JP7394990B2 - Payment methods, payment terminals, cloud subsystems, cloud servers and systems - Google Patents

Description

Cross-citation of related applications This application claims priority to Chinese Patent Application No. 202010099412.0 entitled "Payment Method, Payment Terminal, Cloud Subsystem, Cloud Server and System" filed on February 18, 2020 and the entire contents of that application are incorporated herein by reference.

The present application belongs to the field of data processing, and in particular relates to payment methods, payment terminals, cloud subsystems, cloud servers and systems.

In recent years, with the development of electronic technology, contactless communication technology has been applied to more and more fields. For example, in the payment field, payments can be made using contactless communication technology. In order to perform transactions using contactless technology, it is necessary to add a contactless communication functionality module to a payment terminal, such as a POS device (or sales terminal). By adding a contactless communication function module, the structure of the payment terminal itself becomes more complex, increasing the cost of the payment terminal, and the number of payment terminals used is very large, so the system to support contactless payment process Significantly increases overall cost.

Embodiments of the present application provide payment methods, payment terminals, cloud subsystems, cloud servers, and systems that can reduce the overall cost of systems that support contactless payment processes.

In a first aspect, an embodiment of the present application is a payment method applied to a payment terminal, comprising:
upon sensing the contactless module of the user equipment, transmitting a contactless payment request command to the second cloud subsystem via the first cloud subsystem;
interacting a contactless payment application with a second cloud subsystem via the first cloud subsystem to obtain a payment element;
transmitting payment factor information to the user equipment via the contactless module;
receiving the payment cryptogram transmitted by the user equipment via the contactless module; transmitting the payment cryptogram to the second cloud subsystem via the first cloud subsystem; the payment cryptogram includes payment element information; be generated based on;
A second cloud subsystem receives payment result information transmitted via a first cloud subsystem.

In a second aspect, embodiments of the present application provide a payment method applied to a second cloud subsystem, the payment method comprising:
responsive to a contactless payment request command transmitted by the payment terminal via the first cloud subsystem, interacting the payment terminal with the contactless payment application via the first cloud subsystem to obtain payment element information; to do and
transmitting payment element information to a payment terminal via the first cloud subsystem;
receiving payment cryptograms transmitted by the payment terminal via the first cloud subsystem, the payment cryptograms generated based on the payment element information;
the first cloud subsystem receiving payment information obtained based on the payment cryptogram and transmitting the payment information to a payment processing system;
A payment method is provided that includes obtaining payment result information fed back from a payment processing system and transmitting at least some of the payment result information to a payment terminal via a first cloud subsystem.

In a third aspect, embodiments of the present application provide a payment method applied to a first cloud subsystem, comprising:
receiving a contactless payment request instruction sent from a payment terminal and transmitting the contactless payment request instruction to a second cloud subsystem;
interacting a contactless payment application between the payment terminal and the second cloud subsystem and transmitting the payment element sent from the second cloud subsystem to the payment terminal;
receiving the payment cryptogram transmitted from the payment terminal and transmitting the payment cryptogram to the second cloud subsystem, the payment cryptogram being generated based on the payment element information;
obtaining payment information matching the payment cryptogram based on the payment cryptogram and transmitting the payment information to a second cloud subsystem;
A payment method is provided that includes receiving payment result information transmitted from a second cloud subsystem and transmitting at least some of the payment result information to a payment terminal.

In a fourth aspect, embodiments of the present application include sensing a contactless module of a user equipment and transmitting payment factor information obtained by interaction of a contactless payment application to the user equipment via the contactless module. and a contactless communication module used to receive the payment cryptogram transmitted by the user equipment via the contactless module and generated based on the payment element information.
when the contactless communication module senses the contactless module of the user equipment, transmitting a contactless payment request instruction to the second cloud subsystem via the first cloud subsystem; interacting the contactless payment application with the second cloud subsystem through the first cloud subsystem; and transmitting the payment cryptogram to the second cloud subsystem through the first cloud subsystem; a network communication module used to receive payment result information transmitted via the first cloud subsystem.

In a fifth aspect, embodiments of the present application include:
interacting the payment terminal with the contactless payment application via the first cloud subsystem in response to a contactless payment request command transmitted by the payment terminal via the first cloud subsystem; and payment element information. a payment cryptogram transmitted by the payment terminal via the first cloud subsystem to the payment terminal via the first cloud subsystem, and a payment cryptogram generated based on the payment element information. receiving the payment information obtained by the first cloud subsystem based on the payment cryptogram; and transmitting the payment information to a payment processing system; and payment result information fed back from the payment processing system. and transmitting at least some payment result information to a payment terminal via the first cloud subsystem;
and a processing module for obtaining payment element information through an interactive contactless payment application.

In a sixth aspect, embodiments of the present application include:
receiving a contactless payment request instruction sent from a payment terminal, transmitting the contactless payment request instruction to a second cloud subsystem, and interacting the contactless payment application with the payment terminal and the second cloud subsystem; transmitting the payment element transmitted from the second cloud subsystem to the payment terminal, receiving the payment cryptogram transmitted from the payment terminal, and transmitting the payment cryptogram to the second cloud subsystem. , the payment cryptogram is generated based on the payment element information; transmitting the payment information to the second cloud subsystem; and receiving the payment result information transmitted from the second cloud subsystem; a network communication module used to transmit some payment result information to a payment terminal;
A processing module for obtaining payment information matching the payment cryptogram based on the payment cryptogram.

In a seventh aspect, embodiments of the present application include:
a payment terminal, a first cloud subsystem, and a second cloud subsystem;
The payment terminal is used to implement the payment method in the technical proposal of the first aspect,
the second cloud subsystem is used to implement the payment method in the technical proposal of the second aspect;
The first cloud subsystem provides a payment system used to implement the payment method in the technical proposal of the third aspect.

In an eighth aspect, embodiments of the present application include a processor, a storage device, and a computer program stored in the storage device and executable on the processor, the computer program, when executed by the processor, using the techniques of the first aspect. We provide payment terminals that implement the proposed payment method.

In a ninth aspect, embodiments of the present application include a processor, a storage device, and a computer program stored in the storage device and executable on the processor, the computer program, when executed by the processor, according to the techniques of the second aspect. The present invention provides a cloud server that implements the payment method according to the proposal or the payment method according to the third aspect of the technical proposal.

In a tenth aspect, embodiments of the present application include:
A computer-readable storage medium storing a computer program which, when executed by a processor, implements the payment method in the technical proposal of the first aspect, the technical proposal of the second aspect or the technical proposal of the third aspect. providing.

Embodiments of the present application provide a payment method, a payment terminal, a cloud subsystem, a cloud server, and a system in which no contactless payment application interaction of user equipment occurs between the user equipment and the payment terminal, and payment The second cloud subsystem is connected via the terminal and the first cloud subsystem. There is no need to install a functional module in the user equipment that realizes the interaction of the contactless payment application between the user equipment and the payment terminal, and the user equipment has a functional module with a contactless communication function and a functional module with a network communication function. Just include the module. If the user equipment has a contactless communication function, the structure of the payment terminal can be simplified and the cost of the payment terminal can be reduced, thereby reducing the cost of the entire system supporting the contactless payment process.

Hereinafter, the present application can be better understood from the description of specific embodiments of the present application with reference to the drawings. Here, identical or similar reference symbols indicate identical or similar features.

1 is a schematic configuration diagram of an example of a payment system provided by an embodiment of the present application. 1 is a flowchart of one embodiment of a payment method applied to a payment terminal provided by the present application. 3 is a flowchart of another embodiment of a payment method applied to a payment terminal provided by the present application; 3 is a flowchart of yet another embodiment of a payment method applied to a payment terminal provided by the present application. 1 is a schematic diagram of an example of a slice network between a payment terminal, a first cloud subsystem, and a second cloud subsystem provided by an embodiment of the present application; FIG. 1 is a flowchart of one embodiment of a payment method applied to a first cloud subsystem provided by the present application; 3 is a flowchart of another embodiment of a payment method applied to the first cloud subsystem provided by the present application; 3 is a flowchart of yet another embodiment of a payment method applied to the first cloud subsystem provided by the present application; 3 is a flowchart of one embodiment of a payment method applied to a second cloud subsystem provided by the present application. 3 is a flowchart of another embodiment of a payment method applied to the second cloud subsystem provided by the present application; 1 is a flowchart of an example of a payment method applied to a payment system provided by an embodiment of the present application. 1 is a structural schematic diagram of an embodiment of a payment terminal provided by the present application; FIG. FIG. 3 is a structural schematic diagram of another embodiment of the payment terminal provided by the present application; 1 is a structural schematic diagram of an embodiment of a first cloud subsystem provided by the present application; FIG. FIG. 2 is a structural schematic diagram of an embodiment of a second cloud subsystem provided by the present application. 1 is a hardware structure schematic diagram of an embodiment of a payment terminal provided by the present application; FIG.

