WO2014205849A1 - 非接触支付方法、设备和系统 - Google Patents

非接触支付方法、设备和系统 Download PDF

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Publication number
WO2014205849A1
WO2014205849A1 PCT/CN2013/078516 CN2013078516W WO2014205849A1 WO 2014205849 A1 WO2014205849 A1 WO 2014205849A1 CN 2013078516 W CN2013078516 W CN 2013078516W WO 2014205849 A1 WO2014205849 A1 WO 2014205849A1
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WO
WIPO (PCT)
Prior art keywords
application
payment
application identifier
information
mobile terminal
Prior art date
Application number
PCT/CN2013/078516
Other languages
English (en)
French (fr)
Inventor
王淼
金志皓
常新苗
Original Assignee
华为终端有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 华为终端有限公司 filed Critical 华为终端有限公司
Priority to JP2015524611A priority Critical patent/JP6127318B2/ja
Priority to PCT/CN2013/078516 priority patent/WO2014205849A1/zh
Priority to CN201380001141.9A priority patent/CN104428822B/zh
Priority to EP13887591.9A priority patent/EP2858044A4/en
Priority to US14/586,241 priority patent/US20150112860A1/en
Publication of WO2014205849A1 publication Critical patent/WO2014205849A1/zh

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices

Definitions

  • the embodiments of the present invention relate to the field of communications technologies, and in particular, to a contactless payment method, device, and system. Background technique
  • the contactless payment (also known as mobile payment) service is based on Near Field Communication (NFC), which uses the card simulation mode of the NFC device to simulate the NFC device into a bank card to complete the payment.
  • NFC Near Field Communication
  • the user handles the mobile payment account at the operator, and the bank payment application runs on the user's NFC mobile phone.
  • the user often uses the membership card and the coupon when shopping. Therefore, taking the NFC mobile phone as an example
  • the mobile payment process is specifically as follows: After the user finishes shopping, the user first displays the membership card and the coupon to the cashier, and the cashier swipes the membership card to enter the user's personal account, and the obtained points and the like are recorded on the membership card, and then the cashier verifies the offer.
  • the validity of the coupon, the coupon can be in the form of a text message, a multimedia message, or a picture.
  • the verification method can be the issuer server that accesses the coupon, or the coupon record on the local server.
  • the cashier performs settlement, after deducting the discount of the coupon and the membership card, the user closes the NFC mobile phone to the NFC-enabled reading terminal, and when the reading terminal detects the NFC mobile phone, it interacts with the bank payment application in the NFC mobile phone to complete the payment. .
  • Embodiments of the present invention provide a contactless payment method, device, and system for improving the efficiency of non-contact payment.
  • an embodiment of the present invention provides a contactless payment method, including: Receiving a selection command including a financial file application identifier sent by the reading terminal;
  • the auxiliary payment application If it is determined that the auxiliary payment application needs to be executed, returning to the reading terminal a proximity payment system environment PPSE corresponding to the financial file application identifier, the PPSE comprising: identifying a first application identifier and identifier of the bank payment application a second application identifier of the auxiliary payment application, and the second application identifier has a higher priority than the first application identifier; and the receiving the When the selection command of the application identifier is applied, the auxiliary payment application is invoked to perform contactless communication with the reading terminal;
  • the bank payment application is invoked to perform contactless payment with the reading terminal.
  • the bank payment application is stored on a security unit SE in the mobile terminal, and the auxiliary payment application is stored in a device host DH in the mobile terminal.
  • the bank payment application and the auxiliary payment application are both stored on the DH, or both the bank payment application and the auxiliary payment application are stored on the SE.
  • the priority of the second application identifier and the priority of the first application identifier are used by the bank payment application set up.
  • the invoking the auxiliary payment application to perform contactless communication with the reading terminal includes: invoking the auxiliary payment application to send information of the membership card to the reading terminal, and receiving the point information returned by the reading terminal; Or,
  • the auxiliary payment application is called to transmit the information of the membership card and the information of the coupon to the reading terminal, and receive the credit information returned by the reading terminal and the confirmation information using the coupon.
  • an embodiment of the present invention provides a contactless payment method, including:
  • the PPSE includes: a first application identifier identifying a bank payment application and a second application identifier identifying an auxiliary payment application, and the The second application identifier has a higher priority than the first application identifier;
  • Receiving the mobile terminal completes the contactless payment according to the third information returned by the selection command including the first application identifier.
  • the first information includes: information of the membership card and/or information of the coupon.
  • the second information includes: point information and/or confirmation information.
  • an embodiment of the present invention provides a mobile terminal having an NFC function, including: a first receiving module, configured to receive a selection command that is sent by a reading terminal and includes an application identifier of a financial file;
  • a first processing module configured to: if it is determined that the auxiliary payment application needs to be executed, return a short-range payment system environment PPSE corresponding to the financial file application identifier to the reading terminal, where the PPSE includes: identifying a bank payment application a first application identifier and a second application identifier identifying the secondary payment application, and the second application identifier has a higher priority than the first application identifier;
  • a first calling module configured to invoke the auxiliary payment application to contact the reading terminal when the first receiving module receives the selection command that is sent by the reading terminal and includes the second application identifier Communication
  • a second calling module configured to receive, by the first receiving module, the sending by the reading terminal
  • the bank payment application is invoked to make contactless payment with the reading terminal.
  • the bank payment application is stored on the security unit SE in the mobile terminal, and the auxiliary payment application is stored in the device host DH of the mobile terminal, or
  • the bank payment application and the auxiliary payment application are both stored on the DH, or both the bank payment application and the auxiliary payment application are stored on the SE.
  • the priority of the second application identifier and the priority of the first application identifier are set by the bank payment application.
  • the first calling module is specifically configured to:
  • the auxiliary payment application is called to transmit the information of the membership card and the information of the coupon to the reading terminal, and receive the credit information returned by the reading terminal and the confirmation information using the coupon.
  • the second application identifier is assigned by the bank payment application.
  • an embodiment of the present invention provides a reading terminal, including:
  • a sending module configured to send, by the NFC-enabled mobile terminal, a selection command including a financial file application identifier when determining that a contactless payment is required;
  • a second receiving module configured to receive a PPSE corresponding to the financial file application identifier returned by the mobile terminal, where the PPSE includes: a first application identifier that identifies a bank payment application and a second application that identifies an auxiliary payment application An identifier, and a priority of the second application identifier Higher than the priority of the first application identifier;
  • a second processing module configured to send, according to a priority of the application identifier in the PPSE, a selection command including the second application identifier to the mobile terminal;
  • the second receiving module is further configured to receive first information returned by the mobile terminal according to the selection command that includes the second application identifier;
  • the second processing module is further configured to return to the mobile terminal according to the first information to the first one? From .
  • the second processing module is further configured to: when determining that the payment is not completed according to the first information, send a selection command including the first application identifier to the mobile terminal, and receive the mobile terminal according to the The third information returned by the selection command of the application identifier completes the contactless payment.
  • the first information includes: information of the membership card and/or information of the coupon.
  • the second information includes: point information and/or confirmation information.
  • an embodiment of the present invention provides a contactless payment system, including: the foregoing NFC-enabled mobile terminal, and the above-mentioned reading terminal.
  • an embodiment of the present invention provides a mobile terminal having an NFC function, including: a processor, an NFC chip, and a memory, where the memory is a SIM card or an SD card;
  • the memory is used to store a bank payment application and/or an auxiliary payment application
  • the NFC chip is configured to receive, by the read terminal, a selection processor including a financial file application identifier, if it is determined that the auxiliary payment application needs to be executed, returning, by the NFC chip, to the reading terminal, corresponding to the financial file application identifier a close-range payment system environment PPSE, the PPSE comprising: a first application identifier identifying a bank payment application and a second application identifier identifying the auxiliary payment application, and the second application identifier has a higher priority a priority of the first application identifier;
  • the processor is further configured to: when the NFC chip receives the selection command that is sent by the reading terminal and includes the second application identifier, invoke the auxiliary payment application to perform non-contact communication with the reading terminal;
  • the processor is further configured to receive, by the NFC chip, the first terminal that is sent by the reading terminal When the selected command of the identifier is applied, the bank payment application is invoked to make a contactless payment with the reading terminal.
  • the process of the processor calling the auxiliary payment application to perform contactless communication with the reading terminal includes:
  • the auxiliary payment application is called to transmit the information of the membership card and the information of the coupon to the reading terminal, and receive the credit information returned by the reading terminal and the confirmation information using the coupon.
  • an embodiment of the present invention provides a reading terminal, including: a processor, a memory, a communication interface, and a bus, wherein the processor, the memory, and the communication interface are connected by a bus, and the memory is used for storing Program code, the processor executing the program code, for:
  • the PPSE includes: a first application identifier identifying a bank payment application and a second application identifier identifying an auxiliary payment application, and the The second application identifier has a higher priority than the first application identifier;
  • Receiving the mobile terminal completes the contactless payment according to the third information returned by the selection command including the first application identifier.
  • the non-contact payment method, device and system provided by the embodiments of the present invention implement the compatibility processing of the bank payment information and the auxiliary payment information by the NFC-enabled mobile terminal, so that the user can pass
  • the NFC-enabled mobile terminal can automatically complete payment with the reading terminal, improving the efficiency of contactless payment.
  • FIG. 1 is a flowchart of a contactless payment method according to an embodiment of the present invention
  • FIG. 2 is a flowchart of another non-contact payment method according to an embodiment of the present invention
  • FIG. 3 is a schematic structural diagram of a mobile terminal with an NFC function according to an embodiment of the present invention
  • FIG. 4 is a schematic structural diagram of a reading terminal according to an embodiment of the present invention.
  • FIG. 5 is a schematic structural diagram of a contactless payment system according to an embodiment of the present invention
  • FIG. 6 is a schematic diagram of a hardware structure of a mobile terminal having an NFC function according to an embodiment of the present invention
  • FIG. 7 is a schematic structural diagram of hardware of a reading terminal according to an embodiment of the present invention.
  • the technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention.
  • the embodiments are a part of the embodiments of the invention, and not all of the embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments of the present invention without creative efforts are within the scope of the present invention.
  • FIG. 1 is a flowchart of a contactless payment method according to an embodiment of the present invention. As shown in FIG. 1, the method includes:
  • Step 100 Receive a selection command including a financial file application identifier sent by the reading terminal.
  • the user After the cashier settles the user shopping, the user first starts a bank payment application on the NFC-enabled mobile terminal, and the mobile terminal NFCC is configured in card emulation mode, then The mobile terminal is paid near the NFC-enabled read terminal, and after the read terminal detects the nearby mobile terminal, sends a selection command including the financial file application identifier to the mobile terminal, and the mobile terminal receives the selection command through the NFCC. And sent to the local bank payment application, so that the bank payment application receives the selection command sent by the reading terminal containing the financial file application identifier.
