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。The exemplary embodiments will be described in detail here, and examples thereof are shown in the drawings. When the following description refers to the drawings, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements. The implementation manners described in the following exemplary embodiments do not represent all implementation manners consistent with this specification. On the contrary, they are only examples of devices and methods consistent with some aspects of this specification as detailed in the scope of the appended application.
The terms used in this specification are only for the purpose of describing specific embodiments, and are not intended to limit the specification. The singular forms of "a", "the" and "the" used in this specification and the scope of the appended application are also intended to include plural forms, unless the context clearly indicates other meanings. It should also be understood that the term "and/or" as used herein refers to and includes any or all possible combinations of one or more associated listed items.
It should be understood that although the terms first, second, and third may be used in this specification to describe various information, the 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, without departing from the scope of this specification, the first information can also be referred to as second information, and similarly, the second information can also be referred to as first information. Depending on the context, the word "if" as used herein can be interpreted as "when" or "when" or "in response to certainty".
This manual provides a payment solution based on radio frequency identification technology. Please refer to Figure 1. The payment identification code can be written into the radio frequency coil through the terminal device, and the radio frequency coil can be placed in mobile phone cases, watches, accessories, etc. Object. When making a payment, the portable object can be brought close to the payee device. After the payee device reads the payment identification code carried in the radio frequency coil, it can send the payment request carrying the payment identification code to the server. , The server will find the payment account bound to the payment identification code and complete the payment. The whole process does not require users to use terminals and other equipment, which is convenient and fast.
The following describes the specific implementation process of this specification from the three aspects of writing the payment identification code, payment implementation, and unbinding of the payment account.
1. Writing the payment identification code
In this embodiment, users with payment needs can log in to the server side through client software loaded in terminals such as mobile phones. The processing and implementation of this part can refer to related technologies, and this specification will not be repeated here.
In this embodiment, the user can input the identification code writing instruction through the client. For example, the identification code writing instruction can be input through a designated button. Of course, the identification code writing instruction can also be input through voice control. .
In this embodiment, after receiving the identification code writing instruction, the client can generate an identification code for subsequent payment, which can be referred to as a payment identification code. For example, a string of characters can be randomly generated as the payment identification code. Of course, the payment identification code can also be generated through a predetermined algorithm, which is not particularly 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. Wherein, the radio frequency identification technology may be NFC (Near Field Communication, near field communication technology), and 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 portable objects such as mobile phone cases, watches, accessories, bags, and keychains.
On the other hand, the client can send the generated payment identification code to the server.
After receiving the payment identification code, the server can verify the uniqueness of the payment identification code. When it is determined that the payment identification code is unique in the entire domain, it can bind the payment identification code to the login account of the client, that is, The payment identification code is bound to the user's payment account.
Of course, in the above process, the generation of the payment identification code can also be implemented by the server.
Optionally, the client may send a payment identification code generation request to the server after receiving an identification code writing instruction of the payer user, and the server will generate a globally unique payment identification code and return it to the client.
The client can then write the payment identification code into the radio frequency coil through the radio frequency identification technology, and can return a successful write message to the server.
After receiving the successful writing message, the server can bind the generated payment identification code with the user's payment account.
It can be seen that, in this embodiment, the payment identification code can be written into the radio frequency coil, and the user can place the radio frequency coil in a 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 radio frequency coil. Compared with the traditional technology that uses wearable devices such as bracelets for payment, the usability is higher and the scope of application is wider.
Optionally, in order to prevent other radio frequency devices with data from causing interference to the payee device, when writing the payment identification code, the client can encrypt the payment identification code first, and then encrypt the encrypted payment identification code Write radio frequency coil. Subsequently, after reading the encrypted payment identification code, the payee device can perform decryption verification processing on it first.
If the verification is passed, the 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, users can set a smaller payment limit for payment methods that use radio frequency coils, for example, 200 yuan.
In one example, the user can set the payment limit when writing the payment identification code. For example, after the payment identification code is successfully written, the client can prompt the user to set the payment limit.
In another example, the user can also set the payment limit later during use, for example, set the payment limit through the designated portal 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. Later, users can modify the payment limit and other operations through the client.
It can be seen from this that, by setting the payment limit in this embodiment, the fund security of the user's payment account can be effectively guaranteed.