Features and exemplary embodiments of each aspect of the present application are described in detail below. In the detailed description that follows, numerous specific details are set forth in order to provide a thorough understanding of the present application. However, as will be apparent to those skilled in the art, the present application may be practiced without the need for some of these specific details. The following description of the embodiments is for the purpose of providing a better understanding of the present application by merely illustrating embodiments of the present application. This application is not limited to any particular configurations and algorithms presented below, but covers any modifications, substitutions, and improvements in elements, members, and algorithms without departing from the spirit of the application. In the drawings and the following description, well-known structures and techniques are not shown in order to avoid unnecessary obscurity in the specification.

Embodiments of the present application provide a payment method, a payment terminal, a cloud subsystem, a cloud server, and a system applied to the contactless payment scene. Here, contactless payment is a means of making payment using contactless communication technology. For example, contactless communication technology may specifically include, but is not limited to, near field communication (NFC) technology.

A payment method in an embodiment of the present application relates to a payment terminal, a first cloud subsystem, and a second cloud subsystem. For example, FIG. 1 is a schematic diagram of an example of a payment system provided by an embodiment of the present application. As shown in FIG. 1, the payment system includes a payment terminal 100, a first cloud subsystem 200, and a second cloud subsystem 300. Here, payment terminal 100 communicates with user equipment, payment terminal 100 communicates with first cloud subsystem 200, and first cloud subsystem 200 communicates with second cloud subsystem 300. That is, the payment terminal 100 communicates with the second cloud subsystem 300 via the first cloud subsystem 200. Payment terminal 100 retains basic contactless and network communication capabilities. Payment application interactive functions for user equipment are not performed by the payment terminal 100, but by the second cloud subsystem 300. In some examples, payment terminal 100 includes a payment device such as, but not limited to, a POS device that does not carry a card reading module and may include an NFC module and a network communication module. . The first cloud subsystem 200 may include, but is not limited to, at least one cloud server and other ancillary equipment. The first cloud subsystem 200 may specifically be an acquirer's cloud subsystem. The second cloud subsystem 300 may include, but is not limited to, at least one cloud server and other ancillary equipment. Specifically, the second cloud subsystem 300 may be a service-side cloud subsystem. Specifically, the user equipment can include a smart card, an IC card, a device with a contactless communication function, such as a cash card, a device card, a mobile phone with an NFC payment function, a smart wristband, etc. Not limited to those.

Embodiments of the present application provide a payment method applied to a payment terminal. FIG. 2 is a flowchart of one embodiment of a payment method applied to a payment terminal provided by the present application. As shown in FIG. 2, the payment method may include steps S401 to S405.

In step S401, upon sensing the contactless module of the user equipment, it sends a contactless payment request command to the second cloud subsystem via the first cloud subsystem.

In a payment scene, when a user uses a user equipment to make a contactless payment, the user equipment needs to be brought close to the payment terminal. A contactless module is installed in the user equipment. The payment terminal is equipped with a contactless communication module. When the user equipment approaches the payment terminal, the contactless communication module at the payment terminal can sense the contactless module at the user equipment, and the payment terminal connects to the second cloud subsystem via the first cloud subsystem. is triggered to send a contactless payment request directive to. A contactless payment request command is used to indicate a request to initiate a contactless payment.

Here, the payment terminal transmits the contactless payment request command to the second cloud subsystem via the first cloud subsystem, the payment terminal transmits the contactless payment request command to the first cloud subsystem. and further transmitting the contactless payment request instruction by the first cloud subsystem to the second cloud subsystem.

In step S402, a payment element is obtained by interacting a contactless payment application with a second cloud subsystem via the first cloud subsystem.

The payment terminal and the second cloud subsystem perform a contactless payment application interaction, and the purpose of the contactless payment application interaction is to obtain payment elements required for the application in the payment terminal used for contactless payment. . In some examples, the payment element may be, but is not limited to, an element specifically required in a Processing Options Data Object List (PDOL).

A contactless payment application interactive is a process, and in the contactless payment user interaction process, the payment terminal and the second cloud subsystem, through the first cloud subsystem, multiple device interactive commands and device interactive Transmits response commands. Device interactive commands and device interactive response commands can be implemented as various request messages, response messages, etc., but are not limited here. The transmission of messages between the payment terminal and the first cloud subsystem and the transmission of messages between the first cloud subsystem and the second cloud subsystem are performed by transparent transmission (pass-through). I can do it.

In step S403, the payment factor information is transmitted to the user equipment via the contactless module.

The payment terminal transmits the payment factor information to the user equipment via the contactless module, thereby enabling the user equipment to calculate a signature based on the payment factor information, which signature specifically may be a dynamic signature. The user equipment utilizes the signature to generate payment cryptograms. In some examples, the payment cryptogram may specifically be, but is not limited to, an Authorization Request Cryptogram (ARQC).

In step S404, the user equipment receives the payment cryptogram transmitted via the contactless module, and transmits the payment cryptogram to the second cloud subsystem via the first cloud subsystem.

Here, the payment cryptogram is generated based on the payment element information. The payment terminal transmits the payment cryptogram to the first cloud subsystem, and the first cloud subsystem transmits the payment cryptogram to the second cloud subsystem. The transmission of the payment ciphertext between the payment terminal and the first cloud subsystem and the transmission of the payment ciphertext between the first cloud subsystem and the second cloud subsystem may be performed by transparent transmission. can.

In step S405, the second cloud subsystem receives payment result information transmitted via the first cloud subsystem.

The second cloud subsystem can communicate with the payment processing system, and the payment processing system completes the current payment transaction and sends payment result information to the second cloud subsystem. The first cloud subsystem receives the payment result information sent from the second cloud subsystem and sends the payment result information to the payment terminal. A payment terminal can receive the payment result information. Here, the payment result information is used to indicate the payment result. The payment result may include, but is not limited to, success or failure of payment, payment amount, etc. The terminal receiving the payment result information indicates that the payment process is completed.

In embodiments of the present application, contactless payment application interaction of the user equipment does not take place between the user equipment and the payment terminal, but with the second cloud subsystem via the payment terminal and the first cloud subsystem. The user equipment does not need to install a functional module to realize contactless payment application interaction between the user equipment and the payment terminal, and the user equipment has a functional module with a contactless communication function and a functional module with a network communication function. Just include. If the user equipment has a contactless communication function, the structure of the payment terminal can be simplified and the cost of the payment terminal can be reduced, thereby reducing the cost of the entire system supporting the contactless payment process.

FIG. 3 is a flowchart of another embodiment of the payment method applied to the payment terminal provided by the present application. The difference between FIG. 3 and FIG. 2 is that step S402 in FIG. 2 is specifically subdivided into steps S4021 to S4023 in FIG. 3.

In step S4021, the contactless payment environment is confirmed with the second cloud subsystem via the first cloud subsystem, and the user equipment supports the contactless payment environment with the second cloud subsystem via the first cloud subsystem. transmit the identifier of the payment application.

The contactless payment application interactive process in the above embodiments may specifically include a contactless payment environment confirmation process, a payment application selection process, and a payment element interactive process.

Here, the contactless payment environment confirmation is a process in which the payment terminal realizes the contactless payment environment confirmation between the user equipment and the second cloud subsystem via the first cloud subsystem, and the Only after the device and the second cloud subsystem have verified the contactless payment environment does the payment application selection process take place.

Specifically, the payment terminal receives the contactless payment environment confirmation request message transmitted by the second cloud subsystem via the first cloud subsystem, and transmits the contactless payment environment confirmation request message to the contactless module. can be transmitted to user equipment via. That is, the second cloud subsystem transparently transmits a contactless payment environment confirmation request message to the first cloud subsystem, the first cloud subsystem transparently transmits the contactless payment environment confirmation request message to the payment terminal, The payment terminal transparently transmits the contactless payment environment confirmation request message to the user equipment.

Here, the contactless payment environment confirmation request message is used to request the user equipment to confirm the contactless payment environment.

Upon receiving the contactless payment environment confirmation request message, the user equipment generates a contactless payment environment confirmation response message based on the contactless payment environment confirmation request message, and transmits the contactless payment environment confirmation response message via the contactless module. and transmit it to the payment terminal.

The payment terminal receives the contactless payment environment acknowledgment message transmitted by the user equipment via the contactless module, and transmits the contactless payment environment acknowledgment message to the second cloud subsystem via the first cloud subsystem. to transmit. That is, the user equipment transparently transmits the contactless payment environment acknowledgment message to the payment terminal, the payment terminal transparently transmits the contactless payment environment acknowledgment message to the first cloud subsystem, and the first cloud subsystem transparently transmits the contactless payment environment acknowledgment message to the payment terminal. Transparently transmitting a contact payment environment acknowledgment message to a second cloud subsystem.

The payment terminal receives an identifier of a payment application supported by the user equipment transmitted by the user equipment via the contactless module, and transmits the payment application supported by the user equipment to the second cloud subsystem via the first cloud subsystem. Transmit payment application identifier. Note that the identifier of the payment application supported by the user equipment received by the payment terminal may be included in the contactless payment environment acknowledgment message, or may be included in another message, but is not limited thereto. In some examples, the payment application identifier may specifically be, but is not limited to, an Application Identifier (AID).

In step S4022, a second cloud subsystem and a payment application are selected via the first cloud subsystem.

