WO2016023152A1 - 移动支付的方法、装置及近场通信设备 - Google Patents

移动支付的方法、装置及近场通信设备 Download PDF

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Publication number
WO2016023152A1
WO2016023152A1 PCT/CN2014/084091 CN2014084091W WO2016023152A1 WO 2016023152 A1 WO2016023152 A1 WO 2016023152A1 CN 2014084091 W CN2014084091 W CN 2014084091W WO 2016023152 A1 WO2016023152 A1 WO 2016023152A1
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WO
WIPO (PCT)
Prior art keywords
transaction
smart terminal
information
contactless application
nfc
Prior art date
Application number
PCT/CN2014/084091
Other languages
English (en)
French (fr)
Inventor
赵阳
王雅辉
李国庆
Original Assignee
华为技术有限公司
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 华为技术有限公司 filed Critical 华为技术有限公司
Priority to JP2017507723A priority Critical patent/JP2017532631A/ja
Priority to PCT/CN2014/084091 priority patent/WO2016023152A1/zh
Priority to CN201480036326.8A priority patent/CN106170926A/zh
Priority to EP14899610.1A priority patent/EP3163764A4/en
Priority to KR1020177004467A priority patent/KR20170032428A/ko
Publication of WO2016023152A1 publication Critical patent/WO2016023152A1/zh
Priority to US15/429,434 priority patent/US20170154327A1/en

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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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
    • 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]
    • G06Q20/3223—Realising banking transactions through 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]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04B—TRANSMISSION
    • H04B5/00—Near-field transmission systems, e.g. inductive or capacitive transmission systems
    • H04B5/20—Near-field transmission systems, e.g. inductive or capacitive transmission systems characterised by the transmission technique; characterised by the transmission medium
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04B—TRANSMISSION
    • H04B5/00—Near-field transmission systems, e.g. inductive or capacitive transmission systems
    • H04B5/40—Near-field transmission systems, e.g. inductive or capacitive transmission systems characterised by components specially adapted for near-field transmission
    • H04B5/48—Transceivers
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04B—TRANSMISSION
    • H04B5/00—Near-field transmission systems, e.g. inductive or capacitive transmission systems
    • H04B5/70—Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04B—TRANSMISSION
    • H04B5/00—Near-field transmission systems, e.g. inductive or capacitive transmission systems
    • H04B5/70—Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes
    • H04B5/72—Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes for local intradevice communication

Definitions

  • the present invention relates to the field of information technology, and in particular, to a mobile payment method, device and near field communication (English name: Near Field Communication, English abbreviation: NFC) device.
  • NFC Near Field Communication
  • NFC payment is a short-distance wireless connection technology, which uses magnetic field induction to realize communication between electronic devices at close range. Users only need to bring the NFC device close to the card reader to realize mobile payment.
  • a method for realizing mobile payment uses an NFC-enabled mobile phone as an NFC device.
  • the process of mobile payment is specifically as follows: the user receives the transaction command sent by the card reader by bringing the NFC-enabled mobile phone close to the card reader, and then the NFC-enabled mobile phone processes the transaction command and returns to the card reader. The result is processed to enable mobile payment through the NFC device.
  • the invention provides a mobile payment method, device and near field communication device, which can improve the flexibility of mobile payment.
  • the present invention provides a method for mobile payment, including:
  • Near field communication NFC device receives the transaction command sent by the card reader through NFC
  • the NFC device sends the transaction instruction to the smart terminal via Bluetooth
  • the NFC device receives a response message sent by the smart terminal by using the Bluetooth, and the response message is generated by the smart terminal according to the transaction instruction;
  • the NFC device sends the response message to the card reader through the NFC.
  • the transaction instruction carries the identification information of the contactless application and the transaction amount information, where the contactless application is a non-contact corresponding to the card reader Contact application
  • the smart terminal stores identification information of at least one contactless application and account balance information of the at least one contactless application.
  • the response message is generated by the smart terminal according to the transaction instruction, specifically:
  • the smart terminal generates the response message after performing transaction processing according to the account balance information of the contactless application and the transaction amount information of the contactless application carried in the transaction instruction.
  • the response message carries transaction success information or transaction failure information
  • the transaction success information is determined by the smart terminal, and the account balance information of the contactless application is greater than or equal to the transaction amount information of the contactless application;
  • the transaction failure information is generated by the smart terminal determining that the account balance information of the contactless application is smaller than the transaction amount information of the contactless application.
