TWI804813B - Payment method, payment terminal, cloud subsystem, cloud server and system - Google Patents

Abstract

The invention provides a payment method, a payment terminal, a cloud subsystem, a cloud server and a system, and relates to the field of data processing. The method includes: if sensing the contactless module of the user equipment, sending a contactless payment request instruction to the second cloud subsystem through the first cloud subsystem; performing contactless payment with the second cloud subsystem through the first cloud subsystem Interact with the payment application to obtain the payment element; transmit the payment element information to the user device through the contactless module; receive the payment ciphertext transmitted by the user device through the contactless module, and transmit the payment ciphertext through the first cloud subsystem To the second cloud subsystem, the payment ciphertext is generated according to the payment element information; and the payment result information transmitted by the second cloud subsystem through the first cloud subsystem is received. Using the technical solution of the invention can reduce the overall cost of the system supporting the contactless payment process.

Description

Payment method, payment terminal, cloud subsystem, cloud server and system

The invention belongs to the field of data processing, and in particular relates to a payment method, a payment terminal, a cloud subsystem, a cloud server and a system.

In recent years, with the development of electronic technology, contactless communication technology has been applied in more and more fields. For example, in the field of payment, contactless communication technology can be used for payment. To conduct transactions using contactless technology, it is necessary to add a contactless communication function module to a payment terminal such as a POS machine (that is, a sales terminal). Adding a contactless communication function module makes the structure of the payment terminal itself more complex, which will increase the cost of the payment terminal, and the number of payment terminals put into use is very large, thus greatly increasing the overall cost of the system supporting the contactless payment process.

The embodiment of the present invention provides a payment method, a payment terminal, a cloud subsystem, a cloud server and a system, which can reduce the overall cost of the system supporting the contactless payment process.

In the first aspect, an embodiment of the present invention provides a payment method, which is applied to a payment terminal, and the method includes:

If the contactless module of the user equipment is sensed, the contactless payment request command is sent to the second cloud subsystem through the first cloud subsystem;

The contactless payment application interaction is performed between the first cloud subsystem and the second cloud subsystem to obtain payment elements;

Transmit the payment element information to the user's device through the contactless module;

Receive the payment ciphertext transmitted by the user equipment through the contactless module, transmit the payment ciphertext to the second cloud subsystem through the first cloud subsystem, and generate the payment ciphertext according to the payment element information;

Receive the payment transmitted by the second cloud subsystem through the first cloud subsystem Result information.

In the second aspect, the embodiment of the present invention provides a payment method, which is applied to the second cloud subsystem, and the method includes:

Responding to the contactless payment request instruction transmitted by the payment terminal through the first cloud subsystem, and interacting with the payment terminal through the first cloud subsystem to obtain payment element information;

transmit the payment element information to the payment terminal through the first cloud subsystem;

receiving the payment ciphertext transmitted by the payment terminal through the first cloud subsystem, and the payment ciphertext is generated according to the payment element information;

receiving the payment information obtained by the first cloud subsystem according to the payment ciphertext, and sending the payment information to the settlement processing system;

The payment result information fed back by the settlement processing system is obtained, and at least part of the payment result information is transmitted to the payment terminal through the first cloud subsystem.

In a third aspect, an embodiment of the present invention provides a payment method, which is applied to the first cloud subsystem, and the method includes:

receiving the contactless payment request instruction sent by the payment terminal, and transmitting the contactless payment request instruction to the second cloud subsystem;

Interacting between the payment terminal and the contactless payment application of the second cloud subsystem, and transmitting the payment elements sent by the second cloud subsystem to the payment terminal;

Receive the payment ciphertext sent by the payment terminal, transmit the payment ciphertext to the second cloud subsystem, and generate the payment ciphertext according to the payment element information;

Obtain payment information matching the payment ciphertext according to the payment ciphertext, and transmit the payment information to the second cloud subsystem;

Receive payment result information transmitted from the second cloud subsystem, and transmit at least part of the payment result information to the payment terminal.

In a fourth aspect, an embodiment of the present invention provides a payment terminal, including:

The contactless communication module is used to sense the contactless module of the user equipment, and transmit the payment element information obtained through the interaction of the contactless payment application to the user equipment through the contactless module, And, receiving the payment ciphertext transmitted by the user equipment through the contactless module, and the payment ciphertext is generated according to the payment element information;

The network communication module is used to send a contactless payment request command to the second cloud subsystem through the first cloud subsystem if the contactless communication module senses the contactless module of the user equipment, and, through the first cloud subsystem The system performs contactless payment application interaction with the second cloud subsystem, and transmits the payment ciphertext to the second cloud subsystem through the first cloud subsystem, and receives the second cloud subsystem through the first cloud subsystem. Payment result information for .

In a fifth aspect, an embodiment of the present invention provides a cloud subsystem, including:

The network communication module is used to respond to the contactless payment request instruction transmitted by the payment terminal through the first cloud subsystem, to conduct contactless payment application interaction with the payment terminal through the first cloud subsystem, and to pass the payment element information through the first cloud subsystem A cloud subsystem transmits to the payment terminal, and receives the payment ciphertext transmitted by the payment terminal through the first cloud subsystem, the payment ciphertext is generated according to the payment element information, and receives the payment ciphertext obtained by the first cloud subsystem according to the payment ciphertext Payment information, sending the payment information to the settlement processing system, and receiving the payment result information fed back by the settlement processing system, and transmitting at least part of the payment result information to the payment terminal through the first cloud subsystem;

The processing module is used to obtain payment element information through contactless payment application interaction.

In a sixth aspect, an embodiment of the present invention provides a cloud subsystem, including:

The network communication module is used to receive the contactless payment request instruction sent by the payment terminal, transmit the contactless payment request instruction to the second cloud subsystem, and perform the contactless payment application interaction between the payment terminal and the second cloud subsystem , transmit the payment element sent by the second cloud subsystem to the payment terminal, and receive the payment ciphertext sent by the payment terminal, transmit the payment ciphertext to the second cloud subsystem, generate the payment ciphertext according to the payment element information, and send The payment information is transmitted to the second cloud subsystem, and the payment result information transmitted from the second cloud subsystem is received, and at least part of the payment result information is transmitted to the payment terminal;

The processing module is used to obtain payment information matching the payment ciphertext according to the payment ciphertext.

In a seventh aspect, an embodiment of the present invention provides a payment system, including a payment terminal, a first cloud subsystem, and a second cloud subsystem;

The payment terminal is used to implement the payment method in the technical solution of the first aspect;

The second cloud server is used to execute the payment method in the technical solution of the second aspect;

The first cloud server is used to implement the payment method in the technical solution of the above aspect.

In the eighth aspect, the embodiment of the present invention provides a payment terminal, including a processor, a memory, and a computer program stored in the memory and operable on the processor. When the computer program is executed by the processor, the technical solution of the first aspect is realized. payment method in .

In the ninth aspect, the embodiment of the present invention provides a cloud server, including a processor, a memory, and a computer program stored in the memory and operable on the processor. When the computer program is executed by the processor, the technology of the second aspect is realized. The payment method in the scheme or the payment method in the technical scheme for realizing the third aspect.

In a tenth aspect, embodiments of the present invention provide a computer-readable storage medium, on which a computer program is stored, and when the computer program is executed by a processor, the technical solution of the first aspect, the technical solution of the second aspect or the third aspect are realized. The payment method in the technical solution of the aspect.

Embodiments of the present invention provide a payment method, a payment terminal, a cloud subsystem, a cloud server, and a system. The contactless payment application interaction of the user equipment is not performed between the user equipment and the payment terminal, but through the payment terminal and the third payment terminal. A cloud subsystem communicates with a second cloud subsystem. The user equipment does not need to install a functional module to realize the contactless payment application interaction between the user equipment and the character terminal, and the user equipment only needs to include a functional module with a contactless communication function and a functional module with a network communication function group. In the case that the user equipment has the contactless communication function, the structure of the payment terminal is simplified, the cost of the payment terminal is reduced, and thus the overall cost of the system supporting the contactless payment process is reduced.