  • the financial file application identifier is specified by the "China Financial Integrated Circuit (IC) Card Specification", and the financial file application identifier is specifically: "2PAY. SYS. DDF01".
  • the NFC-enabled mobile terminal involved in the embodiments of the present invention includes: a smart phone, an electronic wallet, etc., and those skilled in the art can understand that NFC devices having physical functions of DH, NFCC, and SE are all known.
  • the non-contact payment method according to the embodiment may be implemented.
  • the DH corresponds to a processor of the mobile phone, for example, a baseband processor
  • the NFCC corresponds to the NFC chip
  • the SE corresponds to a SIM card or an SD card (Secure Digital) Card).
  • Step 101 If it is determined that the auxiliary payment application needs to be executed, return a short-range payment system environment PPSE corresponding to the financial file application identifier to the reading terminal, where the PPSE includes: identifying a first application of the bank payment application And an identifier identifying the second application identifier of the secondary payment application, and the second application identifier has a higher priority than the first application identifier;
  • the DH parses the received selection command to obtain the financial file application identifier. If it is determined that the auxiliary payment application needs to be performed, the PPSE corresponding to the financial file application identifier is locally obtained, and the PPSE includes: identifying the first application of the bank payment application. The identifier and the second application identifier of the secondary payment application are identified, and the second application identifier has a higher priority than the first application identifier, and then the PPSE is sent to the NFCC, and the NFCC sends the PPSE to the read The terminal, whereby the reading terminal acquires the PPSE corresponding to the financial file application identifier.
  • the reading terminal parses the received PPSE to obtain a first application identifier identifying the bank payment application and a second application identifier identifying the supplementary payment application, and knows that the second application identifier has a higher priority than the first application identifier.
  • the priority is then selected according to the priority of the application identifier in order of highest to lowest, and the payment information corresponding to the payment application is obtained from the mobile terminal according to the application identifier to complete the payment.
  • Step 102 When receiving the selection command that is sent by the reading terminal and including the second application identifier, invoke the auxiliary payment application to perform contactless communication with the reading terminal.
  • the reading terminal sends the inclusion to the mobile terminal according to the priority of the application identifier in the PPSE
  • the mobile terminal invokes the first information corresponding to the auxiliary payment application to perform non-contact communication with the reading terminal, and receives the return from the reading terminal.
  • the second information where the first information includes: information of the membership card and/or information of the coupon.
  • the second information includes: point information and/or confirmation information.
  • the calling the auxiliary payment application to perform the contactless communication with the reading terminal specifically includes: calling the auxiliary payment application to send the information of the member card to the reading terminal, and receiving the point information returned by the reading terminal; or, calling the auxiliary payment application to Reading information of the coupon sent by the terminal, receiving the confirmation information of the coupon used by the reading terminal; or calling the auxiliary payment application to send the information of the membership card and the coupon information to the reading terminal, and receiving the point information returned by the reading terminal and Use the confirmation of the coupon.
  • Step 103 When receiving the selection command that is sent by the reading terminal and includes the first application identifier, invoke the bank payment application to perform contactless payment with the reading terminal.
  • the reading terminal determines that the payment is not completed according to the first information returned by the mobile terminal, sending a selection command including the first application identifier to the mobile terminal, and the mobile terminal parses the received selection command to obtain the first application.
  • the identifier the calling bank payment application returns a third information to the reading terminal, so that the reading terminal receives the third information returned by the mobile terminal according to the selection command including the first application identifier, and completes the contactless payment.
  • the mobile terminal having the NFC function after receiving the selection command including the financial file application identifier sent by the reading terminal, the mobile terminal having the NFC function returns the financial file to the reading terminal if it is determined that the auxiliary payment application needs to be performed.
  • a PPSE corresponding to the application identifier where the PPSE includes: a first application identifier identifying the bank payment application and a second application identifier identifying the secondary payment application, and the second application identifier has a higher priority than the first application identifier
  • the priority is such that the reading terminal sequentially obtains the payment information corresponding to the payment application from the mobile terminal according to the priority of the payment application in the PPSE in order of highest to lowest, and according to the application identifier of the payment application.
  • the NFC-enabled mobile terminal is compatible with the bank information and the auxiliary information, so that the user can automatically complete the payment with the reading terminal through the NFC-enabled mobile terminal, thereby improving the efficiency of the contactless payment.
  • the storage location of the bank payment application and the auxiliary payment application can be adjusted as needed, for example, the bank payment application is stored on the security unit SE in the mobile terminal, and the auxiliary payment application is stored on the device host DH in the mobile terminal. , or, bank payment application And the auxiliary payment application is stored on the DH, or both the bank payment application and the auxiliary payment application are stored on the SE.
  • the bank payment application and the auxiliary payment application are different applications, wherein the bank payment application is an application for managing a bank card account for payment; the auxiliary payment application is for managing a membership card and/or Coupon app.
  • the priority of the second application identifier and the priority of the first application identifier are set by the bank payment application.
  • the NFCC in the mobile terminal receives a selection command including the financial file application identifier sent by the reading terminal, and sends the selection command to the bank payment application having the PPSE.
  • the method includes:
  • the NFCC receives the selection command including the financial file application identifier sent by the reading terminal and parses the obtained financial file application identifier, and then checks the local pre-configured routing table, if the financial file application identifier is obtained according to the routing table. If the corresponding destination is SE, it is determined that the bank payment application is stored on the SE, so that the selection command is sent to the bank payment application on the SE, and if the destination corresponding to the financial file application identifier is not known according to the routing table, It is judged that the bank payment application is stored on the DH, thereby transmitting the selection command to the bank payment application on the DH.
  • the routing table on the NFCC can be configured through SE or DH.
  • the NFCC receives the selection command sent by the reading terminal and includes the financial file application identifier, and broadcasts the selection command to the DH and the SE. After the DH and the SE receive the selection command of the NFCC broadcast, parse and obtain the financial file application. The identifier, and whether or not it stores a bank payment application including a PPSE corresponding to the financial file application identifier, and if so, sends an acknowledgment response to the NFCC, and if not, does not respond.
  • the auxiliary payment application in the embodiments of the present invention is that the mobile terminal is set at the time of leaving the factory, or the mobile terminal downloads from the related server, and the auxiliary payment application manages and maintains the auxiliary payment information.
  • the auxiliary payment information specifically includes information such as a membership card and a coupon.
  • the second application identifier of the auxiliary payment application may be pre-set by the system or may be temporarily allocated.
  • the specific allocation process is as follows: the auxiliary payment application sends an application identifier assignment request message to the bank payment application, and the bank payment application returns an application identifier assignment request message sent by the auxiliary payment application, and returns the auxiliary payment application to the auxiliary payment application.
  • the assignment response message of the second application identifier. 2 is a flowchart of another contactless payment method according to an embodiment of the present invention. As shown in FIG. 2, the method includes:
  • Step 200 Send a selection command including a financial file application identifier to an NFC-enabled mobile terminal when determining that a contactless payment is required;
  • the user After the cashier settles the user's purchase, the user first activates the bank payment application on the NFC-enabled mobile terminal, and configures the NFCC on the mobile terminal to the card emulation mode, and then approaches the mobile terminal to the NFC-enabled reading terminal. Performing payment, after the reading terminal detects the approaching mobile terminal, transmitting a selection command including the financial file application identifier to the mobile terminal, where the financial file application identifier is specified by the China Financial Integrated Circuit (IC) Card Specification
  • the specified financial file application identifier is: "2PAY. SYS. DDF01".
  • Step 201 Receive a PPSE corresponding to the financial file application identifier returned by the mobile terminal, where the PPSE includes: a first application identifier that identifies a bank payment application, and a second application identifier that identifies an auxiliary payment application, And the second application identifier has a higher priority than the first application identifier;
  • the NFCC in the mobile terminal receives the selection command and sends it to the local bank payment application, so that the bank payment application receives the selection command including the financial file application identifier sent by the reading terminal, and the bank payment application parses the received selection command.
  • Obtaining a financial file application identifier locally obtaining a PPSE corresponding to the financial file application identifier, the PPSE comprising: a first application identifier identifying the bank payment application and a second application identifier identifying the auxiliary payment application, and the second application
  • the priority of the identifier is higher than the priority of the first application identifier, and then the bank payment application sends the PPSE to the NFCC, and the NFCC sends the PPSE to the reading terminal, so that the reading terminal acquires the PPSE corresponding to the financial file application identifier.
  • the reading terminal parses the received PPSE to obtain the first application identifier and the second application identifier, and learns that the second application identifier has a higher priority
  • Step 202 Send, according to a priority of an application identifier in the PPSE, a selection command that includes the second application identifier to the mobile terminal.
  • the reading terminal selects an application identifier of the payment application according to the priority of the payment application in descending order, and acquires payment information corresponding to the payment application from the mobile terminal according to the application identifier, and first performs payment to the mobile terminal.
  • a selection command including the second application identifier is sent.
  • the first information corresponding to the auxiliary payment application is invoked to perform non-contact communication with the reading terminal, and the second information returned by the reading terminal is received, where the first information includes: Information and/or coupon information.
  • the second information includes: point information and/or confirmation information. From the above: calling the auxiliary payment application to perform contactless communication with the reading terminal specifically includes:
  • auxiliary payment application Calling the auxiliary payment application to send the information of the loyalty card to the reading terminal, and receiving the credit information returned by the reading terminal; or calling the auxiliary payment application to send the information of the coupon to the reading terminal, and receiving the confirmation information of the reading coupon used by the reading terminal;
  • the auxiliary payment application is called to transmit the information of the membership card and the information of the coupon to the reading terminal, and receive the credit information returned by the reading terminal and the confirmation information using the coupon.
  • Step 204 Send, according to the first information, that a payment is not completed, send a selection command including the first application identifier to the mobile terminal, and receive, by the mobile terminal, a selection according to the first application identifier
  • the third information returned by the command completes the contactless payment.
  • the reading terminal determines that the payment is not completed according to the first information returned by the mobile terminal, sending a selection command including the first application identifier to the mobile terminal, and the mobile terminal parses the received selection command to obtain the first application.
  • the identifier the calling bank payment application returns a third information to the reading terminal, so that the reading terminal receives the third information returned by the mobile terminal according to the selection command including the first application identifier, and completes the contactless payment.
