CN111242608B - Payment method, terminal, server and system - Google Patents

Payment method, terminal, server and system Download PDF

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Publication number
CN111242608B
CN111242608B CN202010078735.1A CN202010078735A CN111242608B CN 111242608 B CN111242608 B CN 111242608B CN 202010078735 A CN202010078735 A CN 202010078735A CN 111242608 B CN111242608 B CN 111242608B
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China
Prior art keywords
payment
nfc
payment terminal
merchant
terminal
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CN202010078735.1A
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Chinese (zh)
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CN111242608A (en
Inventor
陈成钱
郭伟
周钰
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Priority to CN202010078735.1A priority Critical patent/CN111242608B/en
Publication of CN111242608A publication Critical patent/CN111242608A/en
Priority to PCT/CN2021/074862 priority patent/WO2021155785A1/en
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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
    • 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

Abstract

The invention provides a payment method, a terminal, a server and a system, wherein the payment method applied to a payment terminal with NFC function comprises the following steps: when at least two NFC tags are detected, determining a target NFC tag from the at least two NFC tags; acquiring a merchant registration place stored in a target NFC tag, and acquiring the current position of a payment terminal; and generating and initiating a payment request, wherein the payment request carries the merchant registry of the target NFC tag and the current position of the payment terminal. The payment method applied to the payment server comprises the following steps: receiving a payment request, wherein the payment request carries a target NFC tag and the current position of a payment terminal; comparing the registered place of the merchant carried by the target NFC tag with the current position of the payment terminal; and carrying out payment or refusing payment according to the comparison result. By using the method, the payment safety can be improved.

Description

Payment method, terminal, server and system
Technical Field
The invention belongs to the field of financial data processing, and particularly relates to a payment method, a terminal, a server and a system.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
Near field communication (Near Field Communication, NFC for short) is a short-range high-frequency wireless communication technology, evolved from RFID (Radio Frequency Identification ). NFC allows short-range contactless point-to-point data transfer between electronic devices.
Currently, many mobile terminals support NFC payment functions. For example, depending on the silver-linked tag payment technology, an NFC tag is embedded in a merchant acceptance tag, merchant information is stored in an NFC chip of the NFC tag, and payment for the merchant can be initiated by directly touching the tag with a cloud flash APP or a mobile phone of a specified model. The main principle is shown in fig. 1, wherein a mobile phone supporting an NFC function opens a "card reader mode", a small amount of electric energy is transferred by touching an NFC tag with the mobile phone, and then the NFC tag circuit is driven by using the small amount of electric energy, and data information stored in the NFC tag is transferred to the mobile phone, the mobile phone wakes up an installed payment application after reading the data stored in the NFC tag, and enters a payment interface to a merchant represented by the NFC tag, and payment is completed after an amount of money and a password are input.
However, the existing scheme cannot avoid the payment security problem after the NFC tag is maliciously covered by the lawbreaker using the NFC tag of the non-merchant. As shown in fig. 2, when a customer uses a mobile phone to make NFC payment after an NFC tag of a merchant is covered by an lawbreaker using an NFC tag of a non-self merchant, a situation that a plurality of NFC tags are located in a working field of one mobile phone occurs, and according to the prior art scheme, the mobile phone only reads merchant information (which is selected to be uncontrollable) in one of the NFC tags, so that a problem of payment security can be generated.
Disclosure of Invention
In order to solve the problems in the prior art, a payment method, a terminal, a server, a system and a computer readable storage medium are provided.
The present invention provides the following.
In a first aspect, a payment method is provided, applied to a payment terminal with NFC function, the method including: when at least two NFC tags are detected, determining a target NFC tag from the at least two NFC tags; acquiring a merchant registration place stored in a target NFC tag, and acquiring the current position of a payment terminal; and generating and initiating a payment request, wherein the payment request carries the merchant registry of the target NFC tag and the current position of the payment terminal.
In one possible implementation manner, the target NFC tag is determined from at least two NFC tags, and further includes: and determining a target NFC label by utilizing an anti-collision rule based on a radio frequency card protocol, and reading a merchant identifier and a merchant registration place stored by the target NFC label.
In one possible implementation manner, the target NFC tag is determined from at least two NFC tags, and further includes: reading merchant identifications and merchant registries stored by at least two NFC tags, and listing the merchant identifications of the at least two NFC tags in an interface of a payment terminal; and detecting touch operation on an interface of the payment terminal, and determining a target NFC label according to the detected touch operation.
In one possible implementation, in response to detecting the at least two NFC tags, establishing a contactless connection with each of the at least two NFC tags; after determining the target NFC tag, the contactless connection with the other NFC tags is broken.
In one possible embodiment, the method further comprises: a payment complete message or a refusal payment message is received, after which the contactless connection with the target NFC tag is broken.
In a possible embodiment, the payment request further comprises a tag conflict identification for indicating a conflict of the at least two NFC tags.
In one possible embodiment, the method further comprises: and receiving alarm information, and displaying the alarm information on an interface of the payment terminal, wherein the alarm information is used for indicating a plurality of NFC labels to collide.
