radially away from bs270.Or, each subregion can by for diversity reception two or more
Antenna covers.Each bs270 may be constructed such that support multiple frequency distribution, and the distribution of each frequency has specific frequency spectrum
(for example, 1.25mhz, 5mhz etc.).
Intersecting that subregion and frequency are distributed can be referred to as cdma channel.Bs270 can also be referred to as base station transceiver
System (bts) or other equivalent terms.In this case, term " base station " can be used for broadly representing single
Bsc275 and at least one bs270.Base station can also be referred to as " cellular station ".Or, each subregion of specific bs270 can be claimed
For multiple cellular stations.
As shown in Figure 2, broadcast singal is sent to the mobile terminal of operation in system by broadcsting transmitter (bt) 295
100.Broadcasting reception module 111 is arranged at mobile terminal 1 00 to receive the broadcast being sent by bt295 as shown in Figure 1
Signal.In fig. 2 it is shown that several global positioning system (gps) satellites 300.Satellite 300 helps position multiple mobile terminals
At least one of 100.
In fig. 2, depict multiple satellites 300, it is understood that be, it is possible to use any number of satellite obtains useful
Location information.Gps module 115 is generally configured to coordinate with satellite 300 to obtain the positioning letter wanted as shown in Figure 1
Breath.Substitute gps tracking technique or outside gps tracking technique, it is possible to use other of the position of mobile terminal can be followed the tracks of
Technology.In addition, at least one gps satellite 300 can optionally or additionally process satellite dmb transmission.
As a typical operation of wireless communication system, bs270 receives the reverse link from various mobile terminal 1s 00
Signal.Mobile terminal 1 00 generally participates in call, information receiving and transmitting and other types of communication.Each of certain base station 270 reception is anti-
Processed in specific bs270 to link signal.The data obtaining is forwarded to the bsc275 of correlation.Bsc provides call
Resource allocation and the mobile management function of including the coordination of soft switching process between bs270.Bsc275 is also by the number receiving
According to being routed to msc280, it provides the extra route service for forming interface with pstn290.Similarly, pstn290 with
Msc280 forms interface, and msc and bsc275 form interface, and bsc275 correspondingly controls bs270 with by forward link signals
It is sent to mobile terminal 1 00.
Based on above-mentioned mobile terminal hardware configuration and communication system, each embodiment of the inventive method is proposed.
Refer to Fig. 3, a kind of first embodiment of method of payment of the present invention, pass through near-field communication nfc for mobile terminal
Equipment is paid, and described method of payment comprises the steps:
Step s100, receives the enabled instruction for opening nfc equipment.This enabled instruction can be that user directly inputs
It is also possible to what the application program that associated with nfc equipment was generated.
Step s200, judges whether the state of the condition switch for authentication is unlatching.If so, then execution step
S300, if it is not, then execution step s400.Wherein, condition switch could be arranged to acquiescence unlatching, then require to carry out authentication.
But user carries out related setting, thus condition switch is closed, thus skipping authentication.
Step s300, carries out authentication, opens nfc equipment when the authentication succeeds, in order to carry out by described nfc equipment
Pay.
Step s400, directly initiates nfc equipment, in order to be paid by described nfc equipment.
The situation such as nfc equipment paying be realize bus card-reading payment function, swipe the card payment function or pass through in dining room
Pos machine with nfc function carries out small amount payment function.
Method of payment provided by the present invention is passed through to increase the condition switch for authentication, then can start nfc
Judged before equipment, if need to carry out authentication.Carry out authentication if necessary, then ensure that the safety of payment
Property；If not needing to carry out authentication, so that the convenience paying is greatly improved.The method of payment that the present invention provides is permissible
Need to be adjusted strategy according to user, therefore can either meet the preferential user of convenience it is also possible to meet safety preferential
Client, and there are more more options and more humane effect.
Refer to Fig. 4 and Fig. 6, a kind of second embodiment of method of payment of the present invention, the present embodiment with first embodiment is
Basis, increased step 500, step 600 before step s100, and step 200 is limited further.Specifically,
In the present embodiment, described method of payment also comprises the steps:
Step s500, pre-conditioned switch arranges interface, and described condition switch arranges showing interface shift knob
switchbutton.This condition switch arrange interface be typically programmer dispatch from the factory before edit in advance naturally it is also possible to be by
User-defined.
