TWI650715B - Payment system based on near field communication and method thereof - Google Patents

Payment system based on near field communication and method thereof Download PDF

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TWI650715B
TWI650715B TW104122278A TW104122278A TWI650715B TW I650715 B TWI650715 B TW I650715B TW 104122278 A TW104122278 A TW 104122278A TW 104122278 A TW104122278 A TW 104122278A TW I650715 B TWI650715 B TW I650715B
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field communication
near field
communication device
payment
module
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TW201624371A (en
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李森峰
魏翠紅
洪智忠
高懿民
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英華達股份有限公司
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction

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  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

本發明提供一種基於近場通信(Near Field Communication；NFC)之支付系統，包括一第一近場通信裝置，在第一近場通信裝置中具有一支付模組；一第二近場通信裝置，包括用以為支付模組解密之一解密模組，當第一近場通信裝置靠近第二近場通信裝置時，解密模組為支付模組解密；以及一支付終端，用以當第一近場通信裝置靠近時，促使第一近場通信裝置之支付模組進行支付。藉由上述系統，本發明還提供一種基於近場通信之支付方法，藉由一近場通信裝置事先對另一近場通信裝置進行解密，使得被解密之近場通信裝置可進行無需密碼的消費，避免了密碼洩露的問題，提高了支付的安全性。 The present invention provides a payment system based on near field communication (NFC), which includes a first near field communication device having a payment module in the first near field communication device; a second near field communication device, The decryption module includes a decryption module for decrypting the payment module. When the first near field communication device is close to the second near field communication device, the decryption module decrypts the payment module; and a payment terminal is used as the first near field. When the communication device approaches, the payment module of the first near field communication device is caused to perform payment. With the above system, the present invention also provides a payment method based on near field communication. One near field communication device decrypts another near field communication device in advance, so that the decrypted near field communication device can consume without password. , To avoid the problem of password leakage, and improve the security of payment.

Description

基於近場通信之支付系統及其方法 Payment system and method based on near field communication

本發明涉及一無線通信領域，尤其涉及一種基於近場通信之支付系統及其方法。 The present invention relates to the field of wireless communications, and in particular, to a payment system and method based on near field communication.

近場通信(Near Field Communication；NFC)係一種短距高頻之無線電技術，係由非接觸式無線射頻識別(Radio Frequency Identification；RFID)及互聯互通技術整合演變而來，在單一芯片上結合感應式讀卡器、感應式卡片和點對點的功能，能在短距離內與兼容設備進行識別和數據交換。 Near Field Communication (NFC) is a short-range high-frequency radio technology, which evolved from the integration of non-contact radio frequency identification (RFID) and interconnection technologies, combining induction on a single chip Card reader, proximity card and point-to-point function, can identify and exchange data with compatible devices within a short distance.

近場通信裝置具有主動和被動兩種讀取模式，當近場通信裝置工作在被動模式下時，近場通信裝置具備無源支付功能，即可以接收其它近場通信裝置之訊號，例如銷售點情報管理系統(Point of Sales；POS)等發送之支付請求，然後接收用戶輸入支付密碼，在支付密碼正確時，根據支付請求執行支付操作。 The near field communication device has two active and passive reading modes. When the near field communication device works in passive mode, the near field communication device has a passive payment function, that is, it can receive signals from other near field communication devices, such as point of sale. The payment request sent by the information management system (Point of Sales; POS), etc., then receives the user's input of the payment password, and when the payment password is correct, performs the payment operation according to the payment request.

由於輸入支付密碼需要花費較多時間，在頻繁使用近場通信裝置之無源支付功能時，過長的密碼輸入時間會給用戶帶來不便。因此，用戶一般會因為麻煩而不設置支付密碼，導致近場通信裝置遺失或被盜後無源支付功能被濫用，降低了近場通信裝置支付的安全性。 Since it takes more time to enter the payment password, when the passive payment function of the near field communication device is frequently used, an excessively long password input time will cause inconvenience to the user. Therefore, users generally do not set a payment password because of trouble, which causes the passive payment function to be abused after the near field communication device is lost or stolen, which reduces the security of the near field communication device payment.