In a second aspect, a payment method is provided, applied to a payment server, the method comprising: receiving a payment request, wherein the payment request carries a target NFC tag and the current position of a payment terminal; comparing the registered place of the merchant carried by the target NFC tag with the current position of the payment terminal; and carrying out payment or refusing payment according to the comparison result.
In one possible implementation, the payment request further includes a tag conflict identification, the method further comprising: and responding to the detected label conflict identification, and comparing the registered place of the merchant carried by the target NFC label with the current position of the payment terminal.
In one possible embodiment, the method further comprises: if the payment is carried out according to the comparison result, a payment completion message and/or an alarm message are sent to the payment terminal and/or the merchant terminal; and if the payment is refused according to the comparison result, sending a refused payment message and/or alarm information to the payment terminal, wherein the alarm information is used for indicating a plurality of NFC labels to collide.
In a third aspect, a payment method is provided, which is characterized in that it is applied to a payment system composed of at least one payment terminal with NFC function and a payment server, and the method includes: executing, by a payment terminal, the payment method as in the first aspect; is used by a payment server to perform the payment method as in the second aspect.
In a fourth aspect, a payment terminal is provided, the payment terminal having an NFC module, further including: a payment application module configured to: when at least two NFC tags are detected through the NFC module, determining a target NFC tag from the at least two NFC tags; acquiring a merchant registration place stored in a target NFC tag through an NFC module, and acquiring the current position of a payment terminal; and generating and initiating a payment request, wherein the payment request carries the merchant registry of the target NFC tag and the current position of the payment terminal.
In one possible implementation, the NFC module is further configured to: and determining a target NFC label by utilizing an anti-collision rule based on a radio frequency card protocol, and reading a merchant identifier and a merchant registration place stored by the target NFC label.
In one possible implementation, the payment application module is further configured to: reading merchant identifications and merchant registries stored by at least two NFC tags through an NFC module, and listing the merchant identifications of the at least two NFC tags in an interface of a payment terminal; and detecting touch operation on an interface of the payment terminal, and determining a target NFC label according to the detected touch operation.
In one possible implementation, the NFC module is further configured to: in response to detecting the at least two NFC tags, establishing a contactless connection with each of the at least two NFC tags; after determining the target NFC tag, the contactless connection with the other NFC tags is broken.
In one possible implementation, the payment application module is further configured to: receiving a payment completion message or a payment rejection message; the NFC module is also configured to: after receiving the payment completion message or the refusal payment message, the contactless connection with the target NFC tag is disconnected.
In a possible embodiment, the payment request further comprises a tag conflict identification for indicating a conflict of the at least two NFC tags.
In one possible implementation, the payment application module is further configured to: and receiving alarm information sent by the payment server, and displaying the alarm information on an interface of the payment terminal, wherein the alarm information is used for indicating the conflict of at least two NFC labels.
In a fifth aspect, there is provided a payment server comprising: the receiving unit is used for receiving a payment request, wherein the payment request comprises a target NFC tag and the current position of the payment terminal; the comparison unit is used for comparing the merchant registration place carried by the target NFC tag with the current position of the payment terminal; and the payment unit is used for paying or rejecting payment according to the comparison result.
In a possible embodiment, the payment request further comprises a tag conflict identification, the comparing unit further being adapted to: and responding to the detected label conflict identification, and comparing the registered place of the merchant carried by the target NFC label with the current position of the payment terminal.
In a possible implementation manner, the device further comprises a transmitting unit, configured to: if the payment is carried out according to the comparison result, a payment completion message and/or an alarm message are sent to the payment terminal and/or the merchant terminal;
and if the payment is refused according to the comparison result, sending a refused payment message and/or alarm information to the payment terminal, wherein the alarm information is used for indicating a plurality of NFC labels to collide.
In a sixth aspect, a payment system is provided, comprising: at least one NFC enabled payment terminal and a payment server, wherein the payment terminal is adapted to perform the method as in the first aspect; the payment server is for performing the method as in the second aspect.
In a seventh aspect, there is provided a payment terminal comprising: at least one processor; and a memory communicatively coupled to the at least one processor; wherein the memory stores instructions executable by the at least one processor, the instructions being executable by the at least one processor to enable the at least one processor to perform: when at least two NFC tags are detected, determining a target NFC tag from the at least two NFC tags; acquiring a merchant registration place stored in a target NFC tag, and acquiring the current position of a payment terminal; and generating and initiating a payment request, wherein the payment request carries the merchant registry of the target NFC tag and the current position of the payment terminal.
In an eighth aspect, there is provided a payment server comprising: at least one processor; and a memory communicatively coupled to the at least one processor; wherein the memory stores instructions executable by the at least one processor, the instructions being executable by the at least one processor to enable the at least one processor to perform: receiving a payment request, wherein the payment request carries a target NFC tag and the current position of a payment terminal; comparing the registered place of the merchant carried by the target NFC tag with the current position of the payment terminal; and carrying out payment or refusing payment according to the comparison result.
In a ninth aspect, there is provided a computer readable storage medium storing a program which, when executed by a multi-core processor, causes the multi-core processor to perform a method as in the first or second aspect.