  • the reading terminal sends a selection command including the financial file application identifier to the NFC-enabled mobile terminal, and receives the returned PPSE corresponding to the financial file application identifier, where the PPSE includes: The first application identifier of the bank payment application and the second application identifier of the auxiliary payment application, and the priority of the auxiliary payment application is higher than the priority of the bank payment application, so that the priority of the payment application in the PPSE is from the highest to the highest The order is low, and the payment information corresponding to the payment application is sequentially acquired from the mobile terminal according to the application identifier of the payment application to complete the payment.
  • the NFC-enabled mobile terminal is compatible with the bank information and the auxiliary information, so that the user can automatically complete the payment with the reading terminal through the NFC-enabled mobile terminal, thereby improving the efficiency of the contactless payment.
  • the bank payment application and the auxiliary payment application are stored in the mobile terminal.
  • the storage location is different, including: the bank payment application is stored on the SE, and the auxiliary payment application is stored on the DH, or the bank payment application and the auxiliary payment application are stored on the DH, or the bank payment application and the auxiliary payment application are both Stored on the SE.
  • Application scenario 1 A bank payment application is stored on the SE, and the auxiliary payment application is stored on the DH.
  • the specific mobile payment process is as follows:
  • Step 1 DH initializes NFCC, configures the routing table of NFCC, and sets the financial file application identifier "2PAY. SYS. DDF01" to the destination point of SE, indicating that the NFCC receives the data carrying the application identifier and routes it to the SE. And DH adds the first application identifier of the bank payment application to the routing table of the NFCC, and sets the destination point of the route to SE, indicating that the NFCC receives the data carrying the first application identifier and routes it to the SE;
  • Step 2 The user starts an auxiliary payment application on the DH, and imports auxiliary payment information such as a membership card and/or a coupon into the auxiliary payment application, wherein the auxiliary payment information may be downloaded from a third party server, Can be information stored locally;
  • Step 3 The auxiliary payment application running on the DH sends an application identifier allocation request message to the bank payment application on the SE, and receives an allocation response message including a second application identifier of the auxiliary payment application returned by the bank payment application;
  • Step 4 The bank payment application sets a PPSE, where the PPSE includes: a first application identifier identifying the bank payment application and a second application identifier identifying the supplementary payment application, and the priority of the auxiliary payment application is higher than Describe the priority of the bank payment application;
  • Step 5 The user activates the bank payment application on the mobile terminal, and the activation command is sent by the DH to the SE, and the SE activates the corresponding bank payment application. And notify the DH that the activation is successful, and send a configuration command to the NFCC through the SE to configure the NFCC as a card emulation mode;
  • Step 6 The user closes the NFC-enabled mobile terminal to the NFC-enabled reading terminal. After the reading terminal detects the nearby mobile terminal, the mobile terminal sends the financial file application identifier to the mobile terminal as "2PAY. SYS. DDF01". Select command
  • Step 7 After receiving the selection command, the NFCC routes the command to the bank payment application on the SE according to the route;
  • Step 8 The bank payment application returns the financial file application identifier to the reading terminal through the NFCC Corresponding PPSE;
  • Step 9 The reading terminal receives the PPSE for parsing, selects the second application identifier of the highest priority identifier auxiliary payment application, and sends a selection instruction including the second application identifier identifying the auxiliary payment application to the NFCC;
  • Step 10 After receiving the selection instruction, the NFCC parses and obtains the second application identifier, and determines that the second application identifier is not in the routing table, and sends the selection instruction to the DH;
  • Step 1 1 The auxiliary payment application running on the DH determines that the second application identifier matches its own application identifier, and returns auxiliary payment information such as a membership card and/or a coupon to the reading terminal via the NFCC;
  • Step 12 The reading terminal and the third-party server or the local server verify the auxiliary payment information such as the membership card and/or the coupon. If the verification is successful, the reading terminal performs the settlement balance, and determines whether the payment needs to be continued, if , then execute that step 13, otherwise it ends;
  • Step 13 The reading terminal selects the bank payment application of the second priority from the PPSE to perform the next transaction, that is, sends a selection instruction including the first application identifier of the bank payment application to the NFCC;
  • Step 14 After receiving the selection instruction, the NFCC parses and obtains the first application identifier, and determines that the first application identifier is routed to the SE, that is, the selection instruction is sent to the SE;
  • Step 15 The bank payment application running on the SE determines that the first application identifier matches its own application identifier, returns the bank payment information to the reading terminal via the NFCC, and the reading terminal sends the bank payment information to the corresponding terminal.
  • the bank backend server makes the payment.
  • the information interaction between the SE and the DH can be directly interacted, or can be forwarded through the NFCC, and selected according to a specific application protocol.
  • Application scenario 2 The bank payment application and the auxiliary payment application are both stored on the DH, and the specific mobile payment process is as follows:
  • Step 1 The user activates the bank payment application, and the bank payment application running on the DH reads the corresponding bank card account number and personal key information from the SE. It should be noted that the bank card account number and the personal key information may also be In the bank payment application stored on the DH, if the latter, the step can be omitted;
  • Step 2 The user starts an auxiliary payment application on the DH, and imports auxiliary payment information such as a membership card and/or a coupon into the auxiliary payment application, wherein the auxiliary payment information may be from the first
  • auxiliary payment information such as a membership card and/or a coupon
  • the information downloaded on the three-party server can also be stored locally.
  • Step 3 The auxiliary payment application running on the DH sends an application identifier allocation request message to the bank payment application on the DH, and receives an allocation response message including a second application identifier of the auxiliary payment application returned by the bank payment application;
  • Step 4 The bank payment application sets a PPSE, where the PPSE includes: a first application identifier identifying the bank payment application and a second application identifier identifying the supplementary payment application, and the priority of the auxiliary payment application is higher than Describe the priority of the bank payment application;
  • Step 5 The user sends a configuration command to the NFCC through the DH on the mobile terminal to configure the NFCC into the card emulation mode;
  • Step 6 The user closes the NFC-enabled mobile terminal to the NFC-enabled reading terminal. After the reading terminal detects the nearby mobile terminal, the mobile terminal sends the financial file application identifier to the mobile terminal as "2PAY. SYS. DDF01". Select command
  • Step 7 After receiving the selection command, the NFCC routes the selection command to the bank payment application on the DH according to the routing table;
  • Step 8 The bank payment application on the DH returns a PPSE corresponding to the financial file application identifier to the reading terminal through the NFCC;
  • Step 9 The reading terminal receives the PPSE for parsing, selects the second application identifier of the highest priority identifier auxiliary payment application, and sends a selection instruction including the second application identifier to the NFCC;
  • Step 10 The NFCC receives the selection After the instruction, parsing and obtaining the second application identifier, determining that the second application identifier is not in the routing table, and sending the selection instruction to the DH;
  • Step 1 1 The auxiliary payment application running on the DH determines that the second application identifier matches its own application identifier, and returns auxiliary payment information such as a membership card and/or a coupon to the reading terminal via the NFCC;
  • Step 12 The reading terminal and the third-party server or the local server verify the auxiliary payment information such as the membership card and/or the coupon. If the verification is successful, the reading terminal performs the settlement balance, and determines whether the payment needs to be continued, if , then execute that step 13, otherwise it ends;
  • Step 13 The reading terminal selects a bank payment application with the second highest priority from the PPSE to perform the next transaction, that is, sends a selection instruction including the first application identifier identifying the bank payment application to the NFCC;
  • Step 14 After receiving the selection instruction, the NFCC parses and obtains the first application identifier, and sends the selection instruction to the DH according to the routing table;
  • Step 15 The bank payment application running on the DH determines that the first application identifier matches its own application identifier, returns the bank payment information to the reading terminal via the NFCC, and the reading terminal sends the bank payment information to the corresponding terminal.
  • the bank backend server makes the payment.
  • FIG. 3 is a schematic structural diagram of a mobile terminal with an NFC function according to an embodiment of the present invention.
  • the mobile terminal includes: a first receiving module 1 1 , a first processing module 12 , a first calling module 13 , and a second calling module 14, wherein the receiving module 11 is configured to receive a selection command that is sent by the reading terminal and includes a financial file application identifier; and the first processing module 12 is configured to: if it is determined that the auxiliary payment application needs to be executed, The reading terminal returns a short-range payment system environment PPSE corresponding to the financial file application identifier, where the PPSE includes: a first application identifier identifying the bank payment application and a second application identifier identifying the auxiliary payment application, And the priority of the second application identifier is higher than the priority of the first application identifier; the first calling module 13 is configured to receive, by the first receiving module 11 When the second application identifies a selection command, the auxiliary payment application is invoked to perform contactless communication
  • the storage location of the bank payment application and the auxiliary payment application may be selected according to requirements, including:
  • the bank payment application is stored on the security unit SE in the mobile terminal, and the auxiliary payment application is stored in the device host DH of the mobile terminal, or
  • the bank payment application and the auxiliary payment application are both stored on the DH, or The bank payment application and the auxiliary payment application are both stored on the SE.
  • the priority of the second application identifier and the priority of the first application identifier are set by the bank payment application.
  • first calling module 13 is specifically configured to:
  • the auxiliary payment application is called to transmit the information of the membership card and the information of the coupon to the reading terminal, and receive the credit information returned by the reading terminal and the confirmation information using the coupon.
  • the second application identifier is assigned by the bank payment application.
  • the reading terminal includes: a sending module 21, a second receiving module 22, and a second processing module 23, where
  • the sending module 21 is configured to send a selection command including a financial file application identifier to the NFC-enabled mobile terminal when determining that a contactless payment is required;
  • the second receiving module 22 is configured to receive a PPSE corresponding to the financial file application identifier returned by the mobile terminal, where the PPSE includes: a first application identifier that identifies a bank payment application and a second application that identifies an auxiliary payment application. An identifier, and the second application identifier has a higher priority than the first application identifier;
  • the second processing module 23 is configured to send, according to the priority of the application identifier in the PPSE, a selection command including the second application identifier to the mobile terminal;
  • the second receiving module 21 is further configured to receive first information returned by the mobile terminal according to the selection command that includes the second application identifier;
  • the second processing module 23 is further configured to return, to the mobile terminal, second information according to the first information.
  • the second processing module 23 is further configured to: when determining that the payment is not completed according to the first information, send a selection command including the first application identifier to the mobile terminal, and receive the mobile The terminal completes the contactless payment according to the third information returned by the selection command including the first application identifier.
  • the first information includes: information of the membership card and/or information of the coupon.
  • the second information includes: point information and/or confirmation information.
  • FIG. 5 is a schematic structural diagram of a contactless payment system according to an embodiment of the present invention.
  • the system includes: a mobile terminal 1 having an NFC function and a reading terminal 2, wherein the mobile terminal 1 having an NFC function
  • the NFC function of the mobile terminal 1 in the NFC function is used for the information exchange between the NFC function and the NFC function.