Here, the payment application selection is a process by which the payment terminal realizes the payment application selection between the user equipment and the second cloud subsystem via the first cloud subsystem. Once the user equipment and the second cloud subsystem have completed the payment application selection, they can obtain application messages for the applications needed for the current payment process.

Specifically, the payment terminal receives the target payment application information transmitted by the second cloud subsystem via the first cloud subsystem, and transmits the target payment application information to the user equipment via the contactless module. Transmit. That is, the second cloud subsystem transparently transmits the target payment application information to the first cloud subsystem, the first cloud subsystem transparently transmits the target payment application information to the payment terminal, and the payment terminal transparently transmits the target payment application information to the first cloud subsystem. Transparently transmit payment application information to user equipment.

Here, the target payment application information is application information of at least one payment application supported by the user equipment and/or application information of at least one payment application supported by the second cloud subsystem. The target payment application information specifically includes the transmission of application information of which one or several payment applications supported by the user equipment by the second cloud subsystem and/or the second cloud subsystem. The choice is not limited to which one or which several payment applications supported by the payment application to transmit application information.

For example, the target payment application information may specifically be application information in one or more payment applications supported by the user equipment. The target payment application information may specifically be application information in one or more payment applications supported by the second cloud subsystem. The target payment application information may specifically include application information in one or more payment applications supported by the user equipment and application information in one or more payment applications supported by the second cloud subsystem. good.

In step S4023, the payment element is interacted with the second cloud subsystem via the first cloud subsystem, and the second cloud subsystem receives the payment element information transmitted via the first cloud subsystem. Receive.

Payment element interactivity is a process by which a payment terminal realizes interaction of a payment element between a user equipment and a second cloud subsystem via a first cloud subsystem. Once the interaction of the payment element between the user equipment and the second cloud subsystem is completed, the payment element information required for the current payment process can be obtained.

Specifically, the payment terminal receives the payment element request message transmitted by the user equipment via the contactless module, and transmits the payment element request message to the second cloud subsystem via the first cloud subsystem. Transmit. That is, the user equipment transparently transmits the payment element request message to the payment terminal, the payment terminal transparently transmits the payment element request message to the first cloud subsystem, and the first cloud subsystem transparently transmits the payment element request message. Transmit transparently to the second cloud subsystem. Here, the payment element request message is used to request payment element information from the second cloud subsystem. In some examples, the payment element request message may be implemented as a PDOL request message.

The payment terminal receives the payment element response message transmitted by the second cloud subsystem via the first cloud subsystem, and transmits the payment element response message to the user equipment via the contactless module. That is, the second cloud subsystem transparently transmits the payment element response message to the first cloud subsystem, the first cloud subsystem transparently transmits the payment element response message to the payment terminal, and the payment terminal transparently transmits the payment element response message to the payment terminal. transparently transmitting the element response message to the user equipment; Here, the payment element response message includes payment element information. The payment element response message is generated by the second cloud subsystem based on the payment element request message. In some examples, the payment element response message may be implemented as a GetProcessing Options (GPO) command.

In some examples, the payment element response message can further include a termination identifier. The termination identifier is used to indicate that the payment element response message is the last command sent by the second cloud subsystem to the first cloud subsystem in the contactless payment application interactive process. In other examples, upon sending the payment element response message, the second cloud subsystem sends the payment element response message to the first cloud subsystem in a contactless payment application interactive process. Sends a termination message that is used to indicate that this is the last command.

FIG. 4 is a flowchart of yet another embodiment of the payment method applied to the payment terminal provided by the present application. The difference between FIG. 4 and FIG. 2 is that step S402 in FIG. 2 is specifically subdivided into step S4024 and step S4025 in FIG.

In step S4024, an authentication response message transmitted from the first cloud subsystem is received.

The contactless payment request command in the above embodiment includes the terminal identifier of the payment terminal. The terminal identifier of a payment terminal has uniqueness, ie, the terminal identifiers of different payment terminals are different. In some examples, the terminal identifier of the payment terminal may be the only corresponding code of the payment terminal's hardware structure, but is not limited here. When the first cloud subsystem receives the contactless payment request command transmitted from the payment terminal, the first cloud subsystem performs validity authentication on the terminal identifier in the contactless payment request command to determine whether the terminal identifier is valid. Based on whether or not the authentication response message is generated and sent. Here, the authentication response message is used to indicate whether the terminal identifier of the payment terminal is valid. Validity here means that the first cloud subsystem and the second cloud subsystem support issuing a payment from a payment terminal corresponding to the terminal identifier.

In step S4025, if the authentication response message indicates that the terminal identifier of the payment terminal is valid, the interaction of the contactless payment application with the second cloud subsystem via the first cloud subsystem is performed. , get the payment element.

The payment terminal performs contactless payment application interaction with the user equipment and the second cloud subsystem via the first cloud subsystem only if the terminal identifier is valid.

The unique terminal identifier possessed by the payment terminal allows a stable communication connection to be established between the terminal device, the first cloud subsystem, and the second cloud subsystem. The first cloud subsystem and the second cloud subsystem do not voluntarily receive messages sent from payment terminals that do not have a terminal identifier, and do not voluntarily receive messages sent from payment terminals that do not have a terminal identifier of legitimacy. This guarantees the security and reliability of the payment process.

In the above embodiment, network slicing technology may be used to realize communication between the payment terminal, the first cloud subsystem, and the second cloud subsystem, thereby realizing resource separation of network transmission. can. Network slicing technology is a demand-based networking technology in 5G networks, which can carve out multiple virtual end-to-end networks in a unified infrastructure, and each slice network can be divided into three types: from the radio access network to the bearer network, Furthermore, it is logically separated into a core network. By using different slice networks to realize resource separation of network transmission, transmission efficiency and network resource utilization can be improved.

Here, the payment terminal and the first cloud subsystem communicate via the first slice network. Communication occurs between the first cloud subsystem and the second cloud subsystem via a second slice network. Each slice network may include multiple slice sub-networks capable of transmitting specific resources.

For example, FIG. 5 is a schematic diagram of an example of a slice network between a payment terminal, a first cloud subsystem, and a second cloud subsystem provided by embodiments of the present application. As shown in FIG. 5, the first slice network W1 includes a first slice sub-network W1-1 and a second slice sub-network W1-2. The second slice network W2 includes a third slice sub-network W2-1, a fourth slice sub-network W2-2, and a fifth slice sub-network W2-3.

The first slice sub-network W1-1 is used to perform contactless payment application interaction in the above embodiment. The second slice sub-network W1-2 is used to transmit payment result information. The third slice sub-network W2-1 is used to perform the contactless payment application interaction in the above embodiment. The fourth slice sub-network W2-2 is used to transmit payment information. The fifth slice sub-network W2-3 is used to transmit payment result information. Here, the payment information is obtained by the first cloud sub-network based on the payment cryptogram. In some examples, payment information includes, but is not limited to, payment amount, terminal identifier, merchant identifier, etc.

In some examples, the types of payment result information are different, including, for example, audio types, text types, and image types. Correspondingly, the fifth slice sub-network is further divided into multiple slice sub-networks, and different slice sub-networks transmit different types of payment result information. For example, one slice sub-network belonging to the fifth slice sub-network is used to transmit voice-type payment result information. Other slice sub-networks belonging to the fifth slice sub-network are used to transmit text-type payment result information. Yet another slice sub-network belonging to the fifth slice sub-network is used to transmit image-type payment result information.

Embodiments of the present application further provide a payment method applied to the first cloud subsystem. FIG. 6 is a flowchart of one embodiment of a payment method applied to the first cloud subsystem provided by the present application. As shown in FIG. 6, the payment method may include steps S501 to S505.

In step S501, a contactless payment request instruction sent from a payment terminal is received, and the contactless payment request instruction is transmitted to the second cloud subsystem.

A payment terminal transparently transmits a contactless payment request instruction to a first cloud subsystem, and the first cloud subsystem transparently transmits the contactless payment request instruction to a second cloud subsystem. For the content of the contactless payment request instruction, the related explanation in the above embodiment can be referred to, so the explanation will be omitted here.

In step S502, a contactless payment application interaction between the payment terminal and the second cloud subsystem is performed, and the payment element information sent from the second cloud subsystem is transmitted to the payment terminal.

Messages in a contactless payment application interactive process between the payment terminal and the second cloud subsystem need to be transmitted by the first cloud subsystem. The second cloud subsystem transparently transmits the payment factor information obtained in the contactless payment application interactive process to the first cloud subsystem, and the first cloud subsystem transparently transmits the payment factor information to the payment terminal. .

Here, the content of the contactless payment application interactive and the payment element information can be referred to the related explanation in the above embodiment, so the explanation will be omitted here.

In step S503, the payment ciphertext sent from the payment terminal is received, and the payment ciphertext is transmitted to the second cloud subsystem.

Here, the payment cryptogram is generated based on the payment element information. Since the content of the payment cryptogram can be referred to in the related explanation in the above embodiment, the explanation will be omitted here.

In step S504, based on the payment ciphertext, payment information matching the payment ciphertext is obtained, and the payment information is transmitted to the second cloud subsystem.