The above-mentioned at least one technical scheme that this application embodiment adopted can reach following beneficial effect: in the embodiment, the merchant registration place of the NFC tag and the current position of the payment terminal are added in the payment request generated and initiated by the payment terminal, so that the safety payment can be performed based on the merchant registration place of the NFC tag and the current position of the payment terminal, and the payment safety is improved.
It should be understood that the foregoing description is only an overview of the technical solutions of the present invention, so that the technical means of the present invention may be more clearly understood and implemented in accordance with the content of the specification. The following specific embodiments of the present invention are described in order to make the above and other objects, features and advantages of the present invention more comprehensible.
Drawings
The advantages and benefits described herein, as well as other advantages and benefits, will become apparent to those of ordinary skill in the art upon reading the following detailed description of the exemplary embodiments. The drawings are only for purposes of illustrating exemplary embodiments and are not to be construed as limiting the invention. Also, like reference numerals are used to designate like parts throughout the figures. In the drawings:
FIG. 1 is a schematic diagram of a payment transaction by an NFC tag;
fig. 2 is a schematic diagram of a scenario of multiple NFC tag collision in the prior art;
FIG. 3 is a flow chart of a payment method according to an embodiment of the invention;
FIG. 4 is a flow chart of a payment method according to another embodiment of the present invention;
FIG. 5 is a flow chart of a payment method according to yet another embodiment of the present invention;
FIG. 6 is a flow chart of a payment method according to yet another embodiment of the present invention;
fig. 7 is a schematic structural view of a payment terminal according to an embodiment of the present invention;
fig. 8 is a schematic diagram of a payment server according to an embodiment of the present invention;
fig. 9 is a schematic structural view of a payment terminal according to another embodiment of the present invention;
fig. 10 is a schematic diagram of a payment server according to another embodiment of the present invention.
In the drawings, the same or corresponding reference numerals indicate the same or corresponding parts.
Detailed Description
Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
In the present invention, it should be understood that terms such as "comprises" or "comprising," etc., are intended to indicate the presence of features, numbers, steps, acts, components, portions, or combinations thereof disclosed in the specification, and are not intended to exclude the possibility of the presence of one or more other features, numbers, steps, acts, components, portions, or combinations thereof.
In addition, it should be noted that, without conflict, the embodiments of the present invention and the features of the embodiments may be combined with each other. The invention will be described in detail below with reference to the drawings in connection with embodiments.
The embodiment of the invention provides a payment method, and the invention concept of the method is described below.
As shown in fig. 2, a payment terminal with NFC function generally performs transaction payment by approaching and touching NFC tags, and when a radio frequency coverage area of the payment terminal has a plurality of NFC tags, in order to further secure payment transaction security, an embodiment of the present invention provides a payment method, in which when the payment terminal detects at least two NFC tags, a target NFC tag is determined from the at least two NFC tags; acquiring the current positions of a target NFC tag and a payment terminal; the target NFC tag carries a merchant registration place; the payment terminal initiates a payment request to the payment server, the payment request carries the target NFC tag and the current position of the payment terminal, security detection can be performed by using the payment request, for example, transaction is allowed under the condition that the merchant registering place of the NFC tag is consistent with the current position of the payment terminal, and the transaction is refused under the condition that the merchant registering place of the NFC tag is inconsistent with the current position of the payment terminal, so that payment security is improved.
Those skilled in the art will appreciate that the application scenario depicted in fig. 2 is but one example in which embodiments of the present invention may be implemented. The application scope of the embodiments of the present invention is not limited in any way. Having described the basic principles of the present invention, various non-limiting embodiments of the invention are described in detail below.
Fig. 3 is a schematic flow chart of a payment method 300 according to an embodiment of the present application, where the method is used to generate a payment request and apply the payment request to a payment terminal with NFC functionality, where the payment terminal may be a smart phone, a tablet computer or other similar mobile smart terminal with NFC communication functionality, and a payment application supporting NFC payment functionality, such as a "cloud flash" application installed on the payment terminal, is installed, and a user may set the "cloud flash" application to be an application for NFC payment by default by the payment terminal, and set the "cloud flash" application to be automatically operated in response to detecting an NFC tag. For another example, the payment application may be an application preset by a mobile phone manufacturer or referred to as a system self-contained application, and can carry a card simulation application supporting NFC payment, such as a bank card, a bus card, etc., which is not particularly limited in this application. In the flow shown in fig. 3, from a device perspective, the execution subject may be one or more electronic devices; from the program perspective, the execution subject may be a program mounted on these electronic devices, accordingly.
As shown in fig. 3, the method 300 may include:
step S301: when at least two NFC tags are detected, determining a target NFC tag from the at least two NFC tags;
the NFC tag stores merchant information in advance, and the merchant information may include information such as < merchant UID, merchant name, merchant registry >, etc., where the merchant UID ensures the uniqueness of the NFC tag. When a payment terminal with NFC function approaches and touches a plurality of NFC tags, the NFC tags enter a radio frequency field of the payment terminal, the payment terminal sends a card calling command to the radio frequency field, and then all NFC tags in the radio frequency field are converted from an IDLE state (IDLE) to a READY state (READY), and the payment terminal detects at least two NFC tags.