Step s600, receives and is derived from the control to described switchbutton for the user, described in order to control
Switchbutton switches to open mode or closed mode.
The step of described step s200 " judging whether the state of the condition switch for authentication opens " specifically includes:
Step s210, judges whether described switchbutton is in open mode；
If so, then the state of described condition switch is to open, and execution step s300；
If it is not, then the state of described condition switch is to close, and execution step s400.
Adopt switchbutton in the present embodiment, then have directly perceived and be easy to observe, and handover operation is simply imitated
Really.Certainly, in other enforcements, it would however also be possible to employ the scheme of other schemes, such as physical button；Or using being different from
The scheme of the virtual key of switchbutton, such as sliding button, gesture button etc..
Refer to Fig. 5, a kind of 3rd embodiment of method of payment of the present invention, the present embodiment based on first embodiment,
Increased step s700 before step s100, and step 210 is limited further.Specifically, described method of payment
Based on ARIXTRA Android system.
In the present embodiment, described method of payment also comprises the steps:
Described method of payment also comprises the steps:
Step s700, the state presetting described switchbutton is stored in the storage class of lightweight
sharedpreference.In ARIXTRA Android system, storage class sharedpreferences of lightweight is used for preserving use
Family preference parameter.Sharedpreferences is to use xml document, and the form using key-value carrys out data storage.Wherein, when
Switchbutton be in sharedpreference during open mode storage be true, when switchbutton be close shape
In sharedpreference during state, that storage is false.
The step of described " judging whether described switchbutton is in open mode " specifically includes:
S220, judges whether the state of described sharedpreference is true.
If so, then judge that described switchbutton is in open mode, and execution step s300.
If it is not, then judging that described switchbutton is closed, and execution step s400.
To process with respect to by the way of data base, to be had using the scheme of sharedpreferences in hgher efficiency,
Committed memory is less, response also faster effect.
Refer to Fig. 6, an embodiment at interface is set with regard to condition switch in method of payment of the present invention, optionally, described
Authentication at least includes fingerprint recognition.Because fingerprint has unchangeable property, uniqueness and convenience, therefore, fingerprint recognition
It is the popular scheme of current biological feature identification.Therefore adopt fingerprint recognition, there is at a relatively high safety.
And the development due to fingerprint identification device, the fingerprint identification function on mobile terminal instantly, 1s less than when
Interior can complete identify, therefore fingerprint recognition has higher safety and convenience.Therefore, using one side of fingerprint recognition
Case is come to carry out authentication be preferably scheme.
Described authentication can also include paying scene Recognition, geographical position identification and video identification code tag recognition
Deng.
Payment scene Recognition:
Detect be triggered using the operation that mobile terminal carries out nfc payment when, judge whether described mobile terminal is located
In default payment scene；When mobile terminal is in default payment scene, executes nfc delivery operation, prevent from propping up with nfc
Pay function mobile terminal in the case of putting into school bag or pocket stolen brush, it is to avoid the property loss of user.
Geographical position identifies:
This nfc mobile terminal includes: position information acquisition module, for obtaining the positional information that user is presently in, and
The positional information that acquired user is presently in exports to positional information comparison module；Positional information comparison module, is used for
Judge that the user positional information being presently in and the restriction user pre-setting that receive from position information acquisition module can enter
Whether the positional information of capable payment of swiping the card is consistent；If consistent, paid.Thus improve nfc swiping the card the safety of payment,
When reducing user mobile phone and losing, the risk of the stolen brush of nfc electronic cash card, it is to avoid make user suffer a loss.
Video identification code tag recognition:
Carry the video identification code label of the first payment key in the setting of nfc Payment Card surface, in nfc Payment Card
Nfc module memory storage second pays key；When being paid, recognized using the first payment key and the second payment key
Card is it is ensured that only when user takes out nfc Payment Card and is directed at swiping card equipment, swiping card equipment is read in the way of scanning or taking pictures
And identify that the video identification code label on nfc card surface could be interacted with nfc Payment Card and complete payment process.Thus, have
Effect prevents the stolen brush of nfc card being placed in wallet or pocket, has more preferable safety.