Second, payment realization
Fig. 2 is a schematic flowchart of a method for realizing payment based on radio frequency identification technology according to an exemplary embodiment of this specification.
In this embodiment, the radio frequency identification technology is NFC technology as an example for description. The method of realizing payment based on NFC technology can be a payee's object provided with an NFC coil (hereafter referred to as an NFC object) or NFC deployed by the payee. Payment device (hereinafter referred to as NFC payment device for short) and the server end.
Please refer to Figure 2. The payment implementation method may include the following steps:
In step 202, the NFC object approaches the NFC payment device.
In this embodiment, the payment identification code is written in the NFC coil set in the NFC object, and the method of writing the payment identification code can refer to the foregoing embodiment, and the description will not be repeated here.
In this embodiment, when a user holding an NFC object makes a payment, the NFC object can be close to the NFC payment device.
Step 204: The NFC payment device reads the payment identification code from the NFC coil set in the NFC object.
Step 206: The NFC payment device sends a payment request carrying the payment identification code to the server.
In this embodiment, after detecting that the NFC object is approaching, the NFC payment device can read the payment identification code from the NFC coil set on the NFC object.
In an example, if the payment identification code is not encrypted, the NFC payment device can add the payment identification code to the payment request and send it to the server. The payment request usually also carries information such as the payee ID, time, serial number, etc. The processing and implementation of this part can refer to related technologies, and this specification will not repeat them here.
In another example, if the payment identification code is encrypted, the NFC payment device can decrypt it first.
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, the NFC object can be determined to be an illegal object or an interfering object, and there is no need to send a payment request to the server. The NFC payment device can also output an alarm tone to remind you.
Step 208: The server searches for the payment account bound to the payment identification code.
Based on the foregoing step 206, after receiving the payment request carrying the payment identification code, the server can search for the payment account bound to the payment identification code.
Step 210: The server side determines the payment limit bound to the payment identification code.
Based on the foregoing step 206, after receiving the payment request carrying the payment identification code, the server can also determine whether the payment identification code corresponds to a payment limit.
If there is a corresponding payment limit, the payment limit can be obtained.
It is worth noting that this specification does not limit the execution order of step 208 and step 210. In other examples, step 210 may be executed first, or step 208 and step 210 may be executed concurrently.
Step 212: The server determines that the payment amount does not exceed the payment limit.
In this embodiment, the server side determines whether the payment amount corresponding to the payment request exceeds the above-mentioned payment limit.
Wherein, the payment amount can be obtained from the payment request, and the payment amount can also be searched by the server side according to the payee identifier carried in the payment request, which is not particularly limited in this specification.
If the payment amount does not exceed the foregoing payment limit, step 214 may be executed.
If the payment amount exceeds the above-mentioned payment limit, a payment failure message can be returned to the NFC payment device, and the NFC payment device can then prompt the user through voice, text, or the like.
Step 214: The server 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 can process the payment request based on the payment account bound to the payment identification code. For example, the payment amount is deducted from the payment account, and the payment amount is deposited in the payment account bound to the NFC payment device.
In this embodiment, after the payment request is successfully processed, on the one hand, the server can return a prompt of successful payment to the NFC collection device. The NFC payment device can then prompt the user to make a payment through voice, text, etc. On the other hand, the server can also send payment information to the payment account bound with the payment identification code to remind the user that the payment is successful.
It can be seen from the above description that the user can realize payment through an object provided with an NFC coil, and the whole process does not require the user to use a mobile phone or other terminal equipment, which is convenient and fast.
3. Unbind payment account
Still taking NFC technology as an example, in order to avoid the loss of the NFC coil written with the payment identification code, it will bring economic losses to the user. This embodiment provides an implementation solution for unbinding payment accounts.
In this embodiment, when the object provided with the NFC coil is lost, or the user no longer wants to use the NFC coil for payment, the user can input an unbinding instruction through the client, and the client can then send an unbinding request to the server. The server can look up the payment identification code bound to the user's payment account, and cancel the binding relationship between the payment identification code and the payment account.
Later, even if other users find the object with the NFC coil and use the NFC object to make payment, the server cannot find the payment account bound to the payment identification code, and the payment cannot be realized, which ensures the user's financial security .