In one possible implementation, to enable data transmission between the payment terminal and the NFC tag, the method 300 may further include: in response to detecting the at least two NFC tags, a contactless connection is established with each of the at least two NFC tags. The contactless connection is used for realizing contactless point-to-point data transmission between the payment device and the NFC tag.
When a plurality of NFC tags enter the radio frequency field of the payment terminal at the same time, the payment terminal needs to select a unique NFC tag from the detected NFC tags to perform read-write operation.
In one possible implementation, to simply determine the unique target NFC tag, a first scheme may be adopted: determining a target NFC label by using an anti-collision rule based on a radio frequency card protocol (ISO 14443), and reading a merchant identification and a merchant registration place of the target NFC label, wherein the merchant identification comprises a merchant UID and a merchant name. The anticollision rules based on the radio frequency card protocol (ISO 14443) mainly include: bit oriented anti-collision mechanism (ISO 14443 Type a use), slot oriented anti-collision mechanism (ISO 14443 Type b use). Specific implementations may refer to the prior art and are not described herein.
In one possible implementation, in order to make the determined target NFC tag coincide with the actual merchant, a second scheme may be adopted: sequentially reading merchant identifications and merchant registries stored by at least two NFC tags, wherein the merchant identifications can comprise merchant UIDs and merchant names, enumerating the merchant identifications of the at least two NFC tags in an interface of the payment terminal, and simultaneously notifying a user to select, for example, displaying on the interface that 'a plurality of NFC tag conflicts are detected, and one NFC tag needs to be selected'; and detecting touch operation on an interface of the payment terminal, and determining a target NFC tag according to the detected touch operation when a user selects a merchant identifier of one NFC tag on the interface of the payment terminal. In addition, in the existing radio frequency card protocol (ISO 14443), the reading of the NFC tag is limited to reading the merchant UID of the NFC tag, and in order to implement the above operation of reading the merchant name and the merchant registration place stored in the NFC tag, the existing radio frequency card protocol (ISO 14443) needs to be modified, for example, a set of interfaces are independently packaged for the payment terminal to be called, so that when the NFC tag performs data interaction with the payment terminal, the payment terminal needs to read information such as the merchant UID of the NFC tag, the merchant name, the merchant registration place, and the like. By adopting the embodiment, the target NFC label can be selected independently after the user communicates with the merchant, so that the condition of payment failure is avoided, the user experience is improved, and the merchant can be reminded of the current payment risk.
In one possible embodiment, the method further comprises: after determining the target NFC tag, the contactless connection with the other NFC tags is broken.
As shown in fig. 3, the method 300 may include:
step S302: acquiring a merchant registration place stored in a target NFC tag, and acquiring the current position of a payment terminal;
the method comprises the steps that information such as a merchant UID, a merchant name, a merchant registration place and the like stored in a target NFC label can be obtained through non-contact connection transmission established between a payment terminal and the target NFC label; the current location of the payment terminal may be obtained through the GPS location information of the payment terminal.
As shown in fig. 3, the method 300 may include:
step S303: and generating and sending a payment request, wherein the payment request carries the merchant registry of the target NFC tag and the current position of the payment terminal.
Wherein the receiver of the payment request may be a payment server communicatively connected to the payment terminal. The payment request is used for enabling the payment server to compare the merchant registration address of the target NFC tag with the current address of the payment terminal, and making or rejecting payment according to the comparison result.
Specifically, the registered location of the merchant stored in the NFC tag should have consistency with the actual location of the NFC tag, and the payment server performs payment when the registered location of the merchant carried by the target NFC tag is consistent with the current location of the payment terminal by using the short-range communication feature of NFC; in contrast, when the registered location of the merchant carried by the target NFC tag is inconsistent with the current position of the payment terminal, the payment server refuses the payment, and the payment safety is ensured.
In one possible embodiment, the generated and initiated payment request also contains a payment amount and/or a payment password. The method may further comprise: prior to step S303, an input payment amount and/or payment password is received. It should be appreciated that in some micropayment scenarios, additional entry of a payment password may not be required; in some quota payment scenarios, the payment amount may not need to be entered, which is not particularly limited in this application.
In a possible implementation manner, the generated and initiated payment request further includes a tag conflict identifier, where the tag conflict identifier is used to indicate that the tag conflict situation of the at least two NFC tags is detected, so that the payment server compares in response to the detection of the tag conflict identifier. By adopting the embodiment, the label conflict identifier is carried in the payment request to indicate the NFC label conflict condition, so when the payment server does not detect the label conflict identifier, only one NFC label is in the radio frequency range of the payment terminal, and the comparison operation is not required to be executed.
In one possible embodiment, the method further comprises: and receiving a payment completion message or a payment rejection message sent by the payment server, and then disconnecting the non-contact connection with the target NFC tag to complete one-time payment.
In one possible implementation manner, to prompt the payer that there is a payment risk, the method may further include: and receiving alarm information sent by the payment server, and displaying the alarm information on an interface of the payment terminal, wherein the alarm information is used for indicating a plurality of NFC labels to collide. For example, warning information such as "there are multiple NFC tags in conflict" or "the NFC tag may be covered" may be attached to the payment completion message or the payment rejection message, so as to remind the payer of paying attention to the payment security, and make the payer and the merchant know the reason of the payment failure, so as to make the correction as soon as possible.
