CN110738490A - Near field mobile payment method, device, acceptance terminal and storage medium - Google Patents
Near field mobile payment method, device, acceptance terminal and storage medium Download PDFInfo
- Publication number
- CN110738490A CN110738490A CN201910949674.9A CN201910949674A CN110738490A CN 110738490 A CN110738490 A CN 110738490A CN 201910949674 A CN201910949674 A CN 201910949674A CN 110738490 A CN110738490 A CN 110738490A
- Authority
- CN
- China
- Prior art keywords
- transaction
- payment account
- near field
- mobile terminal
- field communication
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
-
- 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
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
The embodiment of the invention discloses near field mobile payment methods, devices, an acceptance terminal and a computer readable storage medium, wherein the method comprises the steps of obtaining payment account information from a mobile terminal through near field communication, receiving transaction amount and a transaction password sent by the mobile terminal through the near field communication, generating a transaction message according to the payment account information, the transaction amount and the transaction password, and sending the transaction message to a server.
Description
Technical Field
The invention relates to the technical field of non-inductive payment, in particular to near-field mobile payment methods, devices, acceptance terminals and computer-readable storage media.
Background
For two-dimension code payment, a merchant can complete transaction only by two-dimension codes, almost no cost is generated, the merchant even does not need any operation, and the transaction has overwhelming advantages in small and micro merchants and other small and high-frequency transaction scenes.
Although various forms of POS supporting NFC payment appear in the market at present, from a traditional large POS and a mobile phone card reader, and from a current silver-combined mobile phone POS, the traditional large POS and the mobile phone card reader need separate hardware, and the mobile phone POS needs a mobile phone supporting a Trusted Execution Environment (TEE) and a security chip (SE), so that the cost is high. In addition, the payment process of the NFC non-contact payment is still the same as the payment process of the traditional physical bank card payment, and at least includes: 1) the POS machine reads the information on the bank card/virtual bank card; 2) the POS machine receives the transaction amount input by the merchant; 3) the POS machine receives a transaction password input by a customer or a cardholder; 3) the POS machine uploads transaction information to a Unionpay and a card issuing bank; 4) the POS receives and displays the returned information of whether the transaction is successful or not.
Therefore, in the scenes of small micro-business businesses and the like, the existing NFC non-connection payment is difficult to compete with two-dimensional code payment from cost to convenience, and the requirements of reducing cost and simplifying (business user side) processes exist.
Disclosure of Invention
In view of this, the embodiments of the present invention provide near field mobile payment methods, apparatuses, acceptance terminals, and computer readable storage media, so as to reduce the cost of near field mobile payment and improve the convenience of near field mobile payment.
According to , the embodiment of the invention provides a near-field mobile payment method which comprises the steps of obtaining payment account information from a mobile terminal through near-field communication, receiving transaction amount and a transaction password sent by the mobile terminal through near-field communication, generating a transaction message according to the payment account information, the transaction amount and the transaction password, and sending the transaction message to a server.
Optionally, the obtaining payment account information from the mobile terminal through near field communication includes: reading payment account information from the mobile terminal operating in a card emulation mode in a read-write mode; the receiving of the transaction amount and the transaction password sent by the mobile terminal through the near field communication includes: and receiving the transaction amount and the transaction password sent by the mobile terminal operating in the point-to-point mode.
Optionally, before the obtaining payment account information from the mobile terminal through near field communication, the method further comprises: obtaining payment account type information from the mobile terminal through near field communication; determining whether the payment account type is supported; when the payment account type is supported, switching a current payment channel into a payment channel corresponding to the payment account type; and executing the step of obtaining the payment account information from the mobile terminal through the near field communication.
Optionally, the obtaining payment account type information from the mobile terminal through near field communication includes: and receiving the identification of the application program which the current active window of the mobile terminal belongs to, which is sent by the mobile terminal working in the point-to-point mode.
Optionally, the determining whether the payment account type is supported comprises: and searching whether the identification exists in a stored identification list, wherein the identification list comprises the identification corresponding to the supported payment account type.
Optionally, after the sending the transaction message to the server, the method further includes: receiving a transaction processing result returned by the server; and executing corresponding operation according to the transaction processing result.