  • the smart terminal includes a security element SE, where the SE stores identifier information of at least one contactless application and account balance information of the at least one contactless application, and the SE is integrated in a SIM card of the customer identification module, a user identification module UIM card, a secure digital card SD, or at least one of the smart terminals;
  • the response message is determined by the smart terminal according to the The transaction instruction is generated, specifically:
  • the smart terminal determines, in the SE, account balance information of the contactless application according to the identification information of the contactless application carried by the transaction instruction;
  • the smart terminal generates the response message after performing transaction processing according to the account balance information of the contactless application and the transaction amount information of the contactless application carried in the transaction instruction.
  • the present invention provides a mobile payment device, including:
  • An NFC receiving unit configured to receive a transaction instruction sent by the card reader through the NFC
  • a Bluetooth sending unit configured to send, by using Bluetooth, the transaction instruction received by the NFC receiving unit to the smart terminal;
  • a Bluetooth receiving unit configured to receive, by using the Bluetooth, a response message sent by the smart terminal, where the response message is generated by the smart terminal according to the transaction instruction sent by the Bluetooth sending unit;
  • an NFC sending unit configured to send, by using the NFC, the response message received by the Bluetooth receiving unit to the card reader.
  • the transaction instruction received by the NFC receiving unit carries the identification information of the contactless application and the transaction amount information, and the contactless application is a contactless application corresponding to the card reader; at least one of the smart terminal stores Identification information of the contactless application and account balance information of the at least one contactless application.
  • the smart terminal determines account balance information of the contactless application according to the identification information of the contactless application carried by the transaction instruction sent by the Bluetooth sending unit;
  • the smart terminal according to the account balance information of the contactless application, and the transaction finger
  • the transaction amount information of the contactless application carried in the order is processed to generate the response message received by the Bluetooth receiving unit.
  • the response message received by the Bluetooth receiving unit carries transaction success information or transaction failure information
  • the transaction success information is determined by the smart terminal, and the account balance information of the contactless application is greater than or equal to the transaction amount information of the contactless application;
  • the transaction failure information is generated by the smart terminal determining that the account balance information of the contactless application is smaller than the transaction amount information of the contactless application.
  • the smart terminal includes a security element SE, where the SE stores identifier information of at least one contactless application and account balance information of the at least one contactless application, and the SE is integrated in the customer identification module SIM card and the user identification module.
  • a UIM card a secure digital card SD, or at least one of the smart terminals;
  • the smart terminal determines the SE corresponding to the non-contact application according to the identification information of the contactless application carried by the transaction instruction sent by the Bluetooth transmitting unit;
  • the smart terminal determines, in the SE, account balance information of the contactless application according to the identification information of the contactless application carried by the transaction instruction;
  • the smart terminal generates the response message received by the Bluetooth receiving unit according to the account balance information of the contactless application and the transaction amount information of the contactless application carried in the transaction instruction.
  • the present invention provides a near field communication NFC device, including:
  • An NFC communication module configured to receive a transaction instruction sent by the card reader through the NFC; a processor, configured to forward, to the Bluetooth communication module, the transaction instruction received by the NFC communication module;
  • the Bluetooth communication module is configured to send, by using the Bluetooth, the transaction instruction received by the NFC communication module to the smart terminal, and receive, by using the Bluetooth, a response message sent by the smart terminal, where the response message is sent by the smart terminal Generated according to the transaction instruction;
  • the processor is further configured to forward the response message received by the Bluetooth communication module to the NFC communication module;
  • the NFC communication module is further configured to send, by using the NFC, the response received by the Bluetooth communication module to the card reader;
  • the transaction instruction received by the NFC communication module carries the identification information of the contactless application and the transaction amount information, and the contactless application is a contactless application corresponding to the card reader; at least one of the smart terminal stores Identification information of the contactless application and account balance information of the at least one contactless application.
  • the smart terminal generates the response message received by the Bluetooth communication module according to the account balance information of the contactless application and the transaction amount information of the contactless application carried in the transaction instruction.
  • the response message received by the Bluetooth communication module carries transaction success information or transaction failure information
  • the transaction success information is determined by the smart terminal, and the account balance information of the contactless application is greater than or equal to the transaction amount information of the contactless application;
  • the transaction failure information is generated by the smart terminal determining that the account balance information of the contactless application is smaller than the transaction amount information of the contactless application.