Therefore, in the case of opening authentication button, above-mentioned side can also also can be added only with fingerprint authentication
Case carries out subsidiary checking, thus improving safety further.
Refer to Fig. 7, arrange with regard to condition switch in the variant embodiment at interface in method of payment of the present invention, described condition
Switch setting interface is provided with multiple described switchbutton, and each described switchbutton corresponds to a kind of authentication.
Then corresponding authentication can be adjusted and be on or off by adjusting every switchbutton.
Described authentication can include fingerprint recognition, pay scene Recognition, geographical position identification and video identification code mark
Sign at least two identifying schemes of identification.
The present embodiment passes through to arrange multiple switchbutton, and every switchbutton corresponds to a kind of identity and tests
Card scheme more selects such that it is able to give user, and then improves the hommization effect of the present invention further.
Refer to Fig. 8, an embodiment of payment mechanism of the present invention, entered by near-field communication nfc equipment for mobile terminal
Row pays, and described payment mechanism 400 includes:
First receiver module 410, for receiving the enabled instruction for opening nfc equipment；This enabled instruction can be used
That family directly inputs it is also possible to what the application program that associated with nfc equipment was generated.
Judge module 420, whether the state for judging the condition switch for authentication is unlatching.Wherein, condition
Switch could be arranged to acquiescence and opens, then require to carry out authentication.But user carries out related setting, thus to condition switch
Close, thus skipping authentication.
First starting module 430, if being judged to it is to carry out authentication for described judge module 420, when verifying into
Nfc equipment is opened, in order to be paid by described nfc equipment during work(.
Second starting module 440, if be judged to no for described judge module 420, directly initiates nfc equipment, in order to
Paid by described nfc equipment.
The situation such as nfc equipment paying be realize bus card-reading payment function, swipe the card payment function or pass through in dining room
Pos machine with nfc function carries out small amount payment function.
Payment mechanism provided by the present invention passes through to increase the condition switch judging for authentication, then can start
Judged before nfc equipment, if need to carry out authentication.Carry out authentication if necessary, then ensure that payment
Safety；If not needing to carry out authentication, so that the convenience paying is greatly improved.The method of payment that the present invention provides
Due to then can need to be adjusted strategy according to user, therefore can either meet convenience preferential with user mutual
User is it is also possible to meet the preferential client of safety, and has more more options and more humane effect.
Optionally, described payment mechanism also includes:
Interface module 450, for pre-conditioned switch setting interface, described condition switch arranges showing interface shift knob
switchbutton；This condition switch arrange interface be typically programmer dispatch from the factory before edit in advance naturally it is also possible to be by
User-defined.
Second receiver module 460, is derived from the control to described switchbutton for the user for receiving, described in order to control
Switchbutton switches to open mode or closed mode.
Incorporated by reference to referring to Fig. 9, described judge module 420 specifically includes:
Judging unit 421, for judging whether described switchbutton is in open mode,
Open unit 422, for being judged to it is that then the state of described condition switch is to open when described judging unit 421；
Closing unit 423, for when described judging unit 421 be judged to no, then the state of described condition switch be close.
Adopt switchbutton in the present embodiment, then have directly perceived and be easy to observe, and handover operation is simply imitated
Really.Certainly, in other enforcements, it would however also be possible to employ the scheme of other schemes, such as physical button；Or using being different from
The scheme of the virtual key of switchbutton, such as sliding button, gesture button etc..
Optionally, described payment mechanism is based on ARIXTRA Android system.
Described payment mechanism also includes:
Storage module 470, the state for presetting described switchbutton is stored in the storage class of lightweight
sharedpreference；In ARIXTRA Android system, storage class sharedpreferences of lightweight is used for preserving use
Family preference parameter.Sharedpreferences is to use xml document, and the form using key-value carrys out data storage.Wherein, when
Switchbutton be in sharedpreference during open mode storage be true, when switchbutton be close shape
In sharedpreference during state, that storage is false.
Described judging unit 421 is specifically for judging whether the state of described sharedpreference is true；
If so, then judge that described switchbutton is in open mode；
If it is not, then judging that described switchbutton is closed.
To process with respect to by the way of data base, to be had using the scheme of sharedpreferences in hgher efficiency,
Committed memory is less, response also faster effect.