According to a second aspect, the embodiment of the invention provides near-field mobile payment devices, which comprise a near-field communication unit, a generating unit and a sending unit, wherein the near-field communication unit is used for acquiring payment account information, transaction amount and a transaction password from a mobile terminal through near-field communication, the generating unit is used for generating a transaction message according to the payment account information, the transaction amount and the transaction password, and the sending unit is used for sending the transaction message to a server.
According to a third aspect, an kinds of acceptor terminals are provided, and the acceptor terminals include a near field communication unit configured to obtain payment account information, a transaction amount, and a transaction password from a mobile terminal through near field communication, a sending unit configured to send a transaction packet generated according to the payment account information, the transaction amount, and the transaction password to a server, a memory, and a processor, where the near field communication unit, the sending unit, the memory, and the processor are communicatively connected to each other, and the memory stores computer instructions, and the processor executes the computer instructions to perform the method of any in the aspect.
Optionally, the acceptance terminal is a wearable terminal.
According to a fourth aspect, embodiments of the present invention provide computer readable storage media storing computer instructions for causing a computer to perform the method of any of the above aspect.
According to the near-field mobile payment method, the device, the acceptance terminal and the storage medium provided by the embodiment of the invention, the acceptance terminal only needs to approach the mobile terminal of the client twice (namely 'touch-and-touch'), so that the payment account information, the transaction amount and the transaction password can be acquired from the mobile terminal of the client through near-field communication, and the merchant can complete the transaction without any input operation in the whole transaction process, so that the operation flow of the merchant is simplified, the experience of the merchant side in the transaction scene of the small and micro merchant is improved, and particularly, the merchant who is inconvenient to operate the traditional POS machine in the industries such as food and the like (the merchant needs to wear gloves to take food and remove the gloves to operate the POS machine) does not need to wear/take the gloves frequently. In addition, the acceptance terminal in the embodiment of the invention can adopt the form of wearable terminals such as intelligent bracelets and the like, has low cost and high portability, and compared with a static two-dimensional code which is basically not controlled by a merchant due to the characteristic that the wearable terminals such as the bracelets and the like are in close contact with a human body, the acceptance terminal can realize the control of the merchant on the whole payment process (the touch-two-touch can be completed only by the cooperation of corresponding merchant limbs), thereby improving the payment safety.
Drawings
The features and advantages of the present invention will be more clearly understood by reference to the accompanying drawings, which are illustrative and not to be construed as limiting the invention in any way, and in which:
fig. 1 shows a flow diagram of a near field mobile payment method according to an embodiment of the invention;
FIG. 2 illustrates a flow diagram of a near field mobile payment method according to another embodiment of the invention;
FIG. 3 shows a schematic diagram of a near field mobile payment device according to an embodiment of the invention;
fig. 4 shows a schematic diagram of an acceptance terminal according to an embodiment of the invention.
Detailed Description
To make the objects, technical solutions and advantages of the embodiments of the present invention clearer and more complete description of the technical solutions of the embodiments of the present invention will be given below with reference to the accompanying drawings of the embodiments of the present invention, and it is obvious that the described embodiments are partial embodiments of of the present invention, rather than all embodiments.
In the prior art, when merchants, especially those engaged in the industries of food and the like, complete transactions by using a POS machine, need to wear gloves to take food for customers, then remove the gloves to operate the POS machine, and need to wear gloves again when taking food for customers, so as to ensure food hygiene, and therefore frequent wearing/removing of gloves is needed, and the use experience of merchants is extremely poor.
Fig. 1 shows a near field mobile payment method according to an embodiment of the present invention, which may be applied to various smart terminals with NFC functionality, especially wearable terminals such as smart bands, and the method may include the following steps:
s11, obtaining payment account information from the mobile terminal through near field communication.
Near Field Communication (NFC) is a wireless connection technology for realizing communication of electronic devices in a short distance by using electromagnetic field induction, and generally adopts an operating frequency of 13.56MHz, an effective communication range is 0-20cm, and generally 4cm, and two terminals having NFC functions can realize rapid and safe data exchange by touching or approaching. When the acceptance terminal of the merchant and the mobile terminal of the customer have the NFC function, the acceptance terminal can acquire the payment account information from the mobile terminal. For merchants, especially those engaged in the industries such as food, wearable terminals such as smart bracelets can be used as accepting terminals, when a customer needs to pay, the merchant only needs to stretch out a hand to enable the bracelet on the hand to be close to the mobile terminal of the customer, and then payment account information can be obtained from the mobile terminal through near-field communication, and unlike traditional payment by a POS machine, the merchant does not need to wear/remove gloves frequently to perform input operation on the POS machine. Optionally, in order to ensure the security of the transaction of the customer, the payment account information is sent to the acceptance terminal in a ciphertext or partial plaintext and partial ciphertext manner.