100,800: payment terminal

101: Contactless communication module

102,201,301: Network communication module

103:Central processing module

104: Power supply and power amplifier module

200: The first cloud subsystem

202, 302: processing modules

300: Second cloud subsystem

801: Memory

802: Processor

803: communication interface

804: Bus

S401~S405, S4021~S4025, S501~S505, S5021~S5025, S601~S605, S6011~S6013, S701~S728: steps

W1: The first slicing network

W1-1: The first slice subnet

W1-2: Second slice subnet

W2: The second slice network

W2-1: The third slice subnet

W2-2: The fourth slice subnet

W2-3: Fifth slice subnetwork

This invention can be better understood from the following description of specific embodiments of the present invention in conjunction with the drawings. invention. Wherein, the same or similar schematic symbols represent the same or similar features.

FIG. 1 is a schematic structural diagram of a payment system provided by an embodiment of the present invention;

Fig. 2 is a flowchart of a payment method applied to a payment terminal provided by an embodiment of the present invention;

FIG. 3 is a flowchart of a payment method applied to a payment terminal in another embodiment of the present invention;

Fig. 4 is a flow chart of a payment method applied to a payment terminal provided by another embodiment of the present invention;

FIG. 5 is a schematic diagram of a network slice between a payment terminal, a first cloud subsystem, and a second cloud subsystem in an embodiment of the present invention;

FIG. 6 is a flow chart of a payment method applied to the first cloud subsystem provided by an embodiment of the present invention;

FIG. 7 is a flow chart of a payment method applied to the first cloud subsystem provided by another embodiment of the present invention;

Fig. 8 is a flow chart of a payment method applied to the first cloud subsystem provided by another embodiment of the present invention;

FIG. 9 is a flow chart of a payment method applied to the second cloud subsystem provided by an embodiment of the present invention;

FIG. 10 is a flow chart of a payment method applied to the second cloud subsystem provided by another embodiment of the present invention;

FIG. 11 is a flowchart of a payment method applied to a payment system provided by an embodiment of the present invention;

Fig. 12 is a schematic structural diagram of a payment terminal provided by an embodiment of the present invention;

Fig. 13 is a schematic structural diagram of a payment terminal provided by another embodiment of the present invention;

FIG. 14 is a schematic structural diagram of a first cloud subsystem provided by an embodiment of the present invention;

FIG. 15 is a schematic structural diagram of a second cloud subsystem provided by an embodiment of the present invention;

Fig. 16 is a schematic diagram of a hardware structure of a payment terminal in an embodiment of the present invention.

Features and exemplary implementations of various aspects of the invention are described in detail below example. In the following detailed description, numerous specific details are set forth in order to provide a thorough understanding of the present invention. It will be apparent, however, to one skilled in the art that the present invention may be practiced without some of these specific details. The following description of the embodiments is only to provide a better understanding of the present invention by showing examples of the present invention. The present invention is by no means limited to any specific configurations and algorithms set forth below, but covers any modification, substitution and improvement of elements, components and algorithms without departing from the spirit of the invention. In the drawings and the following description, well-known structures and techniques have not been shown in order to avoid unnecessarily obscuring the present invention.

Embodiments of the present invention provide a payment method, a payment terminal, a cloud subsystem, a cloud server, and a system, which can be applied in contactless payment scenarios. Among them, contactless payment is a means of payment using contactless communication technology. For example, the contactless communication technology may specifically include but not limited to near field communication (Near Field Communication, NFC) technology and the like.

The payment method in the embodiment of the present invention involves a payment terminal, a first cloud subsystem and a second cloud subsystem. For example, FIG. 1 is a schematic structural diagram of a payment system provided by an embodiment of the present invention. As shown in FIG. 1 , the payment system includes a payment terminal 100 , a first cloud subsystem 200 and a second cloud subsystem 300 . Wherein, the payment terminal 100 communicates with the user equipment, the payment terminal 100 communicates with the first cloud subsystem 200 , and the first cloud subsystem 200 communicates with the second cloud subsystem 300 . That is, the payment terminal 100 communicates with the second cloud subsystem 300 through the first cloud subsystem 200 . The payment terminal 100 retains basic contactless communication functions and network communication functions. The payment application interaction function for the user equipment is no longer executed by the payment terminal 100 , but is executed by the second cloud subsystem 300 . In some examples, the payment terminal 100 includes but is not limited to payment devices such as POS machines. The POS machines may include an NFC module and a network communication module, and the card swiping module is no longer reserved. The first cloud subsystem 200 may include at least one cloud server and other supporting equipment, which is not limited here. The first cloud subsystem 200 may specifically be a cloud subsystem of an acquirer. The second cloud subsystem 300 may include at least one cloud server and other supporting equipment, which is not limited here. The second cloud subsystem 300 may be specifically a cloud subsystem of the service party. User equipment may specifically include but not limited to smart cards, IC cards, devices with contactless communication functions, etc., such as bank cards, device cards, mobile phones with NFC payment functions, bracelets, etc. equipment is not limited here.

An embodiment of the present invention provides a payment method, which can be applied to a payment terminal. Fig. 2 is a flow chart of a payment method applied to a payment terminal provided by an embodiment of the present invention. As shown in FIG. 2, the payment method may include steps S401 to S405.

In step S401, if the contactless module of the user equipment is sensed, the first cloud subsystem sends a contactless payment request command to the second cloud subsystem.

In the payment scenario, if the user uses the user device for contactless payment, the user device needs to be brought close to the payment terminal. The user equipment is provided with a contactless module. The payment terminal is provided with a contactless communication module. When the user equipment is close to the payment terminal, the contactless communication module in the payment terminal can sense the contactless module in the user equipment, and the payment terminal triggers to send contactless payment to the second cloud subsystem through the first cloud subsystem Request instructions. The contactless payment request instruction is used to represent a request to initiate a contactless payment.

Wherein, the payment terminal sends a contactless payment request instruction to the second cloud subsystem through the first cloud subsystem, which means that the payment terminal sends the contactless payment request instruction to the first cloud subsystem, and then the first cloud subsystem sends the contactless payment request instruction to the first cloud subsystem. Receive the payment request instruction and send it to the second cloud subsystem.

In step S402, the payment element is obtained through the contactless payment application interaction between the first cloud subsystem and the second cloud subsystem.

The payment terminal interacts with the contactless payment application with the second cloud subsystem, and the purpose of the contactless payment application interaction is to obtain payment elements required by the application in the payment terminal used in the contactless payment. In some examples, the payment element may specifically be an element required by a processing options data object list (Processing Options Data Object List, PDOL), which is not limited herein.

Contactless payment application interaction is a process. During the contactless payment user interaction process, the payment terminal and the second cloud subsystem transmit multiple device interaction instructions and device interaction response instructions through the first cloud subsystem. The device interaction command and the device interaction response command can be implemented as various request information, response information, etc., which are not limited here. The transmission of information between the payment terminal and the first cloud subsystem, and the transmission of information between the first cloud subsystem and the second cloud subsystem can be performed in a transparent manner.

In step S403, the payment element information is transmitted to the user equipment through the contactless module.

The payment terminal transmits the payment element to the user equipment through the contactless module, so that the user equipment can calculate a signature according to the information of the payment element, and the signature can specifically be a dynamic signature. The user equipment uses the signature to generate payment ciphertext. In some examples, the payment cryptogram may specifically be an authorization request cryptogram (Authorization Request Cryptogram, ARQC), which is not limited herein.

In step S404, the payment ciphertext transmitted by the user equipment through the contactless module is received, and the payment ciphertext is transmitted to the second cloud subsystem through the first cloud subsystem.

Wherein, the payment ciphertext is generated according to the payment element information. The payment terminal transmits the payment ciphertext to the first cloud subsystem, and then the first cloud subsystem transmits the payment ciphertext to the second cloud subsystem. The transmission of the payment ciphertext between the payment terminal and the first cloud subsystem, and the transmission of the payment ciphertext between the first cloud subsystem and the second cloud subsystem can be performed in a transparent manner.

In step S405, the payment result information transmitted by the second cloud subsystem through the first cloud subsystem is received.

The second cloud subsystem can communicate with the settlement processing system, and the settlement processing system completes the payment processing and sends the payment result information to the second cloud subsystem. The first cloud subsystem receives the payment result information sent by the second cloud subsystem, and sends the payment result information to the payment terminal. The payment terminal can receive the payment result information. Wherein, the payment result information is used to represent the payment result. The payment result may include whether the payment is successful, the payment amount, etc., which are not limited here. The terminal receives the payment result information, indicating that the payment process is over.