  • the mobile terminal 1 having the NFC function mentioned above may adopt the NFC-enabled mobile terminal mentioned in the present invention.
  • the reading terminal mentioned in the above invention is employed.
  • FIG. 6 is a schematic diagram of a hardware structure of a mobile terminal with an NFC function according to an embodiment of the present invention.
  • the mobile terminal 100 includes: a processor 101, an NFC chip 102, and a memory 103, where the memory 103 is a SIM card or an SD card;
  • the memory 103 is configured to store a bank payment application and/or an auxiliary payment application
  • the NFC chip 102 is configured to receive a selection command that is sent by the reading terminal and includes a financial file application identifier
  • the processor 101 is configured to: if it is determined that the auxiliary payment application needs to be executed, return, to the reading terminal, the short-range payment system environment PPSE corresponding to the financial file application identifier by using the NFC chip 102, where the PPSE includes: identifying the bank payment a first application identifier of the application and a second application identifier identifying the secondary payment application, and the second application identifier has a higher priority than the first application identifier;
  • the processor 101 is further configured to: when the NFC chip 102 receives the selection command that is sent by the reading terminal and includes the second application identifier, invoke the auxiliary payment application to perform contactless communication with the reading terminal;
  • the processor 101 is further configured to: when the NFC chip 102 receives the selection command that is sent by the reading terminal and includes the first application identifier, invoke the bank payment application and the reading terminal. Make contactless payments.
  • the process of the processor 101 invoking the auxiliary payment application to perform contactless communication with the reading terminal specifically includes:
  • the auxiliary payment application is called to transmit the information of the membership card and the information of the coupon to the reading terminal, and receive the credit information returned by the reading terminal and the confirmation information using the coupon.
  • FIG. 7 is a schematic structural diagram of a hardware of a reading terminal according to an embodiment of the present invention.
  • the reading terminal 200 includes: a processor 201, a memory 202, a communication interface 203, and a bus 204.
  • the processor 201, the memory 202, and the communication interface 203 are connected by a bus 204.
  • the bus 204 can be an ISA bus, a PCI bus, or an EISA bus.
  • the bus can be divided into an address bus, a data bus, a control bus, and the like. For ease of representation, only one thick line is shown in Figure 7, but it does not mean that there is only one bus or one type of bus.
  • the memory 202 is configured to store program code, and the program code includes computer operation instructions.
  • the memory 202 may be a high speed random access memory or a non-volatile memory such as at least one disk storage.
  • the processor 201 executes the program code for:
  • the PPSE includes: a first application identifier identifying a bank payment application and a second application identifier identifying an auxiliary payment application, and the The second application identifier has a higher priority than the first application identifier;
  • Receiving the mobile terminal completes the contactless payment according to the third information returned by the selection command including the first application identifier.

Abstract

本发明提供一种非接触支付方法、设备和系统，具有NFC功能的移动终端中接收读取终端发送的包含金融文件应用标识符的选择命令后，若确定需要进行辅助支付应用，则向读取终端返回与金融文件应用标识符对应的PPSE，其中，PPSE包括：银行支付应用的第一应用标识符和辅助支付应用的第二应用标识符，且第二应用标识符的优先级高于第一应用标识符的优先级，从而读取终端根据PPSE中支付应用的优先级从移动终端中依次获取与支付应用对应的支付信息完成支付；从而提高了非接触支付的效率和用户体验。

Description

非接触支付方法、 设备和系统
技术领域
本发明实施例涉及通信技术领域， 尤其涉及一种非接触支付方法、 设 备和系统。 背景技术
非接触式支付（又称为移动支付）业务是以近距离无线通讯技术（Near Fi eld Communicat ion , NFC )为基础， 利用 NFC设备的卡模拟模式， 将 NFC 设备模拟成一张银行卡来完成支付， 这种支付方式已经成为了目前移动支 付的主流技术。
用户在运营商办理移动支付的账户， 银行支付应用运行在用户 NFC手 机中， 但是， 随着电子商务的发展， 用户在购物时经常会用到会员卡及优 惠券， 因此， 以 NFC手机为例移动支付过程具体为： 用户在购物结束后， 首先向收银员展示会员卡及优惠券， 收银员刷会员卡进入用户个人账户 下，获取的积分等信息记录在会员卡上，然后收银员验证优惠券的有效性， 优惠券可以是纸质的， 也可以是采用短信、 彩信或图片的形式， 验证的方 式可以是接入优惠券的发行方服务器， 也可以是查询本地服务器上的优惠 券记录等方式。 收银员进行结算， 扣除优惠券、 会员卡的折扣之后， 用户 将 NFC手机贴近支持 NFC功能的读取终端， 当读取终端检测到 NFC手机便 与 NFC手机中的银行支付应用进行交互以完成支付。
由此可见， 通过现有的技术进行支付， 用户不得不向收银员分别展示 会员卡、 优惠券等支付的辅助信息， 然后最后使用 NFC手机进行支付， 从 而导致现有的非接触支付方式效率较低。 发明内容
本发明实施例提供一种非接触支付方法、 设备和系统， 用于提高非接 触支付的效率。
第一方面， 本发明实施例提供一种非接触支付方法， 包括： 接收读取终端发送的包含金融文件应用标识符的选择命令；
若确定需要执行辅助支付应用， 则向所述读取终端返回与所述金融文 件应用标识符对应的近距离支付系统环境 PPSE , 所述 PPSE包括： 标识银 行支付应用的第一应用标识符和标识所述辅助支付应用的第二应用标识 符， 且所述第二应用标识符的优先级高于所述第一应用标识符的优先级； 在接收到所述读取终端发送的包含所述第二应用标识的选择命令时， 调用所述辅助支付应用与所述读取终端进行非接触通信；
在接收到所述读取终端发送的包含所述第一应用标识的选择命令时， 调用所述银行支付应用与所述读取终端进行非接触支付。
结合第一方面， 在第一种可能的实现方式中， 所述银行支付应用存储 在所述移动终端中的安全单元 SE上， 且所述辅助支付应用存储在所述移 动终端中设备主机 DH上， 或者，
所述银行支付应用和所述辅助支付应用均存储在所述 DH上， 或者， 所述银行支付应用和所述辅助支付应用均存储在所述 SE上。
结合第一方面或第一种可能的实现方式， 在第二种可能的实现方式 中， 所述第二应用标识符的优先级和所述第一应用标识符的优先级由所述 银行支付应用设定。
结合第一方面上述任一可能的实现方式， 在第三种可能的实现方式 中，
所述调用所述辅助支付应用与所述读取终端进行非接触通信， 包括： 调用所述辅助支付应用向所述读取终端发送会员卡的信息， 接收所述 读取终端返回的积分信息； 或者，
调用所述辅助支付应用向所述读取终端发送优惠券的信息， 接收所述 读取终端使用所述优惠券的确认信息； 或者，
调用所述辅助支付应用向所述读取终端发送会员卡的信息和优惠券 的信息， 接收所述读取终端返回的积分信息和使用所述优惠券的确认信 息。
结合第一方面上述任一种可能的实现方式， 在第四种可能的实现方式 中，
所述第二应用标识符是由所述银行支付应用分配的。 第二方面， 本发明实施例提供一种非接触支付方法， 包括：
在确定需要进行非接触支付时向具有 NFC功能的移动终端发送包含金 融文件应用标识符的选择命令；
接收所述移动终端返回的与所述金融文件应用标识符对应的 PPSE ,所 述 PPSE包括： 标识银行支付应用的第一应用标识符和标识辅助支付应用 的第二应用标识符， 且所述第二应用标识符的优先级高于所述第一应用标 识符的优先级；
根据所述 PPSE 中应用标识符的优先级， 向所述移动终端发送包含所 述第二应用标识符的选择命令；
接收所述移动终端根据所述包含第二应用标识符的选择命令返回的 第一信息； 根据所述第一信息向所述移动终端返回第二信息；
根据所述第一信息确定支付未完成时， 向所述移动终端发送包含所述 第一应用标识符的选择命令；
接收所述移动终端根据包含所述第一应用标识符的选择命令返回的 第三信息， 完成非接触支付。
结合第二方面， 在第一种可能的实现方式中，
所述第一信息包括： 会员卡的信息和 /或优惠券的信息。
所述第二信息包括： 积分信息和 /或确认信息。
第三方面， 本发明实施例提供一种具有 NFC功能的移动终端， 包括： 第一接收模块， 用于接收读取终端发送的包含金融文件应用标识符的 选择命令；
第一处理模块， 用于若确定需要执行辅助支付应用， 则向所述读取终 端返回与所述金融文件应用标识符对应的近距离支付系统环境 PPSE ,所述 PPSE包括：标识银行支付应用的第一应用标识符和标识所述辅助支付应用 的第二应用标识符， 且所述第二应用标识符的优先级高于所述第一应用标 识符的优先级；
第一调用模块， 用于在所述第一接收模块接收到所述读取终端发送的 包含所述第二应用标识的选择命令时， 调用所述辅助支付应用与所述读取 终端进行非接触通信；
第二调用模块， 用于在所述第一接收模块接收到所述读取终端发送的 包含所述第一应用标识的选择命令时， 调用所述银行支付应用与所述读取 终端进行非接触支付。
结合第三方面， 在第一种可能的实现方式中，
所述银行支付应用存储在所述移动终端中的安全单元 SE上， 且所述 辅助支付应用存储在所述移动终端中设备主机 DH上， 或者，
所述银行支付应用和所述辅助支付应用均存储在所述 DH上， 或者， 所述银行支付应用和所述辅助支付应用均存储在所述 SE上。
结合第三方面或第一种可能的实现方式， 在第二种可能的实现方式 中，
所述第二应用标识符的优先级和所述第一应用标识符的优先级由所 述银行支付应用设定。
结合第三方面上述任一可能的实现方式， 在第三种可能的实现方式 中，
所述第一调用模块， 具体用于：
调用所述辅助支付应用向所述读取终端发送会员卡的信息， 接收所述 读取终端返回的积分信息； 或者，
调用所述辅助支付应用向所述读取终端发送优惠券的信息， 接收所述 读取终端使用所述优惠券的确认信息； 或者，
调用所述辅助支付应用向所述读取终端发送会员卡的信息和优惠券 的信息， 接收所述读取终端返回的积分信息和使用所述优惠券的确认信 息。
结合第三方面上述任一可能的实现方式， 在第四种可能的实现方式 中，
所述第二应用标识符是由所述银行支付应用分配的。
第四方面， 本发明实施例提供一种读取终端， 包括：
发送模块， 用于在确定需要进行非接触支付时向具有 NFC功能的移动 终端发送包含金融文件应用标识符的选择命令；
第二接收模块， 用于接收所述移动终端返回的与所述金融文件应用标 识符对应的 PPSE , 所述 PPSE包括： 标识银行支付应用的第一应用标识符 和标识辅助支付应用的第二应用标识符， 且所述第二应用标识符的优先级 高于所述第一应用标识符的优先级；
第二处理模块， 用于根据所述 PPSE 中应用标识符的优先级， 向所述 移动终端发送包含所述第二应用标识符的选择命令；
所述第二接收模块， 还用于接收所述移动终端根据所述包含第二应用 标识符的选择命令返回的第一信息；
所述第二处理模块， 还用于根据所述第一信息向所述移动终端返回第 一 ？ 自 .
