TW201931243A - Radio frequency identification technology-based payment implementation method and apparatus - Google Patents
Radio frequency identification technology-based payment implementation method and apparatus Download PDFInfo
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Abstract
Description
本說明書有關網際網路技術領域，尤其有關一種基於射頻識別技術實現支付的方法和裝置。This specification relates to the field of internet technology, and more particularly to a method and apparatus for implementing payment based on radio frequency identification technology.
隨著網際網路技術的快速發展，電子支付已逐漸取代傳統的紙幣支付，成為主流支付方式。電子支付可極大幅度地降低貨幣流通所帶來的各種發行、回收、損耗以及安全等成本，還可有效降低假幣對金融帶來的破壞。因此，需要提供便捷、可靠的電子支付方案。With the rapid development of Internet technology, electronic payment has gradually replaced traditional banknote payment and become the mainstream payment method. Electronic payment can greatly reduce the cost of various distribution, recycling, loss and security brought about by currency circulation, and can also effectively reduce the financial damage caused by counterfeit currency. Therefore, there is a need to provide a convenient and reliable electronic payment solution.
有鑑於此，本說明書提供一種基於射頻識別技術實現支付的方法和裝置。
具體地，本說明書是透過如下技術方案來實現的：
一種基於射頻識別技術實現支付的方法，應用在伺服器端，包括：
接收收款方設備發送的支付請求，所述支付請求中攜帶支付識別碼，所述支付識別碼由所述收款方設備基於射頻識別技術從付款方物件中設置的射頻線圈讀取；
查找所述支付識別碼綁定的付款方帳號；
基於所述付款方帳號處理所述支付請求。
一種基於射頻識別技術實現支付的方法，應用在客戶端，包括：
在接收到識別碼寫入指令後，產生支付識別碼；
基於射頻識別技術將所述支付識別碼寫入目標物件中設置的射頻線圈；
將所述支付識別碼發送給伺服器端，以供伺服器端將支付帳號和所述支付識別碼綁定，以在接收到攜帶所述支付識別碼的支付請求時，根據所述支付帳號處理所述支付請求；
其中，所述支付請求中攜帶的支付識別碼由收款方設備基於射頻識別技術從所述目標物件中設置的所述射頻線圈讀取。
一種基於射頻識別技術實現支付的裝置，應用在伺服器端，包括：
請求接收單元，接收收款方設備發送的支付請求，所述支付請求中攜帶支付識別碼，所述支付識別碼由所述收款方設備基於射頻識別技術從付款方物件中設置的射頻線圈讀取；
帳號查找單元，查找所述支付識別碼綁定的付款方帳號；
請求處理單元，基於所述付款方帳號處理所述支付請求。
一種基於射頻識別技術實現支付的裝置，應用在客戶端，包括：
識別碼產生單元，在接收到識別碼寫入指令後，產生支付識別碼；
識別碼寫入單元，基於射頻識別技術將所述支付識別碼寫入目標物件中設置的射頻線圈；
識別碼發送單元，將所述支付識別碼發送給伺服器端，以供伺服器端將支付帳號和所述支付識別碼綁定，以在接收到攜帶所述支付識別碼的支付請求時，根據所述支付帳號處理所述支付請求；
其中，所述支付請求中攜帶的支付識別碼由收款方設備基於射頻識別技術從所述目標物件中設置的所述射頻線圈讀取。
一種基於射頻識別技術實現支付的裝置，包括：
處理器；
用於儲存機器可執行指令的記憶體；
其中，透過讀取並執行所述記憶體儲存的與基於射頻識別技術實現支付的邏輯對應的機器可執行指令，所述處理器被促使：
接收收款方設備發送的支付請求，所述支付請求中攜帶支付識別碼，所述支付識別碼由所述收款方設備基於射頻識別技術從付款方物件中設置的射頻線圈讀取；
查找所述支付識別碼綁定的付款方帳號；
基於所述付款方帳號處理所述支付請求。
一種基於射頻識別技術實現支付的裝置，包括：
處理器；
用於儲存機器可執行指令的記憶體；
其中，透過讀取並執行所述記憶體儲存的與基於射頻識別技術實現支付的邏輯對應的機器可執行指令，所述處理器被促使：
在接收到識別碼寫入指令後，產生支付識別碼；
基於射頻識別技術將所述支付識別碼寫入目標物件中設置的射頻線圈；
將所述支付識別碼發送給伺服器端，以供伺服器端將支付帳號和所述支付識別碼綁定，以在接收到攜帶所述支付識別碼的支付請求時，根據所述支付帳號處理所述支付請求；
其中，所述支付請求中攜帶的支付識別碼由收款方設備基於射頻識別技術從所述目標物件中設置的所述射頻線圈讀取。
由此可以看出，本說明書可將支付識別碼寫入射頻線圈中，用戶可將射頻線圈放置在便攜物件中實現支付功能，方便、快捷。同時，無需對射頻線圈進行供電，相較於傳統技術中採用手環等可穿戴設備進行支付的方案，可用性更高、適用範圍更廣。In view of this, the present specification provides a method and apparatus for implementing payment based on radio frequency identification technology.
Specifically, the present specification is implemented by the following technical solutions:
A method for implementing payment based on radio frequency identification technology, which is applied to a server end, and includes:
Receiving a payment request sent by the payee device, where the payment request carries a payment identification code, and the payment identification code is read by the payee device based on a radio frequency identification technology from a radio frequency coil set in the payer object;
Finding a payer account bound by the payment identifier;
The payment request is processed based on the payer account number.
A method for implementing payment based on radio frequency identification technology, applied to a client, including:
After receiving the identification code writing instruction, generating a payment identification code;
Writing the payment identification code to the radio frequency coil set in the target object based on radio frequency identification technology;
Sending the payment identification code to the server end, so that the server end binds the payment account number and the payment identification code to process according to the payment account when receiving the payment request carrying the payment identification code. The payment request;
The payment identification code carried in the payment request is read by the payee device based on the radio frequency identification technology from the radio frequency coil set in the target object.
A device for implementing payment based on radio frequency identification technology, which is applied to a server end, and includes:
Receiving, by the request receiving unit, a payment request sent by the payee device, where the payment request carries a payment identification code, and the payment identification code is read by the payee device based on the radio frequency identification technology and is set from the radio frequency coil set in the payment party object take;
An account search unit, searching for a payer account bound by the payment identifier;
A request processing unit processes the payment request based on the payer account number.
A device for implementing payment based on radio frequency identification technology, applied to a client, including:
The identification code generating unit generates a payment identification code after receiving the identification code writing instruction;
The identification code writing unit writes the payment identification code into the radio frequency coil set in the target object based on the radio frequency identification technology;
The identifier sending unit sends the payment identification code to the server end, so that the server end binds the payment account number and the payment identification code to receive the payment request carrying the payment identification code, according to The payment account processing the payment request;
The payment identification code carried in the payment request is read by the payee device based on the radio frequency identification technology from the radio frequency coil set in the target object.
A device for implementing payment based on radio frequency identification technology, comprising:
processor;
a memory for storing machine executable instructions;
Wherein, by reading and executing the machine-executable instructions of the memory storage corresponding to the logic implemented by the radio frequency identification technology, the processor is caused to:
Receiving a payment request sent by the payee device, where the payment request carries a payment identification code, and the payment identification code is read by the payee device based on a radio frequency identification technology from a radio frequency coil set in the payer object;
Finding a payer account bound by the payment identifier;
The payment request is processed based on the payer account number.
A device for implementing payment based on radio frequency identification technology, comprising:
processor;
a memory for storing machine executable instructions;
Wherein, by reading and executing the machine-executable instructions of the memory storage corresponding to the logic implemented by the radio frequency identification technology, the processor is caused to:
After receiving the identification code writing instruction, generating a payment identification code;
Writing the payment identification code to the radio frequency coil set in the target object based on radio frequency identification technology;
Sending the payment identification code to the server end, so that the server end binds the payment account number and the payment identification code to process according to the payment account when receiving the payment request carrying the payment identification code. The payment request;
The payment identification code carried in the payment request is read by the payee device based on the radio frequency identification technology from the radio frequency coil set in the target object.