Incorporated by reference to referring to Fig. 6, further, described authentication at least includes fingerprint recognition.Because fingerprint has all the life
Invariance, uniqueness and convenience, therefore, fingerprint recognition is the popular scheme of current biological feature identification.Therefore adopt fingerprint
Identification, has at a relatively high safety.
And the development due to fingerprint identification device, the fingerprint identification function on mobile terminal instantly, 1s less than when
Interior can complete identify, therefore fingerprint recognition has higher safety and convenience.Therefore, using one side of fingerprint recognition
Case is come to carry out authentication be preferably scheme.
Described authentication can also include paying scene Recognition, geographical position identification and video identification code tag recognition
Deng.
Payment scene Recognition:
Detect be triggered using the operation that mobile terminal carries out nfc payment when, judge whether described mobile terminal is located
In default payment scene；When mobile terminal is in default payment scene, executes nfc delivery operation, prevent from propping up with nfc
Pay function mobile terminal in the case of putting into school bag or pocket stolen brush, it is to avoid the property loss of user.
Geographical position identifies:
This nfc mobile terminal includes: position information acquisition module, for obtaining the positional information that user is presently in, and
The positional information that acquired user is presently in exports to positional information comparison module；Positional information comparison module, is used for
Judge that the user positional information being presently in and the restriction user pre-setting that receive from position information acquisition module can enter
Whether the positional information of capable payment of swiping the card is consistent；If consistent, paid.Thus improve nfc swiping the card the safety of payment,
When reducing user mobile phone and losing, the risk of the stolen brush of nfc electronic cash card, it is to avoid make user suffer a loss.
Video identification code tag recognition:
Carry the video identification code label of the first payment key in the setting of nfc Payment Card surface, in nfc Payment Card
Nfc module memory storage second pays key；When being paid, recognized using the first payment key and the second payment key
Card is it is ensured that only when user takes out nfc Payment Card and is directed at swiping card equipment, swiping card equipment is read in the way of scanning or taking pictures
And identify that the video identification code label on nfc card surface could be interacted with nfc Payment Card and complete payment process.Thus, have
Effect prevents the stolen brush of nfc card being placed in wallet or pocket, has more preferable safety.
Therefore, in the case of opening authentication button, above-mentioned side can also also can be added only with fingerprint authentication
Case carries out subsidiary checking, thus improving safety further.
Refer to Fig. 7, in variant embodiment, described condition switch setting interface is provided with multiple described
Switchbutton, each described switchbutton corresponds to a kind of authentication；Then can be each by adjusting
Switchbutton and adjust corresponding authentication and be on or off.
Described authentication includes fingerprint recognition, pays scene Recognition, geographical position identification and the knowledge of video identification code label
Other at least two identifying schemes.
The present embodiment passes through to arrange multiple switchbutton, and every switchbutton corresponds to a kind of identity and tests
Card scheme more selects such that it is able to give user, and then improves the hommization effect of the present invention further.
Present invention also offers a kind of mobile terminal, including payment mechanism, wherein, described payment mechanism adopts above-mentioned propping up
Pay device.Because this mobile terminal employs above-mentioned payment mechanism, therefore this mobile terminal also has above-mentioned payment mechanism institute
There is technical characteristic and corresponding technique effect, will not be described here.
It should be noted that herein, term " inclusion ", "comprising" or its any other variant are intended to non-row
The comprising of his property, so that including a series of process of key elements, method, article or device not only include those key elements, and
And also include other key elements of being not expressly set out, or also include intrinsic for this process, method, article or device institute
Key element.In the absence of more restrictions, the key element being limited by sentence "including a ..." is it is not excluded that including being somebody's turn to do
Also there is other identical element in the process of key element, method, article or device.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by the mode of software plus necessary general hardware platform naturally it is also possible to pass through hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme is substantially done to prior art in other words
Go out partly can embodying in the form of software product of contribution, this computer software product is stored in a storage medium
In (as rom/ram, magnetic disc, CD), including some instructions with so that a station terminal equipment (can be mobile terminal, calculate
Machine, server, air-conditioner, or network equipment etc.) execution each embodiment of the present invention described in method.