The terminal with the NFC function has three operation modes, namely, a Card Emulation (CE) mode, a read/write (R/W) mode, and a Peer-to-Peer (P2P) mode, wherein the Card Emulation mode is to emulate a terminal with the NFC function as contactless cards or NFC tags, such as bank cards, and in this operation mode, even if the terminal is powered off or in an off state, the terminal is not affected to be used as cards or tags, the read/write mode is to use the terminal with the NFC function as a Card Reader and to read data from the contactless cards or tags, the Peer-to-Peer mode is to establish a communication connection between two terminals with the NFC function to exchange data, optional embodiments are provided, when the operation mode of the bank acceptance terminal is in the read/write mode and the operation mode of the mobile terminal of the customer is in the Card Emulation mode, the acceptance terminal can read account information from the mobile terminal operating in the Card Emulation mode, and the customer can read/write information from the mobile terminal in the bank acceptance mode .
And S12, receiving the transaction amount and the transaction password sent by the mobile terminal through near field communication.
In optional embodiments, after the acceptance terminal reads the payment account information in the read-write mode, the operation mode may be automatically switched to the point-to-point mode to receive the transaction amount and the transaction password sent by the mobile terminal which is also switched to the point-to-point mode, in order to facilitate the operation of the client, in optional embodiments, after the acceptance terminal obtains the payment account information, the operation mode may be switched to the point-to-point mode to send transaction forms to the mobile terminal which is also in the point-to-point mode, the transaction form may include a transaction amount input frame and a transaction password input frame, the client may send the transaction amount and the transaction password to the acceptance terminal in the point-to-point mode after filling the corresponding amount and password in the transaction amount input frame and the transaction password input frame, and optionally send the transaction password to the acceptance terminal in the form of a ciphertext.
In , after the accepting terminal receives the transaction amount and the transaction password, the method may include determining whether the transaction amount is correct (the merchant may obtain the transaction amount input by the customer through a display screen of the accepting terminal or the mobile terminal, or obtain the transaction amount input by the customer through voice broadcast of a sound player connected to the accepting terminal), when the accepting terminal is a wearable terminal, the accepting terminal may send an instruction through a predetermined gesture of the merchant, for example, lifting the hand upwards indicates that the transaction amount is correct, and lowering the hand downwards indicates that the transaction amount is incorrect, a sensor in the wearable terminal may perform a next step when detecting an upward acceleration, and when detecting a downward acceleration, the merchant waits to receive the transaction amount again, which is just an example, and may set a gesture according to personal habits.
And S13, generating a transaction message according to the payment account information, the transaction amount and the transaction password.
Taking bank card payment as an example, the acceptance terminal may generate an ISO8583 message according to the payment account information, the transaction amount and the transaction password, so as to send the message to a server of a union of bank or an acquirer, for example.
And S14, sending the transaction message to a server.
The acceptance terminal can send the transaction message to the server in a wired or wireless communication mode, and the acceptance terminal can access the internet through a network card to send the transaction message, can access the mobile communication network through a mobile communication antenna to send the transaction message, and can also indirectly access the internet through WIFI, Bluetooth and the like to send the transaction message. For example, the acceptance terminal is a wearable terminal such as a smart band, and the smart band may be connected to a network terminal of a merchant such as a smart phone through bluetooth, so that the transaction message may be sent to the network terminal through bluetooth, and then sent to the server through the network terminal. After receiving the transaction message, the server can check the validity of the payment account, verify the password and the balance of the payment account according to the payment account information, the transaction amount and the transaction password so as to generate a transaction processing result and return the transaction processing result to the acceptance terminal.