  • the smart terminal includes a security element SE, where the SE stores identifier information of at least one contactless application and account balance information of the at least one contactless application, and the SE is integrated in the customer identification module SIM card and the user identification module.
  • a UIM card a secure digital card SD, or at least one of the smart terminals;
  • the smart terminal determines the SE corresponding to the non-contact application according to the identification information of the non-contact application carried by the transaction instruction sent by the Bluetooth communication module;
  • the smart terminal determines, in the SE, account balance information of the contactless application according to the identification information of the contactless application carried by the transaction instruction;
  • the smart terminal generates the response message received by the Bluetooth communication module according to the account balance information of the contactless application and the transaction amount information of the contactless application carried in the transaction instruction.
  • the mobile payment method, device and near field communication device provided by the invention firstly receive the transaction instruction sent by the card reader through the NFC, then send the transaction instruction to the intelligent terminal through the Bluetooth, and receive the response message sent by the smart terminal through the Bluetooth.
  • the response message is generated by the intelligent terminal according to the transaction instruction, and finally the response message is sent to the card reader through the NFC.
  • the present invention forwards the transaction command sent by the card reader to the intelligent terminal through the NFC device, and forwards the response message sent by the smart terminal to the card reader, thereby avoiding the user.
  • Mobile payment is directly carried out through a smart terminal with poor flexibility, that is, the user only needs to move the NFC device with better flexibility close to the card reader to realize mobile payment, thereby improving the flexibility of mobile payment and thereby improving the user experience.
  • FIG. 1 is a flowchart of a method for mobile payment according to an embodiment of the present invention
  • FIG. 3 is a schematic structural diagram of hardware of mobile payment according to an embodiment of the present invention.
  • FIG. 4 is a schematic structural diagram of hardware of another mobile payment according to an embodiment of the present invention.
  • FIG. 5 is a schematic structural diagram of an apparatus for mobile payment according to an embodiment of the present invention.
  • FIG. 6 is a schematic structural diagram of an NFC device according to an embodiment of the present invention.
  • the embodiment of the present invention provides a method for mobile payment, which can improve the flexibility of mobile payment. As shown in FIG. 1, the method includes:
  • the NFC device receives the transaction instruction sent by the card reader through the NFC.
  • the transaction instruction is used for transaction processing of the contactless application.
  • the transaction instruction may carry the identification information of the contactless application and the transaction amount information.
  • the transaction instruction may be specifically used for transaction processing such as charge processing, recharge processing, and credit processing for the non-contact application.
  • the transaction instruction may be used to charge the non-contact application.
  • the identification information of the non-contact application carried in the transaction instruction may be the identification information corresponding to the “bus card application”, and the transaction amount information carried in the transaction command.
  • the transaction instruction can be used to recharge the non-contact application.
  • the identification information of the non-contact application carried in the transaction instruction may be a "telephone card application" pair.
  • the identification information of the transaction, the transaction amount information carried in the transaction command may be "recharge 100 yuan"; for example, the transaction instruction may be used to perform integration processing on the non-contact application, and at this time, the identifier of the contactless application carried in the transaction instruction
  • the information may be the identification information corresponding to the "member card application”, and the transaction amount information carried in the transaction command may be "integration 20 points”.
  • the NFC device sends a transaction instruction to the smart terminal through Bluetooth.
  • the transaction command is sent to the smart terminal through the NFC device, so that the smart terminal can perform transaction processing on the transaction instruction.
  • the NFC device receives the response message sent by the smart terminal by using Bluetooth.
  • the response message is generated by the intelligent terminal according to the transaction instruction. Specifically, the smart terminal first determines the account balance information of the contactless application according to the identification information of the contactless application carried by the transaction instruction, and then according to the account balance information of the contactless application, and the transaction amount information of the contactless application carried in the transaction instruction. , Generate a response message after transaction processing.
  • the NFC device sends a response message to the card reader through the NFC.
  • the NFC device first receives the transaction instruction sent by the card reader through the NFC, and then sends the transaction instruction to the smart terminal through the Bluetooth, and receives the response message sent by the smart terminal through the Bluetooth, and the response message is received by the smart terminal.
  • the intelligent terminal generates according to the transaction instruction, and finally sends a response message to the card reader through the NFC.