In a possible implementation manner, the method shown in fig. 3 may be applied to a situation that the payment terminal is in an unlocked state, or may be applied to a situation that the payment terminal is in an unlocked state, such as a situation that the payment terminal locks or stops. When the method is applied to a screen locking or screen extinguishing scene, the method can also omit the step of unlocking the payment terminal by a user, further reduce user operation and realize quick payment.
According to the aspects of the payment method provided by the embodiment of the application, the merchant registering place is added into the NFC tag, and the payment request generated and initiated by the payment terminal carries the merchant registering place of the NFC tag and the current position of the payment terminal, so that safety detection can be performed by using the payment request, for example, transaction is allowed under the condition that the merchant registering place of the NFC tag is consistent with the current position of the payment terminal, and the transaction is refused under the condition that the merchant registering place of the NFC tag is inconsistent with the current position of the payment terminal, so that the payment safety is improved.
Fig. 4 is a flowchart of a payment method 400 according to an embodiment of the present application, where the payment method 400 is used for making a payment according to a payment request and is applied to a payment server.
As shown in fig. 4, the method 400 includes:
step S401: receiving a payment request, wherein the payment request carries a target NFC tag and the current position of a payment terminal; wherein, the sending of the payment request can be the payment terminal.
Step S402: comparing the registered place of the merchant carried by the target NFC tag with the current position of the payment terminal;
step S403: and carrying out payment or refusing payment according to the comparison result.
Specifically, the registered location of the merchant stored in the NFC tag should have consistency with the actual location of the NFC tag, and the payment server performs payment when the registered location of the merchant carried by the target NFC tag is consistent with the current location of the payment terminal by using the short-range communication feature of NFC; in contrast, when the registered place of the merchant carried by the target NFC label is inconsistent with the current position of the payment terminal, the payment server refuses the payment, so that the payment safety is ensured.
In one possible embodiment, the payment request may also include a payment amount and/or a payment password. Whereby the payment server, upon receipt of the payment request, conducts a transaction in accordance with the payment amount and/or verifies in accordance with the payment password. It should be appreciated that in some micropayment scenarios, additional verification of the payment password may not be required; in some quota payment scenarios, transactions may also be performed according to a preset payment amount without carrying the payment amount in the payment request, which is not particularly limited in this application.
In one possible implementation, the payment request further includes a tag conflict identifier, so that after receiving the payment request, the payment server compares, in response to detecting the tag conflict identifier, the current location of the payment terminal with the merchant registry carried by the target NFC tag.
In one possible implementation manner, in order to prompt the payer and the merchant that there is a payment risk, if the payment server makes a payment according to the comparison result, after the payment is completed, a payment completion message and/or an alarm message is sent to the payment terminal and/or the merchant terminal, for example, if the payment completion message is attached with "the NFC tag may be maliciously covered," please check and remove as soon as possible-! And the warning information used for indicating the conflict of a plurality of NFC labels is used for indicating, so that merchants can timely obtain effective problem reminding, the payment using experience is further improved, the payment risk problem is accurately positioned, and the payment safety is further guaranteed. If the payment server refuses the payment according to the comparison result, sending a refusing payment message and/or warning information to the payment terminal, for example, warning information for indicating that a plurality of NFC labels conflict, such as 'a plurality of NFC labels conflict exist', 'the NFC labels are possibly covered', and the like can be attached to the refusing payment message, so that a payer is reminded of paying attention to the payment safety, and simultaneously, the payer and a merchant can accurately position the payment risk, so that correction can be made as soon as possible.
The embodiment of the invention also provides a payment method which is applied to a payment system consisting of at least one payment terminal with NFC function and a payment server, and comprises the following steps: executing, by the payment terminal, the payment method shown in fig. 3; the payment method shown in fig. 4 is performed by the payment server.
Fig. 5 is a flowchart of a payment method 500 according to an embodiment of the present application, applied to a payment system composed of at least one NFC-enabled payment terminal, a payment server, and a merchant terminal.