Here, the payment information includes, but is not limited to, a payment amount, a terminal identifier, a merchant identifier, and the like.

In step S505, receiving the payment result information transmitted from the second cloud subsystem and transmitting at least some of the payment result information to the payment terminal.

Here, the payment result information is obtained based on the payment information. Since the content of the payment result information can be referred to in the related explanation in the above embodiment, the explanation will be omitted here.

In embodiments of the present application, the payment terminal and the second cloud subsystem, through the first cloud subsystem, transmit contactless payment request instructions, contactless payment application interactive process, transmission of payment cryptograms, payment information. and transmitting payment result information, whereby a contactless payment application interactive process is executed by the second cloud subsystem, and the user equipment is provided with a contactless payment application interactive process between the user equipment and the payment terminal. There is no need to install functional modules to achieve this. Therefore, the structure of the payment terminal can be simplified and the cost of the payment terminal can be reduced, thereby reducing the cost of the entire system supporting the contactless payment process.

FIG. 7 is a flowchart of another embodiment of the payment method applied to the first cloud subsystem provided by the present application. The difference between FIG. 7 and FIG. 6 is that step S502 in FIG. 6 is specifically subdivided into steps S5021 to S5023 in FIG.

In step S5021, the contactless payment environment between the payment terminal and the second cloud subsystem is confirmed, and the identifier of the payment application supported by the user equipment sent from the payment terminal is transparently transmitted to the second cloud subsystem. do.

The contactless payment application interactive process in the above embodiments may specifically include a contactless payment environment confirmation process, a payment application selection process, and a payment element interactive process.

Specifically, the first cloud subsystem transparently transmits the contactless payment environment confirmation request message sent from the second cloud subsystem to the payment terminal. The first cloud subsystem transparently transmits a contactless payment environment acknowledgment message sent from the payment terminal to the second cloud subsystem.

In step S5022, a payment application between the payment terminal and the second cloud subsystem is selected.

Specifically, the first cloud subsystem transparently transmits target payment application information sent from the second cloud subsystem to the payment terminal. The target payment application information is application information of at least one payment application supported by the user equipment and/or application information of at least one payment application supported by the second cloud subsystem.

In step S5023, the payment element interaction between the payment terminal and the second cloud subsystem is performed, and the payment element information sent from the second cloud subsystem is transparently transmitted to the payment terminal.

Specifically, the first cloud subsystem transparently transmits the payment element request message sent from the payment terminal to the second cloud subsystem. The first cloud subsystem transparently transmits the payment element response message sent from the second cloud subsystem to the payment terminal. Here, the payment element response message includes payment element information.

For the content of contactless payment environment confirmation, payment application identifier supported by the user equipment, payment application selection, payment element interaction, and payment element information in this embodiment, please refer to the related explanation in the above embodiment. The explanation will be omitted here.

FIG. 8 is a flowchart of yet another embodiment of a payment method applied to the first cloud subsystem provided by the present application. The difference between FIG. 8 and FIG. 6 is that step S502 in FIG. 6 is specifically subdivided into step S5024 and step S5025 in FIG. 8.

In step S5024, transmitting an authentication response message to the payment terminal based on the terminal identifier of the payment terminal in the contactless payment request command.

The contactless payment request command includes a terminal identifier of the payment terminal. The first cloud subsystem performs validity authentication on the terminal identifier in the contactless payment request command and generates an authentication response message. Here, the authentication response message is used to indicate whether the terminal identifier of the payment terminal is valid.

In some examples, the first cloud subsystem may be configured with a legitimacy identifier database, and search the legitimacy identifier database for the same identifier as the terminal identifier in the contactless payment request command. By doing so, it can be determined whether the terminal identifier in the contactless payment request command is valid. If the same identifier as the terminal identifier in the contactless payment request instruction exists in the validity identifier database, it can be determined that the terminal identifier in the contactless payment request instruction is valid. In embodiments of the present application, other methods may be employed to authenticate the terminal identifier in the contactless payment request command, but are not limited thereto.

In step S5025, if the authentication response message indicates that the terminal identifier of the payment terminal is valid, performing a contactless payment application interaction between the payment terminal and the second cloud subsystem; The payment element information sent from the payment terminal is transmitted to the payment terminal.

The contents of the terminal identifier, the authentication response message, the interaction of the contactless payment application, and the payment element information in this embodiment can refer to the related explanations in the above embodiments, and therefore will not be described here.

In the above embodiment, communication between the first cloud subsystem payment terminal and the payment terminal is via the first slice network. Communication occurs between the first cloud subsystem and the second cloud subsystem via a second slice network.

Specifically, the first slice network includes a first slice subnetwork and a second slice subnetwork. The first slice sub-network is used to interact with the contactless payment application. The second slice sub-network is used to transmit payment result information.

The second slice network includes a third slice subnetwork, a fourth slice subnetwork, and a fifth slice subnetwork. The third slice sub-network is used to interact with the contactless payment application. The fourth slice sub-network is used to transmit payment information. The fifth slice sub-network is used to transmit payment result information.

A slice network technique is utilized between the payment terminal, the first cloud subsystem, and the second cloud subsystem to facilitate communication between the payment terminal, the first cloud subsystem, and the second cloud subsystem. For the content to be realized, the related explanation in the above embodiment can be referred to, so the explanation will be omitted here.

The present application further provides a payment method applied to the second cloud subsystem. FIG. 9 is a flowchart of one embodiment of a payment method applied to the second cloud subsystem provided by the present application. As shown in FIG. 9, the payment method may include steps S601 to S605.

In step S601, the payment terminal responds to a contactless payment request command transmitted via the first cloud subsystem, and interacts between the payment terminal and the contactless payment application via the first cloud subsystem. , obtain payment element information.

Here, the contents of the contactless payment request command, the interaction of the contactless payment application, and the payment element information can refer to the related explanations in the above embodiments, and therefore will not be described here.

In step S602, the payment element information is transmitted to the payment terminal via the first cloud subsystem.

In step S603, the payment terminal receives the payment cryptogram transmitted via the first cloud subsystem.

Here, the payment cryptogram is generated based on the payment element information. Since the content of the payment cryptogram can be referred to in the related explanation in the above embodiment, the explanation will be omitted here.

In step S604, the first cloud subsystem receives the payment information obtained based on the payment cryptogram and sends the payment information to the payment processing system.

Here, the payment processing system is used to generate payment result information based on the payment information and transmit the payment result information to the second cloud subsystem.

In step S605, the payment result information fed back from the payment processing system is obtained, and at least some of the payment result information is transmitted to the payment terminal via the first cloud subsystem.

Here, the payment result information is used to indicate the payment result. The payment result may include, but is not limited to, success or failure of payment, payment amount, etc.

Specifically, the second cloud subsystem can transmit all payment result information fed back from the payment processing system to the first cloud subsystem, and the first cloud subsystem can transmit all payment result information fed back from the payment processing system to the first cloud subsystem. Store result information. Since the payment result information displayed to the user at the payment terminal is partial, the first cloud subsystem may transmit some or all of the payment result information to the payment terminal; It is not limited here.

In embodiments of the present application, interaction of the contactless payment application of the user equipment does not take place between the user equipment and the payment terminal, but with the second cloud subsystem via the payment terminal and the first cloud subsystem. . There is no need to install functional modules in the user equipment to realize the interaction of contactless payment applications between the user equipment and the payment terminal, which simplifies the structure of the payment terminal and reduces the cost of the payment terminal, thereby reducing the The overall cost of the system supporting contact payment processes can be reduced.

FIG. 10 is a flowchart of another embodiment of the payment method applied to the second cloud subsystem provided by the present application. The difference between FIG. 10 and FIG. 9 is that step S601 in FIG. 9 is specifically subdivided into steps S6011 to S6013.

In step S6011, in response to the contactless payment request instruction transmitted by the payment terminal via the first cloud subsystem, confirming the contactless payment environment with the payment terminal via the first cloud subsystem; The payment terminal receives an identifier of a payment application supported by the user equipment transmitted via the first cloud subsystem.

The contactless payment application interactive process in the above embodiments may specifically include a contactless payment environment confirmation process, a payment application selection process, and a payment element interactive process.

Specifically, the second cloud subsystem transmits a contactless payment environment confirmation request message to the payment terminal via the first cloud subsystem. The second cloud subsystem receives the contactless payment environment acknowledgment message transmitted by the payment terminal via the first cloud subsystem.

In step S6012, a payment terminal and a payment application are selected via the first cloud subsystem.

Specifically, the second cloud subsystem establishes a candidate application identifier list based on the identifiers of the payment applications supported by the user equipment and the identifiers of the payment applications supported by the second cloud subsystem. Here, the application identifier candidate list includes an identifier of a payment application supported by the user equipment and an identifier of a payment application supported by the second cloud subsystem. The second cloud subsystem selects the target application identifier from the application identifier candidate list, obtains the target payment information matched with the target application identifier, and transmits the target payment information to the payment terminal via the first cloud subsystem. Transmit. The target application identifier is an identifier of at least one payment application in the candidate application identifier list.