It can be seen that the present specification can write the payment identification code into the radio frequency coil, and the user can place the radio frequency coil in the portable object to realize the payment function, which is convenient and quick. At the same time, there is no need to supply power to the RF coil, and the solution for paying with a wearable device such as a wristband in the conventional technology has higher availability and wider application range.
這裡將詳細地對示例性實施例進行說明，其示例表示在圖式中。下面的描述涉及圖式時，除非另有表示，不同圖式中的相同數字表示相同或相似的要素。以下示例性實施例中所描述的實施方式並不代表與本說明書相一致的所有實施方式。相反地，它們僅是與如所附申請專利範圍中所詳述的、本說明書的一些態樣相一致的裝置和方法的例子。
在本說明書使用的術語是僅僅出於描述特定實施例的目的，而非旨在限制本說明書。在本說明書和所附申請專利範圍中所使用的單數形式的“一種”、“所述”和“該”也旨在包括多數形式，除非上下文清楚地表示其他含義。還應當理解，本文中使用的術語“和/或”是指並包含一個或多個相關聯的列出專案的任何或所有可能組合。
應當理解，儘管在本說明書可能採用術語第一、第二、第三等來描述各種資訊，但這些資訊不應限於這些術語。這些術語僅用來將同一類型的資訊彼此區分開。例如，在不脫離本說明書範圍的情況下，第一資訊也可以被稱為第二資訊，類似地，第二資訊也可以被稱為第一資訊。取決於語境，如在此所使用的詞語“如果”可以被解釋成為“在……時”或“當……時”或“回應於確定”。
本說明書提供一種基於射頻識別技術實現支付的方案，請參考圖1，可透過終端設備向射頻線圈中寫入支付識別碼，並可將射頻線圈放入手機殼、手錶、飾品等可攜式物件中。在進行支付時，可將可攜式物件靠近收款方設備，收款方設備在讀取到射頻線圈中攜帶的支付識別碼後，可將攜帶該支付識別碼的支付請求發送給伺服器端，由伺服器端查找該支付識別碼綁定的支付帳號，並完成支付。整個過程無需用戶使用終端等設備，方便、快捷。
下面分別從支付識別碼的寫入、支付實現、支付帳號的解綁三個態樣來描述本說明書的具體實現過程。
一、支付識別碼的寫入
在本實施例中，有支付需求的用戶可透過手機等終端中裝載的客戶端軟體登錄伺服器端，這部分的處理與實現可以參照相關技術，本說明書在此不再一一贅述。
在本實施例中，用戶可透過客戶端輸入識別碼寫入指令，例如，可透過指定的按鈕實現識別碼寫入指令的輸入，當然，也可以透過聲控等方式實現識別碼寫入指令的輸入。
在本實施例中，客戶端在接收到該識別碼寫入指令後，可產生後續用於支付的識別碼，可將該識別碼稱為支付識別碼。例如，可隨機產生一串字串作為所述支付識別碼，當然，也可以透過預定的演算法產生支付識別碼，本說明書對此不作特殊限制。
在產生所述支付識別碼後，可以透過射頻識別技術將所述支付識別碼寫入到射頻線圈中。其中，所述射頻識別技術可以為NFC(Near Field Communication，近場通訊技術)，相應的，所述射頻線圈為NFC線圈。
在將所述支付識別碼成功寫入射頻線圈後，一方面，可將該射頻線圈放置在手機殼、手錶、飾品、包包、鑰匙扣等便攜物件中。
另一方面，客戶端可將產生的支付識別碼發送給伺服器端。
伺服器端在接收到該支付識別碼後，可對該支付識別碼進行唯一性校驗，在確定該支付識別碼全域唯一時，可以將該支付識別碼和客戶端的登錄帳號綁定，即將該支付識別碼和用戶的支付帳號綁定。
當然，在上述過程中，支付識別碼的產生也可以由伺服器端來實現。
可選地，客戶端在接收到付款方用戶的識別碼寫入指令後，可發送支付識別碼產生請求給伺服器端，由伺服器端產生全域唯一的支付識別碼，並返回給客戶端。
客戶端進而可以透過射頻識別技術將該支付識別碼寫入到射頻線圈中，並可向伺服器端返回寫入成功的消息。
伺服器端在接收到該寫入成功的消息後，可以將產生的所述支付識別碼和用戶的支付帳號綁定。
由此可以看出，本實施例可將支付識別碼寫入射頻線圈中，用戶可將射頻線圈放置在便攜物件中實現支付功能，方便、快捷。同時，無需對射頻線圈進行供電，相較於傳統技術中採用手環等可穿戴設備進行支付的方案，可用性更高、適用範圍更廣。
可選地，為避免其他寫有資料的射頻裝置給收款方設備造成干擾，客戶端在寫入支付識別碼時，可以對先對該支付識別碼進行加密，並將加密後的支付識別碼寫入射頻線圈。後續，收款方設備在讀取到加密後的支付識別碼後，可先對其進行解密校驗處理。
若校驗通過，可以發送支付請求到伺服器端。
若校驗不通過，則無需發送支付請求到伺服器端。
在本實施例中，用戶還可透過客戶端設定射頻線圈的支付限額。
具體而言，為確保支付帳號安全，針對使用射頻線圈進行支付的支付方式，用戶可設定較小的支付限額，例如，200元。
在一個例子中，用戶可以在進行支付識別碼寫入時，設定支付限額，例如，在成功寫入支付識別碼之後，客戶端可提示用戶進行支付限額的設定。
在另一個例子中，用戶也可以後續在使用過程中設定支付限額，例如，透過客戶端的指定入口進行支付限額的設定。
當然，在實際應用中，若用戶未設定支付限額，則伺服器端也可以使用缺省的支付限額。後續，用戶可以透過客戶端對支付限額進行修改等操作。
由此可以看出，本實施例透過對支付限額的設定，可有效確保用戶支付帳號的資金安全。
二、支付實現
圖2是本說明書一示例性實施例示出的一種基於射頻識別技術實現支付的方法的流程示意圖。
在本實施例中，以射頻識別技術是NFC技術為例進行描述，基於NFC技術實現支付的方法可由設置有NFC線圈的收款方物件(後續簡稱為NFC物件)、收款方部署的NFC收款設備(後續簡稱為NFC收款設備)、伺服器端配合實現。
請參考圖2，該支付實現方法可以包括以下步驟：
步驟202，NFC物件靠近NFC收款設備。
在本實施例中，NFC物件中設置的NFC線圈內寫有支付識別碼，該支付識別碼的寫入方式可參考前述實施例，本說明書在此不再一一贅述。
在本實施例中，持有NFC物件的用戶在進行支付時，可將該NFC物件靠近NFC收款設備。
步驟204，NFC收款設備從該NFC物件設置的NFC線圈中讀取支付識別碼。
步驟206，NFC收款設備發送攜帶所述支付識別碼的支付請求到伺服器端。
在本實施例中，當檢測到NFC物件靠近後，NFC收款設備可以從該NFC物件設置的NFC線圈中讀取到支付識別碼。
在一個例子中，若所述支付識別碼未被加密，則NFC收款設備可以將該支付識別碼添加到支付請求中發送給伺服器端。該支付請求中通常還攜帶有收款方標識、時間、流水號等資訊，這部分的處理與實現可以參照相關技術，本說明書在此不再一一贅述。
在另一個例子中，若所述支付識別碼被加密，則NFC收款設備可以先對其進行解密校驗。
若校驗通過，則可以將支付識別碼添加到支付請求中發送給伺服器端。
若校驗不通過，則可認定NFC物件是非法物件或干擾物件，無需發送支付請求到伺服器端。NFC收款設備還可以輸出告警音以進行提示。
步驟208，伺服器端查找該支付識別碼綁定的支付帳號。
基於前述步驟206，伺服器端在接收到攜帶有支付識別碼的支付請求後，可以查找該支付識別碼綁定的支付帳號。
步驟210，伺服器端確定該支付識別碼綁定的支付限額。
基於前述步驟206，伺服器端在接收到攜帶有支付識別碼的支付請求後，還可以判斷該支付識別碼是否對應有支付限額。
若對應有支付限額，則可以獲取該支付限額。
值得注意的是，本說明書並不限制步驟208和步驟210的執行順序，在其他例子中，也可以先執行步驟210，或者並存執行步驟208和步驟210。
步驟212，伺服器端確定支付金額未超出該支付限額。
在本實施例中，伺服器端判斷支付請求對應的支付金額是否超出上述支付限額。
其中，所述支付金額可以從支付請求中獲取，所述支付金額也可以由伺服器端根據支付請求中攜帶的收款方標識查找，本說明書對此不作特殊限制。
若所述支付金額未超出上述支付限額，則可以執行步驟214。
若所述支付金額超出上述支付限額，則可以向NFC收款設備返回支付失敗的消息，NFC收款設備進而可以透過語音、文字等方式提示用戶。
步驟214，伺服器端基於查找到的支付帳號處理所述支付請求。
基於前述步驟212的判斷結果，當支付金額未超出支付限額時，伺服器端可以基於支付識別碼綁定的支付帳號處理上述支付請求。例如，從所述支付帳號中扣除所述支付金額，在NFC收款設備綁定的收款帳號中存入所述支付金額等。
在本實施例中，當所述支付請求被成功處理後，一方面，伺服器端可以向NFC收款設備返回付款成功的提示。NFC收款設備進而可以透過語音、文字等方式提示用戶付款成功。另一方面，伺服器端還可以向支付識別碼綁定的支付帳號發送付款資訊，以提示用戶付款成功。
由以上描述可以看出，用戶可透過設置有NFC線圈的物件實現支付，整個過程無需用戶使用手機等終端設備，方便、快捷。
三、支付帳號的解綁
仍以NFC技術為例，為避免寫入有支付識別碼的NFC線圈丟失，給用戶帶來經濟損失。本實施例提供有支付帳號解綁的實現方案。
在本實施例中，當設置有NFC線圈的物件丟失，或者用戶不再想使用NFC線圈實現支付時，用戶可以透過客戶端輸入解綁指令，客戶端進而可以發送解綁請求給伺服器端，伺服器端可以查找用戶支付帳號綁定的支付識別碼，並解除該支付識別碼和該支付帳號的綁定關係。
後續，即便其他用戶拾到設置有該NFC線圈的物件，並使用該NFC物件進行支付，由於伺服器端無法查找到支付識別碼綁定的支付帳號，進而無法實現支付，保證了用戶的資金安全。
需要說明的是，在實際應用中，同一個支付帳號可以綁定多個支付識別碼，即用戶可以擁有多個寫有支付識別碼的NFC物件，其中每個NFC物件設置的NFC線圈中寫有的支付識別碼不同。當某個NFC物件丟失時，用戶可以根據物件標識等資訊解除該丟失NFC物件的NFC線圈中寫有的支付識別碼和其支付帳號的綁定關係，從而在確保資金安全的同時，不影響其他NFC物件的使用。
與前述基於射頻識別技術實現支付的方法的實施例相對應，本說明書還提供了基於射頻識別技術實現支付的裝置的實施例。