同樣，在現今的商品購物市場中，消費者無論是在商城還是 網上結算消費時，大都會用到信用卡或網路銀行，這無不例外都需要用戶輸入密碼，因而在此過程中極有可能洩漏密碼，透露用戶的個人信息，造成巨大的損失。 Similarly, in today's commodity shopping market, consumers Credit cards or online banking are mostly used for online settlement and consumption, and all of them require users to enter their passwords. Therefore, it is very likely that in the process, the passwords will be leaked and the personal information of the users will be disclosed, causing huge losses.

為了解決現有技術中支付時可能洩露密碼的問題，本發明提供一種基於近場通信之支付系統，包括：一第一近場通信裝置，在第一近場通信裝置中具有一支付模組；一第二近場通信裝置，在第二近場通信裝置中具有用以為支付模組解密之一解密模組；以及一支付終端，在支付終端中具有一近場通信模組；其中，當第一近場通信裝置靠近第二近場通信裝置時，解密模組為支付模組解密，解密後第一近場通信裝置靠近支付終端時，支付模組對支付終端進行支付。 In order to solve the problem that the password may be leaked when paying in the prior art, the present invention provides a payment system based on near field communication, including: a first near field communication device having a payment module in the first near field communication device; The second near field communication device has a decryption module for decrypting the payment module in the second near field communication device; and a payment terminal having a near field communication module in the payment terminal; wherein when the first When the near field communication device is near the second near field communication device, the decryption module is decrypted by the payment module. After decryption, when the first near field communication device is near the payment terminal, the payment module pays the payment terminal.

所述之基於近場通信之支付系統，其中支付模組係包括複數個銀行卡資訊之一銀行卡系統。 The payment system based on near field communication, wherein the payment module is a bank card system including a plurality of bank card information.

所述之基於近場通信之支付系統，其中第二近場通信裝置更包括：一選擇模組，用以當第一近場通信裝置靠近第二近場通信裝置時，選擇銀行卡系統中銀行卡資訊之其中之一；以及一時間設定模組，用以當解密模組為支付模組解密後，設定維持解密狀態之時間。 In the payment system based on near field communication, the second near field communication device further includes: a selection module for selecting a bank in the bank card system when the first near field communication device is close to the second near field communication device. One of the card information; and a time setting module for setting a time for maintaining the decryption state after the decryption module decrypts the payment module.

所述之基於近場通信之支付系統，其中第一近場通信裝置係一近場通信手環。 The payment system based on near field communication, wherein the first near field communication device is a near field communication bracelet.

所述之基於近場通信之支付系統，其中第二近場通信裝置係一手機終端。 In the payment system based on near field communication, the second near field communication device is a mobile phone terminal.

另外，本發明還提供一種基於近場通信之支付方法，包括： 利用一第一近場通信裝置靠近一第二近場通信裝置，使第二近場通信裝置中之一解密模組為第一近場通信裝置中之一支付模組解密；利用第一近場通信裝置靠近一支付終端，使第一近場通信裝置之支付模組對支付終端進行支付。 In addition, the present invention also provides a payment method based on near field communication, including: A first near field communication device is used to approach a second near field communication device, so that a decryption module in the second near field communication device is decrypted as a payment module in the first near field communication device; using the first near field The communication device is close to a payment terminal, so that the payment module of the first near field communication device makes payment to the payment terminal.

所述之基於近場通信之支付方法，其中支付模組係包括複數 個銀行卡資訊之一銀行卡系統。 The near field communication based payment method, wherein the payment module includes a plurality of One bank card information is a bank card system.

所述之基於近場通信之支付方法，其中當第一近場通信裝置 靠近第二近場通信裝置時，先藉由第二近場通信裝置中之一選擇模組選擇銀行卡系統中銀行卡資訊之其中之一，再藉由解密模組將選擇之銀行卡資訊解密；以及當第二近場通信裝置中之解密模組將選擇之銀行卡資訊解密後，藉由第二近場通信裝置之一時間設定模組設定維持解密狀態之時間。 The payment method based on near field communication, wherein when the first near field communication device When approaching the second near field communication device, first select one of the bank card information in the bank card system through a selection module in the second near field communication device, and then use the decryption module to decrypt the selected bank card information ; And when the decryption module in the second near field communication device decrypts the selected bank card information, a time setting module of one of the second near field communication devices sets a time for maintaining the decrypted state.