In step S6013, the interaction between the payment terminal and the payment element is performed via the first cloud subsystem, and the payment element information is transmitted to the payment terminal via the first cloud subsystem.

Specifically, the second cloud subsystem receives the payment element request message transmitted by the payment terminal via the first cloud subsystem. The second cloud subsystem generates a payment element response message based on the payment element request message. Here, the payment element response message includes payment element information. The second cloud subsystem transmits the payment element response message to the payment terminal via the first cloud subsystem.

The contents of contactless payment environment confirmation, contactless payment environment confirmation request message, contactless payment environment confirmation response message, payment application selection, payment element interaction, payment element request message, and payment element response message are as described in the above embodiments. Since related explanations can be referred to, the explanation is omitted here.

In some examples, the second cloud subsystem can include a contactless processing cloud subsystem and a payment processing cloud subsystem. Here, the contactless processing cloud subsystem is used to perform the relevant steps of the contactless payment application interactive. The payment processing cloud subsystem is used to perform steps related to payment information and payment outcome information. For example, the contactless processing cloud subsystem can execute steps S601 to S603 and steps S6011 to S6013 described above. The payment processing cloud subsystem can perform steps S604 and S605 above.

In the above embodiment, communication between the payment terminal and the first cloud subsystem is via the first slice network. Communication between the second cloud subsystem and the first cloud subsystem is via a second slice network.

Specifically, the first slice network includes a first slice subnetwork and a second slice subnetwork. The first slice sub-network is used to interact with the contactless payment application. The second slice sub-network is used to transmit payment result information.

The second slice network includes a third slice subnetwork, a fourth slice subnetwork, and a fifth slice subnetwork. The third slice sub-network is used to interact with the contactless payment application. The fourth slice sub-network is used to transmit payment information. The fifth slice sub-network is used to transmit payment result information.

communication between the payment terminal, the first cloud subsystem, and the second cloud subsystem utilizing slice network technology between the payment terminal, the first cloud subsystem, and the second cloud subsystem; For the content of realizing this, the related explanation in the above embodiment can be referred to, so the explanation will be omitted here.

For ease of explanation, a payment method in a payment system including a payment terminal, a first cloud subsystem, and a second cloud subsystem will be described below by way of example. FIG. 11 is a flowchart of an example of a payment method applied to a payment system provided by an embodiment of the present application. As shown in FIG. 11, the payment method includes steps S701 to S728.

In step S701, the payment terminal senses the contactless module of the user equipment and sends a contactless payment request command to the first cloud subsystem.

In step S702, the first cloud subsystem performs validity authentication on the payment terminal based on the contactless payment request command.

In step S703, if the payment terminal is verified to be valid through authentication, it transmits a contactless payment request command to the second cloud subsystem.

In step S704, the second cloud subsystem transmits a contactless payment environment confirmation request message to the first cloud subsystem.

In step S705, the first cloud subsystem transmits a contactless payment environment confirmation request message to the payment terminal.

In step S706, the payment terminal transmits a contactless payment environment confirmation request message to the user equipment.

In step S707, the user equipment generates a contactless payment environment confirmation response message based on the contactless payment environment confirmation request message and transmits the contactless payment environment confirmation response message to the payment terminal.

In step S708, the payment terminal transmits a contactless payment environment acknowledgment message to the first cloud subsystem. The contactless payment environment acknowledgment message includes an identifier of a payment application supported by the user equipment.

In step S709, the first cloud subsystem transmits a contactless payment environment acknowledgment message to the second cloud subsystem.

In step S710, the second cloud subsystem establishes an application identifier candidate list based on the identifiers of payment applications supported by the user equipment and the identifiers of payment applications supported by the second cloud subsystem.

In step S711, the second cloud subsystem selects a target application identifier from the application identifier candidate list and transmits target payment application information corresponding to the target application identifier to the first cloud subsystem.

In step S712, the first cloud subsystem transmits the target payment application information to the payment terminal.

In step S713, the payment terminal transmits the target payment information to the user equipment.

In step S714, the user equipment transmits a payment element request message to the payment terminal.

In step S715, the payment terminal transmits a payment element request message to the first cloud subsystem.

In step S716, the first cloud subsystem transmits the payment element request message to the second cloud subsystem.

In step S717, the second cloud subsystem generates a payment element response message based on the payment element request message and transmits the payment element response message to the first cloud subsystem. The payment element response message includes payment element information.

In step S718, the first cloud subsystem transmits the payment element response message to the payment terminal.

In step S719, the payment terminal transmits a payment element response message to the user equipment.

In step S720, the user equipment generates a payment cryptogram based on the payment factor information and transmits the payment cryptogram to the payment terminal.

In step S721, the payment terminal transmits the payment cryptogram to the first cloud subsystem.

In step S722, the first cloud subsystem transmits the payment cryptogram to the second cloud subsystem.

In step S723, the first cloud subsystem obtains payment information matching the payment ciphertext based on the payment ciphertext.

In step S724, the first cloud subsystem transmits the payment information to the second cloud subsystem.

In step S725, the second cloud subsystem transmits the payment information to the payment processing system.

In step S726, the payment processing system generates payment result information based on the payment information and transmits the payment result information to the second cloud subsystem.

In step S727, the second cloud subsystem transmits the payment result information to the first cloud subsystem.

In step S728, the first cloud subsystem transmits the payment result information to the payment terminal.

Here, for the contents of steps S701 to 728, the related explanation in the above embodiment can be referred to, so the explanation will be omitted here.

Embodiments of the present application further provide a payment terminal. FIG. 12 is a structural schematic diagram of one embodiment of a payment terminal provided by the present application. As shown in FIG. 12, the payment terminal 100 includes a contactless communication module 101 and a network communication module 102.

The contactless communication module 101 is configured to sense the contactless module of the user equipment, transmit the payment factor information obtained by the interaction of the contactless payment application to the user equipment via the contactless module, and It is used to receive the payment cryptogram transmitted through the contactless module, and the payment cryptogram is generated based on the payment element information.

Upon sensing the contactless module of the user equipment by the contactless communication module, the network communication module 102 is configured to transmit a contactless payment request instruction to the second cloud subsystem via the first cloud subsystem; interacting a contactless payment application with a second cloud subsystem through the cloud subsystem of the computer; and transmitting payment cryptograms through the first cloud subsystem to the second cloud subsystem; The second cloud subsystem is used to receive payment result information transmitted via the first cloud subsystem.

In some examples, network communication module 102 may specifically be a 5G communication module.

In embodiments of the present application, interaction of the contactless payment application of the user equipment does not take place between the user equipment and the payment terminal, but with the second cloud subsystem via the payment terminal and the first cloud subsystem. . There is no need to install a function module in the user equipment to realize contactless payment application interaction between the user equipment and the payment terminal, and the user equipment has a function module with contactless communication function and a function module with network communication function. Just include it. If the user equipment has a contactless communication function, it can simplify the structure of the payment terminal and reduce the cost of the payment terminal, thereby reducing the cost of the entire system supporting the contactless payment process.

In some examples, the network communication module 102 specifically performs contactless payment environment verification with a second cloud subsystem via the first cloud subsystem and communicates with the first cloud subsystem. transmitting an identifier of a payment application supported by the user equipment to a second cloud subsystem via the first cloud subsystem; The payment element is used to interact with a second cloud subsystem through the first cloud subsystem, and the second cloud subsystem receives payment element information transmitted through the first cloud subsystem. It will be done.

Specifically, the network communication module 102 receives a contactless payment environment confirmation request message transmitted by the second cloud subsystem via the first cloud subsystem; transmitting a contactless payment environment acknowledgment message to the second cloud subsystem via the cloud subsystem of the user equipment; and a payment application supported by the user equipment to the second cloud subsystem via the first cloud subsystem. It is used to transmit the identifier of

The contactless communication module 101 specifically transmits a contactless payment environment confirmation request message to the user equipment via the contactless module, and the contactless payment environment transmitted by the user equipment via the contactless module. It is used to receive an acknowledgment message and an identifier of a payment application supported by the user equipment transmitted by the user equipment via the contactless module.

In particular, network communication module 102 is specifically used to receive target payment application information transmitted by the second cloud subsystem via the first cloud subsystem.

The contactless communication module 101 is specifically used to transmit target payment application information to user equipment via the contactless module.

Here, the target payment application information is application information of at least one payment application supported by the user equipment and/or application information of at least one payment application supported by the second cloud subsystem.

Specifically, the contactless communication module 101 specifically receives a payment element request message transmitted by the user equipment via the contactless module, and sends a payment element response message via the contactless module. Used for transmission to user equipment.

The network communication module 102 specifically includes transmitting a payment factor request message to a second cloud subsystem via the first cloud subsystem and the second cloud subsystem communicating with the first cloud subsystem. It is used to receive payment element response messages transmitted via.

Here, the payment element response message includes payment element information.

In some examples, the contactless payment request instruction includes a terminal identifier of the payment terminal. Specifically, the network communication module 102 receives an authentication response message transmitted from the first cloud subsystem to indicate whether the terminal identifier of the payment terminal is valid. and if the authentication response message supports that the terminal identifier of the payment terminal is valid, interacting the application with the second cloud subsystem via the first cloud subsystem to obtain the payment element. It is often used.