本說明書基於射頻識別技術實現支付的裝置的實施例可以應用在伺服器上。裝置實施例可以透過軟體實現，也可以透過硬體或者軟硬體結合的方式來實現。以軟體實現為例，作為一個邏輯意義上的裝置，是透過其所在伺服器的處理器將非易失性記憶體中對應的電腦程式指令讀取到記憶體中運行形成的。從硬體層面而言，如圖3所示，為本說明書基於射頻識別技術實現支付的裝置所在伺服器的一種硬體結構圖，除了圖3所示的處理器、記憶體、網路介面、以及非易失性記憶體之外，實施例中基於射頻識別技術實現支付的裝置所在的伺服器通常根據該伺服器的實際功能，還可以包括其他硬體，對此不再贅述。
圖4是本說明書一示例性實施例示出的一種基於射頻識別技術實現支付的裝置的方塊圖。
請參考圖4，所述基於射頻識別技術實現支付的裝置300可以應用在前述圖3所示的伺服器中，包括有：請求接收單元301、帳號查找單元302、請求處理單元303、第一綁定單元304以及第二綁定單元305。
其中，請求接收單元301，接收收款方設備發送的支付請求，所述支付請求中攜帶支付識別碼，所述支付識別碼由所述收款方設備基於射頻識別技術從付款方物件中設置的射頻線圈讀取；
帳號查找單元302，查找所述支付識別碼綁定的付款方帳號；
請求處理單元303，基於所述付款方帳號處理所述支付請求。
可選地，所述支付識別碼由付款方客戶端產生並基於射頻識別技術寫入所述射頻線圈；
所述裝置還包括：
第一綁定單元304，接收付款方客戶端產生的所述支付識別碼；將所述支付識別碼和付款方帳號綁定。
可選地，所述第一綁定單元304，還接收付款方客戶端發送的支付限額；將所述支付識別碼和所述支付限額綁定；
所述請求處理單元303，當所述支付請求對應的支付金額未超出所述支付識別碼綁定的支付限額時，基於所述付款方帳號處理所述支付請求。
可選地，所述第一綁定單元304，還接收付款方客戶端發送的解綁請求；解除付款方帳號和所述支付識別碼的綁定。
第二綁定單元305，在接收到付款方客戶端發送的支付識別碼產生請求後，產生支付識別碼；將所述支付識別碼和付款方帳號綁定；將所述支付識別碼發送給付款方客戶端，以供付款方客戶端基於射頻識別技術將所述支付識別碼寫入所述射頻線圈。
可選地，所述射頻線圈是NFC線圈，所述收款方設備是NFC讀寫設備，所述射頻識別技術是NFC技術。
與前述基於射頻識別技術實現支付的方法的實施例相對應，本說明書還提供了基於射頻識別技術實現支付的裝置的實施例。
本說明書基於射頻識別技術實現支付的裝置的實施例可以應用在終端上。裝置實施例可以透過軟體來實現，也可以透過硬體或者軟硬體結合的方式來實現。以軟體實現為例，作為一個邏輯意義上的裝置，是透過其所在終端的處理器將非易失性記憶體中對應的電腦程式指令讀取到記憶體中運行形成的。從硬體層面而言，如圖5所示，為本說明書基於射頻識別技術實現支付的裝置所在終端的一種硬體結構圖，除了圖5所示的處理器、記憶體、網路介面、以及非易失性記憶體之外，實施例中基於射頻識別技術實現支付的裝置所在的終端通常根據該終端的實際功能，還可以包括其他硬體，對此不再贅述。
圖6是本說明書一示例性實施例示出的另一種基於射頻識別技術實現支付的裝置的方塊圖。
請參考圖6，所述基於射頻識別技術實現支付的裝置500可以應用在前述圖5所示的終端中，包括有：識別碼產生單元501、識別碼寫入單元502、識別碼發送單元503、限額設定單元504以及識別碼解綁單元505。
其中，識別碼產生單元501，在接收到識別碼寫入指令後，產生支付識別碼；
識別碼寫入單元502，基於射頻識別技術將所述支付識別碼寫入目標物件中設置的射頻線圈；
識別碼發送單元503，將所述支付識別碼發送給伺服器端，以供伺服器端將支付帳號和所述支付識別碼綁定，以在接收到攜帶所述支付識別碼的支付請求時，根據所述支付帳號處理所述支付請求；
其中，所述支付請求中攜帶的支付識別碼由收款方設備基於射頻識別技術從所述目標物件中設置的所述射頻線圈讀取。
限額設定單元504，獲取支付限額，並將所述支付限額發送給伺服器端，以供伺服器端將所述支付限額和所述支付識別碼綁定，以供伺服器端在所述支付請求對應的支付金額未超出所述支付識別碼綁定的支付限額時，基於所述支付帳號處理所述支付請求。
識別碼解綁單元505，在接收到解綁指令後，發送解綁請求給伺服器端，以供伺服器端解除所述支付帳號和所述支付識別碼的綁定。
可選地，所述射頻線圈是NFC線圈，所述射頻識別技術是NFC技術。
上述裝置中各個單元的功能和作用的實現過程具體詳見上述方法中對應步驟的實現過程，在此不再贅述。
對於裝置實施例而言，由於其基本對應於方法實施例，所以相關之處參見方法實施例的部分說明即可。以上所描述的裝置實施例僅僅是示意性的，其中所述作為分離部件說明的單元可以是或者也可以不是物理上分開的，作為單元顯示的部件可以是或者也可以不是物理單元，即可以位於一個地方，或者也可以分佈到多個網路單元上。可以根據實際的需要選擇其中的部分或者全部模組來實現本說明書方案的目的。本領域普通技術人員在不付出創造性勞動的情況下，即可以理解並實施。
上述實施例闡明的系統、裝置、模組或單元，具體可以由電腦晶片或實體來實現，或者由具有某種功能的產品來實現。一種典型的實現設備為電腦，電腦的具體形式可以是個人電腦、膝上型電腦、蜂巢式電話、相機電話、智慧型電話、個人數位助理、媒體播放器、導航設備、電子郵件收發設備、遊戲控制台、平板電腦、穿戴式設備或者這些設備中的任意幾種設備的組合。
與前述基於射頻識別技術實現支付的方法的實施例相對應，本說明書還提供一種基於射頻識別技術實現支付的裝置，該基於射頻識別技術實現支付的裝置包括：處理器以及用於儲存機器可執行指令的記憶體。其中，處理器和記憶體通常借由內部匯流排相互連接。在其他可能的實現方式中，所述設備還可能包括外部介面，以能夠與其他設備或者部件進行通訊。
在本實施例中，透過讀取並執行所述記憶體儲存的與基於射頻識別技術實現支付的邏輯對應的機器可執行指令，所述處理器被促使：
接收收款方設備發送的支付請求，所述支付請求中攜帶支付識別碼，所述支付識別碼由所述收款方設備基於射頻識別技術從付款方物件中設置的射頻線圈讀取；
查找所述支付識別碼綁定的付款方帳號；
基於所述付款方帳號處理所述支付請求。
可選地，所述支付識別碼由付款方客戶端產生並基於射頻識別技術寫入所述射頻線圈；
透過讀取並執行所述記憶體儲存的與基於射頻識別技術實現支付的邏輯對應的機器可執行指令，所述處理器還被促使：
接收付款方客戶端產生的所述支付識別碼；
將所述支付識別碼和付款方帳號綁定。
可選地，透過讀取並執行所述記憶體儲存的與基於射頻識別技術實現支付的邏輯對應的機器可執行指令，所述處理器還被促使：
接收付款方客戶端發送的支付限額；
將所述支付識別碼和所述支付限額綁定；
所述基於所述付款方帳號處理所述支付請求，包括：
當所述支付請求對應的支付金額未超出所述支付識別碼綁定的支付限額時，基於所述付款方帳號處理所述支付請求。
可選地，透過讀取並執行所述記憶體儲存的與基於射頻識別技術實現支付的邏輯對應的機器可執行指令，所述處理器還被促使：
接收付款方客戶端發送的解綁請求；
解除付款方帳號和所述支付識別碼的綁定。
可選地，透過讀取並執行所述記憶體儲存的與基於射頻識別技術實現支付的邏輯對應的機器可執行指令，所述處理器還被促使：
在接收到付款方客戶端發送的支付識別碼產生請求後，產生支付識別碼；
將所述支付識別碼和付款方帳號綁定；
將所述支付識別碼發送給付款方客戶端，以供付款方客戶端基於射頻識別技術將所述支付識別碼寫入所述射頻線圈。
可選地，所述射頻線圈是NFC線圈，所述收款方設備是NFC讀寫設備，所述射頻識別技術是NFC技術。
與前述基於射頻識別技術實現支付的方法的實施例相對應，本說明書還提供一種基於射頻識別技術實現支付的裝置，該基於射頻識別技術實現支付的裝置包括：處理器以及用於儲存機器可執行指令的記憶體。其中，處理器和記憶體通常借由內部匯流排相互連接。在其他可能的實現方式中，所述設備還可能包括外部介面，以能夠與其他設備或者部件進行通訊。
在本實施例中，透過讀取並執行所述記憶體儲存的與基於射頻識別技術實現支付的邏輯對應的機器可執行指令，所述處理器被促使：
在接收到識別碼寫入指令後，產生支付識別碼；
基於射頻識別技術將所述支付識別碼寫入目標物件中設置的射頻線圈；
將所述支付識別碼發送給伺服器端，以供伺服器端將支付帳號和所述支付識別碼綁定，以在接收到攜帶所述支付識別碼的支付請求時，根據所述支付帳號處理所述支付請求；
其中，所述支付請求中攜帶的支付識別碼由收款方設備基於射頻識別技術從所述目標物件中設置的所述射頻線圈讀取。
可選地，透過讀取並執行所述記憶體儲存的與基於射頻識別技術實現支付的邏輯對應的機器可執行指令，所述處理器被促使：
獲取支付限額，並將所述支付限額發送給伺服器端，以供伺服器端將所述支付限額和所述支付識別碼綁定，以供伺服器端在所述支付請求對應的支付金額未超出所述支付識別碼綁定的支付限額時，基於所述支付帳號處理所述支付請求。
可選地，透過讀取並執行所述記憶體儲存的與基於射頻識別技術實現支付的邏輯對應的機器可執行指令，所述處理器被促使：
在接收到解綁指令後，發送解綁請求給伺服器端，以供伺服器端解除所述支付帳號和所述支付識別碼的綁定。
可選地，所述射頻線圈是NFC線圈，所述射頻識別技術是NFC技術。
與前述基於射頻識別技術實現支付的方法的實施例相對應，本說明書還提供一種電腦可讀儲存媒體，所述電腦可讀儲存媒體上儲存有電腦程式，該程式被處理器執行時實現以下步驟：
接收收款方設備發送的支付請求，所述支付請求中攜帶支付識別碼，所述支付識別碼由所述收款方設備基於射頻識別技術從付款方物件中設置的射頻線圈讀取；
查找所述支付識別碼綁定的付款方帳號；
基於所述付款方帳號處理所述支付請求。
可選地，所述支付識別碼由付款方客戶端產生並基於射頻識別技術寫入所述射頻線圈；
所述方法還包括：
接收付款方客戶端產生的所述支付識別碼；
將所述支付識別碼和付款方帳號綁定。
可選地，還包括：
接收付款方客戶端發送的支付限額；
將所述支付識別碼和所述支付限額綁定；
所述基於所述付款方帳號處理所述支付請求，包括：
當所述支付請求對應的支付金額未超出所述支付識別碼綁定的支付限額時，基於所述付款方帳號處理所述支付請求。
可選地，還包括：
接收付款方客戶端發送的解綁請求；
解除付款方帳號和所述支付識別碼的綁定。
可選地，還包括：
在接收到付款方客戶端發送的支付識別碼產生請求後，產生支付識別碼；
將所述支付識別碼和付款方帳號綁定；
將所述支付識別碼發送給付款方客戶端，以供付款方客戶端基於射頻識別技術將所述支付識別碼寫入所述射頻線圈。
可選地，所述射頻線圈是NFC線圈，所述收款方設備是NFC讀寫設備，所述射頻識別技術是NFC技術。
與前述基於射頻識別技術實現支付的方法的實施例相對應，本說明書還提供一種電腦可讀儲存媒體，所述電腦可讀儲存媒體上儲存有電腦程式，該程式被處理器執行時實現以下步驟：
在接收到識別碼寫入指令後，產生支付識別碼；
基於射頻識別技術將所述支付識別碼寫入目標物件中設置的射頻線圈；
將所述支付識別碼發送給伺服器端，以供伺服器端將支付帳號和所述支付識別碼綁定，以在接收到攜帶所述支付識別碼的支付請求時，根據所述支付帳號處理所述支付請求；