所述之基於近場通信之支付方法，其中第一近場通信裝置係 一近場通信手環。 The payment method based on near field communication, wherein the first near field communication device is A near field communication bracelet.

所述之基於近場通信之支付方法，其中第二近場通信裝置係 一手機終端。 The payment method based on near field communication, wherein the second near field communication device is A mobile terminal.

藉由上述可知，本發明所述之基於近場通信之支付系統包括 一第一近場通信裝置，在第一近場通信裝置中具有一支付模組；一第二近場通信裝置，包括用以為支付模組解密之一解密模組，當第一近場通信裝置靠近第二近場通信裝置時，解密模組為支付模組解密；以及一支付終端，用以當第一近場通信裝置靠近時，促使第一近場通信裝置之支付模組進行支付。藉由上述系統，本發明還提供一種基於近場通信裝置之支付方法，藉由一近場通信裝置事先對另一近場通信裝置進行解密，使得被解密之近 場通信裝置可進行無需密碼的消費，避免了密碼洩露的問題，提高了支付的安全性。 Based on the above, the payment system based on near field communication according to the present invention includes A first near field communication device having a payment module in the first near field communication device; a second near field communication device including a decryption module for decrypting the payment module, and the first near field communication device When approaching the second near field communication device, the decryption module is decrypted by the payment module; and a payment terminal for prompting the payment module of the first near field communication device to make a payment when the first near field communication device approaches. With the above system, the present invention also provides a payment method based on a near field communication device. One near field communication device decrypts another near field communication device in advance, so that the decrypted The field communication device can consume without password, avoid the problem of password leakage, and improve the security of payment.

100‧‧‧第一近場通信裝置 100‧‧‧The first near field communication device

110‧‧‧支付模組 110‧‧‧ payment module

200‧‧‧第二近場通信裝置 200‧‧‧Second Near Field Communication Device

210‧‧‧解密模組 210‧‧‧Decryption Module

220‧‧‧選擇模組 220‧‧‧Select Module

230‧‧‧時間設定模組 230‧‧‧Time setting module

300‧‧‧支付終端 300‧‧‧ payment terminal

310‧‧‧近場通信模組 310‧‧‧Near Field Communication Module

401~404‧‧‧步驟 401 ~ 404‧‧‧step

第1圖係本發明一實施例所述之基於近場通信之支付系統之結構示意圖。 FIG. 1 is a schematic structural diagram of a near field communication-based payment system according to an embodiment of the present invention.

第2圖係本發明一實施例所述之基於近場通信之支付方法之流程圖。 FIG. 2 is a flowchart of a near field communication based payment method according to an embodiment of the present invention.

以下結合附圖和具體實施例對本發明作進一步詳細說明。根據下面說明和申請專利範圍，本發明的優點和特徵將更加清楚。需說明的是，附圖均採用非常簡化的形式且均使用非精準的比率，僅用以方便、明晰地輔助說明本發明實施例之目的。 The present invention is further described in detail below with reference to the drawings and specific embodiments. The advantages and features of the present invention will become clearer from the following description and the scope of patent application. It should be noted that the drawings are in a very simplified form and all use inaccurate ratios, and are only used to facilitate and clearly explain the purpose of the embodiments of the present invention.

首先，請參閱第1圖，第1圖係本發明一實施例所述之基於近場通信(NFC)之支付系統之結構示意圖，如第1圖所示，本發明提供一種基於近場通信之支付系統，包括：一第一近場通信裝置100、一第二近場通信裝置200和一支付終端300，其中，在第一近場通信裝置100中具有一支付模組110；第二近場通信裝置200包括用以為支付模組110解密之一解密模組210，在支付終端300中具有一近場通信模組310，當第一近場通信裝置100靠近第二近場通信裝置200時，解密模組210為支付模組110解密；支付終端300用以當第一近場通信裝置100靠近時，促使第一近場通信裝置100之支付模組110進行支付。 First, please refer to FIG. 1. FIG. 1 is a schematic structural diagram of a near field communication (NFC) -based payment system according to an embodiment of the present invention. As shown in FIG. 1, the present invention provides a near field communication based payment system. The payment system includes: a first near field communication device 100, a second near field communication device 200, and a payment terminal 300, wherein the first near field communication device 100 has a payment module 110; a second near field The communication device 200 includes a decryption module 210 for decrypting the payment module 110, and a near field communication module 310 in the payment terminal 300. When the first near field communication device 100 approaches the second near field communication device 200, The decryption module 210 decrypts the payment module 110; the payment terminal 300 is used to cause the payment module 110 of the first near field communication device 100 to make a payment when the first near field communication device 100 approaches.