In some examples, the network communication module communicates with the first cloud subsystem via the first slice network.

Specifically, the first slice network includes a first slice subnetwork and a second slice subnetwork. The first slice sub-network is used to interact with the contactless payment application. The second slice sub-network is used to transmit payment result information.

FIG. 13 is a structural schematic diagram of another embodiment of the payment terminal provided by the present application. The difference between FIG. 13 and FIG. 12 is that the payment terminal 100 further includes a central processing module 103 and a power supply and power amplification module 104.

Here, the central processing module 103 is used to call the contactless communication module and the network communication module.

The power supply and power amplification module 104 is used to provide power and perform power amplification functions.

Embodiments of the present application further provide a cloud subsystem, and the cloud subserver is the first cloud subsystem in the above embodiments. FIG. 14 is a structural schematic diagram of one embodiment of the first cloud subsystem provided by the present application. As shown in FIG. 14, the first cloud subsystem 200 may include a network communication module 201 and a processing module 202.

The network communication module 201 receives a contactless payment request instruction sent from a payment terminal, transmits the contactless payment request instruction to the second cloud subsystem, and communicates between the payment terminal and the second cloud subsystem. interacting with a contactless payment application, transmitting payment elements transmitted from a second cloud subsystem to a payment terminal; receiving payment cryptograms transmitted from the payment terminal; and transmitting payment cryptograms to a second cloud subsystem; transmitting the payment cryptogram to the cloud subsystem, wherein the payment cryptogram is generated based on the payment element information; transmitting the payment information to the second cloud subsystem; and transmitting the payment result transmitted from the second cloud subsystem. It is used to receive information and transmit at least some payment result information to a payment terminal.

In some examples, network communication module 201 may specifically be a 5G communication module.

The processing module 202 is used to obtain payment information matching the payment cryptogram based on the payment cryptogram.

In embodiments of the present application, the payment terminal and the second cloud subsystem transmit the contactless payment request command, the contactless payment application interactive process, the transmission of the payment cryptogram, and the payment information via the first cloud subsystem. The contactless payment application interactive process is executed by the second cloud subsystem by transmitting and transmitting the payment result information, and the user equipment has the function of realizing contactless payment application interaction between the user equipment and the payment terminal. No need to install modules. Therefore, the structure of the payment terminal is simplified and the cost of the payment terminal is reduced, thereby reducing the cost of the entire system supporting the contactless payment process.

In some examples, the network communication module 201 specifically performs contactless payment environment verification of the payment terminal and the second cloud subsystem, and communicates with the payment application supported by the user equipment transmitted from the payment terminal. transparently transmitting an identifier to the second cloud subsystem, selecting a payment application of the payment terminal and the second cloud subsystem, and interacting the payment element of the payment terminal and the second cloud subsystem. and is used to transparently transmit payment element information sent from the second cloud subsystem to the payment terminal.

Specifically, the network communication module 201 is configured to transparently transmit a contactless payment environment confirmation request message sent from the second cloud subsystem to the payment terminal, and to transparently transmit a contactless payment environment confirmation request message sent from the second cloud subsystem to the payment terminal. It is used to transparently transmit the contact payment environment acknowledgment message to the second cloud subsystem.

In particular, the network communication module 201 is specifically used to transparently transmit target payment application information sent from the second cloud subsystem to the payment terminal. Here, the target payment application information is application information of at least one payment application supported by the user equipment and/or application information of at least one payment application supported by the second cloud subsystem.

In particular, the network communication module 201 is configured to transparently transmit a payment element request message sent from a payment terminal to a second cloud subsystem, and to transparently transmit a payment element request message sent from a payment terminal to a second cloud subsystem. It is used to transparently transmit the payment element response message to the payment terminal.

Here, the payment element response message includes payment element information.

In some examples, the network communication module 201 specifically informs the payment terminal whether the terminal identifier of the payment terminal is valid based on the terminal identifier of the payment terminal in the contactless payment request command. transmitting an authentication response message for indicating that the terminal identifier of the payment terminal is valid; used for doing things.

In some examples, network communication module 201 communicates with the payment terminal via the first slice network. Network communication module 201 communicates with the second cloud subsystem via the second slice network.

Specifically, the first slice network includes a first slice subnetwork and a second slice subnetwork. The first slice sub-network is used to interact with the contactless payment application. The second slice sub-network is used to transmit payment result information.

The second slice network includes a third slice subnetwork, a fourth slice subnetwork, and a fifth slice subnetwork. A third slice sub-network is used to interact with the contactless payment application, and a fourth slice sub-network is used to transmit payment information. The fifth slice sub-network is used to transmit payment result information.

The present application further provides a cloud subsystem, which is the second cloud subsystem in the above embodiments. FIG. 15 is a structural schematic diagram of one embodiment of the second cloud subsystem provided by the present application. As shown in FIG. 15, the second cloud subsystem 300 includes a network communication module 301 and a processing module 302.

The network communication module 301 is responsive to contactless payment request commands transmitted by the payment terminal via the first cloud subsystem, and interacts between the payment terminal and the contactless payment application via the first cloud subsystem. transmitting the payment element information to the payment terminal via the first cloud subsystem; and transmitting the payment cryptogram transmitted by the payment terminal via the first cloud subsystem based on the payment element information. receiving the payment cryptogram generated by the first cloud subsystem based on the payment cryptogram; and transmitting the payment information to the payment processing system; It is used to obtain the fed back payment result information and transmit at least part of the payment result information to the payment terminal via the first cloud subsystem.

In some examples, network communication module 301 may specifically be a 5G communication module.

Processing module 302 is used to obtain payment element information through an interactive contactless payment application.

In embodiments of the present application, interaction of the contactless payment application of the user equipment does not take place between the user equipment and the payment terminal, but with the second cloud subsystem via the payment terminal and the first cloud subsystem. . There is no need to install functional modules in the user equipment to realize the interaction of contactless payment applications between the user equipment and the payment terminal, which simplifies the structure of the payment terminal and reduces the cost of the payment terminal, thereby reducing the The overall cost of the system supporting contact payment processes can be reduced.

In some examples, the network communication module 301 specifically performs contactless payment environment verification with a payment terminal via the first cloud subsystem, and when the payment terminal communicates with the payment terminal via the first cloud subsystem. receiving an identifier of a payment application supported by the user equipment transmitted by the user, selecting the payment terminal and the payment application via the first cloud subsystem; and making the payment via the first cloud subsystem. It is used to interact between the terminal and the payment element and to transmit the payment element information to the payment terminal via the first cloud subsystem.

Specifically, the network communication module 301 specifically transmits a contactless payment environment confirmation request message to the payment terminal via the first cloud subsystem, and when the payment terminal is connected to the first cloud subsystem. It is used to receive the contactless payment environment confirmation response message transmitted via the contactless payment environment.

The processing module 302 specifically includes establishing a candidate application identifier list based on an identifier of a payment application supported by the user equipment and an identifier of a payment application supported by a second cloud subsystem; The method is used to select a target application identifier from the list, obtain target payment information matched with the target application identifier, and transmit the target payment information to the payment terminal via the first cloud subsystem.

Specifically, the network communication module 301 receives the payment element request message transmitted by the payment terminal via the first cloud subsystem, and transmits the payment element response message to the first cloud subsystem. It is used for transmission to the payment terminal via the subsystem.

Processing module 302 is specifically used to generate payment element response messages based on payment element request messages.

Here, the payment element response message includes payment element information.

In some examples, network communication module 301 communicates with the first cloud subsystem via a second slice network.

Specifically, the second slice network includes a third slice subnetwork, a fourth slice subnetwork, and a fifth slice subnetwork. A third slice sub-network is used to interact with the contactless payment application, and a fourth slice sub-network is used to transmit payment information. The fifth slice sub-network is used to transmit payment result information.

In some examples, the second cloud subsystem can further include a payment management module and a payment security control module. Here, the payment management module is used to manage payment related information. The payment security control module is used to prevent payment risks.

FIG. 16 is a schematic diagram of the hardware configuration of one embodiment of the payment terminal provided by the present application. As shown in FIG. 16, payment terminal 800 includes a storage device 801, a processor 802, and a computer program stored in storage device 801 and executable by processor 802.

In one example, the processor 802 may include a central processing unit (CPU), or an ASIC, or may be configured into one or more integrated circuits implementing embodiments of the present application. .

Storage device 801 may include mass storage for data and instructions. For example, the storage device 801 can include, but is not limited to, an HDD, a flexible disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a universal serial bus (USB) drive, or a combination of two or more thereof. Not done. In appropriate circumstances, storage device 801 may include removable or non-removable (or non-removable) media. In appropriate circumstances, storage 801 can be internal or external to payment terminal 800. In certain embodiments, storage device 801 is non-volatile solid state memory. In certain embodiments, storage device 801 includes read only memory (ROM). In appropriate circumstances, the ROM may be mask-programmed ROM, programmable ROM (PROM), erasable PROM (EPROM), electrically erasable PROM (EEPROM), electrically programmable ROM (EAROM) or Flash. It may be a memory or a combination of two or more of these.