In the embodiment of the present invention, the contactless payment application interaction of the user equipment is not performed between the user equipment and the payment terminal, but through the payment terminal and the first cloud subsystem and the second cloud subsystem. The user equipment does not need to install a functional module to realize the contactless payment application interaction between the user equipment and the character terminal, and the user equipment only needs to include a functional module with a contactless communication function and a functional module with a network communication function group. In the case that the user equipment has a contactless communication function, the structure of the payment terminal is simplified, and the cost of the payment terminal is reduced. The overall cost of the system supporting the contactless payment process is thereby reduced.

Fig. 3 is a flowchart of a payment method applied to a payment terminal in another embodiment of the present invention. The difference between FIG. 3 and FIG. 2 is that step S402 in FIG. 2 may be specifically detailed as steps S4021 to S4023 in FIG. 3 .

In step S4021, confirm the contactless payment environment through the first cloud subsystem and the second cloud subsystem, and transmit the identification of the payment application supported by the user equipment to the second cloud subsystem through the first cloud subsystem.

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

Among them, the confirmation of the contactless payment environment is a process in which the payment terminal realizes the confirmation of the contactless payment environment between the user equipment and the second cloud subsystem through the first cloud subsystem, and the user equipment and the second cloud subsystem complete the contactless payment After the environment is confirmed, the process of payment application selection will be carried out.

Specifically, the payment terminal may receive contactless payment environment confirmation request information transmitted by the second cloud subsystem through the first cloud subsystem, and transmit the contactless payment environment confirmation request information to the user equipment through the contactless module. That is, the second cloud subsystem transparently transmits the contactless payment environment confirmation request information to the first cloud subsystem, the first cloud subsystem transparently transmits the contactless payment environment confirmation request information to the payment terminal, and the payment terminal confirms the contactless payment environment Request information to be transparently transmitted to the user's device.

Wherein, the contactless payment environment confirmation request information is used to request confirmation of the contactless payment environment from the user equipment.

The user equipment receives the contactless payment environment confirmation request information, generates contactless payment environment confirmation response information according to the contactless payment environment confirmation request information, and transmits the contactless payment environment confirmation response information to the payment terminal through the contactless module.

The payment terminal receives the contactless payment environment confirmation response information transmitted by the user equipment through the contactless module, and transmits the contactless payment environment confirmation response information to the second remote subsystem through the first cloud subsystem. That is, the user equipment transparently transmits the contactless payment environment confirmation response information to the payment terminal, and the payment terminal transparently transmits the contactless payment environment confirmation response information to the first cloud sub system, the first cloud subsystem transparently transmits the contactless payment environment confirmation response information to the second cloud subsystem.

The payment terminal receives the identification of the payment application supported by the user equipment transmitted by the user equipment through the contactless module, and transmits the identification of the payment application supported by the user equipment to the second cloud subsystem through the first cloud subsystem. It should be noted that the identification of the payment application supported by the user equipment received by the payment terminal may be carried in the above-mentioned contactless payment environment confirmation response information, or may be carried with other information, which is not limited here. In some examples, the identifier of the payment application may specifically be an Application Identifier (Application Identifier, AID), which is not limited here.

In step S4022, a payment application is selected through the first cloud subsystem and the second cloud subsystem.

Wherein, the payment application selection is a process in which the payment terminal realizes the selection of the payment application between the user equipment and the second cloud subsystem through the first cloud subsystem. After the user equipment and the second cloud subsystem complete the payment application selection, the application information of the application required in this payment process can be obtained.

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

Wherein, the target payment application information is the application information of at least one payment application supported by the user equipment and/or the application information of at least one payment application supported by the second cloud subsystem. The target payment application information is specifically selected by the second cloud subsystem to transmit the application information of which payment application or applications supported by the user equipment and/or which payment application or application information is supported by the second cloud subsystem, which is not limited here. .

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

In step S4023, the payment element interaction is performed between the first cloud subsystem and the second cloud subsystem, and the payment element information transmitted by the second cloud subsystem through the first cloud subsystem is received.

Wherein, the payment element interaction is a process in which the payment terminal realizes the payment element interaction between the user equipment and the second cloud subsystem through the first cloud subsystem. After completing the payment element interaction between the user equipment and the second cloud subsystem, the payment element information required in the payment process can be obtained.

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

The payment terminal receives the payment element response information transmitted by the second cloud subsystem through the first cloud subsystem, and transmits the payment element response information to the user equipment through the contactless module. That is, the second cloud subsystem transparently transmits the payment element response information to the first cloud subsystem, the first cloud subsystem transparently transmits the payment element response information to the payment terminal, and the payment terminal transparently transmits the payment element response information to the user equipment. Wherein, the payment element response information includes payment element information. The payment element response information is generated by the second cloud subsystem according to the payment element request information. In some examples, the payment element response information may be implemented as a Get Processing Options (GPO) command.

In some examples, the payment element response information may also carry an end identifier. The end flag is used to indicate that the response information of the payment element is the last instruction sent by the second cloud subsystem to the first cloud subsystem during the interaction process of the contactless payment application. In some other examples, while sending the payment element response information, the second cloud subsystem sends end information, and the end information is used to indicate that the payment element response information is the second cloud subsystem in the contactless payment application interaction process The last command sent to the first cloud subsystem.

Fig. 4 is a flow chart of a payment method applied to a payment terminal provided by another embodiment of the present invention. The difference between FIG. 4 and FIG. 2 is that step S402 in FIG. 2 can be specifically refined into step S4024 and step S4025 in FIG. 4 .

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

The contactless payment request instruction in the above embodiment includes the terminal identification of the payment terminal. The terminal identification of the payment terminal is unique, that is, different payment terminals have different terminal identifications. In some examples, the terminal identifier of the payment terminal may be a unique corresponding code of the hardware structure of the payment terminal, which is not limited here. After the first cloud subsystem receives the contactless payment request instruction sent by the payment terminal, it will verify the validity of the terminal identification in the contactless payment request instruction, and according to whether the terminal identification is legal, generate authentication response information and send it to . Wherein, the authentication response information is used to represent whether the terminal identification of the payment terminal is legal. The legitimacy here means that the first cloud subsystem and the second cloud subsystem support the payment initiated by the payment terminal corresponding to the terminal identifier.

In step S4025, if the authentication response information indicates that the terminal identification of the payment terminal is legal, the payment element is obtained through the contactless payment application interaction between the first cloud subsystem and the second cloud subsystem.

Only when the terminal identification is legal, the payment terminal will interact with the contactless payment application between the user equipment and the second cloud subsystem through the first cloud subsystem.

Through the unique terminal identification of the payment terminal, a stable communication link can be established between the terminal device, the first cloud subsystem and the second cloud subsystem. Ensure that the first cloud subsystem and the second cloud subsystem will not actively receive information sent by payment terminals without terminal identifiers, nor will they receive information sent by heavy-duty terminals without legal terminal identifiers, ensuring the security of the payment process sex and reliability.

In the above embodiments, the network slicing technology can be used to realize the communication between the payment terminal, the first cloud subsystem and the second cloud subsystem, so as to realize the resource separation of network transmission. Network slicing technology is an on-demand networking technology in 5G networks, which can be used on a unified basis Multiple virtual end-to-end networks are cut out on the facility, and each network slice is logically isolated from the radio access network to the bearer network to the core network. The use of different network slices can realize the resource separation of network transmission, thereby improving the transmission efficiency and the utilization rate of network resources.

Wherein, the payment terminal communicates with the first cloud subsystem through the first slice network. The first cloud subsystem communicates with the second cloud subsystem through the second slice network. Each slice network can include multiple slice subnets, and each slice subnet can transmit specific resources.

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

The first sliced subnetwork W1-1 is used for the contactless payment application interaction in the above implementation. The second slice sub-network W1-2 is used for transmitting payment result information. The third slice subnetwork W2-1 is used to perform contactless payment application interaction in the above embodiment. The fourth slice sub-network W2-2 is used to transmit payment information. The fifth sub-network W2-3 is used for transmitting payment result information. Wherein, the payment information is obtained by the first cloud subnet according to the payment ciphertext. In some examples, the payment information may include but not limited to payment amount, terminal identification, merchant identification, etc., which is not limited here.

In some examples, due to different types of payment result information, for example, voice type, text type and image type are included. Correspondingly, the fifth subnetwork slice can also be divided into multiple subnetwork slices, and different subnetwork slices transmit different types of payment result information. For example, a slice sub-network belonging to the fifth slice sub-network is used to transmit payment result information of voice type. Another slice subnetwork belonging to the fifth slice subnetwork is used for transmitting payment result information of text type. Another slice subnetwork belonging to the fifth slice subnetwork is used for transmitting payment result information of image type.