其中，支付模組110係包括複數個銀行卡資訊之一銀行卡系 統，即在第一近場通信裝置100中存有用戶之複數個銀行卡資訊，包括借記卡和信用卡等，以便於用戶選擇要使用之銀行卡。 Among them, the payment module 110 includes one of a plurality of bank card information. In the first near field communication device 100, a plurality of bank card information of the user, including a debit card and a credit card, are stored, so that the user can select a bank card to be used.

在本實施例中，第二近場通信裝置200更包括一選擇模組220和一時間設定模組230。當第一近場通信裝置100和第二近場通信裝置200靠近時可藉由近場通信技術進行通信，此時用戶可以藉由第二近場通信裝置200選擇銀行卡系統中銀行卡資訊之其中之一。之後解密模組210為支付模組110解密並維持解密狀態，用戶可以藉由時間設定模組230設定維持解密狀態之時間。在維持解密狀態之時間內，用戶可以僅藉由第一近場通信裝置100進行無需輸入密碼的消費，即當第一近場通信裝置100靠近支付終端300時，可以接受支付終端300(如POS機)之支付請求，促使第一近場通信裝置100之支付模組110進行支付。此時，支付終端300也為近場通信裝置。 In this embodiment, the second near field communication device 200 further includes a selection module 220 and a time setting module 230. When the first near field communication device 100 and the second near field communication device 200 are close to each other, the near field communication technology can be used for communication. At this time, the user can select the bank card information in the bank card system through the second near field communication device 200. one of them. The decryption module 210 then decrypts the payment module 110 and maintains the decrypted state. The user can set the time for maintaining the decrypted state through the time setting module 230. During the time of maintaining the decryption state, the user can use the first near field communication device 100 to make consumption without entering a password, that is, when the first near field communication device 100 is close to the payment terminal 300, it can accept the payment terminal 300 (such as POS Machine) to make the payment request by the payment module 110 of the first near field communication device 100. At this time, the payment terminal 300 is also a near field communication device.

上述實施例中，第一近場通信裝置100較佳為一近場通信手環，便於用戶攜帶；第二近場通信裝置200較佳為一手機終端；選擇模組220、時間設定模組230和解密模組210較佳為構成一手機應用程式(Mobile Application；APP)。當近場通信手環靠近手機時，用戶只需啟動手機應用程式即可啟動支付模組110並進行相應之選擇和設置。 In the above embodiment, the first near field communication device 100 is preferably a near field communication bracelet, which is convenient for users to carry; the second near field communication device 200 is preferably a mobile phone terminal; the selection module 220 and the time setting module 230 The decryption module 210 preferably constitutes a mobile application (APP). When the near field communication bracelet is close to the mobile phone, the user only needs to launch the mobile phone application to start the payment module 110 and make corresponding selections and settings.

在本實施例中，上述解密模組210之解密過程為：第一近場通信裝置100和第二近場通信裝置200靠近時，藉由第二近場通信裝置200輸入所選擇銀行卡資訊之密碼。但本發明不以此為限，也可以藉由第二近場通信裝置200記住每個銀行卡資訊之密碼，在靠近第一近場通信裝置100並選擇銀行卡資訊後即直接進行解密過程。 In this embodiment, the decryption process of the decryption module 210 is as follows: When the first near field communication device 100 and the second near field communication device 200 are close to each other, the second near field communication device 200 inputs the selected bank card information. password. However, the present invention is not limited to this, and the second near field communication device 200 can also remember the password of each bank card information, and directly perform the decryption process after approaching the first near field communication device 100 and selecting the bank card information. .