所述第二处理模块， 还用于根据所述第一信息确定支付未完成时， 向 所述移动终端发送包含所述第一应用标识符的选择命令， 接收所述移动终 端根据包含所述第一应用标识符的选择命令返回的第三信息， 完成非接触 支付。
结合第四方面， 在第一种可能的实现方式中，
所述第一信息包括： 会员卡的信息和 /或优惠券的信息。
所述第二信息包括： 积分信息和 /或确认信息。
第五方面， 本发明实施例提供一种非接触支付系统， 包括： 上述的具 有 NFC功能的移动终端， 以及上述的读取终端。
第六方面， 本发明实施例提供一种具有 NFC功能的移动终端， 包括： 处理器、 NFC芯片和存储器， 其中， 所述存储器为 SIM卡或 SD卡；
其中， 存储器用于存储银行支付应用和 /或辅助支付应用；
NFC 芯片用于接收读取终端发送的包含金融文件应用标识符的选择命 处理器用于若确定需要执行辅助支付应用， 则通过 NFC芯片向所述读 取终端返回与所述金融文件应用标识符对应的近距离支付系统环境 PPSE , 所述 PPSE包括： 标识银行支付应用的第一应用标识符和标识所述辅助支 付应用的第二应用标识符， 且所述第二应用标识符的优先级高于所述第一 应用标识符的优先级；
处理器还用于通过 NFC芯片接收到所述读取终端发送的包含所述第二 应用标识的选择命令时， 调用所述辅助支付应用与所述读取终端进行非接 触通信；
处理器还用于通过 NFC芯片接收到所述读取终端发送的包含所述第一 应用标识的选择命令时， 调用所述银行支付应用与所述读取终端进行非接 触支付。
结合第六方面， 在第一种可能的实现方式中， 所述处理器调用所述辅 助支付应用与所述读取终端进行非接触通信的过程具体包括：
调用所述辅助支付应用向所述读取终端发送会员卡的信息， 接收所述 读取终端返回的积分信息； 或者，
调用所述辅助支付应用向所述读取终端发送优惠券的信息， 接收所述 读取终端使用所述优惠券的确认信息； 或者，
调用所述辅助支付应用向所述读取终端发送会员卡的信息和优惠券 的信息， 接收所述读取终端返回的积分信息和使用所述优惠券的确认信 息。
第七方面， 本发明实施例提供一种读取终端， 包括： 处理器、 存储器、 通信接口和总线， 其中， 所述处理器、 存储器和通信接口之间通过总线连接， 所述存储器用于存放程序代码， 所述处理器执行所述程序代码， 用于：
在确定需要进行非接触支付时向具有 NFC功能的移动终端发送包含金 融文件应用标识符的选择命令；
接收所述移动终端返回的与所述金融文件应用标识符对应的 PPSE ,所 述 PPSE包括： 标识银行支付应用的第一应用标识符和标识辅助支付应用 的第二应用标识符， 且所述第二应用标识符的优先级高于所述第一应用标 识符的优先级；
根据所述 PPSE 中应用标识符的优先级， 向所述移动终端发送包含所 述第二应用标识符的选择命令；
接收所述移动终端根据所述包含第二应用标识符的选择命令返回的 第一信息； 根据所述第一信息向所述移动终端返回第二信息；
根据所述第一信息确定支付未完成时， 向所述移动终端发送包含所述 第一应用标识符的选择命令；
接收所述移动终端根据包含所述第一应用标识符的选择命令返回的 第三信息， 完成非接触支付。
本发明实施例提供的非接触支付方法、 设备和系统， 实现了具有 NFC 功能的移动终端对银行支付信息和辅助支付信息的兼容处理， 使用户通过 具有 NFC功能的移动终端可以与读取终端自动完成支付， 提高了非接触支 付的效率。 附图说明
为了更清楚地说明本发明实施例或现有技术中的技术方案， 下面将对 实施例或现有技术描述中所需要使用的附图作一简单地介绍， 显而易见 地， 下面描述中的附图是本发明的一些实施例， 对于本领域普通技术人员 来讲， 在不付出创造性劳动性的前提下， 还可以根据这些附图获得其他的 附图。 图 1为本发明实施例提供的一个非接触支付方法的流程图；
图 2为本发明实施例提供的另一个非接触支付方法的流程图； 图 3为本发明实施例提供的一个具有 NFC功能的移动终端的结构示意 图；
图 4为本发明实施例提供的一个读取终端的结构示意图；
图 5为本发明实施例提供的一个非接触支付系统的结构示意图； 图 6为本发明实施例提供的一个具有 NFC功能的移动终端的硬件结构 示意图；
图 7为本发明实施例提供的一个读取终端的硬件结构示意图。 具体实施方式 为使本发明实施例的目的、 技术方案和优点更加清楚， 下面将结合本发 明实施例中的附图， 对本发明实施例中的技术方案进行清楚、 完整地描述， 显然， 所描述的实施例是本发明一部分实施例， 而不是全部的实施例。 基于 本发明中的实施例， 本领域普通技术人员在没有做出创造性劳动前提下所获 得的所有其他实施例， 都属于本发明保护的范围。
图 1为本发明实施例提供的一个非接触支付方法的流程图， 如图 1所 示， 该方法包括：
歩骤 100， 接收读取终端发送的包含金融文件应用标识符的选择命令； 收银员对用户购物进行结算后， 用户首先启动具有 NFC功能的移动终 端上的银行支付应用， 并将移动终端上的 NFCC配置为卡模拟模式， 然后 将该移动终端靠近具有 NFC功能的读取终端进行支付， 当读取终端检测到 靠近的移动终端后， 向该移动终端发送包含金融文件应用标识符的选择命 令， 移动终端通过 NFCC接收该选择命令并发送给本地的银行支付应用， 从而银行支付应用接收到读取终端发送的包含金融文件应用标识符的选 择命令。 其中， 金融文件应用标识符由《中国金融集成电路（IC )卡规范》 所规定的， 金融文件应用标识符具体为： " 2PAY. SYS. DDF01 " 。
需要说明的是， 本发明各实施例中涉及的具有 NFC功能的移动终端包 括：智能手机、电子钱包等，本领域技术人员可以理解的是，具备 DH、 NFCC 和 SE的实体功能的 NFC设备均可执行本实施例涉及的非接触支付方法， 以智能手机为例， DH对应着手机的处理器， 例如， 基带处理器； NFCC对 应着 NFC芯片； SE对应着 SIM卡或 SD卡 （Secure Digi tal Card) 。
歩骤 101， 若确定需要执行辅助支付应用， 则向所述读取终端返回与 所述金融文件应用标识符对应的近距离支付系统环境 PPSE , 所述 PPSE包 括： 标识银行支付应用的第一应用标识符和标识所述辅助支付应用的第二 应用标识符， 且所述第二应用标识符的优先级高于所述第一应用标识符的 优先级；
DH对接收到的选择命令进行解析获取金融文件应用标识符，若确定需 要进行辅助支付应用， 则在本地获取与金融文件应用标识符对应的 PPSE , 该 PPSE包括： 标识银行支付应用的第一应用标识符和标识辅助支付应用 的第二应用标识符， 且第二应用标识符的优先级高于第一应用标识符的优 先级， 然后将该 PPSE发送给 NFCC, NFCC将该 PPSE发送给读取终端， 从 而读取终端获取与金融文件应用标识符对应的 PPSE。读取终端对接收到的 PPSE 进行解析获取标识银行支付应用的第一应用标识符和标识辅助支付 应用的第二应用标识符， 并获知第二应用标识符的优先级高于第一应用 标识符的优先级， 然后根据应用标识符的优先级按照从高到低的顺序选择 应用标识符、 并根据应用标识符从移动终端中获取与支付应用对应的支付 信息完成支付。
歩骤 102， 在接收到所述读取终端发送的包含所述第二应用标识的选 择命令时， 调用所述辅助支付应用与所述读取终端进行非接触通信；
读取终端根据 PPSE 中应用标识符的优先级， 向移动终端发送包含第 二应用标识符的选择命令， 移动终端对接收到选择命令进行解析获取第二 应用标识时， 调用与辅助支付应用对应的第一信息与读取终端进行非接触 通信， 并接收读取终端返回的第二信息， 其中， 所述第一信息包括： 会员 卡的信息和 /或优惠券的信息。 所述第二信息包括： 积分信息和 /或确认信 息。 由上所述： 调用辅助支付应用与读取终端进行非接触通信具体包括： 调用辅助支付应用向读取终端发送会员卡的信息， 接收读取终端返回 的积分信息； 或者， 调用辅助支付应用向读取终端发送优惠券的信息， 接 收读取终端使用优惠券的确认信息； 或者， 调用辅助支付应用向读取终端 发送会员卡的信息和优惠券的信息， 接收读取终端返回的积分信息和使用 优惠券的确认信息。
歩骤 103， 在接收到所述读取终端发送的包含所述第一应用标识的选 择命令时， 调用所述银行支付应用与所述读取终端进行非接触支付。
当读取终端根据移动终端返回的与第一信息确定支付未完成时， 向移 动终端发送包含所述第一应用标识符的选择命令， 移动终端对接收到的选 择命令进行解析， 获取第一应用标识符， 调用银行支付应用向读取终端返 回第三信息， 从而读取终端接收移动终端根据包含所述第一应用标识符的 选择命令返回的第三信息， 完成非接触支付。
本实施例提供的非接触支付方法， 具有 NFC功能的移动终端接收读取 终端发送的包含金融文件应用标识符的选择命令后， 若确定需要进行辅助 支付应用， 则向读取终端返回与金融文件应用标识符对应的 PPSE , 其中， PPSE包括：标识银行支付应用的第一应用标识符和标识辅助支付应用的第 二应用标识符， 且第二应用标识符的优先级高于第一应用标识符的优先 级， 从而读取终端根据 PPSE 中支付应用的优先级按照从高到低的顺序、 且根据支付应用的应用标识符从移动终端中依次获取与支付应用对应的 支付信息完成支付。 从而实现了具有 NFC功能的移动终端对银行信息和辅 助信息的兼容处理， 使用户通过具有 NFC功能的移动终端可以与读取终端 自动完成支付， 提高了非接触支付的效率。
基于上述实施例， 银行支付应用和辅助支付应用的存储位置可以根据 需要进行调整， 比如： 银行支付应用存储在移动终端中的安全单元 SE上， 且辅助支付应用存储在移动终端中设备主机 DH上， 或者， 银行支付应用 和辅助支付应用均存储在所述 DH上， 或者， 银行支付应用和辅助支付应 用均存储在所述 SE上。