其中，所述支付請求中攜帶的支付識別碼由收款方設備基於射頻識別技術從所述目標物件中設置的所述射頻線圈讀取。
可選地，還包括：
獲取支付限額，並將所述支付限額發送給伺服器端，以供伺服器端將所述支付限額和所述支付識別碼綁定，以供伺服器端在所述支付請求對應的支付金額未超出所述支付識別碼綁定的支付限額時，基於所述支付帳號處理所述支付請求。
可選地，還包括：
在接收到解綁指令後，發送解綁請求給伺服器端，以供伺服器端解除所述支付帳號和所述支付識別碼的綁定。
可選地，所述射頻線圈是NFC線圈，所述射頻識別技術是NFC技術。
上述對本說明書特定實施例進行了描述。其它實施例在所附申請專利範圍內。在一些情況下，在申請專利範圍中記載的動作或步驟可以按照不同於實施例中的順序來執行並且仍然可以實現期望的結果。另外，在圖式中描繪的過程不一定要求示出的特定順序或者連續順序才能實現期望的結果。在某些實施方式中，多工處理和並行處理也是可以的或者可能是有利的。
以上所述僅為本說明書的較佳實施例而已，並不用以限制本說明書，凡在本說明書的精神和原則之內，所做的任何修改、等同替換、改進等，均應包含在本說明書保護的範圍之內。Exemplary embodiments will be described in detail herein, examples of which are illustrated in the drawings. When the following description refers to the drawings, the same numerals in the different figures represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present specification. Rather, they are merely examples of devices and methods consistent with aspects of the specification as detailed in the appended claims.
The terminology used in the description is for the purpose of describing particular embodiments, and is not intended to The singular forms "a", "the" and "the" It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items.
It should be understood that although the terms first, second, third, etc. may be used in this specification to describe various information, such information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other. For example, the first information may also be referred to as the second information without departing from the scope of the present specification. Similarly, the second information may also be referred to as the first information. Depending on the context, the word "if" as used herein may be interpreted as "when" or "when" or "in response to a determination."
The present specification provides a solution for implementing payment based on radio frequency identification technology. Please refer to FIG. 1 , the payment identification code can be written into the radio frequency coil through the terminal device, and the radio frequency coil can be put into the portable case, the watch, the jewelry, and the like. In the object. When the payment is made, the portable item can be brought close to the payee device, and after the payee device reads the payment identification code carried in the radio frequency coil, the payment request carrying the payment identification code can be sent to the server end. The server side searches for the payment account bound by the payment identifier and completes the payment. The whole process does not require the user to use a device such as a terminal, which is convenient and fast.
The following describes the specific implementation process of the present specification from three aspects: the writing of the payment identification code, the implementation of the payment, and the unbinding of the payment account.
1. The writing of the payment identification code In the embodiment, the user who has the payment requirement can log in to the server through the client software loaded in the terminal such as the mobile phone. The processing and implementation of this part can refer to related technologies, and the present specification is here. I will not repeat them one by one.
In this embodiment, the user can input an identification code writing instruction through the client. For example, the input of the identification code writing instruction can be realized through a designated button. Of course, the input of the identification code writing instruction can also be realized through voice control or the like. .
In this embodiment, after receiving the identifier write command, the client may generate an identifier for subsequent payment, which may be referred to as a payment identifier. For example, a string of characters may be randomly generated as the payment identification code. Of course, the payment identification code may also be generated through a predetermined algorithm, which is not specifically limited in this specification.
After the payment identification code is generated, the payment identification code can be written into the radio frequency coil through radio frequency identification technology. The radio frequency identification technology may be NFC (Near Field Communication). Correspondingly, the radio frequency coil is an NFC coil.
After the payment identification code is successfully written into the radio frequency coil, on the one hand, the radio frequency coil can be placed in a portable object such as a mobile phone case, a watch, an accessory, a bag, a key fob, or the like.