  • the embodiment of the present invention forwards the transaction command sent by the card reader to the smart terminal through the NFC device, and forwards the response message sent by the smart terminal to the card reader,
  • the user can avoid mobile payment directly through the smart terminal with poor flexibility, that is, the user only needs to bring the flexible NFC device closer to the card reader to realize mobile payment, thereby improving the flexibility of mobile payment, thereby improving the user.
  • the user can avoid mobile payment directly through the smart terminal with poor flexibility, that is, the user only needs to bring the flexible NFC device closer to the card reader to realize mobile payment, thereby improving the flexibility of mobile payment, thereby improving the user.
  • the user can avoid mobile payment directly through the smart terminal with poor flexibility, that is, the user only needs to bring the flexible NFC device closer to the card reader to realize mobile payment, thereby improving the flexibility of mobile payment, thereby improving the user.
  • the user can avoid mobile payment directly through the smart terminal with poor flexibility, that is, the user only needs to bring the flexible NFC device closer to the card reader to realize mobile payment, thereby improving
  • the embodiment of the present invention provides another method for mobile payment. As shown in FIG. 2, the method includes:
  • the NFC device receives the transaction instruction sent by the card reader through the NFC.
  • the transaction instruction carries the identification information of the contactless application and the transaction amount information
  • the contactless application is a contactless application corresponding to the card reader.
  • the smart terminal stores There is at least one contact information of the contactless application and account balance information of at least one contactless application.
  • the transaction instruction may be specifically used for transaction processing such as charge processing, recharge processing, and credit processing for the non-contact application.
  • the transaction instruction may be used to charge the non-contact application.
  • the identification information of the non-contact application carried in the transaction instruction may be a “bus card application”, and the transaction amount information carried in the transaction command may be “deduction”.
  • the transaction instruction can be used to recharge the non-contact application.
  • the identification information of the non-contact application carried in the transaction instruction may be "phone card application", and the transaction amount information carried in the transaction command
  • the transaction instruction can be used to perform integration processing on the non-contact application.
  • the identification information of the non-contact application carried in the transaction instruction may be a "member card application”
  • the transaction command carries The transaction amount information can be "20 points for points”.
  • the NFC technology can be used for communication between the card reader and the NFC device, and the NFC technology is a short-range wireless connection technology evolved from the RFID technology.
  • both the card reader and the NFC device have a non-contact front end (English full name: Contactless Frontend, English abbreviation: CLF) and an NFC antenna.
  • CLF NFC chip, or NFC controller
  • NFC antenna is a near-field coupling antenna for receiving or transmitting signals in NFC technology.
  • the card reader is a device that generates and transmits a transaction instruction.
  • the card reader can be a device for brushing a bus card on a bus.
  • a transaction instruction generated and sent by the card reader is used to charge the "bus card application".
  • the non-contact application may also be a subway card application, a shopping card application, a fitness card application, a meal card application, a loyalty card application, or a recharge card application.
  • the card reader is not limited to the device for brushing the bus card on the above bus
  • the transaction instruction is not limited to the above-mentioned "bus card application” deduction processing
  • any other card reader and NFC can be realized by NFC.
  • the card reader may be a device for performing integration in the store.
  • the transaction command generated and sent by the card reader may be used for “integration”.
  • Card application performs integration processing.
  • the NFC device sends a transaction instruction to the smart terminal via Bluetooth.
  • the transaction command is sent to the smart terminal through the NFC device, so that the smart terminal can perform transaction processing on the transaction instruction.
  • the NFC device receives the response message sent by the smart terminal by using Bluetooth.
  • the response message is generated by the intelligent terminal according to the transaction instruction.
  • the smart terminal stores the identification information of the at least one contactless application and the account balance information of the at least one contactless application. Specifically, the smart terminal first determines the account balance information of the contactless application according to the identification information of the contactless application carried by the transaction instruction, and then according to the account balance information of the contactless application, and the transaction amount information of the contactless application carried in the transaction instruction. , Generate a response message after transaction processing.
  • the identification information of the contactless application carried by the transaction instruction is the identification information corresponding to the “bus card application”, and the smart terminal first determines in the stored identification information of the at least one contactless application and the account balance information of the at least one contactless application.
  • the account balance information of the "Bus Card Application” is "80 yuan”, and then according to the account balance information of the contactless application "80 yuan”, and the transaction amount information of the contactless application carried in the transaction instruction "deduction fee 1 yuan", After the deduction is processed, the account balance information of the "Bus Card Application” is "79 yuan".