These are only the preferred embodiments of the present invention, not thereby limit the present invention the scope of the claims, every using this
Equivalent structure or equivalent flow conversion that bright description and accompanying drawing content are made, or directly or indirectly it is used in other related skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of method of payment, is paid it is characterised in that described for mobile terminal by near-field communication nfc equipment
The method of paying comprises the steps:
Receive the enabled instruction for opening nfc equipment；
Whether the state judging the condition switch for authentication is unlatching；
If so, then carry out authentication, open nfc equipment when the authentication succeeds, in order to be paid by described nfc equipment；
If it is not, then directly initiating nfc equipment, in order to be paid by described nfc equipment.
2. method of payment as claimed in claim 1 is it is characterised in that described method of payment also comprises the steps:
Pre-conditioned switch setting interface, described condition switch arranges showing interface shift knob switchbutton；
Receive and be derived from the control to described switchbutton for the user, in order to control described switchbutton to switch to open shape
State or closed mode；
The step of described " judging whether the state of the condition switch for authentication opens " specifically includes:
Judge whether described switchbutton is in open mode.
3. method of payment as claimed in claim 2 is it is characterised in that described method of payment is based on Android system；
Described method of payment also comprises the steps:
The state presetting described switchbutton is stored in storage class sharedpreference of lightweight；
The step of described " judging whether described switchbutton is in open mode " specifically includes:
Whether the state judging described sharedpreference is true；
If so, then judge that described switchbutton is in open mode；
If it is not, then judging that described switchbutton is closed.
4. the method for payment as described in any one of claims 1 to 3 is it is characterised in that described authentication at least includes fingerprint
Identification.
5. method of payment as claimed in claim 2 or claim 3 it is characterised in that described condition switch setting interface be provided with multiple
Described switchbutton, each described switchbutton corresponds to a kind of authentication；
Described authentication includes fingerprint recognition, pays in scene Recognition, geographical position identification and video identification code tag recognition
At least two identifying schemes.
6. a kind of payment mechanism, is paid it is characterised in that described for mobile terminal by near-field communication nfc equipment
Pay device to include:
First receiver module, for receiving the enabled instruction for opening nfc equipment；
Judge module, whether the state for judging the condition switch for authentication is unlatching；
First starting module, if being judged to for described judge module is to carry out authentication, open when the authentication succeeds
Nfc equipment, in order to be paid by described nfc equipment；
Second starting module, if be judged to no for described judge module, directly initiates nfc equipment, in order to by described nfc
Equipment is paid.
7. payment mechanism as claimed in claim 6 is it is characterised in that described payment mechanism also includes:
Interface module, for pre-conditioned switch setting interface, described condition switch arranges showing interface shift knob
switchbutton；
Second receiver module, is derived from the control to described switchbutton for the user for receiving, described in order to control
Switchbutton switches to open mode or closed mode；
Described judge module specifically includes:
Judging unit, for judging whether described switchbutton is in open mode.
8. payment mechanism as claimed in claim 7 is it is characterised in that described payment mechanism is based on Android system；
Described payment mechanism also includes:
Storage module, the state for presetting described switchbutton is stored in the storage class of lightweight
sharedpreference；
Described judging unit is specifically for judging whether the state of described sharedpreference is true；
If so, then judge that described switchbutton is in open mode；
If it is not, then judging that described switchbutton is closed.
9. the payment mechanism as described in claim 7 or 8 any one is it is characterised in that described condition switch setting interface is arranged
Multiple described switchbutton, each described switchbutton is had to correspond to a kind of authentication；
Described authentication includes fingerprint recognition, pays in scene Recognition, geographical position identification and video identification code tag recognition
At least two identifying schemes.
10. a kind of mobile terminal, including payment mechanism it is characterised in that described payment mechanism is any one of claim 6 to 9
Described payment mechanism.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610707736.1A CN106372891A (en) | 2016-08-23 | 2016-08-23 | Payment method and apparatus, and mobile terminal |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610707736.1A CN106372891A (en) | 2016-08-23 | 2016-08-23 | Payment method and apparatus, and mobile terminal |
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ID=57878549
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| CN201610707736.1A Pending CN106372891A (en) | 2016-08-23 | 2016-08-23 | Payment method and apparatus, and mobile terminal |
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| CN112508554A (en) * | 2021-01-29 | 2021-03-16 | 北京紫光青藤微系统有限公司 | Transaction processing method and device based on near field communication |
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