The processor 802 executes a computer program corresponding to the executable program code by reading the executable program code stored in the storage device 801 in order to realize the payment method applied to the payment terminal in the above embodiment. do.

In one example, payment terminal 800 can further include a communication interface 803 and a bus 804. Here, as shown in FIG. 16, a storage device 801, a processor 802, and a communication interface 803 are connected by a bus 804 to realize communication therebetween.

The communication interface 803 is mainly used to realize communication between each module, apparatus, unit and/or device in the embodiments of the present application. Input and/or output devices may also be accessed via communication interface 803.

Bus 804 includes hardware, software, or both, and couples components of payment terminal 800 together. For example, bus 804 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front End Bus (FSB), a High Transmission (HT) interconnect, an Industrial Standard Architecture (ISA) bus. , unlimited bandwidth interconnect, low pin count (LPC) bus, memory bus, Micro Channel Architecture (MCA) bus, peripheral component interconnect (PCI) bus, PCI-Express (PCI-X) bus, serial high-end technology accessories ( SATA) bus, Video Electronics Standards Association Local (VLB) bus, or other suitable bus, or a combination of two or more thereof. Where appropriate, bus 804 may include one or more buses. Although embodiments of this application describe and illustrate a particular bus, this application contemplates any suitable bus or interconnect.

Embodiments of the present application further provide a cloud server. The hardware configuration of the cloud server is basically the same as the hardware configuration of the payment terminal shown in FIG. Note that in the cloud server, the processor reads the executable program code stored in the storage device and executes the computer program corresponding to the executable program code, thereby creating the first cloud subsystem in the above embodiment. and/or a payment method applied to the second cloud subsystem.

Embodiments of the present application further provide a computer readable storage medium having a computer program stored thereon, and when the computer program is executed by the processor, the payment A payment method applied to the terminal, a payment method applied to the first cloud subsystem, or a payment method applied to the second cloud subsystem can be implemented.

It should be noted that each embodiment in this specification is described in a progressive manner, the same or similar parts between the embodiments are referred to each other, and each embodiment is explained in a progressive manner. The explanation focused on the differences between the two. For relevant parts of the payment terminal embodiments, the cloud subsystem embodiments, the cloud server embodiments and the computer readable storage medium embodiments, reference may be made to the explanatory part of the method embodiments. The present application is not limited to the specific steps and structures illustrated in the drawings described above. Various changes, modifications, and additions or changes in the order of steps may be made by those skilled in the art after understanding the spirit of the present application. Also, for the sake of brevity, detailed descriptions of known method techniques are omitted here.

Aspects of the present application are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (subsystems, systems), and machine program products according to example embodiments of the present application. Note that each block in the flowchart and/or block diagram and the combination of each block in the flowchart and/or block diagram can be realized by a program or a command. These programs or instructions are provided to a processor of a general-purpose computer, special-purpose computer, or other programmable data processing device to produce an instrument that allows these programs or instructions to be executed on a processor of a computer or other programmable data processing device. Functions/operations specified by one or more blocks in the flowchart and/or block diagram can be implemented by programs or instructions. Such a processor may be, but is not limited to, a general purpose processor, a special purpose processor, a special application processor, or a field programmable logic circuit. Note that each block in the block diagram and/or flowchart and a combination of blocks in the block diagram and/or flowchart may be realized with dedicated hardware that performs a specified function or operation, and the dedicated hardware and computer instructions may be implemented. It may be realized by a combination of.

As those skilled in the art will understand, all of the above examples are illustrative and not limiting. By combining different technical features appearing in different embodiments, beneficial effects can be obtained. Those skilled in the art will be able to understand and implement other variations of the disclosed embodiments after studying the drawings, specification, and claims. In the claims, the word "comprising" does not exclude other devices or steps. The indefinite article "one" does not exclude plurality. The terms "first" and "second" are used to indicate names and do not indicate any particular order. Any reference signs in the claims shall not be construed as limiting the scope of protection. The functions of several parts recited in the claims may be realized by one single hardware or software module. The fact that certain technical features are recited in different dependent claims does not mean that these technical features cannot be combined to achieve advantageous effects.

Claims (34)