On the other hand, the client can send the generated payment identifier to the server.
After receiving the payment identification code, the server end may perform uniqueness verification on the payment identification code. When determining that the payment identification code is unique in the whole domain, the payment identification code may be bound to the login account of the client, that is, the The payment identification code is tied to the user's payment account number.
Of course, in the above process, the generation of the payment identification code can also be implemented by the server.
Optionally, after receiving the identifier write command of the payer user, the client may send a payment identifier generation request to the server, and the server generates a globally unique payment identifier and returns it to the client.
The client can then write the payment identification code into the RF coil through the RFID technology, and can return a message of successful writing to the server.
After receiving the message that the writing is successful, the server end may bind the generated payment identification code to the payment account of the user.
It can be seen that the embodiment can write the payment identification code into the radio frequency coil, and the user can place the radio frequency coil in the portable object to realize the payment function, which is convenient and fast. At the same time, there is no need to supply power to the RF coil, and the solution for paying with a wearable device such as a wristband in the conventional technology has higher availability and wider application range.
Optionally, in order to prevent other radio frequency devices with data from causing interference to the payee device, the client may encrypt the payment identification code and write the encrypted payment identification code when writing the payment identification code. Write to the RF coil. Subsequently, after the cashier device reads the encrypted payment identification code, it can perform decryption verification processing.
If the verification is passed, a payment request can be sent to the server.
If the verification fails, there is no need to send a payment request to the server.
In this embodiment, the user can also set the payment limit of the radio frequency coil through the client.
Specifically, in order to ensure the security of the payment account, the user can set a smaller payment limit for the payment method using the RF coil for payment, for example, 200 yuan.
In one example, the user can set a payment limit when the payment identification code is written. For example, after successfully writing the payment identification code, the client can prompt the user to set the payment limit.
In another example, the user may also subsequently set a payment limit during use, for example, setting a payment limit through a designated entry of the client.
Of course, in practical applications, if the user does not set a payment limit, the server can also use the default payment limit. Subsequently, the user can modify the payment limit through the client.
It can be seen that the setting of the payment limit can effectively ensure the security of the funds paid by the user for the account.
II. Payment Implementation FIG. 2 is a schematic flowchart diagram of a method for implementing payment based on radio frequency identification technology according to an exemplary embodiment of the present specification.
In this embodiment, the radio frequency identification technology is an NFC technology as an example, and the method for implementing payment based on the NFC technology may be collected by an NFC device with an NFC coil (hereinafter referred to as an NFC object) and an NFC deployed by a payee. The device (hereinafter referred to as NFC collection device) and the server end are implemented.
Referring to FIG. 2, the payment implementation method may include the following steps:
In step 202, the NFC object is adjacent to the NFC collection device.
In this embodiment, a payment identification code is written in the NFC coil provided in the NFC object. For the manner of writing the payment identification code, refer to the foregoing embodiment, and the description is not repeated herein.
In this embodiment, the user holding the NFC object can approach the NFC receipt device when making a payment.
Step 204: The NFC collection device reads the payment identification code from the NFC coil set by the NFC object.
Step 206: The NFC collection device sends a payment request carrying the payment identification code to the server.