下面詳細說明基於近場通信(NFC)之支付方法。 The following describes in detail a payment method based on near field communication (NFC).

請繼續參閱第2圖，第2圖係本發明一實施例所述之基於近場通信之支付方法之流程圖，如圖2所示，步驟401：首先用戶操作第二近場通信裝置200，啟動第二近場通信裝置200中之解密模組210、選擇模組220和時間設定模組230；步驟402：然後，第一近場通信裝置100靠近第二近場通信裝置200，使雙方藉由近場通信產生無線連接；步驟403：接著，用戶藉由選擇模組220選擇銀行卡系統中銀行卡資訊之其中之一，藉由解密模組210將選擇之銀行卡資訊解密，並藉由時間設定模組230設定維持解密狀態之時間；步驟404：在所設定之時間內，用戶即可帶著第一近場通信裝置100去消費，只需將第一近場通信裝置100靠近支付終端300，支付終端300可藉由近場通信模組310發出支付指令，促使支付模組110進行支付。 Please continue to refer to FIG. 2, which is a flowchart of a near field communication based payment method according to an embodiment of the present invention. As shown in FIG. 2, step 401: first, the user operates the second near field communication device 200, Start the decryption module 210, the selection module 220, and the time setting module 230 in the second near field communication device 200; Step 402: Then, the first near field communication device 100 approaches the second near field communication device 200, so that both parties can borrow A wireless connection is generated by near field communication; step 403: Next, the user selects one of the bank card information in the bank card system through the selection module 220, decrypts the selected bank card information by the decryption module 210, and The time setting module 230 sets the time for maintaining the decryption state. Step 404: The user can take the first near field communication device 100 to consume within the set time, and only need to bring the first near field communication device 100 close to the payment terminal. 300. The payment terminal 300 may issue a payment instruction through the near field communication module 310 to cause the payment module 110 to make a payment.

當用戶手持第一近場通信裝置100進行消費時，若該裝置未被啟動則其處於加密狀態，無法進行消費；若超過維持解密狀態之時間，第一近場通信裝置100同樣恢復加密狀態，無法消費。例如，用戶選擇了第一近場通信裝置100中之信用卡，對其進行解密，並設置維持解密狀態之時間為一小時，則在一小時的時間內，用戶可以藉由第一近場通信裝置100進行無需密碼的消費。 When the user holds the first near field communication device 100 for consumption, if the device is not activated, it is in an encrypted state and cannot be consumed; if the time to maintain the decrypted state is exceeded, the first near field communication device 100 also restores the encrypted state. Unable to consume. For example, if the user selects the credit card in the first near field communication device 100, decrypts it, and sets the time to maintain the decryption state to one hour, the user can use the first near field communication device within one hour. 100 Consumption without password.

本發明提供之基於近場通信之支付系統和方法，藉由一近場通信裝置事先對另一近場通信裝置進行解密，使得被解密之近場通信裝置可進行無需密碼的消費，避免了密碼洩露的問題，提高了支付的安全性。 The near-field communication-based payment system and method provided by the present invention, by using one near-field communication device to decrypt another near-field communication device in advance, enables the decrypted near-field communication device to consume without passwords, thereby avoiding passwords The issue of leakage improves the security of payments.

顯然，本領域的技術人員可以對發明進行各種改動和變型而不脫離本發明的精神和範圍。這樣，倘若本發明的這些修改和變型屬於本發明權利要求及其等同技術的範圍之內，則本發明也意圖包括這些改動和 變型在內。 Obviously, those skilled in the art can make various modifications and variations to the invention without departing from the spirit and scope of the invention. In this way, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalent technologies, the present invention also intends to include these changes and Variations included.