The embodiment of the present invention also provides a payment method, which can be applied to the first cloud subsystem. FIG. 6 is a flow chart of a payment method applied to the first cloud subsystem provided by an embodiment of the present invention. As shown in FIG. 6, the payment method may include steps S501 to S505.

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

The payment terminal transparently transmits the contactless payment request instruction to the first cloud subsystem, and the first cloud subsystem transparently transmits the contactless payment request instruction to the second cloud subsystem. For the content of the contactless payment request instruction, reference may be made to relevant descriptions in the foregoing embodiments, and details are not repeated here.

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

Information in the contactless payment application interaction process between the payment terminal and the second cloud subsystem needs to be transmitted by the first cloud subsystem. The second cloud subsystem transparently transmits the payment element information obtained during the contactless payment application interaction process to the first cloud subsystem, and the first cloud subsystem transparently transmits the payment element information to the payment terminal.

Wherein, the content of contactless payment application interaction and payment element information can refer to the relevant description in the above embodiment, and will not be repeated here.

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

Wherein, the payment ciphertext is generated according to the payment element information. For the content of the payment ciphertext, refer to the relevant descriptions in the above embodiments, and details are not repeated here.

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

Wherein, the payment information may include but not limited to payment amount, terminal identification, merchant identification, etc., which is not limited here.

In step S505, the payment result information transmitted from the second cloud subsystem is received, and at least part of the payment result information is transmitted to the payment terminal.

Wherein, the payment result information is obtained according to the payment information. For the content of the payment result information, please refer to the relevant descriptions in the above embodiments, which will not be repeated here.

In the embodiment of the present invention, the payment terminal and the second cloud subsystem perform the transmission of the contactless payment request instruction, the interaction process of the contactless payment application, the transmission of the payment ciphertext, the transmission of the payment information and the payment result through the first cloud subsystem. transmission of information to enable contactless The user interaction process is executed by the second cloud subsystem, and there is no need to install a functional module in the user equipment to realize the contactless payment application interaction between the user equipment and the character terminal. The structure of the payment terminal is simplified, and the cost of the payment terminal is reduced, thereby reducing the overall cost of the system supporting the contactless payment process.

Fig. 7 is a flowchart of a payment method applied to the first cloud subsystem provided by another embodiment of the present invention. The difference between FIG. 7 and FIG. 6 is that step S502 in FIG. 6 may be specifically detailed as steps S5021 to S5023 in FIG. 7 .

In step S5021, confirm the contactless payment environment between the payment terminal and the second cloud subsystem, and transparently transmit the identification of the payment application supported by the user equipment issued by the payment terminal to the second cloud subsystem.

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

Specifically, the first cloud subsystem transparently transmits the contactless payment environment confirmation request information sent by the second cloud subsystem to the payment terminal. The first cloud subsystem transparently transmits the contactless payment environment confirmation response information sent by the payment terminal to the second cloud subsystem.

In step S5022, the payment application selection between the payment terminal and the second cloud subsystem is performed.

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

In step S5023, the payment terminal interacts with the payment element of the second cloud subsystem, and transparently transmits the payment element information sent by the second cloud subsystem to the payment terminal.

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

In this embodiment, the confirmation of the contactless payment environment, the identification of the payment application supported by the user equipment, the selection of the payment application, the interaction of the payment element and the information of the payment element can be found in Relevant descriptions in the foregoing embodiments will not be repeated here.

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

In step S5024, transmit authentication response information to the payment terminal according to the terminal identification of the payment terminal in the contactless payment request instruction.

Wherein, the contactless payment request instruction includes the terminal identification of the payment terminal. The first cloud subsystem verifies the legitimacy of the terminal identification in the contactless payment request instruction, and generates authentication response information. Wherein, the authentication response information is used to represent whether the terminal identification of the payment terminal is legal.

In some examples, the first cloud subsystem may be provided with a legal identification database, and the contactless payment request instruction may be determined by checking whether there is an identification identical to the terminal identification in the contactless payment request instruction in the legal identification database. Whether the middle terminal identification is legal. If the same identifier as the terminal identifier in the contactless payment request instruction exists in the legal identifier database, it is determined that the terminal identifier in the contactless payment request instruction is legal. In the embodiment of the present invention, other methods may also be used to verify the validity of the terminal identifier in the contactless payment request instruction, which is not limited here.

In step S5025, if the authentication response information indicates that the terminal identification of the payment terminal is legal, the payment terminal interacts with the contactless payment application of the second cloud subsystem, and transmits the payment element information sent by the second cloud subsystem to the payment terminal .

For the content of the terminal identification, authentication response information, contactless payment application interaction, and payment element information in this embodiment, please refer to relevant descriptions in the above embodiments, and will not be repeated here.

In the above embodiment, the payment terminal of the first cloud subsystem communicates with the payment terminal through the first slice network. The first cloud subsystem communicates with the second cloud subsystem through the second slice network.

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

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

Among them, the payment terminal, the first cloud subsystem and the second cloud subsystem use sliced network technology to realize the communication between the payment terminal, the first cloud subsystem and the second cloud subsystem. Relevant descriptions in the examples are not repeated here.

The present invention also provides a payment method, which can be applied to the second cloud subsystem. FIG. 9 is a flowchart of a payment method applied to the second cloud subsystem provided by an embodiment of the present invention. As shown in Figure 9, the payment method may include steps S601 to S605.

In step S601, in response to the contactless payment request instruction transmitted by the payment terminal through the first cloud subsystem, the contactless payment application interaction is performed with the payment terminal through the first cloud subsystem to obtain payment element information.

For the content of the contactless payment request instruction, contactless payment application interaction and payment element information, please refer to the relevant descriptions in the above embodiments, and details will not be repeated here.

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

In step S603, the payment ciphertext transmitted by the payment terminal through the first cloud subsystem is received.

Wherein, the payment ciphertext is generated according to the payment element information. For the content of the payment ciphertext, refer to the relevant descriptions in the above embodiments, and details are not repeated here.

In step S604, the payment information obtained by the first cloud subsystem according to the payment ciphertext is received, and the payment information is sent to the settlement processing system.

Wherein, the settlement processing system is used to generate payment result information according to the payment information, and transmit the payment result information to the second cloud subsystem.

In step S605, the payment result information fed back by the settlement processing system is obtained, and at least part of the payment result information is transmitted to the payment terminal through the first cloud subsystem.

Wherein, the payment result information is used to represent the payment result. The payment result may include whether the payment is successful, the payment amount, etc., which are not limited here.

Specifically, the second cloud subsystem can transmit all payment result information returned by the settlement processing system to the first cloud subsystem, and the first cloud subsystem stores all payment result information. Since the payment result information displayed by the payment terminal to the user may be a part, the first cloud subsystem may transmit part of the payment result information or all the payment result information to the payment terminal, which is not limited here.

In the embodiment of the present invention, the contactless payment application interaction of the user equipment is not performed between the user equipment and the payment terminal, but through the payment terminal and the first cloud subsystem and the second cloud subsystem. There is no need to install a functional module in the user equipment to realize the contactless payment application interaction between the user equipment and the character terminal, which simplifies the structure of the payment terminal, reduces the cost of the payment terminal, and thus reduces the cost of supporting the contactless payment process. The overall cost of the system.

FIG. 10 is a flow chart of a payment method applied to the second cloud subsystem provided by another embodiment of the present invention. The difference between FIG. 10 and FIG. 9 is that step S601 in FIG. 9 can be specifically detailed into steps S6011 to S6013.

In step S6011, respond to the contactless payment request instruction transmitted by the payment terminal through the first cloud subsystem, confirm the contactless payment environment with the payment terminal through the first cloud subsystem, and receive the payment terminal’s transmission through the first cloud subsystem The identification of the payment application supported by the incoming user's device.

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

Specifically, the second cloud subsystem transmits the contactless payment environment confirmation request information to the payment terminal through the first cloud subsystem. The second cloud subsystem receives contactless payment environment confirmation response information transmitted by the payment terminal through the first cloud subsystem.

In step S6012, a payment application is selected through the first cloud subsystem and the payment terminal.