According to the near-field mobile payment method provided by the embodiment of the invention, the working mode of the acceptance terminal is variable, a merchant can successively obtain payment account information, transaction amount and transaction password from the mobile terminal of a client through near-field communication only by enabling the acceptance terminal to be close to the mobile terminal of the client twice (namely, touching the two), the merchant can complete the transaction without any input operation in the whole transaction process, the operation flow of the merchant is simplified, the experience of the merchant side in the transaction scene of a small-scale merchant is improved, and particularly, the merchant who is inconvenient to operate the traditional POS machine in industries such as food and the like (the POS machine is operated by wearing gloves to take food and removing the gloves) does not need to wear/take the gloves frequently. In addition, the acceptance terminal in the embodiment of the invention can adopt the form of wearable terminals such as intelligent bracelets and the like, has low cost and high portability, and compared with a static two-dimensional code which is basically not controlled by a merchant due to the characteristic that the wearable terminals such as the bracelets and the like are in close contact with a human body, the acceptance terminal can realize the control of the merchant on the whole payment process (the touch-two-touch can be completed only by the cooperation of corresponding merchant limbs), thereby improving the payment safety.
In optional implementations of the embodiment of the present invention, the method for near field mobile payment may further include:
and S15, receiving a transaction processing result returned by the server.
When the server detects that the payment account is valid, the password is verified to be passed, and the balance of the payment account is larger than the transaction amount, deducting funds corresponding to the transaction amount from the payment account of the client, and then sending a transaction processing result of successful transaction to the acceptance terminal, if any persons in the payment account, the password verification and the balance of the payment account do not pass, sending the transaction processing result of failed transaction to the acceptance terminal.
And S16, executing corresponding operation according to the transaction processing result.
For example, when the transaction processing result is successful, the acceptance terminal of the smart bracelet displays success or green, and when the transaction processing result is failed, the acceptance terminal of the smart bracelet displays failure or red, a person skilled in the art can also set other display contents to remind the merchant of different transaction processing results.
Fig. 2 shows a near field mobile payment method according to an embodiment of the present invention, which may also be applied to various smart terminals with NFC functionality, especially wearable terminals such as smart bands, and the method may include the following steps:
and S21, obtaining payment account type information from the mobile terminal through near field communication.
For the traditional mobile payment, when a merchant adopts a traditional POS machine, the merchant only supports a bank card payment mode, the customer only can set the mobile terminal into a card simulation mode to simulate the mobile terminal into a bank card, if the mobile terminal of the customer does not have corresponding application, the payment cannot be carried out, the current two-dimensional code payment usually only supports mobile payment applications, for example, the two-dimensional code of the mobile payment only supports a pay bank scan code, the WeChat two-dimensional code only supports a WeChat scan code, when the merchant adopts the pay bank two-dimensional code, the customer only can open the pay bank application in the mobile terminal, and the customer cannot use the mobile payment application according to the preference or habit of the customer, so that the customer has to install various mobile payment applications in the mobile terminal to deal with different merchants, and great inconvenience is brought to the customer.
In this embodiment, the customer may open the mobile payment application according to the use preference or habit of the customer, for example, the mobile terminal of the customer currently opens the mobile payment application a, the acceptance terminal may obtain payment account type information corresponding to the mobile payment application a from the mobile terminal through near field communication, and the acceptance terminal may know that the mobile payment application currently opened by the mobile terminal is the application a according to the payment account type information.
And S22, judging whether the payment account type is supported or not, executing a step S23 when the payment account type is paid, and terminating the transaction when the payment account type is not supported.
For example, the client mobile terminal currently opens the mobile payment application a, and if the acceptance terminal supports the mobile payment application a, the subsequent steps can be continued; if the acceptance terminal only supports the mobile payment application B, C, D but not supports the mobile payment application a, the transaction cannot be completed, so that the acceptance terminal terminates the transaction and reminds the merchant in a display mode, a sound mode, a vibration mode or the like. In order to bring convenience to the customer as much as possible, various mainstream mobile payment applications can be preset in the acceptance terminal of the merchant so as to support the payment account type selected by the customer to the greatest extent.
And S23, switching the current payment channel into a payment channel corresponding to the payment account type.
The acceptance terminal has a plurality of different payment channels, and the different payment channels can generate different transaction messages by using the obtained payment account information, the transaction amount and the transaction password in different data processing modes and send the corresponding transaction messages to corresponding server addresses. For the sake of financial security, different payment channels are isolated from each other, so when the customer chooses to pay by using the mobile payment application a, the accepting terminal needs to switch the current payment channel to the payment channel corresponding to the payment account type a.