  • the identification information of the contactless application carried by the transaction instruction is the identification information corresponding to the “point card application”, and the smart terminal firstly stores the identification information of the at least one contactless application and the account balance information of the at least one contactless application.
  • the account balance information of the "point card application” is determined to be "1000 points”, and then according to the account balance information of the contactless application "1000 points”, and the transaction amount information of the contactless application carried in the transaction instruction "point 20 points", After the integration processing, after the integration processing, the account balance information of the "Point Card Application” is "1020 points".
  • the response message may carry transaction success information or transaction failure information.
  • the transaction success information is determined by the intelligent terminal, and the account balance information of the non-contact application is greater than or equal to the transaction amount information of the non-contact application; the transaction failure information is determined by the smart terminal to determine the account balance information of the contactless application, which is smaller than the non-contact application. Generated after the transaction amount information.
  • the transaction amount information carried in the transaction command is "deduction fee 1 yuan”
  • the smart terminal determines the account balance information of the contactless application, which is greater than or equal to the transaction of the contactless application.
  • the amount information that is, the account balance of the contactless application is sufficient, the smart terminal generates the transaction success information; if the account balance of the contactless application is "0.5 yuan", the smart terminal determines the account balance information of the contactless application, which is smaller than the transaction of the contactless application.
  • the amount information that is, the account balance of the contactless application is insufficient, and the smart terminal generates a transaction failure information.
  • the NFC device sends a response message to the card reader through the NFC.
  • the smart terminal includes a secure element (English full name: Secure Element, English abbreviation: SE), and the SE stores identification information of at least one contactless application and account balance information of at least one contactless application.
  • the SE can be integrated in the customer identification module (English full name: Subscriber Identity Module, English abbreviation: SIM) card, user identification module (English full name: User Identity Module, English abbreviation: UIM) card, secure digital card (English full name: Secure Digital Memory Card, English abbreviation: SD) or at least one of the smart terminals themselves.
  • the smart terminal when the smart terminal includes multiple SEs, the smart terminal first determines the SE corresponding to the non-contact application according to the identification information of the contactless application carried by the transaction instruction, and then in the SE, the non-contact carried according to the transaction instruction.
  • the identification information of the application determines the account balance information of the contactless application, and finally generates a response message after the transaction processing according to the account balance information of the contactless application and the transaction amount information of the contactless application carried in the transaction instruction.
  • the smart terminal when the SE is integrated on the SIM card and the SE is integrated on the smart terminal, after the SIM card is loaded into the smart terminal, the smart terminal includes two SEs.
  • each user has to be configured in advance.
  • the user has non-contact applications, including: bus card application, subway card application, shopping card application, meal card application, loyalty card application and recharge card application, wherein the integrated SE on the SIM card stores: bus card application, The identification information of the subway card application and the corresponding account balance information; the integrated SE on the smart terminal stores: the shopping card application, the meal card application, the loyalty card application, the identification information of the recharge card application, and the corresponding account balance information.
  • the SE corresponding to the contactless application determined by the intelligent terminal is the SE integrated on the SIM card; and the identification information carried in the transaction instruction is the identifier corresponding to the "shopping card application"
  • the SE corresponding to the contactless application determined by the smart terminal is an integrated SE on the smart terminal.
  • the embodiment of the present invention is not limited to storing the identifier information of the contactless application and the account balance information of the contactless application in the SE, and any other identifier information and non-contact that can store the non-contact application in the smart terminal.
  • the manner of applying the account balance information is applicable to the embodiment of the present invention. For example, in an application of the smart terminal, the identification information of the contactless application and the account balance information of the contactless application are stored.
  • the NFC device can be a portable NFC device, which can be a wearable NFC device.
  • the wearable NFC device can be a ring-shaped NFC device, a hand-loop NFC device, or a wristband-shaped NFC device.
  • the portable NFC device as a bridge between the card reader and the smart terminal, the user can realize communication with the card reader through the NFC device with better flexibility, thereby Can improve the user experience.
  • the NFC device can be a hand-loop NFC device.
  • the hand ring NFC device can be close to the card reader on the bus, and the bus can be brushed. Card operation;
  • the refill operation can be realized by simply bringing the hand ring NFC device close to the corresponding card reader.
  • the user after the user binds each contactless application owned by the user to the smart terminal in advance and wirelessly connects the smart terminal with the hand ring NFC device, the user only needs to ring the hand for these contactless applications.