Specifically, the second cloud subsystem creates an application identifier candidate list according to the identifiers of the payment applications supported by the user equipment and the identifiers of the payment applications supported by the second cloud subsystem. Wherein, the candidate list of application identifiers includes identifiers for payment used by the user equipment and identifiers of payment applications supported by the second cloud subsystem. In the application identification candidate clearing, the second cloud subsystem Select the target application ID from the list, obtain the target payment information matching the target application ID, and transmit the target payment information to the payment terminal through the first cloud subsystem. The target application identification is the identification of at least one payment application in the application identification candidate list.

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

Specifically, the second cloud subsystem receives payment element request information transmitted by the payment terminal through the first cloud subsystem. The second cloud subsystem generates payment element response information according to the payment element request information. Wherein, the payment element response information includes payment element information. The second cloud subsystem transmits the payment element response information to the payment terminal through the first cloud subsystem.

Among them, the content of contactless payment environment confirmation, contactless payment environment confirmation request information, contactless payment environment confirmation response information, payment application selection, payment element interaction, payment element request information, and payment element response information can be referred to in the above-mentioned embodiments. Relevant descriptions will not be repeated here.

In some embodiments, the second cloud subsystem may include a contactless processing cloud subsystem and a payment processing cloud subsystem. Wherein, the contactless processing cloud subsystem is used to execute the relevant steps of contactless payment application interaction. The payment processing cloud subsystem is used to perform steps related to payment information and payment result information. For example, the contactless processing cloud subsystem can execute the above steps S601 to S603, and steps S6011 to S6013. The payment processing cloud subsystem can execute the above steps S604 and S605.

In the above embodiment, the payment terminal communicates with the first cloud subsystem through the first slice network. The second cloud subsystem communicates with the first cloud subsystem through the second slice network.

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

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

Among them, the payment terminal, the first cloud subsystem and the second cloud subsystem use sliced network technology to realize the communication between the payment terminal, the first cloud subsystem and the second cloud subsystem. Relevant descriptions in the examples are not repeated here.

For the convenience of description, an example is used below to illustrate the payment method in the payment system including the payment terminal, the first cloud subsystem and the second cloud subsystem. Fig. 11 is a flowchart of a payment method applied to a payment system provided by an embodiment of the present invention. As shown in FIG. 11 , the payment method includes steps S701 to S728.

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

In step S702, the first cloud subsystem verifies the legitimacy of the payment terminal according to the contactless payment request instruction.

In step S703, if the verification determines that the payment terminal is legal, the contactless payment request instruction is transmitted to the second cloud subsystem.

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

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

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

In step S707, the user equipment generates contactless payment environment confirmation response information according to the contactless payment environment confirmation request information, and transmits the contactless payment environment confirmation response information to the payment terminal.

In step S708, the payment terminal transmits the contactless payment environment confirmation response information to the first cloud subsystem. The contactless payment environment confirmation response information includes the identification of the payment application supported by the user equipment.

In step S709, the first cloud subsystem transmits the contactless payment environment confirmation response information to the second cloud subsystem.

In step S710, the second cloud subsystem supports the The identification of the payment application and the identification of the payment application supported by the second cloud subsystem establishes an application identification candidate list.

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

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

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

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

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

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

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

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

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

In step S720, the user equipment generates payment ciphertext according to the payment element information, and transmits the payment ciphertext to the payment terminal.

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

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

In step S723, the first cloud subsystem acquires payment information matching the payment ciphertext according to the payment ciphertext.

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

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

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

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

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

Wherein, the content in the above step S701 to step S728 can refer to the relevant description in the above embodiment, and will not be repeated here.

The embodiment of the present invention also provides a payment terminal. Fig. 12 is a schematic structural diagram of a payment terminal provided by an embodiment of the present invention. As shown in FIG. 12 , the payment terminal 100 includes a contactless communication module 101 and a network communication module 102 .

The contactless communication module 101 is used to sense the contactless module of the user equipment, and transmit the payment element information obtained through the interaction of the contactless payment application to the user equipment through the contactless module, and receive the information of the user equipment through the contactless communication module. Receive the payment ciphertext transmitted by the module, and the payment ciphertext is generated according to the payment element information.

The network communication module 102 is used to send a contactless payment request instruction to the second cloud subsystem through the first cloud subsystem if the contactless communication module senses the contactless module of the user equipment, and, through the first cloud subsystem The system performs contactless payment application interaction with the second cloud subsystem, and transmits the payment ciphertext to the second cloud subsystem through the first cloud subsystem, and receives the second cloud subsystem through the first cloud subsystem. Payment result information for .

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

In the embodiment of the present invention, the contactless payment application of the user equipment interacts and It is not performed between the user equipment and the payment terminal, but through the payment terminal and the first cloud subsystem and the second cloud subsystem. The user equipment does not need to install a functional module to realize the contactless payment application interaction between the user equipment and the character terminal, and the user equipment only needs to include a functional module with a contactless communication function and a functional module with a network communication function group. In the case that the user equipment has the contactless communication function, the structure of the payment terminal is simplified, the cost of the payment terminal is reduced, and thus the overall cost of the system supporting the contactless payment process is reduced.

In some examples, the network communication module 102 can be specifically used to: confirm the contactless payment environment through the first cloud subsystem and the second cloud subsystem, and transmit the usage information to the second cloud subsystem through the first cloud subsystem. The identification of the payment application supported by the device; the selection of the payment application through the first cloud subsystem and the second cloud subsystem; the payment element interaction between the first cloud subsystem and the second cloud subsystem, and receiving the second cloud subsystem pass Payment element information transmitted from the first cloud subsystem.

Specifically, the network communication module 102 can be specifically used to: receive contactless payment environment confirmation request information transmitted by the second cloud subsystem through the first cloud subsystem; Transmitting contactless payment environment confirmation response information; transmitting the identification of the payment application supported by the user equipment to the second cloud subsystem through the first cloud subsystem.

The contactless communication module 101 can be specifically used to: transmit contactless payment environment confirmation request information to the user equipment through the contactless module; receive contactless payment environment confirmation response information transmitted from the user equipment through the contactless module; The identification of the payment application supported by the user equipment transmitted by the user equipment through the contactless module is received.

Specifically, the network communication module 102 may be specifically configured to receive target payment application information transmitted by the second cloud subsystem through the first cloud subsystem.

The contactless communication module 101 can be specifically used to transmit target payment application information to the user equipment through the contactless module.

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

Specifically, the contactless communication module 101 can be specifically used to receive user equipment The payment element request information transmitted through the contactless module; the payment element response information transmitted to the user equipment through the contactless module.

The network communication module 102 can be specifically configured to transmit payment element request information to the second cloud subsystem through the first cloud subsystem; receive payment element response information transmitted from the second cloud subsystem through the first cloud subsystem.

Wherein, the payment element response information includes payment element information.

In some examples, the contactless payment request instruction includes a terminal identification of the payment terminal. The network communication module 102 can be specifically used to: receive the authentication response information transmitted by the first cloud subsystem, the authentication response information is used to indicate whether the terminal identification of the payment terminal is legal; if the authentication response information indicates the terminal identification of the payment terminal It is legal, and the payment element is obtained through the contactless payment application interaction between the first cloud subsystem and the second cloud subsystem.

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

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

Fig. 13 is a schematic structural diagram of a payment terminal provided by another embodiment of the present invention. The difference between FIG. 13 and FIG. 12 is that the payment terminal 100 may also include a central processing module 103 and a power supply and power amplifier module 104 .

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

The power supply and power amplifier module 104 is used to provide power and implement power amplifier functions.

The embodiment of the present invention also provides a cloud subsystem, which is the first cloud subsystem in the above embodiment. FIG. 14 is a schematic structural diagram of a first cloud subsystem provided by an embodiment of the present invention. As shown in FIG. 14 , the first cloud subsystem 200 may include a network communication module 201 and a processing module 202 .

The network communication module 201 is used to receive the contactless payment request instruction sent by the payment terminal, transmit the contactless payment request instruction to the second cloud subsystem, and perform payment terminal The terminal interacts with the contactless payment application of the second cloud subsystem, transmits the payment element sent by the second cloud subsystem to the payment terminal, and receives the payment ciphertext sent by the payment terminal, and transmits the payment ciphertext to the second cloud subsystem In the system, the payment ciphertext is generated according to the payment element information, and the payment information is transmitted to the second cloud subsystem, and the payment result information transmitted from the second cloud subsystem is received, and at least part of the payment result information is transmitted to the payment terminal.