As shown in fig. 5, in step S501, the payment terminal taps the NFC tag, and detects a plurality of NFC tags; in step S502, the payment terminal establishes a contactless connection with the detected plurality of NFC tags; in step S503, the payment terminal reads the merchant UID, the merchant name, and the merchant registry of the plurality of NFC tags; in step S504, enumerating the merchant identifications of the detected plurality of NFC tags in an interface of the payment terminal; in step S505, a touch operation on the interface of the payment terminal is detected, and when the user selects a merchant identifier of a certain NFC tag on the interface of the payment terminal, the NFC tag selected by the user is determined as the target NFC tag according to the detected touch operation. In step S506, disconnecting the contactless connection between the payment terminal and the other NFC tag; in step S507, the current location of the payment terminal is obtained, and (optionally) the input payment amount and/or payment password is obtained; in step S508, the payment terminal initiates a payment request to the payment server, where the payment request carries a tag conflict identifier, a merchant UID, a merchant name and a merchant registration place of the target NFC tag, and information such as (optionally) a payment amount and/or a payment password of the current location of the payment terminal; in step S509, the payment server receives the payment request and compares the current location of the payment terminal with the merchant registry of the target NFC tag; after step S509, in step S510a, the payment server makes a payment in the case that the above-mentioned comparisons are identical; after the payment is completed, the payment server transmits a transaction completion message to the payment terminal, and may also transmit alert information to the payment terminal in step S511 a; after the payment is completed, the payment server transmits alert information to the merchant terminal in step S512. Or, after step S509, in step S510b, the payment server refuses the payment in case of inconsistent contrast; after rejecting the payment, the payment server sends a reject transaction message to the payment terminal and may also send an alert message to the payment terminal in step S511 b. In step S513 after step S511a or step S511b, after the payment terminal receives the transaction completion message or refuses the transaction message, disconnecting the contactless connection with the target NFC tag; optionally, after step S512, the merchant terminal performs a self-check after receiving the alert information in step S514.
Fig. 6 is a flowchart of a payment method according to another embodiment of the present invention, which is applied to a payment system composed of at least one payment terminal having an NFC function, a payment server, and a merchant terminal.
As shown in fig. 6, in step S601, the payment terminal taps the NFC tag, and detects a plurality of NFC tags; in step S602, the payment terminal establishes a contactless connection with the detected plurality of NFC tags; in step S603, the payment terminal performs anti-collision processing based on an anti-collision rule of the radio frequency card protocol, selects one of the NFC tags as a target NFC tag, and reads information such as a merchant UID, a merchant name, a merchant registration place and the like stored in the target NFC tag; in step S604, disconnecting the contactless connection between the payment terminal and the other NFC tag; in step S605, the current location of the payment terminal is acquired, and (optionally) the input payment amount and/or payment password is acquired; in step S606, the payment terminal initiates a payment request to the payment server, where the payment request carries information such as a tag conflict identifier, a merchant UID of the target NFC tag, a merchant name and a merchant registration place, a current location of the payment terminal, and optionally a payment amount and/or a payment password. In step S607, the payment server receives the payment request, and compares the current location of the payment terminal with the merchant registration location carried by the target NFC tag; in step S608a after step S607, the payment server makes a payment if the above-mentioned comparisons agree; after the payment is completed, in step S609a, the payment server sends a transaction completion message to the payment terminal, and may also send alert information to the payment terminal; after the payment is completed, the payment server transmits alert information to the merchant terminal in step S610. Or, after step S607, in step S608b, the payment server refuses the payment if the above-mentioned comparison is inconsistent; after rejecting the payment, the payment server sends a reject transaction message to the payment terminal, and may also send an alert message to the payment terminal in step S609 b. After step S609a or step S609b, in step S611, the payment terminal disconnects the contactless connection with the target NFC tag after receiving the transaction completion message or the rejection transaction message. Optionally, after step S610, the merchant terminal performs a self-check after receiving the alert information in step S612.
Based on the same technical conception, the embodiment of the invention also provides a payment terminal. Fig. 7 is a schematic structural diagram of a payment terminal according to an embodiment of the present invention.
The payment terminal 70 has an NFC module 71 and a payment application module 72, wherein the payment application module 72 is configured to: when at least two NFC tags are detected by the NFC module 71, determining a target NFC tag from the at least two NFC tags; acquiring a merchant registration place stored in a target NFC tag through an NFC module 71, and acquiring the current position of a payment terminal; and generating and initiating a payment request, wherein the payment request carries the merchant registry of the target NFC tag and the current position of the payment terminal.
In one possible implementation, NFC module 71 is further to: and determining a target NFC label by utilizing an anti-collision rule based on a radio frequency card protocol, and reading a merchant identifier and a merchant registration place stored by the target NFC label.
In one possible implementation, the payment application module 72 is further configured to: reading merchant identifications and merchant registries stored by at least two NFC tags through the NFC module 71, and listing the merchant identifications of the at least two NFC tags in an interface of the payment terminal; and detecting touch operation on an interface of the payment terminal, and determining a target NFC label according to the detected touch operation.
In one possible implementation, NFC module 71 is further to: in response to detecting the at least two NFC tags, establishing a contactless connection with each of the at least two NFC tags; after determining the target NFC tag, the contactless connection with the other NFC tags is broken.
In one possible implementation, the payment application module 72 is further configured to: receiving a payment completion message or a payment rejection message; NFC module 71 is also for: after receiving the payment completion message or the refusal payment message, the contactless connection with the target NFC tag is disconnected.
In a possible embodiment, the payment request further comprises a tag conflict identification for indicating a conflict of the at least two NFC tags.
In one possible implementation, the payment application module 72 is further configured to: and receiving alarm information, and displaying the alarm information on an interface of the payment terminal, wherein the alarm information is used for indicating a plurality of NFC labels to collide.
Based on the same technical conception, the embodiment of the invention also provides a payment server. Fig. 8 is a schematic structural diagram of a payment server according to an embodiment of the present invention.