And S24, obtaining payment account information from the mobile terminal through near field communication.
When the payment account type acquired by the acceptance terminal is a bank card payment type, the acceptance terminal can be switched to a read-write mode to read bank card information, and when the payment account type acquired by the acceptance terminal is other types, the acceptance terminal can be switched to a point-to-point mode to acquire payment account information, such as a Paibao account number, a WeChat account number and the like, optionally, the payment account information is sent to the acceptance terminal in a mode of a ciphertext or a part of a plaintext and a part of a ciphertext, and the specific contents of the step S24 and the step S can refer to the description of the step S11.
And S25, receiving the transaction amount and the transaction password sent by the mobile terminal through near field communication.
In step S24 and step S25, if the payment account type selected by the customer is not a bank card payment, the accepting terminal may obtain the transaction amount and the transaction password sent by the mobile terminal while obtaining the payment account information in the point-to-point operating mode, so as to reduce the number of times that the accepting terminal and the mobile terminal touch or approach each other.
And S26, generating a transaction message according to the payment account information, the transaction amount and the transaction password, wherein the specific content can refer to the description of the step S13.
And S27, sending the transaction message to a server, wherein the specific content can refer to the description of the step S14.
In the near field mobile payment method of the embodiment, a customer does not need to complete a transaction only by adopting a specific payment account type, the customer can select mobile payment applications according to own use preference or habit, the acceptance terminal acquires the payment account type selected by the customer through near field communication, and when the acceptance terminal supports the payment account type, the current payment channel is switched to the payment channel corresponding to the payment account type to complete a subsequent transaction process, so that the use of the customer is greatly facilitated.
In alternative embodiments of the present embodiment, the step S21 may include receiving, in the peer-to-peer mode, an identifier of an application program to which a current active window of the mobile terminal belongs, sent by the mobile terminal operating in the peer-to-peer mode.
For example, the acceptance terminal may send requests to the mobile terminal operating in the point-to-point mode, and after receiving the requests, the mobile terminal may obtain the identifier of the application program to which the current active window belongs, and send the identifier to the acceptance terminal also in the point-to-point mode, so that the acceptance terminal may obtain the identifier.
In alternative embodiments of the present embodiment, the step S22 may include looking up whether the identifier exists in the stored identifier list.
When a merchant installs a mobile payment application in an acceptance terminal, the acceptance terminal can store the identifier of the installed mobile payment application in identifier lists, so that the identifier lists include identifiers corresponding to all mobile payment applications installed in the acceptance terminal, that is, identifiers corresponding to payment account types supported by the acceptance terminal.
As in the embodiment shown in fig. 1, in alternative implementations of this embodiment, after step S27, the near field mobile payment of this embodiment may further include:
s28, receiving a transaction processing result returned by the server, wherein the specific content can refer to the description of the step S15;
and S29, executing corresponding operation according to the transaction processing result, wherein the specific content can refer to the description of the step S16.
Correspondingly, as shown in fig. 3, an embodiment of the present invention further provides near-field mobile payment devices, which may be applied to various smart terminals having an NFC function, especially wearable terminals such as smart bracelets, and the devices may include:
a near field communication unit 31 for acquiring the payment account information, the transaction amount and the transaction password from the mobile terminal through near field communication, and the specific contents may refer to the description of steps S11 and S12.
The generating unit 32 is configured to generate a transaction message according to the payment account information, the transaction amount, and the transaction password, where specific content may refer to the description in step S13.
The sending unit 33 is configured to send the transaction message to a server, and the specific content may refer to the description of step S14.
Other specific details of the near field mobile payment device according to the embodiment of the present invention may be understood by referring to the corresponding related description and effects in the embodiments shown in fig. 1 and fig. 2, which are not described herein again.
As shown in fig. 4, the embodiment of the present invention further provides accepting terminals, where the accepting terminal may include a near field communication unit 41, a sending unit 42, a processor 43, and a memory 44, where the near field communication unit 41, the sending unit 42, the processor 43, and the memory 44 may be connected by a bus or in another manner, and fig. 4 takes the connection by a bus as an example.