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

The processing module 202 is used to obtain payment information matching the payment ciphertext according to the payment ciphertext.

In the embodiment of the present invention, the payment terminal and the second cloud subsystem perform the transmission of the contactless payment request instruction, the interaction process of the contactless payment application, the transmission of the payment ciphertext, the transmission of the payment information and the payment result through the first cloud subsystem. The information is transmitted so that the contactless payment application interaction process is executed by the second cloud subsystem, and the user equipment does not need to install a functional module to realize the contactless payment application interaction between the user equipment and the character terminal. The structure of the payment terminal is simplified, and the cost of the payment terminal is reduced, thereby reducing the overall cost of the system supporting the contactless payment process.

In some examples, the network communication module 201 can be specifically configured to: confirm the contactless payment environment between the payment terminal and the second cloud subsystem, and transparently transmit the identification of the payment application supported by the user equipment issued by the payment terminal to the The second cloud subsystem; select the payment application between the payment terminal and the second cloud subsystem; perform the interaction between the payment terminal and the payment element of the second cloud subsystem, and transparently transmit the payment element information sent by the second cloud subsystem to the payment terminal .

Specifically, the network communication module 201 can be specifically used to: transparently transmit the contactless payment environment confirmation request information sent by the second cloud subsystem to the payment terminal; transparently transmit the contactless payment environment confirmation response information sent by the payment terminal to the payment terminal; Second cloud subsystem.

Specifically, the network communication module 201 can be specifically configured to transparently transmit the target payment application information sent by the second cloud subsystem to the payment terminal. Wherein, the target payment application information is the application information of at least one payment application supported by the user equipment and/or the application information of at least one payment application supported by the second cloud subsystem.

Specifically, the network communication module 201 can be specifically used to: transparently transmit the payment element request information issued by the payment terminal to the second cloud subsystem; The payment element response information is transparently transmitted to the payment terminal.

Wherein, the payment element response information includes payment element information.

In some examples, the network communication module 201 can be specifically used to: transmit authentication response information to the payment terminal according to the terminal identifier of the payment terminal in the contactless payment request instruction, and the authentication response information is used to indicate whether the terminal identifier of the payment terminal has Legitimacy: if the authentication response information indicates that the terminal identification of the payment terminal is legal, the payment terminal interacts with the contactless payment application of the second cloud subsystem.

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

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

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

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

The network communication module 301 can be used to respond to the contactless payment request instruction transmitted by the payment terminal through the first cloud subsystem, to perform contactless payment application interaction with the payment terminal through the first cloud subsystem, and to pass the payment element information through the second cloud subsystem A cloud subsystem transmits to the payment terminal, and receives the payment ciphertext transmitted by the payment terminal through the first cloud subsystem, the payment ciphertext is generated according to the payment element information, and receives the payment ciphertext obtained by the first cloud subsystem according to the payment ciphertext Payment information, sending the payment information to the settlement processing system, and receiving the payment result information fed back by the settlement processing system, and transmitting at least part of the payment result information to the payment terminal through the first cloud subsystem.

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

The processing module 302 can be used to obtain payment element information through contactless payment application interaction.

In the embodiment of the present invention, the contactless payment application interaction of the user equipment is not performed between the user equipment and the payment terminal, but through the payment terminal and the first cloud subsystem and the second cloud subsystem. There is no need to install a functional module in the user equipment to realize the contactless payment application interaction between the user equipment and the character terminal, which simplifies the structure of the payment terminal, reduces the cost of the payment terminal, and thus reduces the cost of supporting the contactless payment process. The overall cost of the system.

In some examples, the network communication module 301 can be specifically configured to: confirm the contactless payment environment with the payment terminal through the first cloud subsystem, and receive the information supported by the user equipment transmitted by the payment terminal through the first cloud subsystem. Identification of the payment application; selection of the payment application through the first cloud subsystem and the payment terminal; interaction of payment elements through the first cloud subsystem and the payment terminal, and transmission of payment element information to the payment terminal through the first cloud subsystem.

Specifically, the network communication module 301 can be specifically used to: transmit the contactless payment environment confirmation request information to the payment terminal through the first cloud subsystem; receive the contactless payment environment confirmation transmitted by the payment terminal through the first cloud subsystem Respond to information.

The processing module 302 can be specifically configured to: create an application identification candidate list according to the payment application identification supported by the user equipment and the payment application identification supported by the second cloud subsystem; select the target application identification from the application identification candidate list, and Obtain the target payment information matching the target application identifier, and transmit the target payment information to the payment terminal through the first cloud subsystem.

Specifically, the network communication module 301 can be specifically configured to: receive payment element request information transmitted by the payment terminal through the first cloud subsystem; transmit payment element response information to the payment terminal through the first cloud subsystem.

The processing module 302 can be specifically configured to generate payment element response information according to the payment element request information.

Wherein, the payment element response information includes payment element information.

In some examples, the network communication module 301 communicates with The first cloud subsystem communicates.

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

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

Fig. 16 is a schematic diagram of a hardware structure of a payment terminal in an embodiment of the present invention. As shown in FIG. 16 , the payment terminal 800 includes a memory 801 , a processor 802 and computer programs stored in the memory 801 and operable on the processor 802 .

In one example, the processor 802 may include a central processing unit (Central Processing Unit, CPU), or an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), or may be configured to implement one or more of the embodiments of the present invention. an integrated circuit.

Memory 801 may include a large number of storage areas for data or instructions. For example and not limitation, memory 801 may include HDD, floppy disk drive, flash memory, optical disk, magneto-optical disk, magnetic tape or Universal Serial Bus (Universal Serial Bus, USB) drive or two or more above combinations of these. Memory 801 may include removable or non-removable (or fixed) media, where appropriate. The memory 801 can be enabled inside or outside the payment terminal 800 at a terminal hotspot, where appropriate. In a particular embodiment, memory 801 is a non-volatile solid-state memory. In a specific embodiment, the memory 801 includes a read only memory (Read Only Memory, ROM). Where appropriate, the ROM may be a mask programmed ROM, a Programmable Read Only Memory (PROM), an Erasable Programmable Read Only Memory (EPROM) ), Electronically Erasable Programmable Read Only Memory (EEPROM), Electronically Alterable Read Only Memory (EAROM) or flash memory or both A combination of one or more of the above.

The processor 802 runs the computer program corresponding to the executable code by reading the executable code stored in the memory 801, so as to realize the payment method applied to the payment terminal in the above-mentioned embodiment.

In one example, the payment terminal 800 may further include a communication interface 803 and a bus 804 . Wherein, as shown in FIG. 16 , the memory 801 , the processor 802 , and the communication interface 803 are connected through a bus 804 to complete mutual communication.

The communication interface 803 is mainly used to realize the communication between various modules, devices, units and/or equipment in the embodiment of the present invention. Input devices and/or output devices may also be accessed through the communication interface 803 .

Bus 804 includes hardware, software, or both, and couples the components of payment terminal 800 to each other. By way of example and not limitation, the bus 804 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side bus (Front Side Bus, FSB), hyper transport standard (Hyper Transport, HT) interconnect, industry standard architecture (Industry Standard Architecture, ISA) bus, unlimited bandwidth interconnect, low pin count (Low Pin Count, LPC) bus, Memory Bus, Micro Channel Architecture (MCA) Bus, Peripheral Component Interconnect (PCI) Bus, PCI-Express (PCI-X) Bus, Serial Advanced Technology Attachment (Serial Advanced Technology Attachment, SATA) bus, Video Electronics Standards Association local (VESA Local Bus, VLB) bus or other suitable bus or a combination of two or more of these. Bus bar 804 may include one or more bus bars, where appropriate. Although the embodiments of the invention describe and illustrate particular bus bars, the invention contemplates any suitable bus bars or interconnects.

The embodiment of the present invention also provides a cloud server. The hardware structure of the cloud server is basically the same as that of the payment terminal shown in FIG. 16 . It should be noted that the processor in the cloud server reads the executable code stored in the memory to run the computer program corresponding to the executable code, so as to implement the first cloud subsystem in the above embodiment. The payment method and/or the payment method applied to the second cloud subsystem.

An embodiment of the present invention also provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the payment method applied to the payment terminal in the above-mentioned embodiments, and the payment method applied to the payment terminal can be implemented. The payment method of the first cloud subsystem or the payment method applied to the second cloud subsystem.