需要说明的是： 银行支付应用和辅助支付应用是不同的应用程序， 其 中， 银行支付应用是用于管理用于支付的银行卡帐号的应用程序； 辅助支 付应用是用于管理会员卡和 /或优惠券的应用程序。
基于上述实施例， 所述第二应用标识符的优先级和所述第一应用标识 符的优先级由所述银行支付应用设定。
基于上述实施例， 具体地， 移动终端中的 NFCC接收读取终端发送的 包含金融文件应用标识符的选择命令后，并将该选择命令发送给具有 PPSE 的银行支付应用的方式很多， 包括：
方式一： NFCC接收读取终端发送的包含金融文件应用标识符的选择命 令并进行解析获取金融文件应用标识符， 然后查看本地预先配置的路由 表， 若根据该路由表获知与金融文件应用标识符对应的目的地为 SE , 则判 断获知银行支付应用存储在 SE上， 从而将该选择命令发送给 SE上的银行 支付应用， 若根据路由表没有获知与金融文件应用标识符对应的目的地， 则判断获知银行支付应用存储在 DH上， 从而将该选择命令发送给 DH上的 银行支付应用。 其中， NFCC上的路由表可以通过 SE或者 DH进行配置。
方式二： NFCC接收读取终端发送的包含金融文件应用标识符的选择命 令并将该选择命令向 DH和 SE进行广播， 当 DH和 SE接收到 NFCC广播的 该选择命令后进行解析获取金融文件应用标识符， 并判断自身是否存储有 包含与金融文件应用标识符对应的 PPSE的银行支付应用，若有，则向 NFCC 发送确认响应， 若没有， 则不进行响应。
需要说明的是， 本发明各实施例中的辅助支付应用是移动终端在出厂 时就设置好的， 或者是移动终端从相关的服务器上下载的， 辅助支付应用 对辅助支付信息进行管理和维护， 辅助支付信息具体包括会员卡、 优惠券 等信息。 辅助支付应用的第二应用标识符可以是系统预先设置好的、 也可 以是临时分配的。 具体的分配过程说明如下： 辅助支付应用向银行支付应 用发送应用标识符分配请求消息， 银行支付应用接收到辅助支付应用发送 的应用标识符分配请求消息后， 向辅助支付应用返回包括辅助支付应用的 第二应用标识符的分配响应消息。 图 2为本发明实施例提供的另一个非接触支付方法的流程图， 如图 2 所示， 该方法包括：
歩骤 200， 在确定需要进行非接触支付时向具有 NFC功能的移动终端 发送包含金融文件应用标识符的选择命令；
收银员对用户购物进行结算后， 用户首先启动具有 NFC功能的移动终 端上的银行支付应用， 并将移动终端上的 NFCC配置为卡模拟模式， 然后 将该移动终端靠近具有 NFC功能的读取终端进行支付， 当读取终端检测到 靠近的移动终端后， 向该移动终端发送包含金融文件应用标识符的选择命 令， 其中， 金融文件应用标识符由 《中国金融集成电路 （IC ) 卡规范》 所 规定的， 金融文件应用标识符具体为： " 2PAY. SYS. DDF01 " 。
歩骤 201， 接收所述移动终端返回的与所述金融文件应用标识符对应 的 PPSE , 所述 PPSE包括： 标识银行支付应用的第一应用标识符和标识辅 助支付应用的第二应用标识符， 且所述第二应用标识符的优先级高于所述 第一应用标识符的优先级；
移动终端中的 NFCC接收该选择命令并发送给本地的银行支付应用， 从而银行支付应用接收到读取终端发送的包含金融文件应用标识符的选 择命令， 银行支付应用对接收到的选择命令进行解析获取金融文件应用标 识符， 在本地获取与金融文件应用标识符对应的 PPSE , 该 PPSE包括： 标 识银行支付应用的第一应用标识符和标识辅助支付应用的第二应用标识 符， 且第二应用标识的优先级高于第一应用标识的优先级， 然后银行支付 应用将该 PPSE发送给 NFCC , NFCC将该 PPSE发送给读取终端， 从而读取 终端获取与金融文件应用标识符对应的 PPSE。 读取终端对接收到的 PPSE 进行解析获取第一应用标识符和第二应用标识符， 并获知第二应用标识符 的优先级高于第一应用标识符的优先级。
歩骤 202， 根据所述 PPSE中应用标识符的优先级， 向所述移动终端发 送包含所述第二应用标识符的选择命令；
读取终端根据支付应用的优先级按照从高到低的顺序选择支付应用 的应用标识符、 并根据应用标识符从移动终端中获取与支付应用对应的支 付信息完成支付， 首先向所述移动终端发送包含所述第二应用标识符的选 择命令。 歩骤 203， 接收所述移动终端根据所述包含第二应用标识符的选择命 令返回的第一信息； 根据所述第一信息向所述移动终端返回第二信息； 移动终端对接收到选择命令进行解析获取第二应用标识时， 调用与辅 助支付应用对应的第一信息与读取终端进行非接触通信， 并接收读取终端 返回的第二信息， 其中， 所述第一信息包括： 会员卡的信息和 /或优惠券 的信息。 所述第二信息包括： 积分信息和 /或确认信息。 由上所述： 调用 辅助支付应用与读取终端进行非接触通信具体包括：
调用辅助支付应用向读取终端发送会员卡的信息， 接收读取终端返回 的积分信息； 或者， 调用辅助支付应用向读取终端发送优惠券的信息， 接 收读取终端使用优惠券的确认信息； 或者， 调用辅助支付应用向读取终端 发送会员卡的信息和优惠券的信息， 接收读取终端返回的积分信息和使用 优惠券的确认信息。
歩骤 204， 根据所述第一信息确定支付未完成时， 向所述移动终端发 送包含所述第一应用标识符的选择命令； 接收所述移动终端根据包含所述 第一应用标识符的选择命令返回的第三信息， 完成非接触支付。
当读取终端根据移动终端返回的与第一信息确定支付未完成时， 向移 动终端发送包含所述第一应用标识符的选择命令， 移动终端对接收到的选 择命令进行解析， 获取第一应用标识符， 调用银行支付应用向读取终端返 回第三信息， 从而读取终端接收移动终端根据包含所述第一应用标识符的 选择命令返回的第三信息， 完成非接触支付。
本实施例提供的非接触支付方法， 读取终端向具有 NFC功能的移动终 端发送包含金融文件应用标识符的选择命令， 并接收返回的与金融文件应 用标识符对应的 PPSE , 其中， PPSE包括： 银行支付应用的第一应用标识 符和辅助支付应用的第二应用标识符， 且标识辅助支付应用的优先级高于 银行支付应用的优先级， 从而根据 PPSE 中支付应用的优先级按照从高到 低的顺序、 且根据支付应用的应用标识符从移动终端中依次获取与支付应 用对应的支付信息完成支付。 实现了具有 NFC功能的移动终端对银行信息 和辅助信息的兼容处理， 使用户通过具有 NFC功能的移动终端可以与读取 终端自动完成支付， 提高了非接触支付的效率。
针对上述实施例中银行支付应用和辅助支付应用在移动终端中的存 储位置不同， 包括： 银行支付应用存储在 SE上， 且辅助支付应用存储在 DH上， 或者， 银行支付应用和辅助支付应用均存储在所述 DH上， 或者， 银行支付应用和辅助支付应用均存储在 SE上。 为了更清楚的描述移动支 付的流程， 通过两个实施例对上述应用场景的具体实施流程举例说明： 应用场景一： 银行支付应用存储在所述 SE上， 且辅助支付应用存储 在所述 DH上， 具体的移动支付流程如下：
歩骤 1 : DH初始化 NFCC , 配置 NFCC的路由表， 设置金融文件应用标 识符 " 2PAY. SYS. DDF01 " 的目的点为 SE , 表示 NFCC收到携带该应用标识 符的数据后将其路由至 SE， 并且 DH将银行支付应用的第一应用标识符加 入到 NFCC的路由表中， 并设置路由的目的点为 SE , 表示 NFCC 收到携带 第一应用标识符的数据后将其路由至 SE;
歩骤 2 : 用户在 DH上启动辅助支付应用， 并将会员卡和 /或优惠券等 辅助支付信息导入进该辅助支付应用序， 其中， 辅助支付信息可以是从第 三方服务器上下载的， 也可以是存放在本地的信息；
歩骤 3 : 运行在 DH上的辅助支付应用向 SE上的银行支付应用发送应 用标识符分配请求消息， 并接收银行支付应用返回的包括辅助支付应用的 第二应用标识符的分配响应消息；
歩骤 4: 银行支付应用设置 PPSE , 所述 PPSE包括： 标识银行支付应 用的第一应用标识符和标识辅助支付应用的第二应用标识符， 且标识所述 辅助支付应用的优先级高于所述银行支付应用的优先级；
(上述歩骤 1-4属于具有 NFC功能的移动终端中的预处理过程） 歩骤 5 : 用户在移动终端上激活银行支付应用， 由 DH向 SE发送激活 命令， SE 激活对应的银行支付应用， 并向 DH通告激活成功， 并通过 SE 向 NFCC发送配置命令将 NFCC配置为卡模拟模式；
歩骤 6 : 用户将具有 NFC功能的移动终端贴近具有 NFC功能的读取终 端， 读取终端检测到靠近的移动终端后， 向移动终端发送金融文件应用标 识符为 " 2PAY. SYS. DDF01 " 的选择命令；
歩骤 7 : NFCC收到该选择命令后， 对照路由， 将该命令路由至 SE上 的银行支付应用；
歩骤 8 :银行支付应用通过 NFCC向读取终端返回与金融文件应用标识 符对应的 PPSE;
歩骤 9 : 读取终端收到 PPSE进行解析， 选择优先级最高的标识辅助支 付应用的第二应用标识符， 向 NFCC发送包含标识辅助支付应用的第二应 用标识符的选择指令；
歩骤 10 : NFCC收到选择指令后， 解析获取第二应用标识符， 判断获 知该第二应用标识符不在路由表中， 将该选择指令发送给 DH;
歩骤 1 1 : 运行在 DH上的辅助支付应用判断该第二应用标识符与自己 的应用标识符匹配， 将会员卡和 /或优惠券等辅助支付信息经由 NFCC返回 给读取终端；
歩骤 12 : 读取终端与第三方服务器或在本地服务器对会员卡和 /或优 惠券等辅助支付信息进行验证， 如果验证成功， 读取终端进行结算余额， 并判断是否需要继续支付， 如果是， 则执行那个歩骤 13， 否则结束；