The near field communication unit 41 is configured to obtain payment account information, a transaction amount, and a transaction password from the mobile terminal through near field communication, the near field communication unit 41 may switch back and forth between a read-write mode and a point-to-point mode, the near field communication unit 41 may determine an NFC operating mode of a current step according to the previous step, for example, an initial operating mode of the accepting terminal may be the read-write mode, after the payment account information of the client is read in the read-write mode, the accepting terminal may automatically switch the operating mode to the point-to-point mode according to the previous step to obtain the transaction amount and the transaction password, and after the transaction is completed, switch back to the read-write mode to wait for transactions, the near field communication unit 41 may also poll between the read-write mode and the point-to-point mode, for example, when the mobile terminal in the card emulation mode enters an NFC communication distance of the accepting terminal, when the operating mode of the accepting terminal polls to the read-write mode, the payment account information of the mobile terminal in the card emulation mode may be obtained when the accepting terminal needs to receive the transaction amount and the transaction password sent by the mobile terminal, and the transaction amount and the transaction password may be sent.
The sending unit 42 is configured to send a transaction message generated according to the payment account information, the transaction amount, and the transaction password to the server. The sending unit 42 may be any element capable of directly or indirectly connecting with the internet, for example, it may be a mobile communication antenna, a wired or wireless network card, etc., or it may be a WIFI antenna, a bluetooth antenna, etc., so that the accepting terminal can directly or indirectly connect with the internet to send the transaction message to the server.
The Processor 43 may be a Central Processing Unit (CPU), the Processor 43 may also be other general purpose processors, Digital Signal Processors (DSP), Application Specific Integrated Circuits (ASIC), Field Programmable Array (FPGA) or other Programmable logic device, discrete or transistor logic devices, discrete hardware components, or combinations thereof.
The memory 44 serves as non-transitory computer readable storage media, and can be used for storing non-transitory software programs, non-transitory computer executable programs, and modules, such as program instructions corresponding to the near field mobile payment method in the embodiment of the present invention, the processor 43 executes various functional applications and data processing of the processor by executing the non-transitory software instructions stored in the memory 44, so as to implement the near field mobile payment method in the above-described method embodiment.
As optional embodiments, the acceptance terminal in this embodiment is a wearable terminal, step is optionally an intelligent bracelet, when a merchant wears the intelligent bracelet, the merchant can obtain payment account information, transaction amount and transaction password by only extending a hand to touch the intelligent bracelet or move the terminal close to a customer, the merchant can complete the transaction without any input operation in the whole transaction process, the operation flow of the merchant is simplified, particularly for the merchant engaged in the food industry, frequent wearing/picking of gloves is not needed, the merchant can participate in the transaction by means of a gesture instruction and the like, a corresponding control instruction is sent to the intelligent bracelet by a predetermined gesture, and after the intelligent bracelet receives the transaction processing result returned by the server, the merchant can be reminded of the transaction processing result by means of display, sound or vibration and the like, so that the security of the transaction can be improved.
The details of the above-mentioned accepting terminal can be understood by referring to the corresponding related descriptions and effects in the embodiments shown in fig. 1 and fig. 2, and are not described herein again.
Those skilled in the art will appreciate that all or part of the processes in the methods of the above embodiments may be implemented by hardware instructed by a computer program, where the program may be stored in computer readable storage medium, and when executed, the program may include the processes of the above embodiments of the methods, where the storage medium may be a magnetic Disk, an optical Disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a Flash Memory (Flash Memory), a Hard Disk (Hard Disk Drive, abbreviated as HDD), a Solid-State Drive (SSD), or the like, and the storage medium may further include a combination of the above memories.
Although the embodiments of the present invention have been described in conjunction with the accompanying drawings, those skilled in the art may make various modifications and variations without departing from the spirit and scope of the invention, and such modifications and variations fall within the scope defined by the appended claims.
Claims (10)
1, A near field mobile payment method, comprising:
obtaining payment account information from a mobile terminal through near field communication;
receiving a transaction amount and a transaction password sent by the mobile terminal through near field communication;
generating a transaction message according to the payment account information, the transaction amount and the transaction password;
and sending the transaction message to a server.