It should be noted that in practical applications, the same payment account can be bound to multiple payment identification codes, that is, the user can have multiple NFC objects with payment identification codes written, and the NFC coil set in each NFC object is written with The payment ID 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 missing NFC object and its payment account based on the information such as the object identification, so as to ensure the safety of funds without affecting other Use of NFC objects.
Corresponding to the foregoing embodiment of the method for realizing payment based on radio frequency identification technology, this specification also provides an embodiment of a device for realizing payment based on radio frequency identification technology.
The embodiment of the device for realizing payment based on radio frequency identification technology in this specification can be applied to the server. The device embodiments can be implemented through software, or through hardware or a combination of software and hardware. Taking software implementation as an example, as a logical device, it is formed by reading the corresponding computer program instructions in the non-volatile memory into the memory through the processor of the server where it is located. From the perspective of hardware, as shown in Figure 3, this manual is a hardware structure diagram of the server where the device for payment based on radio frequency identification technology is located, except for the processor, memory, network interface, and network interface shown in Figure 3. In addition to the non-volatile memory, the server where the device for realizing payment based on the radio frequency identification technology in the embodiment is located is usually based on the actual function of the server, and may also include other hardware, which will not be repeated here.
Fig. 4 is a block diagram of a device for realizing payment based on radio frequency identification technology according to an exemplary embodiment of this specification.
Please refer to FIG. 4, the device 300 for realizing payment based on radio frequency identification technology can be applied to the server shown in FIG. 3, and includes: request receiving unit 301, account search unit 302, request processing unit 303, first binding The setting unit 304 and the second binding unit 305.
Wherein, the request receiving unit 301 receives a payment request sent by the payee device, the payment request carries a payment identification code, and the payment identification code is set by the payee device from the payer’s item based on radio frequency identification technology. RF coil reading;
The account search unit 302 searches for the payer account number bound to the payment identification code;
The request processing unit 303 processes the payment request based on the payer account.
Optionally, the payment identification code is generated by the payer client and written into the radio frequency coil based on radio frequency identification technology;
The device also includes:
The first binding unit 304 receives the payment identification code generated by the payer client; and binds the payment identification code to the payer account.
Optionally, the first binding unit 304 further receives the payment limit sent by the payer client; binds the payment identification code and the payment limit;
The request processing unit 303, when the payment amount corresponding to the payment request does not exceed the payment limit bound to the payment identification code, process the payment request based on the account of the payer.
Optionally, the first binding unit 304 also receives an unbinding request sent by the payer client; unbinding the payer account and the payment identification code.
The second binding unit 305, after receiving the payment identification code generation request sent by the payer client, generates the payment identification code; binds the payment identification code with the payer account number; and sends the payment identification code to the payer Party client, for the payer client to write the payment identification code into 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 reader/writer device, and the radio frequency identification technology is an NFC technology.
Corresponding to the foregoing embodiment of the method for realizing payment based on radio frequency identification technology, this specification also provides an embodiment of a device for realizing payment based on radio frequency identification technology.
The embodiments of the device for realizing payment based on radio frequency identification technology in this specification can be applied to the terminal. The device embodiments can be implemented through software, or through hardware or a combination of software and hardware. Take software implementation as an example. As a logical device, it is formed by reading the corresponding computer program instructions in the non-volatile memory into the memory through the processor of the terminal where it is located. From the perspective of hardware, as shown in Figure 5, this manual is a hardware structure diagram of the terminal where the device for payment based on radio frequency identification technology is located, except for the processor, memory, network interface, and In addition to the non-volatile memory, the terminal where the device for realizing payment based on the radio frequency identification technology in the embodiment is located is usually based on the actual function of the terminal, and may also include other hardware, which will not be repeated here.
Fig. 6 is a block diagram of another device for realizing payment based on radio frequency identification technology according to an exemplary embodiment of this specification.
Please refer to FIG. 6, the device 500 for realizing payment based on radio frequency identification technology can be applied to the terminal shown in FIG. 5, and includes: an identification code generating unit 501, an identification code writing unit 502, an identification code sending unit 503, A quota setting unit 504 and an identification code unbinding unit 505.
Wherein, the identification code generation unit 501 generates a payment identification code after receiving an identification code writing instruction;
The identification code writing unit 502 writes the payment identification code into the radio frequency coil set in the target object based on radio frequency identification technology;
The identification code sending unit 503 sends the payment identification code to the server side, so that the server side binds the payment account and the payment identification code, so that when a payment request carrying the payment identification code is received, Process the payment request according to the payment account;
Wherein, the payment identification code carried in the payment request is read by the payee device from the radio frequency coil set in the target object based on radio frequency identification technology.