A payment method applied to a payment terminal,
upon sensing the contactless module of the user equipment, transmitting a contactless payment request command to the second cloud subsystem via the first cloud subsystem;
interacting a contactless payment application with the second cloud subsystem via the first cloud subsystem to obtain payment element information ;
transmitting the payment factor information to the user equipment via the contactless module;
receiving a payment cryptogram transmitted by the user equipment via the contactless module; transmitting the payment cryptogram to the second cloud subsystem via the first cloud subsystem; a sentence is generated based on the payment element information;
receiving payment result information transmitted by the second cloud subsystem via the first cloud subsystem. Interacting a contactless payment application with a second cloud subsystem via the first cloud subsystem to obtain payment element information ;
verifying a contactless payment environment with the second cloud subsystem via the first cloud subsystem, and transmitting the user equipment to the second cloud subsystem via the first cloud subsystem; transmitting an identifier for a supporting payment application;
selecting the second cloud subsystem and a payment application via the first cloud subsystem;
interacting payment element information with the second cloud subsystem via the first cloud subsystem, and receiving the payment transmitted by the second cloud subsystem via the first cloud subsystem; 2. The method of claim 1, comprising: receiving element information. verifying a contactless payment environment with the second cloud subsystem via the first cloud subsystem, and transmitting the user equipment to the second cloud subsystem via the first cloud subsystem; Transmitting the identifier of a supporting payment application is
The second cloud subsystem receives the contactless payment environment confirmation request message transmitted via the first cloud subsystem, and transmits the contactless payment environment confirmation request message to the user via the contactless module. transmitting the information to the device;
receiving a contactless payment environment acknowledgment message transmitted by the user equipment via the contactless module; and transmitting the contactless payment environment acknowledgment message to the second cloud subsystem via the first cloud subsystem. transmitting a message;
receiving an identifier of a payment application supported by the user equipment transmitted by the user equipment via the contactless module; and transmitting the user equipment to the second cloud subsystem via the first cloud subsystem. and transmitting an identifier of a supporting payment application. Selecting the second cloud subsystem and a payment application via the first cloud subsystem comprises:
the second cloud subsystem receiving target payment application information transmitted via the first cloud subsystem and transmitting the target payment application information to the user equipment via the contactless module; including,
2. The target payment application information is application information of at least one payment application supported by the user equipment and/or application information of at least one payment application supported by the second cloud subsystem. The method described in. interacting payment element information with the second cloud subsystem via the first cloud subsystem, and receiving the payment element transmitted by the second cloud subsystem via the first cloud subsystem; To receive information,
receiving a payment element request message transmitted by the user equipment via the contactless module, and transmitting the payment element request message to the second cloud subsystem via the first cloud subsystem; ,
The second cloud subsystem receives the payment element response message including the payment element information transmitted via the first cloud subsystem, and transmits the payment element response message to the contactless module via the contactless module. 3. The method of claim 2, comprising transmitting to user equipment. the contactless payment request instruction includes a terminal identifier of the payment terminal;
Interacting a contactless payment application with a second cloud subsystem via the first cloud subsystem to obtain payment element information ;
receiving an authentication response message transmitted from the first cloud subsystem, the authentication response message being used to indicate whether a terminal identifier of the payment terminal is valid;
When the authentication response message indicates that the terminal identifier of the payment terminal is valid, performing a contactless payment application interaction with a second cloud subsystem via the first cloud subsystem to process the payment. 2. The method of claim 1, comprising: obtaining element information . communicating between the payment terminal and the first cloud subsystem via a first slice network;
The method of claim 1, wherein communication between the first cloud subsystem and the second cloud subsystem is via a second slice network. The first slicing network includes a first slicing sub-network and a second slicing sub-network, the first slicing sub-network being used for interacting with a contactless payment application, and the first slicing sub-network being used for interacting with a contactless payment application; a slice sub-network is used to transmit the payment result information;
The second slicing network includes a third slicing sub-network, a fourth slicing sub-network and a fifth slicing sub-network, the third slicing sub-network for conducting contactless payment application interaction. 8. The method of claim 7, wherein the fourth slice sub-network is used to transmit payment information and the fifth slice sub-network is used to transmit the payment result information. A payment method applied to the second cloud subsystem, comprising:
In response to a contactless payment request command transmitted by a payment terminal via a first cloud subsystem, interacting the payment terminal with a contactless payment application via the first cloud subsystem, and receiving payment element information. and
transmitting the payment element information to the payment terminal via the first cloud subsystem;
receiving a payment cryptogram transmitted by the payment terminal via the first cloud subsystem, the payment cryptogram generated based on the payment element information;
the first cloud subsystem receiving payment information obtained based on the payment cryptogram and transmitting the payment information to a payment processing system;
A payment method comprising: obtaining payment result information fed back from the payment processing system and transmitting at least a portion of the payment result information to the payment terminal via the first cloud subsystem. Interacting a contactless payment application with the payment terminal via the first cloud subsystem to obtain payment element information;
identifying a contactless payment environment with the payment terminal via the first cloud subsystem, and an identifier of a payment application supported by the user equipment transmitted by the payment terminal via the first cloud subsystem; and to receive
selecting the payment terminal and payment application via the first cloud subsystem;
10. Interacting payment element information with the payment terminal via the first cloud subsystem, and transmitting the payment element information to the payment terminal via the first cloud subsystem. The method described in. Verifying the contactless payment environment with the payment terminal via the first cloud subsystem comprises:
transmitting a contactless payment environment confirmation request message to the payment terminal via the first cloud subsystem;
11. The method of claim 10, comprising: receiving a contactless payment environment acknowledgment message transmitted by the payment terminal via the first cloud subsystem. Selecting the payment terminal and payment application via the first cloud subsystem comprises:
establishing a candidate application identifier list based on identifiers of payment applications supported by the user equipment and identifiers of payment applications supported by the second cloud subsystem;
selecting a target application identifier from the application identifier candidate list, obtaining target payment information matching the target application identifier, and transmitting the target payment information to a payment terminal via the first cloud subsystem; 11. The method of claim 10. interacting payment element information with the payment terminal via the first cloud subsystem and transmitting the payment element information to the payment terminal via the first cloud subsystem;
receiving a payment element request message transmitted by the payment terminal via a first cloud subsystem;
generating a payment element response message including the payment element information based on the payment element request message;
11. The method of claim 10, comprising transmitting the payment element response message to the payment terminal via the first cloud subsystem. communicating between the payment terminal and the first cloud subsystem via a first slice network;
10. The method of claim 9, wherein the second cloud subsystem and the first cloud subsystem communicate via a second slice network. The first slicing network includes a first slicing sub-network and a second slicing sub-network, the first slicing sub-network being used for interacting with a contactless payment application, and the first slicing sub-network being used for interacting with a contactless payment application; a slice sub-network is used to transmit the payment result information;
The second slicing network includes a third slicing sub-network, a fourth slicing sub-network and a fifth slicing sub-network, the third slicing sub-network for conducting contactless payment application interaction. 15. The method of claim 14, wherein the fourth slice sub-network is used to transmit payment information and the fifth slice sub-network is used to transmit the payment result information. A payment method applied to the first cloud subsystem, comprising:
receiving a contactless payment request instruction sent from a payment terminal and transmitting the contactless payment request instruction to a second cloud subsystem;
interacting a contactless payment application between the payment terminal and the second cloud subsystem and transmitting payment element information sent from the second cloud subsystem to the payment terminal;
receiving a payment cryptogram transmitted from the payment terminal and transmitting the payment cryptogram to the second cloud subsystem, the payment cryptogram being generated based on the payment element information;
obtaining payment information matching the payment ciphertext based on the payment ciphertext, and transmitting the payment information to the second cloud subsystem;
receiving payment result information transmitted from the second cloud subsystem, and transmitting at least some of the payment result information to the payment terminal. performing a contactless payment application interaction between the payment terminal and the second cloud subsystem and transmitting payment element information sent from the second cloud subsystem to the payment terminal;
verifying a contactless payment environment between the payment terminal and the second cloud subsystem, and transparently transmitting an identifier of a payment application supported by the user equipment sent from the payment terminal to the second cloud subsystem; to do and
selecting a payment application between the payment terminal and the second cloud subsystem;
3. The method of claim 1, further comprising interacting payment element information between the payment terminal and the second cloud subsystem, and transparently transmitting the payment element information transmitted from the second cloud subsystem to the payment terminal. 16. The method described in 16. Confirming a contactless payment environment between the payment terminal and the second cloud subsystem includes:
transparently transmitting a contactless payment environment confirmation request message sent from the second cloud subsystem to the payment terminal;
18. The method of claim 17, comprising transparently transmitting a contactless payment environment acknowledgment message sent from the payment terminal to the second cloud subsystem. Selecting a payment application between the payment terminal and the second cloud subsystem comprises:
Transparently transmitting target payment application information sent from the second cloud subsystem to the payment terminal, the target payment application information comprising application information of at least one payment application supported by the user equipment and/or the first payment application; 18. The method of claim 17, comprising application information for at least one payment application supported by the second cloud subsystem. interactive payment element information between the payment terminal and the second cloud subsystem, and transparently transmitting the payment element information sent from the second cloud subsystem to the payment terminal;
transparently transmitting a payment element request message sent from the payment terminal to the second cloud subsystem;
18. The method of claim 17, comprising transparently transmitting a payment element response message sent from the second cloud subsystem to the payment terminal, the payment element response message including the payment element information. the contactless payment request instruction includes a terminal identifier of the payment terminal;
Interacting a contactless payment application with the payment terminal and the second cloud subsystem comprises:
Based on the terminal identifier of the payment terminal in the contactless payment request command, transmitting an authentication response message to the payment terminal to indicate whether the terminal identifier of the payment terminal is valid.
and, when the authentication response message indicates that the terminal identifier of the payment terminal is valid, interacting a contactless payment application with the payment terminal and the second cloud subsystem. 16. The method described in 16. communicating between the first cloud subsystem and the payment terminal via a first slice network;
17. The method of claim 16, wherein the first cloud subsystem and the second cloud subsystem communicate via a second slice network. The first slicing network includes a first slicing sub-network and a second slicing sub-network, the first slicing sub-network being used for interacting with a contactless payment application, and the first slicing sub-network being used for interacting with a contactless payment application; a slice sub-network is used to transmit the payment result information;
The second slicing network includes a third slicing sub-network, a fourth slicing sub-network and a fifth slicing sub-network, the third slicing sub-network for conducting contactless payment application interaction. 23. The method of claim 22, wherein the fourth slice sub-network is used to transmit payment information and the fifth slice sub-network is used to transmit the payment result information. sensing a contactless module of a user equipment; and transmitting payment factor information obtained through interaction of a contactless payment application to the user equipment via the contactless module; a contactless communication module used to receive the payment cryptogram transmitted via the payment cryptogram and generated based on the payment element information;
when the contactless communication module senses the contactless module of the user equipment , transmitting a contactless payment request command to a second cloud subsystem via a first cloud subsystem; interacting a contactless payment application with a second cloud subsystem via a subsystem; and transmitting the payment cryptogram to the second cloud subsystem via the first cloud subsystem. , a network communication module used to receive payment result information transmitted by the second cloud subsystem via the first cloud subsystem. 25. The payment terminal of claim 24, further comprising a central processing module for calling the contactless communication module and the network communication module. 25. The payment terminal of claim 24, wherein the network communication module communicates with the first cloud subsystem via a first slice network. interacting the payment terminal with the contactless payment application via the first cloud subsystem in response to a contactless payment request command transmitted by the payment terminal via the first cloud subsystem; transmitting payment element information to the payment terminal via the first cloud subsystem; and payment cryptograms transmitted by the payment terminal via the first cloud subsystem; receiving payment cryptograms generated based on the payment cryptograms; receiving payment information obtained by the first cloud subsystem based on the payment cryptograms; and transmitting the payment information to a payment processing system. , a network communication module used to obtain payment result information fed back from the payment processing system and transmit at least a portion of the payment result information to the payment terminal via the first cloud subsystem;
a processing module for obtaining payment element information through an interactive contactless payment application; and a cloud subsystem. 28. The cloud subsystem of claim 27, wherein the network communication module communicates with the first cloud subsystem via a second slice network. receiving a contactless payment request command sent from a payment terminal, transmitting the contactless payment request command to a second cloud subsystem, and contactless payment between the payment terminal and the second cloud subsystem; interacting with an application to transmit payment element information sent from the second cloud subsystem to the payment terminal; receiving payment cryptograms transmitted from the payment terminal; and transmitting the payment cryptograms to the payment terminal; transmitting the payment cryptogram to a second cloud subsystem, the payment cryptogram being generated based on the payment element information; transmitting the payment information to the second cloud subsystem; a network communication module used to receive payment result information transmitted from the system and transmit at least some of the payment result information to the payment terminal;
a processing module for obtaining the payment information matching the payment cryptogram based on the payment cryptogram. the network communication module communicates with the payment terminal via a first slice network;
30. The cloud subsystem of claim 29 , wherein the network communication module communicates with the second cloud subsystem via a second slice network. a payment terminal, a first cloud subsystem, and a second cloud subsystem;
The payment terminal is used to carry out the payment method according to any one of claims 1 to 8,
The second cloud subsystem is used to implement the payment method according to any one of claims 9 to 15,
The first cloud subsystem is a payment system used to implement the payment method according to any one of claims 16 to 23. 9. A processor, a storage device and a computer program stored in the storage device and executable on the processor, wherein the computer program, when executed by the processor, generates a payment according to any one of claims 1 to 8. A payment terminal that realizes the method. comprising a processor, a storage device and a computer program stored in the storage device and executable on the processor, the computer program, when executed by the processor, making a payment according to any one of claims 9 to 15. A cloud server implementing the method and/or the payment method according to any one of claims 16 to 23. A payment method according to any one of claims 1 to 8, a payment method according to any one of claims 9 to 15, or a payment method according to any one of claims 16 to 23, when executed by a processor. A computer-readable storage medium storing a computer program for realizing the payment method described in .