2. The method of claim 1,
the obtaining of the payment account information from the mobile terminal through the near field communication includes: reading payment account information from the mobile terminal operating in a card emulation mode in a read-write mode;
the receiving of the transaction amount and the transaction password sent by the mobile terminal through the near field communication includes: and receiving the transaction amount and the transaction password sent by the mobile terminal operating in the point-to-point mode.
3. The method of claim 1, prior to the obtaining payment account information from a mobile terminal via near field communication, further comprising:
obtaining payment account type information from the mobile terminal through near field communication;
determining whether the payment account type is supported;
when the payment account type is supported, switching a current payment channel into a payment channel corresponding to the payment account type;
and executing the step of obtaining the payment account information from the mobile terminal through the near field communication.
4. The method of claim 3, wherein the obtaining payment account type information from the mobile terminal via near field communication comprises:
and receiving the identification of the application program which the current active window of the mobile terminal belongs to, which is sent by the mobile terminal working in the point-to-point mode.
5. The method of claim 4, wherein the determining whether the payment account type is supported comprises:
and searching whether the identification exists in a stored identification list, wherein the identification list comprises the identification corresponding to the supported payment account type.
6. The method of any of claims , wherein after the sending the transaction message to a server, further comprising:
receiving a transaction processing result returned by the server;
and executing corresponding operation according to the transaction processing result.
A near field mobile payment device of , comprising:
the near field communication unit is used for acquiring payment account information, transaction amount and transaction password from the mobile terminal through near field communication;
the generating unit is used for generating a transaction message according to the payment account information, the transaction amount and the transaction password;
and the sending unit is used for sending the transaction message to a server.
8, kinds of reception terminals, characterized by comprising:
the near field communication unit is used for acquiring payment account information, transaction amount and transaction password from the mobile terminal through near field communication;
the sending unit is used for sending a transaction message generated according to the payment account information, the transaction amount and the transaction password to a server;
a memory and a processor, the near field communication unit, the transmitting unit, the memory and the processor being communicatively coupled to each other, the memory having stored therein computer instructions, the processor performing the method of any of claims 1-6 by executing the computer instructions.
9. The acceptance terminal of claim 8, wherein the acceptance terminal is a wearable terminal.
10, computer-readable storage medium, wherein the computer-readable storage medium stores computer instructions for causing the computer to perform the method of any of claims 1-6.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910949674.9A CN110738490A (en) | 2019-10-08 | 2019-10-08 | Near field mobile payment method, device, acceptance terminal and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910949674.9A CN110738490A (en) | 2019-10-08 | 2019-10-08 | Near field mobile payment method, device, acceptance terminal and storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110738490A true CN110738490A (en) | 2020-01-31 |
Family
ID=69268572
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910949674.9A Pending CN110738490A (en) | 2019-10-08 | 2019-10-08 | Near field mobile payment method, device, acceptance terminal and storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110738490A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112001719A (en) * | 2020-08-18 | 2020-11-27 | 中国建设银行股份有限公司 | Transaction control method, device, self-service banking machine and readable storage medium |
| CN112001720A (en) * | 2020-07-03 | 2020-11-27 | 拉卡拉支付股份有限公司 | mPOS machine and data processing method thereof |
| CN113837744A (en) * | 2020-06-24 | 2021-12-24 | 中国银联股份有限公司 | Transaction data processing method, transaction data processing system and terminal |
| CN113869074A (en) * | 2021-09-09 | 2021-12-31 | 维沃移动通信（杭州）有限公司 | Service code-based service processing method and device and electronic equipment |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101771754A (en) * | 2008-12-31 | 2010-07-07 | 北京联想软件有限公司 | Mobile terminal and method for near-field communication thereof |