In this embodiment, when it is detected that the NFC object is approached, the NFC receiving device can read the payment identification code from the NFC coil set by the NFC object.
In one example, if the payment identification code is not encrypted, the NFC collection device can add the payment identification code to the payment request and send it to the server. The payment request usually carries information such as the payee identification, time, and serial number. The processing and implementation of this part can refer to related technologies, and the description is not repeated herein.
In another example, if the payment identification code is encrypted, the NFC collection device may first perform decryption verification on it.
If the verification is passed, the payment identification code can be added to the payment request and sent to the server.
If the verification fails, it can be determined that the NFC object is an illegal object or an interference object, and there is no need to send a payment request to the server. The NFC collection device can also output an alarm tone for prompting.
Step 208: The server side searches for a payment account bound to the payment identifier.
Based on the foregoing step 206, after receiving the payment request carrying the payment identifier, the server may search for the payment account bound by the payment identifier.
Step 210: The server determines the payment limit bound by the payment identifier.
Based on the foregoing step 206, after receiving the payment request carrying the payment identification code, the server may further determine whether the payment identification code corresponds to a payment limit.
If there is a payment limit, the payment limit can be obtained.
It should be noted that the present specification does not limit the execution sequence of step 208 and step 210. In other examples, step 210 may be performed first, or step 208 and step 210 may be performed concurrently.
In step 212, the server determines that the payment amount does not exceed the payment limit.
In this embodiment, the server determines whether the payment amount corresponding to the payment request exceeds the above payment limit.
The payment amount may be obtained from the payment request, and the payment amount may also be searched by the server according to the payee identifier carried in the payment request, which is not specifically limited in this specification.
If the payment amount does not exceed the above payment limit, step 214 may be performed.
If the payment amount exceeds the above payment limit, the NFC payment device may return a message of payment failure, and the NFC collection device may further prompt the user by voice, text, or the like.
Step 214: The server side processes the payment request based on the found payment account.
Based on the judgment result of the foregoing step 212, when the payment amount does not exceed the payment limit, the server side can process the payment request based on the payment account number bound by the payment identifier. For example, the payment amount is deducted from the payment account, and the payment amount and the like are stored in the collection account bound to the NFC collection device.
In this embodiment, after the payment request is successfully processed, on the one hand, the server may return a prompt for successful payment to the NFC collection device. The NFC collection device can then prompt the user to pay successfully by voice, text, and the like. On the other hand, the server can also send payment information to the payment account bound by the payment identifier to prompt the user to pay successfully.
It can be seen from the above description that the user can realize payment through the object provided with the NFC coil, and the whole process does not require the user to use the terminal device such as a mobile phone, which is convenient and fast.
Third, the disbursement of the payment account is still based on the NFC technology. In order to avoid the loss of the NFC coil with the payment identification code, the user is economically lost. This embodiment provides an implementation solution for unbinding a payment account.
In this embodiment, when the object provided with the NFC coil is lost, or the user no longer wants to use the NFC coil to implement payment, the user can input the unbinding command through the client, and the client can further send the unbinding request to the server. The server can search for the payment identification code bound by the user payment account, and release the binding relationship between the payment identification code and the payment account.
Subsequently, even if other users pick up the object with the NFC coil and use the NFC object for payment, the server cannot find the payment account bound by the payment identifier, and thus the payment cannot be realized, thereby ensuring the security of the user. .
It should be noted that, in practical applications, the same payment account may be bound with multiple payment identification codes, that is, the user may have multiple NFC objects written with the payment identification code, where each NFC object is set with the NFC coil written therein. The payment identifier is different. When an NFC object is lost, the user can cancel the binding relationship between the payment identification code written in the NFC coil of the lost NFC object and the payment account according to the information such as the object identification, thereby ensuring the security of funds without affecting other Use of NFC objects.
Corresponding to the aforementioned embodiment of the method for implementing payment based on radio frequency identification technology, the present specification also provides an embodiment of a device for implementing payment based on radio frequency identification technology.
Embodiments of the apparatus for implementing payment based on radio frequency identification technology of the present specification can be applied to a server. The device embodiment can be implemented by software or by a combination of hardware or hardware and software. Taking the software implementation as an example, as a logical device, the processor of the server in which it is located reads the corresponding computer program instructions in the non-volatile memory into the memory. At a hardware level, as shown in FIG. 3, a hardware structure diagram of a server in which the device for implementing payment based on the radio frequency identification technology is located, except for the processor, the memory, the network interface, and the network interface shown in FIG. In addition to the non-volatile memory, the server in which the device that implements the payment based on the radio frequency identification technology in the embodiment is usually included in the hardware according to the actual function of the server, and other hardware is not described herein.
4 is a block diagram of an apparatus for implementing payment based on radio frequency identification technology, according to an exemplary embodiment of the present specification.
Referring to FIG. 4, the apparatus 300 for implementing payment based on the radio frequency identification technology may be applied to the server shown in FIG. 3, and includes: a request receiving unit 301, an account search unit 302, a request processing unit 303, and a first binding. The unit 304 and the second binding unit 305.
The request receiving unit 301 receives a payment request sent by the payee device, where the payment request carries a payment identification code, and the payment identification code is set by the payee device from the payer object based on the radio frequency identification technology. RF coil reading;
The account searching unit 302 searches for the payer account bound to the payment identifier;
The request processing unit 303 processes the payment request based on the payer account number.
Optionally, the payment identification code is generated by a payer client and written to the radio frequency coil based on a radio frequency identification technology;
The device also includes:
The first binding unit 304 receives the payment identifier generated by the payer client, and binds the payment identifier to the payer account.
Optionally, the first binding unit 304 further receives a payment quota sent by the paying party client, and binds the payment identifier to the payment quota.
The request processing unit 303 processes the payment request based on the payer account number when the payment amount corresponding to the payment request does not exceed the payment limit bound by the payment identifier.
Optionally, the first binding unit 304 further receives an unbinding request sent by the paying party client; and unbinds the payer account and the payment identifier.
The second binding unit 305, after receiving the payment identifier generation request sent by the payer client, generates a payment identifier; binding the payment identifier to the payer account; and sending the payment identifier to the payment a party client for the payer client to write the payment identification code to the radio frequency coil based on radio frequency identification technology.
Optionally, the radio frequency coil is an NFC coil, the payee device is an NFC read/write device, and the radio frequency identification technology is an NFC technology.
Corresponding to the aforementioned embodiment of the method for implementing payment based on radio frequency identification technology, the present specification also provides an embodiment of a device for implementing payment based on radio frequency identification technology.
Embodiments of the apparatus for implementing payment based on radio frequency identification technology of the present specification can be applied to a terminal. The device embodiment can be implemented by software, or by hardware or combination of hardware and software. Taking the software implementation as an example, as a logical device, the processor of the terminal in which it is located reads the corresponding computer program instructions in the non-volatile memory into the memory. At a hardware level, as shown in FIG. 5, a hardware structure diagram of a terminal in which the device for implementing payment based on the radio frequency identification technology is located, except for the processor, the memory, the network interface, and the device shown in FIG. In addition to the non-volatile memory, the terminal in which the device that implements the payment based on the radio frequency identification technology in the embodiment is usually included in other hardware according to the actual function of the terminal, and details are not described herein.
FIG. 6 is a block diagram of another apparatus for implementing payment based on radio frequency identification technology, according to an exemplary embodiment of the present specification.
Referring to FIG. 6, the apparatus 500 for implementing payment based on the radio frequency identification technology may be applied to the terminal shown in FIG. 5, and includes: an identification code generating unit 501, an identifier writing unit 502, an identifier sending unit 503, The quota setting unit 504 and the identification code unbinding unit 505.