Claims (10)

一種基於近場通信之支付系統，包括：一第一近場通信裝置，具有一支付模組；一第二近場通信裝置，具有一解密模組，用以為該支付模組解密；以及一支付終端，具有一近場通信模組；其中，當該第一近場通信裝置靠近該第二近場通信裝置時，該解密模組為該支付模組進行解密，解密後該第一近場通信裝置靠近該支付終端時，該支付模組對該支付終端進行支付。A payment system based on near field communication includes: a first near field communication device having a payment module; a second near field communication device having a decryption module for decrypting the payment module; and a payment The terminal has a near-field communication module; wherein, when the first near-field communication device is close to the second near-field communication device, the decryption module decrypts the payment module, and the decrypted first near-field communication When the device is close to the payment terminal, the payment module makes payment to the payment terminal. 如申請專利範圍第1項所述之基於近場通信之支付系統，其中該支付模組係包括複數個銀行卡資訊之一銀行卡系統。The payment system based on near field communication according to item 1 of the scope of patent application, wherein the payment module includes a bank card system which is one of a plurality of bank card information. 如申請專利範圍第2項所述之基於近場通信之支付系統，其中該第二近場通信裝置更包括：一選擇模組，用以當該第一近場通信裝置靠近該第二近場通信裝置時，選擇該銀行卡系統中該些銀行卡資訊之其中之一；以及一時間設定模組，用以當該解密模組為該支付模組解密後，設定維持解密狀態之時間。The payment system based on near field communication according to item 2 of the scope of patent application, wherein the second near field communication device further includes: a selection module for when the first near field communication device approaches the second near field. When the communication device is selected, one of the bank card information in the bank card system is selected; and a time setting module is used to set a time for maintaining the decryption state after the decryption module decrypts the payment module. 如申請專利範圍第1項所述之基於近場通信之支付系統，其中該第一近場通信裝置係一近場通信手環。The payment system based on near field communication according to item 1 of the scope of patent application, wherein the first near field communication device is a near field communication bracelet. 如申請專利範圍第1項所述之基於近場通信之支付系統，其中該第二近場通信裝置係一手機終端。The payment system based on near field communication according to item 1 of the scope of patent application, wherein the second near field communication device is a mobile phone terminal. 一種基於近場通信之支付方法，包括下列步驟：利用一第一近場通信裝置靠近一第二近場通信裝置，使該第二近場通信裝置中之一解密模組為該第一近場通信裝置中之一支付模組進行解密；利用該第一近場通信裝置靠近一支付終端，使該第一近場通信裝置之該支付模組對該支付終端進行支付。A payment method based on near field communication includes the following steps: using a first near field communication device to approach a second near field communication device, so that one of the decryption modules in the second near field communication device is the first near field; A payment module in the communication device performs decryption; the first near field communication device is used to approach a payment terminal, so that the payment module of the first near field communication device makes payment to the payment terminal. 如申請專利範圍第6項所述之基於近場通信之支付方法，其中該支付模組係包括複數個銀行卡資訊之一銀行卡系統。The payment method based on near field communication according to item 6 of the patent application scope, wherein the payment module includes a bank card system which is one of a plurality of bank card information. 如申請專利範圍第7項所述之基於近場通信之支付方法，更包含下列步驟：當該第一近場通信裝置靠近該第二近場通信裝置時，先藉由該第二近場通信裝置中之一選擇模組選擇該銀行卡系統中該些銀行卡資訊之其中之一，再藉由該解密模組將選擇之該銀行卡資訊解密；以及當該第二近場通信裝置中之解密模組將選擇之銀行卡資訊解密後，藉由該第二近場通信裝置之一時間設定模組設定維持解密狀態之時間。According to the near field communication payment method described in item 7 of the scope of patent application, the method further includes the following steps: when the first near field communication device is close to the second near field communication device, the second near field communication is first used. A selection module in the device selects one of the bank card information in the bank card system, and then decrypts the selected bank card information by the decryption module; and when the second near field communication device After the decryption module decrypts the selected bank card information, the time for maintaining the decryption state is set by a time setting module of the second near field communication device. 如申請專利範圍第6項所述之基於近場通信之支付方法，其中該第一近場通信裝置係一近場通信手環。The payment method based on near field communication according to item 6 of the patent application scope, wherein the first near field communication device is a near field communication bracelet. 如申請專利範圍第6項所述之基於近場通信之支付方法，其中該第二近場通信裝置係一手機終端。The payment method based on near field communication according to item 6 of the patent application scope, wherein the second near field communication device is a mobile phone terminal.
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