| CN102855562A (en) * | 2012-09-11 | 2013-01-02 | 守望者科技（北京）有限公司 | NFC (near field communication) mobile terminal and payment method |
| CN106170926A (en) * | 2014-08-11 | 2016-11-30 | 华为技术有限公司 | The method of mobile payment, device and near-field communication equipment |
| CN106296175A (en) * | 2016-08-12 | 2017-01-04 | 中国银行股份有限公司 | Method of payment, merchant tenninal, bank transaction system, client terminal and system |
| WO2017185367A1 (en) * | 2016-04-29 | 2017-11-02 | 华为技术有限公司 | Method for selecting transaction application, and terminal |
-
2019
- 2019-10-08 CN CN201910949674.9A patent/CN110738490A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101771754A (en) * | 2008-12-31 | 2010-07-07 | 北京联想软件有限公司 | Mobile terminal and method for near-field communication thereof |
| CN102855562A (en) * | 2012-09-11 | 2013-01-02 | 守望者科技（北京）有限公司 | NFC (near field communication) mobile terminal and payment method |
| CN106170926A (en) * | 2014-08-11 | 2016-11-30 | 华为技术有限公司 | The method of mobile payment, device and near-field communication equipment |
| WO2017185367A1 (en) * | 2016-04-29 | 2017-11-02 | 华为技术有限公司 | Method for selecting transaction application, and terminal |
| CN106296175A (en) * | 2016-08-12 | 2017-01-04 | 中国银行股份有限公司 | Method of payment, merchant tenninal, bank transaction system, client terminal and system |
Non-Patent Citations (1)
| Title |
|---|
| 傅四保等: "移动商务应用实例", 《移动商务应用实例》 * |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113837744A (en) * | 2020-06-24 | 2021-12-24 | 中国银联股份有限公司 | Transaction data processing method, transaction data processing system and terminal |
| CN112001720A (en) * | 2020-07-03 | 2020-11-27 | 拉卡拉支付股份有限公司 | mPOS machine and data processing method thereof |
| CN112001720B (en) * | 2020-07-03 | 2024-03-26 | 拉卡拉支付股份有限公司 | mPOS machine and data processing method thereof |
| CN112001719A (en) * | 2020-08-18 | 2020-11-27 | 中国建设银行股份有限公司 | Transaction control method, device, self-service banking machine and readable storage medium |
| CN113869074A (en) * | 2021-09-09 | 2021-12-31 | 维沃移动通信（杭州）有限公司 | Service code-based service processing method and device and electronic equipment |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN110738490A (en) | Near field mobile payment method, device, acceptance terminal and storage medium | |
| US9361616B2 (en) | One-scan and one-touch payment and buying using haptic control via messaging and calling multimedia system on mobile and wearable device, currency token interface, point of sale device, and electronic payment card | |
| US20230045220A1 (en) | System and method for price matching through receipt capture | |
| US9552579B2 (en) | Near field communication activation and authorization | |
| US10043175B2 (en) | Enhanced near field communications attachment | |
| CN107851247B (en) | Methods, systems, and computer readable media for messaging, calling, one-touch payments via mobile and wearable devices | |
| US20180114260A1 (en) | System, method, apparatus and computer program product for interfacing a multi-card radio frequency (rf) device with a mobile communications device | |
| US9208505B1 (en) | Systems and methods for providing compensation, rebate, cashback, and reward for using mobile and wearable payment services | |
| US20080121687A1 (en) | Method and system for detecting an end of transaction for contactless transactions on a mobile device | |
| US9978054B2 (en) | Acceptance quality improvement using localization data to adjust contactless payment | |
| CN104348825A (en) | Mobile device and verification method for mobile payment system | |
| CN103400460B (en) | Mobile POS, the system and method for card business realizing | |
| US10885509B2 (en) | Bridge device for linking wireless protocols | |
| CA3019302C (en) | Selecting a transaction card for a transaction based on characteristics of the transaction | |
| US20190102775A1 (en) | Electronic wallet device | |
| JP2019519127A (en) | Combined reliable and unreliable data transmission | |
| TW201244399A (en) | Communication system providing near field communication (NFC) transaction features and related methods | |
| WO2018235098A1 (en) | Universal payment acceptance system | |
| WO2017101740A1 (en) | Hce-based payment method and device | |
| US10592896B2 (en) | Smart transaction card that facilitates use of transaction tokens of transaction cards | |
| EP2582062A1 (en) | System, method and readable media for mobile distribution and transaction applied in near field communication (nfc) service | |
| CA3050132C (en) | Enhanced near field communications attachment | |
| US20190197535A1 (en) | Flexible emv-compliant identification transaction method | |
| Sahana et al. | Design of secure SMART card reader and Wi-Fi interface for Point of Sale terminal | |
| CN117196614A (en) | POS (point of sale) device-based payment transaction method, POS device and storage medium |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20200131 |