The identification code generating unit 501 generates a payment identification code after receiving the identification code writing instruction;
The identifier writing unit 502 writes the payment identification code to the radio frequency coil set in the target object based on the radio frequency identification technology;
The identifier sending unit 503 sends the payment identification code to the server end, so that the server end binds the payment account number and the payment identification code to receive the payment request carrying the payment identification code. Processing the payment request according to the payment account;
The payment identification code carried in the payment request is read by the payee device based on the radio frequency identification technology from the radio frequency coil set in the target object.
The quota setting unit 504 acquires a payment quota, and sends the payment quota to the server, so that the server end binds the payment quota and the payment identifier to the server for the payment request. When the corresponding payment amount does not exceed the payment limit bound by the payment identifier, the payment request is processed based on the payment account.
The identifier unbinding unit 505 sends an unbinding request to the server after receiving the unbinding command, so that the server end releases the binding between the payment account and the payment identifier.
Optionally, the radio frequency coil is an NFC coil, and the radio frequency identification technology is an NFC technology.
The implementation process of the function and the function of each unit in the foregoing device is specifically described in the implementation process of the corresponding steps in the foregoing method, and details are not described herein again.
For the device embodiment, since it basically corresponds to the method embodiment, reference may be made to the partial description of the method embodiment. The device embodiments described above are merely illustrative, wherein the units described as separate components may or may not be physically separate, and the components displayed as units may or may not be physical units, ie may be located A place, or it can be distributed to multiple network units. Some or all of the modules may be selected according to actual needs to achieve the objectives of the present specification. Those of ordinary skill in the art can understand and implement without any creative effort.
The system, device, module or unit illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product having a certain function. A typical implementation device is a computer. The specific form of the computer can be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, and a game. A console, tablet, wearable device, or a combination of any of these devices.
Corresponding to the foregoing embodiment of the method for implementing payment based on radio frequency identification technology, the present specification further provides an apparatus for implementing payment based on radio frequency identification technology, the apparatus for implementing payment based on the radio frequency identification technology comprises: a processor and a storage machine executable The memory of the instruction. Among them, the processor and the memory are usually connected to each other by an internal bus. In other possible implementations, the device may also include an external interface to enable communication with other devices or components.
In the present embodiment, by reading and executing the machine-executable instructions of the memory storage corresponding to the logic implemented by the radio frequency identification technology, the processor is caused to:
Receiving a payment request sent by the payee device, where the payment request carries a payment identification code, and the payment identification code is read by the payee device based on a radio frequency identification technology from a radio frequency coil set in the payer object;
Finding a payer account bound by the payment identifier;
The payment request is processed based on the payer account number.
Optionally, the payment identification code is generated by a payer client and written to the radio frequency coil based on a radio frequency identification technology;
By reading and executing the machine-executable instructions of the memory storage corresponding to the payment-based logic implemented by the radio frequency identification technology, the processor is further caused to:
Receiving the payment identification code generated by the payer client;
Binding the payment identification code to the payer account number.
Optionally, by reading and executing the machine-executable instructions of the memory storage corresponding to the payment-based logic implemented by the radio frequency identification technology, the processor is further caused to:
Receiving the payment limit sent by the payer client;
Binding the payment identification code to the payment limit;
The processing the payment request based on the payer account, including:
When the payment amount corresponding to the payment request does not exceed the payment limit bound by the payment identification code, the payment request is processed based on the payer account number.
Optionally, by reading and executing the machine-executable instructions of the memory storage corresponding to the payment-based logic implemented by the radio frequency identification technology, the processor is further caused to:
Receiving an unbinding request sent by the payer client;
Unbind the payer account number and the payment identifier.
Optionally, by reading and executing the machine-executable instructions of the memory storage corresponding to the payment-based logic implemented by the radio frequency identification technology, the processor is further caused to:
After receiving the payment identifier generation request sent by the payer client, generating a payment identification code;
Binding the payment identification code to the payer account number;
The payment identification code is sent to the payer client for the payer client to write the payment identification code to the radio frequency coil based on radio frequency identification technology.
Optionally, the radio frequency coil is an NFC coil, the payee device is an NFC read/write device, and the radio frequency identification technology is an NFC technology.
Corresponding to the foregoing embodiment of the method for implementing payment based on radio frequency identification technology, the present specification further provides an apparatus for implementing payment based on radio frequency identification technology, the apparatus for implementing payment based on the radio frequency identification technology comprises: a processor and a storage machine executable The memory of the instruction. Among them, the processor and the memory are usually connected to each other by an internal bus. In other possible implementations, the device may also include an external interface to enable communication with other devices or components.
In the present embodiment, by reading and executing the machine-executable instructions of the memory storage corresponding to the logic implemented by the radio frequency identification technology, the processor is caused to:
After receiving the identification code writing instruction, generating a payment identification code;
Writing the payment identification code to the radio frequency coil set in the target object based on radio frequency identification technology;
Sending the payment identification code to the server end, so that the server end binds the payment account number and the payment identification code to process according to the payment account when receiving the payment request carrying the payment identification code. The payment request;
The payment identification code carried in the payment request is read by the payee device based on the radio frequency identification technology from the radio frequency coil set in the target object.
Optionally, by reading and executing the machine-executable instructions of the memory storage corresponding to the payment-based logic implemented by the radio frequency identification technology, the processor is caused to:
Obtaining a payment limit, and sending the payment limit to the server end, so that the server end binds the payment quota and the payment identification code, so that the server side does not pay the payment amount corresponding to the payment request. When the payment limit bound to the payment identifier is exceeded, the payment request is processed based on the payment account.
Optionally, by reading and executing the machine-executable instructions of the memory storage corresponding to the payment-based logic implemented by the radio frequency identification technology, the processor is caused to:
After receiving the unbinding command, the unbinding request is sent to the server, so that the server end releases the binding of the payment account and the payment identifier.
Optionally, the radio frequency coil is an NFC coil, and the radio frequency identification technology is an NFC technology.
Corresponding to the foregoing embodiment of the method for implementing payment based on radio frequency identification technology, the present specification further provides a computer readable storage medium, where the computer readable storage medium stores a computer program, and when the program is executed by the processor, the following steps are implemented. :
Receiving a payment request sent by the payee device, where the payment request carries a payment identification code, and the payment identification code is read by the payee device based on a radio frequency identification technology from a radio frequency coil set in the payer object;
Finding a payer account bound by the payment identifier;
The payment request is processed based on the payer account number.
Optionally, the payment identification code is generated by a payer client and written to the radio frequency coil based on a radio frequency identification technology;
The method further includes:
Receiving the payment identification code generated by the payer client;
Binding the payment identification code to the payer account number.
Optionally, it also includes:
Receiving the payment limit sent by the payer client;
Binding the payment identification code to the payment limit;
The processing the payment request based on the payer account, including:
When the payment amount corresponding to the payment request does not exceed the payment limit bound by the payment identification code, the payment request is processed based on the payer account number.
Optionally, it also includes:
Receiving an unbinding request sent by the payer client;
Unbind the payer account number and the payment identifier.
Optionally, it also includes:
After receiving the payment identifier generation request sent by the payer client, generating a payment identification code;
Binding the payment identification code to the payer account number;
The payment identification code is sent to the payer client for the payer client to write the payment identification code to the radio frequency coil based on radio frequency identification technology.
Optionally, the radio frequency coil is an NFC coil, the payee device is an NFC read/write device, and the radio frequency identification technology is an NFC technology.
Corresponding to the foregoing embodiment of the method for implementing payment based on radio frequency identification technology, the present specification further provides a computer readable storage medium, where the computer readable storage medium stores a computer program, and when the program is executed by the processor, the following steps are implemented. :
After receiving the identification code writing instruction, generating a payment identification code;
Writing the payment identification code to the radio frequency coil set in the target object based on radio frequency identification technology;
Sending the payment identification code to the server end, so that the server end binds the payment account number and the payment identification code to process according to the payment account when receiving the payment request carrying the payment identification code. The payment request;
The payment identification code carried in the payment request is read by the payee device based on the radio frequency identification technology from the radio frequency coil set in the target object.