The limit setting unit 504 obtains the payment limit, and sends the payment limit to the server side, so that the server side binds the payment limit and the payment identification code, so that the server side can use the payment request When the corresponding payment amount does not exceed the payment limit bound with the payment identification code, the payment request is processed based on the payment account.
The identification code unbinding unit 505, after receiving the unbinding instruction, sends an unbinding request to the server side, so that the server side can unbind the payment account and the payment identification code.
Optionally, the radio frequency coil is an NFC coil, and the radio frequency identification technology is NFC technology.
For the implementation process of the functions and roles of each unit in the above-mentioned device, refer to the implementation process of the corresponding steps in the above-mentioned method for details, which will not be repeated here.
For the device embodiment, since it basically corresponds to the method embodiment, the relevant part can refer to the part of the description of the method embodiment. The device embodiments described above are merely illustrative. The units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in One place, or it can be distributed to multiple network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution in this specification. Those of ordinary skill in the art can understand and implement it without creative work.
The systems, devices, modules, or units explained in the above embodiments may be implemented by computer chips or entities, or implemented by products with certain functions. 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 receiving and sending device, and a game. Consoles, tablets, wearable devices, or any combination of these devices.
Corresponding to the foregoing embodiment of the method for realizing payment based on radio frequency identification technology, this specification also provides a device for realizing payment based on radio frequency identification technology. The device for realizing payment based on radio frequency identification technology includes: a processor and a storage machine executable Command memory. Among them, the processor and the memory are usually connected to each other through an internal bus. In other possible implementation manners, the device may also include an external interface to be able to communicate with other devices or components.
In this embodiment, by reading and executing the machine executable instructions stored in the memory and corresponding to the logic of realizing payment based on radio frequency identification technology, the processor is prompted to:
Receiving a payment request sent by a payee device, where the payment request carries a payment identification code, and the payment identification code is read by the payee device from a radio frequency coil set in the payer's object based on radio frequency identification technology;
Look up the payer account bound to the payment identification code;
The payment request is processed based on the payer account number.
Optionally, the payment identification code is generated by the payer client and written into the radio frequency coil based on radio frequency identification technology;
By reading and executing the machine executable instructions stored in the memory corresponding to the logic of realizing payment based on radio frequency identification technology, the processor is also prompted to:
Receiving the payment identification code generated by the payer client;
Bind the payment identification code and the payer account.
Optionally, by reading and executing the machine executable instructions stored in the memory and corresponding to the logic for realizing payment based on radio frequency identification technology, the processor is also prompted to:
Receive the payment limit sent by the payer's client;
Bind the payment identification code to the payment limit;
The processing the payment request based on the payer account number includes:
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.
Optionally, by reading and executing the machine executable instructions stored in the memory and corresponding to the logic for realizing payment based on radio frequency identification technology, the processor is also prompted to:
Receive the unbinding request sent by the payer client;
Unbind the payer's account and the payment identification code.
Optionally, by reading and executing the machine executable instructions stored in the memory and corresponding to the logic for realizing payment based on radio frequency identification technology, the processor is also prompted to:
After receiving the payment identification code generation request sent by the payer client, the payment identification code is generated;
Bind the payment identification code to the account of the payer;
The payment identification code is sent to the payer client, so that the payer client writes the payment identification code into the radio frequency coil based on the radio frequency identification technology.
Optionally, the radio frequency coil is an NFC coil, the payee device is an NFC reader/writer device, and the radio frequency identification technology is an NFC technology.
Corresponding to the foregoing embodiment of the method for realizing payment based on radio frequency identification technology, this specification also provides a device for realizing payment based on radio frequency identification technology. The device for realizing payment based on radio frequency identification technology includes: a processor and a storage machine executable Command memory. Among them, the processor and the memory are usually connected to each other through an internal bus. In other possible implementation manners, the device may also include an external interface to be able to communicate with other devices or components.