歩骤 13 : 读取终端从 PPSE中选择优先级第二的银行支付应用进行下 一歩的交易， 即向 NFCC发送包含银行支付应用的第一应用标识符的选择 指令；
歩骤 14 : NFCC收到选择指令后解析获取第一应用标识符， 判断获知 该第一应用标识符路由到 SE， 即将该选择指令发送给 SE ;
歩骤 15 : 运行在 SE上的银行支付应用判断该第一应用标识符与自己 的应用标识符匹配， 将银行支付信息经由 NFCC返回给读取终端， 读取终 端将银行支付信息发送给对应的银行后台服务器进行支付。
需要说明的是， SE与 DH之间的信息交互可以直接交互， 也可以通过 NFCC进行转发， 根据具体的应用协议进行选择。
应用场景二：所述银行支付应用和所述辅助支付应用均存储在所述 DH 上， 具体的移动支付流程如下：
歩骤 1 : 用户启动银行支付应用， 运行在 DH上的银行支付应用从 SE 中读取相应的银行卡账号及个人密钥信息， 需要说明的是， 该银行卡账号 及个人密钥信息也可以保存在 DH上的银行支付应用中， 若是后者， 可以 省略该歩骤；
歩骤 2 : 用户在 DH上启动辅助支付应用， 并将会员卡和 /或优惠券等 辅助支付信息导入进该辅助支付应用序， 其中， 辅助支付信息可以是从第 三方服务器上下载的， 也可以是存放在本地的信息；
歩骤 3 : 运行在 DH上的辅助支付应用向 DH上的银行支付应用发送应 用标识符分配请求消息， 并接收银行支付应用返回的包括辅助支付应用的 第二应用标识符的分配响应消息；
歩骤 4: 银行支付应用设置 PPSE , 所述 PPSE包括： 标识银行支付应 用的第一应用标识符和标识辅助支付应用的第二应用标识符， 且标识所述 辅助支付应用的优先级高于所述银行支付应用的优先级；
(上述歩骤 1-4属于具有 NFC功能的移动终端中的预处理过程） 歩骤 5 :用户在移动终端上通过 DH向 NFCC发送配置命令将 NFCC配置 为卡模拟模式；
歩骤 6 : 用户将具有 NFC功能的移动终端贴近具有 NFC功能的读取终 端， 读取终端检测到靠近的移动终端后， 向移动终端发送金融文件应用标 识符为 " 2PAY. SYS. DDF01 " 的选择命令；
歩骤 7 : NFCC收到该选择命令后， 对照路由表， 将该选择命令路由至 DH上的银行支付应用；
歩骤 8 : DH上的银行支付应用通过 NFCC向读取终端返回与金融文件 应用标识符对应的 PPSE;
歩骤 9 : 读取终端收到 PPSE进行解析， 选择优先级最高的标识辅助支 付应用的第二应用标识符， 向 NFCC发送包含第二应用标识符的选择指令; 歩骤 10 : NFCC收到选择指令后， 解析获取第二应用标识符， 判断获 知该第二应用标识符不在路由表中， 将该选择指令发送给 DH;
歩骤 1 1 : 运行在 DH上的辅助支付应用判断该第二应用标识符与自己 的应用标识符匹配， 将会员卡和 /或优惠券等辅助支付信息经由 NFCC返回 给读取终端；
歩骤 12 : 读取终端与第三方服务器或在本地服务器对会员卡和 /或优 惠券等辅助支付信息进行验证， 如果验证成功， 读取终端进行结算余额， 并判断是否需要继续支付， 如果是， 则执行那个歩骤 13， 否则结束；
歩骤 13 : 读取终端从 PPSE中选择优先级次高的银行支付应用进行下 一歩的交易， 即向 NFCC发送包含标识银行支付应用的第一应用标识符的 选择指令； 歩骤 14 : NFCC收到选择指令后解析获取第一应用标识符， 根据路由 表将该选择指令发送给 DH;
歩骤 15 : 运行在 DH上的银行支付应用判断该第一应用标识符与自己 的应用标识符匹配， 将银行支付信息经由 NFCC返回给读取终端， 读取终 端将银行支付信息发送给对应的银行后台服务器进行支付。
本领域普通技术人员可以理解： 实现上述方法实施例的全部或部分歩骤 可以通过程序指令相关的硬件来完成， 前述的程序可以存储于一计算机可读 取存储介质中， 该程序在执行时， 执行包括上述方法实施例的歩骤； 而前述 的存储介质包括： R0M、 RAM, 磁碟或者光盘等各种可以存储程序代码的介质。
图 3为本发明实施例提供的一个具有 NFC功能的移动终端的结构示意 图， 如图 3所示， 该移动终端包括： 第一接收模块 1 1、 第一处理模块 12、 第一调用模块 13和第二调用模块 14， 其中， 接收模块 1 1用于接收读取终 端发送的包含金融文件应用标识符的选择命令； ； 第一处理模块 12用于 若确定需要执行辅助支付应用， 则向所述读取终端返回与所述金融文件应 用标识符对应的近距离支付系统环境 PPSE , 所述 PPSE包括： 标识银行支 付应用的第一应用标识符和标识所述辅助支付应用的第二应用标识符， 且 所述第二应用标识符的优先级高于所述第一应用标识符的优先级； 第一调 用模块 13用于在所述第一接收模块 1 1接收到所述读取终端发送的包含所 述第二应用标识的选择命令时， 调用所述辅助支付应用与所述读取终端进 行非接触通信； 第二调用模块 14用于在所述第一接收模块 1 1接收到所述 读取终端发送的包含所述第一应用标识的选择命令时， 调用所述银行支付 应用与所述读取终端进行非接触支付。
本实施例提供的具有 NFC功能的移动终端中各模块的功能和处理流程， 可以参见上述图 1所示的方法实施例， 其实现原理和技术效果类似， 此处不 再赘述。
具体地， 银行支付应用和辅助支付应用的存储位置可以根据需要进行 选择， 具体包括：
所述银行支付应用存储在所述移动终端中的安全单元 SE上， 且所述 辅助支付应用存储在所述移动终端中设备主机 DH上， 或者，
所述银行支付应用和所述辅助支付应用均存储在所述 DH上， 或者， 所述银行支付应用和所述辅助支付应用均存储在所述 SE上。
基于上述实施例， 所述第二应用标识符的优先级和所述第一应用标识 符的优先级由所述银行支付应用设定。
进一歩地， 所述第一调用模块 13具体用于：
调用所述辅助支付应用向所述读取终端发送会员卡的信息， 接收所述 读取终端返回的积分信息； 或者，
调用所述辅助支付应用向所述读取终端发送优惠券的信息， 接收所述 读取终端使用所述优惠券的确认信息； 或者，
调用所述辅助支付应用向所述读取终端发送会员卡的信息和优惠券 的信息， 接收所述读取终端返回的积分信息和使用所述优惠券的确认信 息。
基于上述实施例， 所述第二应用标识符是由所述银行支付应用分配 的。
图 4为本发明实施例提供的一个读取终端的结构示意图，如图 4所示， 该读取终端包括： 发送模块 21、 第二接收模块 22和第二处理模块 23， 其 中，
发送模块 21用于在确定需要进行非接触支付时向具有 NFC功能的移 动终端发送包含金融文件应用标识符的选择命令；
第二接收模块 22用于接收所述移动终端返回的与所述金融文件应用 标识符对应的 PPSE , 所述 PPSE包括： 标识银行支付应用的第一应用标识 符和标识辅助支付应用的第二应用标识符， 且所述第二应用标识符的优先 级高于所述第一应用标识符的优先级；
第二处理模块 23用于根据所述 PPSE中应用标识符的优先级， 向所述 移动终端发送包含所述第二应用标识符的选择命令；
所述第二接收模块 21 还用于接收所述移动终端根据所述包含第二应 用标识符的选择命令返回的第一信息；
所述第二处理模块 23还用于根据所述第一信息向所述移动终端返回 第二信息；
所述第二处理模块 23还用于根据所述第一信息确定支付未完成时， 向所述移动终端发送包含所述第一应用标识符的选择命令， 接收所述移动 终端根据包含所述第一应用标识符的选择命令返回的第三信息， 完成非接 触支付。
其中， 所述第一信息包括： 会员卡的信息和 /或优惠券的信息。 所述 第二信息包括： 积分信息和 /或确认信息。
本实施例提供的读取终端中各模块的功能和处理流程， 可以参见上述图
2所示的方法实施例， 其实现原理和技术效果类似， 此处不再赘述。
图 5为本发明实施例提供的一个非接触支付系统的结构示意图， 如图 5所示， 该系统包括： 具有 NFC功能的移动终端 1和读取终端 2， 其中， 具有 NFC功能的移动终端 1和读取终端 2之间通过 NFC功能的移动终端 1 中的 NFC控制器进行信息交互， 具有 NFC功能的移动终端 1可以采用上述 本发明提到的具有 NFC功能的移动终端， 读取终端 2可以采用上述本发明 提到的读取终端。
本实施例提供的非接触支付系统中各模块的功能和处理流程， 可以参见 上述所示的方法实施例， 其实现原理和技术效果类似， 此处不再赘述。
图 6为本发明实施例提供的一个具有 NFC功能的移动终端的硬件结构示 意图， 如图 6所示， 所述移动终端 100包括： 处理器 101、 NFC芯片 102和存 储器 103， 其中， 所述存储器 103为 SIM卡或 SD卡；
其中， 存储器 103用于存储银行支付应用和 /或辅助支付应用；
NFC芯片 102用于接收读取终端发送的包含金融文件应用标识符的选 择命令；
处理器 101用于若确定需要执行辅助支付应用， 则通过 NFC芯片 102 向所述读取终端返回与所述金融文件应用标识符对应的近距离支付系统 环境 PPSE , 所述 PPSE包括： 标识银行支付应用的第一应用标识符和标识 所述辅助支付应用的第二应用标识符， 且所述第二应用标识符的优先级高 于所述第一应用标识符的优先级；
处理器 101还用于通过 NFC芯片 102接收到所述读取终端发送的包含 所述第二应用标识的选择命令时， 调用所述辅助支付应用与所述读取终端 进行非接触通信；
处理器 101还用于通过 NFC芯片 102接收到所述读取终端发送的包含 所述第一应用标识的选择命令时， 调用所述银行支付应用与所述读取终端 进行非接触支付。
进一歩地， 所述处理器 101 调用所述辅助支付应用与所述读取终端进 行非接触通信的过程具体包括：