It should be clear that each embodiment in this specification is described in a progressive manner, and the same or similar parts of each embodiment can be referred to each other, and each embodiment focuses on the differences from other embodiments. place. For the payment terminal embodiment, the cloud subsystem embodiment, the cloud server embodiment, and the computer-readable storage medium embodiment, for relevant parts, please refer to the description of the method embodiment. The present invention is not limited to the specific steps and structures described above and shown in the drawings. Those skilled in the art may make various changes, modifications, and additions, or change the order between steps, after appreciating the spirit of the present invention. Also, for the sake of brevity, detailed descriptions of known methods and techniques are omitted here.

Those skilled in the art should understand that the above-mentioned embodiments are illustrative rather than restrictive. Different technical features in different embodiments can be combined to achieve beneficial effects. Those skilled in the art should be able to understand and implement other modified embodiments of the disclosed embodiments on the basis of studying the drawings, descriptions and claims. In the scope of the patent application, the term "comprising" does not exclude other means or steps; the indefinite article "a" does not exclude a plurality; the terms "first" and "second" are used to indicate names rather than to represent any specific order. Any drawing marks in the scope of the patent application shall not be construed as limiting the scope of protection. The functions of multiple parts appearing in the scope of the patent application can be realized by a single hardware or software module. The presence of certain technical features in different dependent claims does not mean that these technical features cannot be combined to achieve beneficial effects.

S401~S405: steps

Claims (34)