In this embodiment, by reading and executing the machine executable instructions stored in the memory and corresponding to the logic of realizing payment based on radio frequency identification technology, the processor is prompted to:
After receiving the identification code writing instruction, a payment identification code is generated;
Writing the payment identification code into a radio frequency coil set in the target object based on radio frequency identification technology;
The payment identification code is sent to the server side, so that the server side binds the payment account and the payment identification code, so that when a payment request carrying the payment identification code is received, it processes according to the payment account Said payment request;
Wherein, the payment identification code carried in the payment request is read by the payee device from the radio frequency coil set in the target object based on radio frequency identification technology.
Optionally, by reading and executing the machine executable instructions stored in the memory and corresponding to the logic for realizing payment based on radio frequency identification technology, the processor is prompted to:
Obtain the payment limit, and send the payment limit to the server side, so that the server side can bind the payment limit and the payment identification code, so that the server side can confirm the payment amount corresponding to the payment request. When the payment limit bound with the payment identification code is exceeded, the payment request is processed based on the payment account.
Optionally, by reading and executing the machine executable instructions stored in the memory and corresponding to the logic for realizing payment based on radio frequency identification technology, the processor is prompted to:
After receiving the unbinding instruction, send an unbinding request to the server side for the server side to unbind the payment account and the payment identification code.
Optionally, the radio frequency coil is an NFC coil, and the radio frequency identification technology is NFC technology.
Corresponding to the foregoing embodiment of the method for realizing payment based on radio frequency identification technology, this specification also provides a computer-readable storage medium with a computer program stored on the computer-readable storage medium, which performs the following steps when executed by a processor :
Receiving a payment request sent by a payee device, where the payment request carries a payment identification code, and the payment identification code is read by the payee device from a radio frequency coil set in the payer's object based on radio frequency identification technology;
Look up the payer account bound to the payment identification code;
The payment request is processed based on the payer account number.
Optionally, the payment identification code is generated by the payer client and written into the radio frequency coil based on radio frequency identification technology;
The method also includes:
Receiving the payment identification code generated by the payer client;
Bind the payment identification code and the payer account.
Optionally, it also includes:
Receive the payment limit sent by the payer's client;
Bind the payment identification code to the payment limit;
The processing the payment request based on the payer account number includes:
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.
Optionally, it also includes:
Receive the unbinding request sent by the payer client;
Unbind the payer's account and the payment identification code.
Optionally, it also includes:
After receiving the payment identification code generation request sent by the payer client, the payment identification code is generated;
Bind the payment identification code to the account of the payer;
The payment identification code is sent to the payer client, so that the payer client writes the payment identification code into the radio frequency coil based on the radio frequency identification technology.
Optionally, the radio frequency coil is an NFC coil, the payee device is an NFC reader/writer device, and the radio frequency identification technology is an NFC technology.
Corresponding to the foregoing embodiment of the method for realizing payment based on radio frequency identification technology, this specification also provides a computer-readable storage medium with a computer program stored on the computer-readable storage medium, which performs the following steps when executed by a processor :
After receiving the identification code writing instruction, a payment identification code is generated;
Writing the payment identification code into a radio frequency coil set in the target object based on radio frequency identification technology;
The payment identification code is sent to the server side, so that the server side binds the payment account and the payment identification code, so that when a payment request carrying the payment identification code is received, it processes according to the payment account Said payment request;
Wherein, the payment identification code carried in the payment request is read by the payee device from the radio frequency coil set in the target object based on radio frequency identification technology.
Optionally, it also includes:
Obtain the payment limit, and send the payment limit to the server side, so that the server side can bind the payment limit and the payment identification code, so that the server side can confirm the payment amount corresponding to the payment request. When the payment limit bound with the payment identification code is exceeded, the payment request is processed based on the payment account.
Optionally, it also includes:
After receiving the unbinding instruction, send an unbinding request to the server side for the server side to unbind the payment account and the payment identification code.
Optionally, the radio frequency coil is an NFC coil, and the radio frequency identification technology is NFC technology.
The foregoing describes specific embodiments of this specification. Other embodiments are within the scope of the attached patent application. In some cases, the actions or steps described in the scope of the patent application may be performed in a different order from the embodiment and still achieve desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or sequential order shown in order to achieve the desired result. In some embodiments, multiplexing and parallel processing are also possible or may be advantageous.
The above descriptions are only preferred embodiments of this specification and are not intended to limit this specification. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this specification shall be included in this specification Within the scope of protection.