As shown in fig. 8, the payment server 80 includes: a receiving unit 801, configured to receive a payment request, where the payment request includes a target NFC tag and a current location of a payment terminal; a comparing unit 802, configured to compare the current location of the payment terminal with the merchant registration location carried by the target NFC tag; and a payment unit 803 which makes payment or refuses payment according to the comparison result.
In a possible implementation, the payment request further comprises a tag conflict identification, and the comparing unit 802 is further configured to: and responding to the detected label conflict identification, and comparing the registered place of the merchant carried by the target NFC label with the current position of the payment terminal.
In a possible implementation manner, the device further comprises a transmitting unit, configured to: if the payment is carried out according to the comparison result, a payment completion message and/or an alarm message are sent to the payment terminal and/or the merchant terminal; and if the payment is refused according to the comparison result, sending a refused payment message and/or alarm information to the payment terminal, wherein the alarm information is used for indicating a plurality of NFC labels to collide.
Based on the same technical conception, the embodiment of the invention also provides a payment system.
The payment system includes: at least one payment terminal having NFC functionality and a payment server, wherein the payment terminal is configured to perform the method as shown in fig. 3; the payment server is used to perform the method as shown in fig. 4.
In one possible implementation, the payment system further includes a merchant terminal.
Fig. 9 is a diagram of a payment terminal for executing the payment method shown in fig. 3 according to an embodiment of the present application, the apparatus including: at least one processor; and a memory communicatively coupled to the at least one processor; wherein the memory stores instructions executable by the at least one processor, the instructions being executable by the at least one processor to enable the at least one processor to perform:
When at least two NFC tags are detected, determining a target NFC tag from the at least two NFC tags; acquiring a merchant registration place stored in a target NFC tag, and acquiring the current position of a payment terminal; and generating and initiating a payment request, wherein the payment request carries the merchant registry of the target NFC tag and the current position of the payment terminal. Fig. 10 is a diagram of a payment server for executing the payment method shown in fig. 4 according to an embodiment of the present application, the apparatus including: at least one processor; and a memory communicatively coupled to the at least one processor; wherein the memory stores instructions executable by the at least one processor, the instructions being executable by the at least one processor to enable the at least one processor to perform:
receiving a payment request, wherein the payment request carries a target NFC tag and the current position of a payment terminal; comparing the registered place of the merchant carried by the target NFC tag with the current position of the payment terminal; and carrying out payment or refusing payment according to the comparison result.
According to some embodiments of the present application, there is provided a non-volatile computer storage medium of a payment method having stored thereon computer executable instructions arranged, when executed by a processor, to perform the payment method shown in fig. 3 or the payment method shown in fig. 4.
All embodiments in the application are described in a progressive manner, and identical and similar parts of all embodiments are mutually referred, so that each embodiment mainly describes differences from other embodiments. In particular, for apparatus, devices and computer readable storage medium embodiments, the description thereof is simplified as it is substantially similar to the method embodiments, as relevant points may be found in part in the description of the method embodiments.
The apparatus, the device, and the computer readable storage medium provided in the embodiments of the present application are in one-to-one correspondence with the methods, so that the apparatus, the device, and the computer readable storage medium also have similar beneficial technical effects as the corresponding methods, and since the beneficial technical effects of the methods have been described in detail above, the beneficial technical effects of the apparatus, the device, and the computer readable storage medium are not repeated herein.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.
Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Furthermore, although the operations of the methods of the present invention are depicted in the drawings in a particular order, this is not required to either imply that the operations must be performed in that particular order or that all of the illustrated operations be performed to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step to perform, and/or one step decomposed into multiple steps to perform.
While the spirit and principles of the present invention have been described with reference to several particular embodiments, it is to be understood that the invention is not limited to the disclosed embodiments nor does it imply that features of the various aspects are not useful in combination, nor are they useful in any combination, such as for convenience of description. The invention is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.

Claims (22)

1. A payment method, characterized in that it is applied to a payment terminal having an NFC function, the method comprising:
when at least two NFC tags are detected, determining a target NFC tag from the at least two NFC tags;
acquiring a merchant registration place stored in the target NFC tag, and acquiring the current position of a payment terminal, wherein the payment terminal reads the merchant registration place when the target NFC tag and the payment terminal perform data interaction by modifying a radio frequency card protocol;
and generating and sending a payment request, wherein the payment request carries the merchant registry of the target NFC tag and the current position of the payment terminal.
2. The method of claim 1, wherein determining a target NFC tag from the at least two NFC tags, further comprises:
And determining the target NFC label by using an anti-collision rule based on a radio frequency card protocol, and reading the merchant identification and the merchant registration place stored by the target NFC label.
3. The method of claim 1, wherein determining a target NFC tag from the at least two NFC tags, further comprises:
reading merchant identifications and merchant registries stored by the at least two NFC tags, and listing the merchant identifications of the at least two NFC tags in an interface of the payment terminal;
and detecting touch operation on an interface of the payment terminal, and determining the target NFC tag according to the detected touch operation.
4. The method according to claim 1, wherein the method further comprises:
in response to detecting the at least two NFC tags, establishing a contactless connection with each of the at least two NFC tags;
after the target NFC tag is determined, the contactless connection with the other NFC tag is broken.