A payment method, characterized in that it is applied to a payment terminal, and the method includes: if the contactless module of the user equipment is sensed, sending a contactless payment request command to the second cloud subsystem through the first cloud subsystem , the payment terminal communicates with the first cloud subsystem through a first slice network, and the first slice network includes a first slice subnetwork and a second slice subnetwork, so The first slice sub-network is used to interact with contactless payment applications, and the second slice sub-network is used to transmit payment result information; the first cloud subsystem and the second cloud subsystem carry out the Interacting with contactless payment applications to obtain payment elements; transmitting the payment element information to the user equipment through the contactless module; receiving payment ciphertext transmitted from the user equipment through the contactless module , transmitting the payment ciphertext to the second cloud subsystem through the first cloud subsystem, the payment ciphertext is generated according to the payment element information; receiving the second cloud subsystem through the second cloud subsystem The payment result information transmitted from a cloud subsystem. The method according to claim 1, wherein said interacting with the contactless payment application between the first cloud subsystem and the second cloud subsystem to obtain payment elements includes: communicating with the first cloud subsystem through the first cloud subsystem The second cloud subsystem confirms the contactless payment environment, and transmits the identification of the payment application supported by the user equipment to the second cloud subsystem through the first cloud subsystem; through the first cloud subsystem The system performs payment application selection with the second cloud subsystem; through the first cloud subsystem and the second cloud subsystem, the payment element interaction is performed, and the second cloud subsystem receives the information passed through the first cloud subsystem. The payment element information transmitted by the system. The method according to claim 2, wherein the contactless payment environment confirmation is performed through the first cloud subsystem and the second cloud subsystem, and the second cloud subsystem is sent to the second cloud subsystem through the first cloud subsystem. The cloud subsystem transmits the identification of the payment application supported by the user equipment, including: receiving contactless payment environment confirmation request information transmitted by the second cloud subsystem through the first cloud subsystem, and transmitting the contactless payment environment confirmation request information to the user through the contactless module equipment; receiving contactless payment environment confirmation response information transmitted by the user equipment through the contactless module, and transmitting the contactless payment environment to the second remote subsystem through the first cloud subsystem Confirm the response information; receive the identification of the payment application supported by the user equipment transmitted by the user equipment through the contactless module, and transmit the identification to the second cloud subsystem through the first cloud subsystem The identification of the payment application supported by the user device. The method according to claim 2, wherein the selecting payment application through the first cloud subsystem and the second cloud subsystem includes: receiving The target payment application information transmitted by the terminal system, the target payment application information is transmitted to the user equipment through the contactless module, wherein the target payment application information is at least one supported by the user equipment The application information of the payment application and/or the application information of at least one payment application supported by the second cloud subsystem. The method according to claim 2, wherein the payment element interaction is performed through the first cloud subsystem and the second cloud subsystem, and the second cloud subsystem receives the information passed through the first cloud subsystem The transmitted payment element information includes: receiving payment element request information transmitted by the user equipment through the contactless module, and transmitting the payment element to the second cloud subsystem through the first cloud subsystem element request information; receiving payment element response information transmitted by the second cloud subsystem through the first cloud subsystem, and transmitting the payment element response information to the user equipment through the contactless module, The payment element response information includes the payment element information. The method according to claim 1, wherein the contactless payment request instruction includes the terminal identification of the payment terminal, The step of obtaining payment elements through the contactless payment application interaction between the first cloud subsystem and the second cloud subsystem includes: receiving authentication response information transmitted from the first cloud subsystem, and the authentication response information uses To indicate whether the terminal identification of the payment terminal is legal; if the authentication response information indicates that the terminal identification of the payment terminal is legal, conduct contactless payment through the first cloud subsystem and the second cloud subsystem The application interacts to obtain the payment element. The method according to claim 1, wherein the communication between the first cloud subsystem and the second cloud subsystem is through a second slice network. The method according to claim 7, wherein the second slice network includes a third slice subnetwork, a fourth slice subnetwork and a fifth slice subnetwork, and the third slice subnetwork is used for For contactless payment application interaction, the fourth slice sub-network is used to transmit payment information, and the fifth slice sub-network is used to transmit the payment result information. A payment method, characterized in that it is applied to the second cloud subsystem, and the method includes: responding to the contactless payment request instruction transmitted by the payment terminal through the first cloud subsystem, through the first cloud subsystem and the The payment terminal interacts with contactless payment applications to obtain payment element information, and the payment terminal communicates with the first cloud subsystem through the first slice network, and the first slice network includes the first Slicing sub-network and a second slicing sub-network, the first slicing sub-network is used to interact with the contactless payment application, and the second slicing sub-network is used to transmit payment result information; The element information is transmitted to the payment terminal through the first cloud subsystem; the payment ciphertext transmitted by the payment terminal through the first cloud subsystem is received, and the payment ciphertext is generated according to the payment element information; receiving the payment information obtained by the first cloud subsystem according to the payment ciphertext, and sending the Send payment information to the settlement processing system; obtain the payment result information fed back by the settlement processing system, and transmit at least part of the payment result information to the payment terminal through the first cloud subsystem. The method as described in claim 9, wherein the contactless payment application interaction between the first cloud subsystem and the payment terminal to obtain payment element information includes: communicating with the first cloud subsystem through the first cloud subsystem The payment terminal confirms the contactless payment environment, and receives the identification of the payment application supported by the user equipment transmitted by the payment terminal through the first cloud subsystem; through the first cloud subsystem and the The payment terminal selects the payment application; interacts with the payment element through the first cloud subsystem, and transmits the payment element information to the payment terminal through the first cloud subsystem. The method according to claim 10, wherein the confirming the contactless payment environment with the payment terminal through the first cloud subsystem includes: passing the contactless payment environment confirmation request information through the first cloud subsystem The system transmits to the payment terminal; receiving contactless payment environment confirmation response information transmitted by the payment terminal through the first cloud subsystem. The method according to claim 10, wherein the selecting a payment application through the first cloud subsystem and the payment terminal includes: according to the identification of the payment application supported by the user equipment and the second The identification of the payment application supported by the cloud subsystem, and establishing an application identification candidate list; selecting the target application identification in the application identification candidate list, and obtaining the target payment information matching the target application identification, and passing the target payment information through The first cloud subsystem transmits to the payment terminal. The method according to claim 10, wherein the payment element interaction is performed with the payment terminal through the first cloud subsystem, and the payment element information is transmitted to the payment terminal through the first cloud subsystem. terminal, including: receiving the payment element request information transmitted by the payment terminal through the first cloud subsystem; generating payment element response information according to the payment element request information, the payment element response information including the payment element information; The response information is transmitted to the payment terminal through the first cloud subsystem. The method according to claim 9, wherein the second cloud subsystem communicates with the first cloud subsystem through a second slice network. The method according to claim 14, wherein the second slice network includes a third slice subnetwork, a fourth slice subnetwork and a fifth slice subnetwork, and the third slice subnetwork is used for For contactless payment application interaction, the fourth slice sub-network is used to transmit payment information, and the fifth slice sub-network is used to transmit the payment result information. A payment method, characterized in that it is applied to a first cloud subsystem, and the method includes: receiving a contactless payment request instruction sent by a payment terminal, transmitting the contactless payment request instruction to a second cloud subsystem; The payment terminal communicates with the first cloud subsystem through the first slice network, and the first slice network includes a first slice subnetwork and a second slice subnetwork, and the first slice network The slicing subnetwork is used to interact with contactless payment applications, and the second slicing subnetwork is used to transmit payment result information; the payment terminal interacts with the contactless payment application of the second cloud subsystem, transmit the payment element sent by the second cloud subsystem to the payment terminal; receive the payment ciphertext sent by the payment terminal, and transmit the payment ciphertext to the second cloud subsystem, and the payment ciphertext The document is generated according to the payment element information; according to the payment ciphertext, the payment information matching the payment ciphertext is obtained, and the payment information is transmitted to the second cloud subsystem; receiving payment result information transmitted from the second cloud subsystem, and transmitting at least part of the payment result information to the payment terminal. The method according to claim 16, wherein the interaction between the payment terminal and the contactless payment application of the second cloud subsystem transmits the payment elements sent by the second cloud subsystem to the payment The terminal includes: confirming the contactless payment environment between the payment terminal and the second cloud subsystem, and transparently transmitting the identification of the payment application supported by the user equipment issued by the payment terminal to the second cloud subsystem. The cloud subsystem; select the payment application between the payment terminal and the second cloud subsystem; perform the interaction between the payment terminal and the payment element of the second cloud subsystem, and send the payment sent by the second cloud subsystem The payment element information is transparently transmitted to the payment terminal. The method according to claim 17, wherein the confirming the contactless payment environment between the payment terminal and the second cloud subsystem includes: confirming the contactless payment environment sent by the second cloud subsystem The request information is transparently transmitted to the payment terminal; the contactless payment environment confirmation response information sent by the payment terminal is transparently transmitted to the second cloud subsystem. The method according to claim 17, wherein the selection of the payment application between the payment terminal and the second cloud subsystem includes: transparently transmitting the target payment application information sent by the second cloud subsystem to In the payment terminal, the target payment application information is application information of at least one payment application supported by the user equipment and/or application information of at least one payment application supported by the second cloud subsystem. The method according to claim 17, wherein said payment terminal interacts with the payment element of the second cloud subsystem, and transparently transmits the payment element information sent by the second cloud subsystem to the The payment terminal includes: transparently transmitting the payment element request information sent by the payment terminal to the second cloud subsystem; transparently transmitting the payment element response information sent by the second cloud subsystem to the payment terminal, The payment element response information includes the payment element information. The method according to claim 16, wherein the contactless payment request instruction includes the terminal identifier of the payment terminal, and the interaction between the payment terminal and the contactless payment application of the second cloud subsystem includes : According to the terminal identification of the payment terminal in the contactless payment request instruction, transmit authentication response information to the payment terminal, the authentication response information is used to indicate whether the terminal identification of the payment terminal is legal; if the The authentication response information indicates that the terminal identification of the payment terminal is legal, and the contactless payment application interaction between the payment terminal and the second cloud subsystem is performed. The method according to claim 16, wherein the payment terminal of the first cloud subsystem communicates with the payment terminal through a first slice network; the first cloud subsystem communicates with the second cloud subsystem The systems communicate through the second slice network. The method according to claim 22, wherein the first slice network includes a first slice subnetwork and a second slice subnetwork, and the first slice subnetwork is used for contactless payment application interaction , the second slice sub-network is used to transmit the payment result information; the second slice network includes a third slice sub-network, a fourth slice sub-network and a fifth slice sub-network, the first slice sub-network The three subnetwork slices are used for contactless payment application interaction, the fourth subnetwork slice is used for transmitting payment information, and the fifth subnetwork slice is used for transmitting the payment result information. A payment terminal, characterized by comprising: a contactless communication module, a contactless module for sensing user equipment, and transmitting payment element information obtained through interaction of contactless payment applications to the The user equipment, and receiving the payment ciphertext transmitted by the user equipment through the contactless module, the payment The payment ciphertext is generated according to the payment element information; the network communication module is used to pass the first cloud subsystem through the first cloud subsystem if the contactless communication module senses the contactless module of the user equipment Sending a contactless payment request command to the second cloud subsystem, and interacting with the contactless payment application through the first cloud subsystem and the second cloud subsystem, the payment terminal and the first cloud subsystem are connected through The first slice network communicates, and the first slice network includes a first slice subnetwork and a second slice subnetwork, and the first slice subnetwork is used for performing the contactless payment application Interaction, the second slice sub-network is used to transmit payment result information; and, transmit the payment ciphertext to the second cloud subsystem through the first cloud subsystem, and receive the second The cloud subsystem transmits the payment result information through the first cloud subsystem. The payment terminal according to claim 24, further comprising: a central processing module for invoking the contactless communication module and the network communication module. The payment terminal according to claim 24, wherein the network communication module communicates with the first cloud subsystem through a first slice network. A cloud subsystem, characterized in that it includes: a network communication module, used to respond to the contactless payment request instruction transmitted by the payment terminal through the first cloud subsystem, through the first cloud subsystem and the payment terminal Perform contactless payment application interaction, and communicate between the payment terminal and the first cloud subsystem through a first slice network, and the first slice network includes a first slice subnetwork and a second slice network Two sliced sub-networks, the first sliced sub-network is used to interact with the contactless payment application, the second sliced sub-network is used to transmit payment result information; and, the payment element information is passed through the The first cloud subsystem transmits to the payment terminal, and receives the payment ciphertext transmitted by the payment terminal through the first cloud subsystem, the payment ciphertext is generated according to the payment element information, and, receiving the payment information obtained by the first cloud subsystem according to the payment ciphertext, sending the payment information to the settlement processing system, and obtaining the payment result information fed back by the settlement processing system, through the second A cloud subsystem transmits at least part of the payment result information to the payment terminal; The processing module is used to obtain payment element information through contactless payment application interaction. The cloud subsystem according to claim 27, wherein the network communication module communicates with the first cloud subsystem through a second slice network. A cloud subsystem, characterized in that it includes: a network communication module, configured to receive a contactless payment request instruction sent by a payment terminal, transmit the contactless payment request instruction to a second cloud subsystem, and perform all The payment terminal interacts with the contactless payment application of the second cloud subsystem, and transmits the payment elements sent by the second cloud subsystem to the payment terminal, and the payment terminal communicates with the payment terminal through the first slice network The first cloud subsystem is connected, and the first slice network includes a first slice subnetwork and a second slice subnetwork, and the first slice subnetwork is used for the contactless payment application interaction , the second slice sub-network is used to transmit payment result information; and, receiving the payment ciphertext sent by the payment terminal, and transmitting the payment ciphertext to the second cloud subsystem, the payment ciphertext Generate and transmit the payment information to the second cloud subsystem according to the payment element information, and receive the payment result information transmitted from the second cloud subsystem, and transmit at least part of the payment result information To the payment terminal; a processing module, configured to acquire the payment information matching the payment ciphertext according to the payment ciphertext. The cloud subsystem according to claim 29, wherein, the network communication module communicates with the payment terminal through the first slice network; the network communication module communicates with the payment terminal through the second slice network The second cloud subsystem communicates. A payment system, characterized in that it includes a payment terminal, a first cloud subsystem and a second cloud subsystem; the payment terminal is used to execute the payment method described in any one of claims 1 to 8; the second The two cloud servers are used to implement the payment method described in any one of claims 9 to 15; the first cloud server is used to implement the payment method described in any one of claims 16 to 23. A payment terminal, characterized in that it includes a processor, a memory, and a computer program stored on the memory and operable on the processor, when the computer program is executed by the processor, the requested item The payment method described in any one of 1 to 8. A cloud server, characterized in that it includes a processor, a memory, and a computer program stored on the memory and operable on the processor, and when the computer program is executed by the processor, the requested The payment method described in any one of Items 9 to 15 and/or the payment method described in any one of Claims 16 to 23. A computer-readable storage medium, characterized in that a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the payment method as described in any one of claims 1 to 8 is implemented, such as The payment method described in any one of claims 9 to 15 or the payment method described in any one of claims 16 to 23.

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