调用所述辅助支付应用向所述读取终端发送会员卡的信息， 接收所述 读取终端返回的积分信息； 或者，
调用所述辅助支付应用向所述读取终端发送优惠券的信息， 接收所述 读取终端使用所述优惠券的确认信息； 或者，
调用所述辅助支付应用向所述读取终端发送会员卡的信息和优惠券 的信息， 接收所述读取终端返回的积分信息和使用所述优惠券的确认信 息。
本实施例提供的具有 NFC 功能的移动终端中处理器执行存储器中的程 序代码的处理流程， 可以参见上述所示的方法实施例， 其实现原理和技术效 果类似， 此处不再赘述。
图 7为本发明实施例提供的一个读取终端的硬件结构示意图， 如图 7所 示， 所述读取终端 200包括： 处理器 201、存储器 202、 通信接口 203和总线 204。 其中， 所述处理器 201、 存储器 202和通信接口 203之间通过总线 204 连接。 总线 204可以是 ISA总线、 PCI总线或 EISA总线等。 所述总线可以分 为地址总线、 数据总线、 控制总线等。 为便于表示， 图 7中仅用一条粗线表 示， 但并不表示仅有一根总线或一种类型的总线。
存储器 202用于存放程序代码， 所述程序代码中包括计算机操作指令。 存储器 202可以是高速随机存储器，也可以是非易失性存储器（non-volatile memory) ， 例如至少一个磁盘存储器。
处理器 201执行所述程序代码， 用于：
在确定需要进行非接触支付时向具有 NFC功能的移动终端发送包含金 融文件应用标识符的选择命令；
接收所述移动终端返回的与所述金融文件应用标识符对应的 PPSE,所 述 PPSE包括： 标识银行支付应用的第一应用标识符和标识辅助支付应用 的第二应用标识符， 且所述第二应用标识符的优先级高于所述第一应用标 识符的优先级；
根据所述 PPSE 中应用标识符的优先级， 向所述移动终端发送包含所 述第二应用标识符的选择命令；
接收所述移动终端根据所述包含第二应用标识符的选择命令返回的 第一信息； 根据所述第一信息向所述移动终端返回第二信息；
根据所述第一信息确定支付未完成时， 向所述移动终端发送包含所述 第一应用标识符的选择命令；
接收所述移动终端根据包含所述第一应用标识符的选择命令返回的 第三信息， 完成非接触支付。
本实施例提供的读取终端中处理器执行存储器中的程序代码的处理流 程， 可以参见上述所示的方法实施例， 其实现原理和技术效果类似， 此处不 再赘述。
最后应说明的是： 以上实施例仅用以说明本发明的技术方案， 而非对 其限制； 尽管参照前述实施例对本发明进行了详细的说明， 本领域的普通 技术人员应当理解： 其依然可以对前述各实施例所记载的技术方案进行修 改， 或者对其中部分技术特征进行等同替换； 而这些修改或者替换， 并不 使相应技术方案的本质脱离本发明各实施例技术方案的精神和范围。

Claims

权 利 要 求 书
1、 一种非接触支付方法， 其特征在于， 包括：
接收读取终端发送的包含金融文件应用标识符的选择命令；
若确定需要执行辅助支付应用， 则向所述读取终端返回与所述金融文 件应用标识符对应的近距离支付系统环境 PPSE , 所述 PPSE包括： 标识银 行支付应用的第一应用标识符和标识所述辅助支付应用的第二应用标识 符， 且所述第二应用标识符的优先级高于所述第一应用标识符的优先级； 在接收到所述读取终端发送的包含所述第二应用标识的选择命令时， 调用所述辅助支付应用与所述读取终端进行非接触通信；
在接收到所述读取终端发送的包含所述第一应用标识的选择命令时， 调用所述银行支付应用与所述读取终端进行非接触支付。
2、 根据权利要求 1所述的非接触支付方法， 其特征在于，
所述银行支付应用存储在移动终端中的安全单元 SE上， 且所述辅助 支付应用存储在所述移动终端中设备主机 DH上， 或者，
所述银行支付应用和所述辅助支付应用均存储在所述 DH上， 或者， 所述银行支付应用和所述辅助支付应用均存储在所述 SE上。
3、 根据权利要求 1或 2所述的非接触支付方法， 其特征在于， 所述第二应用标识符的优先级和所述第一应用标识符的优先级由所 述银行支付应用设定。
4、 根据权利要求 1至 3任一所述的非接触支付方法， 其特征在于， 所述调用所述辅助支付应用与所述读取终端进行非接触通信， 包括：
调用所述辅助支付应用向所述读取终端发送会员卡的信息， 接收所述 读取终端返回的积分信息； 或者，
调用所述辅助支付应用向所述读取终端发送优惠券的信息， 接收所述 读取终端使用所述优惠券的确认信息； 或者，
调用所述辅助支付应用向所述读取终端发送会员卡的信息和优惠券 的信息， 接收所述读取终端返回的积分信息和使用所述优惠券的确认信 息。
5、 根据权利要求 1-4任一所述的非接触支付方法， 其特征在于， 所述第二应用标识符是由所述银行支付应用分配的。
6、 一种非接触支付方法， 其特征在于， 包括：
在确定需要进行非接触支付时向具有 NFC功能的移动终端发送包含金 融文件应用标识符的选择命令；
接收所述移动终端返回的与所述金融文件应用标识符对应的 PPSE ,所 述 PPSE包括： 标识银行支付应用的第一应用标识符和标识辅助支付应用 的第二应用标识符， 且所述第二应用标识符的优先级高于所述第一应用标 识符的优先级；
根据所述 PPSE 中应用标识符的优先级， 向所述移动终端发送包含所 述第二应用标识符的选择命令；
接收所述移动终端根据所述包含第二应用标识符的选择命令返回的 第一信息；
根据所述第一信息向所述移动终端返回第二信息；
根据所述第一信息确定支付未完成时， 向所述移动终端发送包含所述 第一应用标识符的选择命令；
接收所述移动终端根据包含所述第一应用标识符的选择命令返回的 第三信息， 完成非接触支付。
7、 根据权利要求 6所述的非接触支付方法， 其特征在于，
所述第一信息包括： 会员卡的信息和 /或优惠券的信息。
所述第二信息包括： 积分信息和 /或确认信息。
8、 一种具有 NFC功能的移动终端， 其特征在于， 包括：
第一接收模块， 用于接收读取终端发送的包含金融文件应用标识符的 选择命令；
第一处理模块， 用于若确定需要执行辅助支付应用， 则向所述读取终 端返回与所述金融文件应用标识符对应的近距离支付系统环境 PPSE ,所述 PPSE包括：标识银行支付应用的第一应用标识符和标识所述辅助支付应用 的第二应用标识符， 且所述第二应用标识符的优先级高于所述第一应用标 识符的优先级；
第一调用模块， 用于在所述第一接收模块接收到所述读取终端发送的 包含所述第二应用标识的选择命令时， 调用所述辅助支付应用与所述读取 终端进行非接触通信； 第二调用模块， 用于在所述第一接收模块接收到所述读取终端发送的 包含所述第一应用标识的选择命令时， 调用所述银行支付应用与所述读取 终端进行非接触支付。
9、 根据权利要求 8所述的具有 NFC功能的移动终端， 其特征在于， 所述银行支付应用存储在所述移动终端中的安全单元 SE上， 且所述 辅助支付应用存储在所述移动终端中设备主机 DH上， 或者，
所述银行支付应用和所述辅助支付应用均存储在所述 DH上， 或者， 所述银行支付应用和所述辅助支付应用均存储在所述 SE上。
10、 根据权利要求 8或 9所述的具有 NFC功能的移动终端， 其特征在 于，
所述第二应用标识符的优先级和所述第一应用标识符的优先级由所 述银行支付应用设定。
1 1、 根据权利要求 8至 1 1任一所述的具有 NFC功能的移动终端， 其 特征在于， 所述第一调用模块， 具体用于：
调用所述辅助支付应用向所述读取终端发送会员卡的信息， 接收所述 读取终端返回的积分信息； 或者，
调用所述辅助支付应用向所述读取终端发送优惠券的信息， 接收所述 读取终端使用所述优惠券的确认信息； 或者，
调用所述辅助支付应用向所述读取终端发送会员卡的信息和优惠券 的信息， 接收所述读取终端返回的积分信息和使用所述优惠券的确认信 息。
12、 根据权利要求 8至 1 1任一所述的具有 NFC功能的移动终端， 其 特征在于，
所述第二应用标识符是由所述银行支付应用分配的。
13、 一种读取终端， 其特征在于， 包括：
发送模块， 用于在确定需要进行非接触支付时向具有 NFC功能的移动 终端发送包含金融文件应用标识符的选择命令；
第二接收模块， 用于接收所述移动终端返回的与所述金融文件应用标 识符对应的 PPSE , 所述 PPSE包括： 标识银行支付应用的第一应用标识符 和标识辅助支付应用的第二应用标识符， 且所述第二应用标识符的优先级 高于所述第一应用标识符的优先级；
第二处理模块， 用于根据所述 PPSE 中应用标识符的优先级， 向所述 移动终端发送包含所述第二应用标识符的选择命令；
所述第二接收模块， 还用于接收所述移动终端根据所述包含第二应用 标识符的选择命令返回的第一信息；
所述第二处理模块， 还用于根据所述第一信息向所述移动终端返回第 一 ？ 自 .
所述第二处理模块， 还用于根据所述第一信息确定支付未完成时， 向 所述移动终端发送包含所述第一应用标识符的选择命令， 接收所述移动终 端根据包含所述第一应用标识符的选择命令返回的第三信息， 完成非接触 支付。
14、 根据权利要求 13所述的读取终端， 其特征在于，
所述第一信息包括： 会员卡的信息和 /或优惠券的信息。
所述第二信息包括： 积分信息和 /或确认信息。
15、 一种非接触支付系统， 其特征在于， 包括如权利要求 8至 12任 一所述的具有 NFC功能的移动终端， 以及如权利要求 13或 14所述的读取 终端。
PCT/CN2013/078516 2013-06-29 2013-06-29 非接触支付方法、设备和系统 WO2014205849A1 (zh)

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