5. The method as recited in claim 4, further comprising:
a payment complete message or a refusal payment message is received, after which the contactless connection with the target NFC tag is broken.
6. The method of claim 1, wherein the payment request further comprises a tag collision identifier indicating a collision of the at least two NFC tags.
7. The method as recited in claim 1, further comprising:
and receiving alarm information, and displaying the alarm information on an interface of the payment terminal, wherein the alarm information is used for indicating the conflict of the at least two NFC labels.
8. A payment method, applied to a payment server, the method comprising:
receiving a payment request, wherein the payment request carries a target NFC tag and the current position of a payment terminal;
comparing the merchant registration place carried by the target NFC tag with the current position of the payment terminal, wherein the payment terminal reads the merchant registration place when the target NFC tag and the payment terminal perform data interaction by modifying a radio frequency card protocol;
and carrying out payment or refusing payment according to the comparison result.
9. The method of claim 8, wherein the payment request further comprises a tag conflict identification, the method further comprising:
and responding to the detection of the label conflict identification, and comparing the registered place of the merchant carried by the target NFC label with the current position of the payment terminal.
10. The method as recited in claim 8, further comprising:
if payment is carried out according to the comparison result, a payment completion message and/or an alarm message is sent to the payment terminal and/or the merchant terminal;
and if payment is refused according to the comparison result, sending a refused payment message and/or alarm information to the payment terminal, wherein the alarm information is used for indicating a plurality of NFC labels to collide.
11. A payment method, characterized in that it is applied to a payment system consisting of at least one payment terminal with NFC functionality and a payment server, said method comprising:
executing, by the payment terminal, the payment method of any one of claims 1-7;
for use by the payment server in performing the payment method of any of claims 8-10.
12. A payment terminal, characterized in that the payment terminal has an NFC module, further comprising:
a payment application module configured to:
when at least two NFC tags are detected through the NFC module, determining a target NFC tag from the at least two NFC tags;
acquiring a merchant registration place stored in the target NFC tag through an NFC module and acquiring the current position of a payment terminal, wherein the payment terminal reads the merchant registration place when the target NFC tag and the payment terminal perform data interaction through modifying a radio frequency card protocol;
And generating and sending a payment request, wherein the payment request carries the merchant registry of the target NFC tag and the current position of the payment terminal.
13. The payment terminal of claim 12, wherein the payment terminal is configured to,
the NFC module is further configured to:
and determining the target NFC label by using an anti-collision rule based on a radio frequency card protocol, and reading the merchant identification and the merchant registration place stored by the target NFC label.
14. The payment terminal of claim 12, wherein the payment terminal is configured to,
the payment application module is further configured to:
reading merchant identifications and merchant registries stored by the at least two NFC tags through the NFC module, and listing the merchant identifications of the at least two NFC tags in an interface of the payment terminal;
and detecting touch operation on an interface of the payment terminal, and determining the target NFC tag according to the detected touch operation.
15. The payment terminal of claim 12, wherein the payment terminal is configured to,
the NFC module is further configured to:
in response to detecting the at least two NFC tags, establishing a contactless connection with each of the at least two NFC tags;
after the target NFC tag is determined, the contactless connection with the other NFC tag is broken.
16. The payment terminal of claim 15, wherein the payment terminal is configured to,
the payment application module is further configured to: receiving a payment completion message or a payment rejection message;
the NFC module is further configured to: after receiving the payment complete message or refusing the payment message, disconnecting the contactless connection with the target NFC tag.
17. The payment terminal of claim 12, wherein the payment request further comprises a tag conflict identification for indicating a conflict of the at least two NFC tags.
18. The payment terminal of claim 12, wherein the payment terminal is configured to,
the payment application module is further configured to:
and receiving alarm information, and displaying the alarm information on an interface of the payment terminal, wherein the alarm information is used for indicating the conflict of the at least two NFC labels.
19. A payment server, comprising:
the receiving unit is used for receiving a payment request, wherein the payment request comprises a target NFC tag and the current position of the payment terminal;
the comparison unit is used for comparing the merchant registration place carried by the target NFC tag with the current position of the payment terminal, wherein the payment terminal reads the merchant registration place when the target NFC tag and the payment terminal perform data interaction by modifying a radio frequency card protocol;
And the payment unit is used for paying or rejecting payment according to the comparison result.
20. The payment server of claim 19, wherein the payment request further includes a tag conflict identification, the comparison unit further configured to:
and responding to the detection of the label conflict identification, and comparing the registered place of the merchant carried by the target NFC label with the current position of the payment terminal.
21. The payment server of claim 19, further comprising a transmitting unit configured to:
if payment is carried out according to the comparison result, a payment completion message and/or an alarm message is sent to the payment terminal and/or the merchant terminal;
and if payment is refused according to the comparison result, sending a refused payment message and/or alarm information to the payment terminal, wherein the alarm information is used for indicating a plurality of NFC labels to collide.
22. A payment system, comprising: at least one NFC enabled payment terminal and a payment server, wherein the payment terminal is adapted to perform the method of any of claims 1-7; the payment server is adapted to perform the method of any of claims 8-10.
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