Optionally, it also includes:
Obtaining a payment limit, and sending the payment limit to the server end, so that the server end binds the payment quota and the payment identification code, so that the server side does not pay the payment amount corresponding to the payment request. When the payment limit bound to the payment identifier is exceeded, the payment request is processed based on the payment account.
Optionally, it also includes:
After receiving the unbinding command, the unbinding request is sent to the server, so that the server end releases the binding of the payment account and the payment identifier.
Optionally, the radio frequency coil is an NFC coil, and the radio frequency identification technology is an NFC technology.
The foregoing description of the specific embodiments of the specification has been described. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the scope of the claims may be performed in a different order than the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings are not necessarily in a particular order or in a sequential order to achieve the desired results. In some embodiments, multiplex processing and parallel processing are also possible or may be advantageous.
The above description is only the preferred embodiment of the present specification, and is not intended to limit the specification. Any modifications, equivalent substitutions, improvements, etc., which are included in the present specification, should be included in the present specification. Within the scope of protection.
202‧‧‧NFC物件靠近NFC收款設備：202‧‧‧NFC objects are close to NFC collection equipment:
204‧‧‧方法步驟 204‧‧‧ Method steps
206‧‧‧方法步驟 206‧‧‧ Method steps
208‧‧‧方法步驟 208‧‧‧ method steps
210‧‧‧方法步驟 210‧‧‧ Method steps
212‧‧‧方法步驟 212‧‧‧ Method steps
214‧‧‧方法步驟 214‧‧‧ Method steps
300‧‧‧基於射頻識別技術實現支付的裝置 300‧‧‧Devices for payment based on radio frequency identification technology
301‧‧‧請求接收單元 301‧‧‧Request receiving unit
302‧‧‧帳號查找單元 302‧‧‧ Account Search Unit
303‧‧‧請求處理單元 303‧‧‧Request Processing Unit
304‧‧‧第一綁定單元 304‧‧‧ first binding unit
305‧‧‧第二綁定單元 305‧‧‧Second Binding Unit
500‧‧‧基於射頻識別技術實現支付的裝置 500‧‧‧Devices for payment based on radio frequency identification technology
501‧‧‧識別碼產生單元 501‧‧‧ID generation unit
502‧‧‧識別碼寫入單元 502‧‧‧ID writing unit
503‧‧‧識別碼發送單元 503‧‧‧ID transmission unit
504‧‧‧限額設置單元 504‧‧‧limit setting unit
505‧‧‧識別碼解綁單元 505‧‧‧ identification code unbinding unit
圖1是本說明書一示例性實施例示出的基於射頻識別技術實現支付的方法的組網圖。1 is a networking diagram of a method for implementing payment based on radio frequency identification technology, which is shown in an exemplary embodiment of the present specification.
圖2是本說明書一示例性實施例示出的一種基於射頻識別技術實現支付的方法的流程示意圖。 FIG. 2 is a schematic flow chart of a method for implementing payment based on radio frequency identification technology according to an exemplary embodiment of the present specification.
圖3是本說明書一示例性實施例示出的一種用於基於射頻識別技術實現支付的裝置的一結構示意圖。 FIG. 3 is a schematic structural diagram of an apparatus for implementing payment based on radio frequency identification technology according to an exemplary embodiment of the present specification.
圖4是本說明書一示例性實施例示出的一種基於射頻識別技術實現支付的裝置的方塊圖。 4 is a block diagram of an apparatus for implementing payment based on radio frequency identification technology, according to an exemplary embodiment of the present specification.
圖5是本說明書一示例性實施例示出的另一種用於基於射頻識別技術實現支付的裝置的一結構示意圖。 FIG. 5 is a schematic structural diagram of another apparatus for implementing payment based on radio frequency identification technology according to an exemplary embodiment of the present specification.
圖6是本說明書一示例性實施例示出的另一種基於射頻識別技術實現支付的裝置的方塊圖。 FIG. 6 is a block diagram of another apparatus for implementing payment based on radio frequency identification technology, according to an exemplary embodiment of the present specification.
Claims (22)
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| CN201810002133.0A CN108053208A (en) | 2018-01-02 | 2018-01-02 | The method and apparatus that payment is realized based on Radio Frequency Identification Technology |
| ??201810002133.0 | 2018-01-02 | ||
| CN201810002133.0 | 2018-01-02 |
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| TW109114009A TWI729790B (en) | 2018-01-02 | 2018-12-03 | Method and device for realizing payment based on radio frequency identification technology |
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| TW (2) | TWI694391B (en) |
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| CN108053208A (en) * | 2018-01-02 | 2018-05-18 | 阿里巴巴集团控股有限公司 | The method and apparatus that payment is realized based on Radio Frequency Identification Technology |
| CN109035636A (en) * | 2018-06-04 | 2018-12-18 | 阿里巴巴集团控股有限公司 | A kind of Cash collecting equipment, a kind of cashing method and device |
| CN113592482A (en) * | 2021-07-19 | 2021-11-02 | 湖南汉拓物联科技有限公司 | Payment binding method applied to Internet of things non-inductive consumption and Internet of things non-inductive consumption system |
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| CN101110109A (en) * | 2006-07-20 | 2008-01-23 | 刘陶忠 | Parking management information service system |
| CN101329801B (en) * | 2008-07-23 | 2011-04-06 | 中国建设银行股份有限公司 | Method for processing mobile phones POS consumptive data and mobile phones POS consumption system |
| KR20120071982A (en) * | 2010-12-23 | 2012-07-03 | 주식회사 케이티 | Near field communication device for secure payment and method for secure payment using near field communication device |
| EP2506203B1 (en) * | 2011-03-29 | 2013-06-19 | Research In Motion Limited | Communication system providing near field communication (NFC) transaction features and related methods |
| CN103400095B (en) * | 2013-08-14 | 2016-05-11 | 熊文俊 | Merge system and the exchange method of a far and near interactive function |
| CN104091262A (en) * | 2014-01-24 | 2014-10-08 | 蔡迎辉 | Method of NFC handset for using prepaid phone card to carry out remote payment |
| CN104318434A (en) * | 2014-10-23 | 2015-01-28 | 尹玲 | Safe payment method based on payment identification code |
| CN105046486A (en) * | 2015-07-17 | 2015-11-11 | 百度在线网络技术（北京）有限公司 | NFC-based mobile payment method and device |
| US20170308818A1 (en) * | 2016-04-25 | 2017-10-26 | Mohammad ALMISHARI | Payment and ordering system and application for a mobile client |
| EP3444765A4 (en) * | 2016-04-29 | 2019-04-24 | Huawei Technologies Co., Ltd. | Transaction method and device based on near-field communication (nfc) |
| CN106296169A (en) * | 2016-07-29 | 2017-01-04 | 宇龙计算机通信科技(深圳)有限公司 | A kind of method of payment based on NFC and device |
| CN106296178A (en) * | 2016-08-31 | 2017-01-04 | 江苏茴香豆网络科技有限公司 | Method of payment based on NFC and device |
| CN108053208A (en) * | 2018-01-02 | 2018-05-18 | 阿里巴巴集团控股有限公司 | The method and apparatus that payment is realized based on Radio Frequency Identification Technology |
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- 2018-01-02 CN CN201810002133.0A patent/CN108053208A/en active Pending
- 2018-12-03 TW TW107143204A patent/TWI694391B/en active
- 2018-12-03 TW TW109114009A patent/TWI729790B/en active
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| CN108053208A (en) | 2018-05-18 |
| TWI694391B (en) | 2020-05-21 |
| TW202030663A (en) | 2020-08-16 |
| TWI729790B (en) | 2021-06-01 |
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