  • the NFC device is close to the card reader and can be processed accordingly.
  • the portable NFC device is not limited to the wearable NFC device, and the wearable NFC device is not limited to the above-mentioned hand ring NFC device, and any other portable NFC device, such as a necklace-shaped NFC device, a key button NFC device, etc., is applicable. Embodiments of the invention.
  • the card reader may include: CLF, NFC antenna; portable NFC
  • the device may include: Bluetooth module (English full name: Blue Tooth, English abbreviation: BT), micro control unit (English full name: Micro Controller Unit, English abbreviation MCU), CLF, NFC antenna; intelligent terminal can include: BT module, application processing (English full name: Application Processor, English full name AP), integrated security element integrated on the SIM card (English full name Secure Element, English abbreviation SE).
  • the smart terminal when the smart terminal is an NFC smart terminal, a hardware structure diagram of the card reader, the NFC device, and the smart terminal may be as shown in FIG. 4 .
  • the card reader may include: a CLF, an NFC antenna;
  • the portable NFC device may include: a BT, an MCU, a CLF, an NFC antenna;
  • the NFC smart terminal may include: a BT module, an AP, an SE, a CLF, an NFC integrated on the SIM card. antenna.
  • the NFC intelligent terminal refers to an intelligent terminal having an NFC function.
  • the NFC intelligent terminal includes a CLF and an NFC antenna, and the CLF is used to send a transaction instruction to the SE.
  • the CLF is also used to select the S E corresponding to the contactless application identifier carried by the transaction instruction.
  • the existing NFC intelligent terminal can receive the transaction instruction sent by the card reader through the NFC antenna, and send the transaction instruction to the corresponding SE through the CLF.
  • the transaction instruction is sent to the SE through the CLF included in the NFC intelligent terminal, which is similar to the existing mobile payment processing flow of the NFC-enabled intelligent terminal, thereby reducing tampering with the existing protocol.
  • the BT module in the NFC smart terminal first receives the transaction instruction sent by the NFC device, and sends a transaction instruction to the AP in the NFC smart terminal, and then the NFC smart The AP in the terminal determines the corresponding contactless application according to the transaction instruction, and forwards the transaction instruction to the CLF in the NFC intelligent terminal through the corresponding contactless application, and finally determines the non-contact application according to the transaction instruction by the CLF in the NFC intelligent terminal.
  • the NFC intelligent terminal is first required to be close to the card reader, and the transaction sent by the card reader is received through the antenna in the NFC intelligent terminal.
  • the command, and then the antenna in the NFC intelligent terminal sends a transaction instruction to the CLF in the NFC intelligent terminal, and finally the CLF in the NFC intelligent terminal is based on the transaction instruction. Determining the SE corresponding to the contactless application, and sending a transaction instruction to the SE, so that the SE performs transaction processing.
  • the BT module in the smart terminal may first receive the transaction instruction sent by the NFC device, and send the transaction instruction to the AP in the NFC smart terminal. Then, the AP in the NFC intelligent terminal determines the corresponding SE according to the transaction instruction, and sends a transaction instruction to the SE, so that the SE performs transaction processing, so that the SE determines the corresponding contactless application; when the smart terminal is an NFC intelligent terminal As shown in FIG.
  • the transaction command sent by the NFC device may be first received by the BT module in the NFC intelligent terminal, and the transaction instruction is sent to the AP in the NFC intelligent terminal, and then the AP in the NFC intelligent terminal determines according to the transaction instruction.
  • the application corresponding to the contactless application, the application corresponding to the contactless application is in the AP, and the corresponding transaction is forwarded to the CLF in the NFC intelligent terminal by the corresponding application, and finally the CLF in the NFC intelligent terminal is based on the transaction instruction. Determining the SE corresponding to the contactless application and sending a transaction instruction to the SE, SE such that the transaction processing.
  • the processor in the portable NFC device is not limited to the foregoing MCU, and any other processor that can be integrated in the portable NFC device is applicable to the embodiment of the present invention
  • the SE is not limited to being integrated in the SIM card, and any other intelligent terminal
  • the method of the present invention is applicable to the SE, for example, the SE is integrated in the UIM card, the SD, and the smart terminal itself.
  • the NFC device first receives the transaction instruction sent by the card reader through the NFC, and then sends the transaction instruction to the smart terminal through the Bluetooth, and receives the response message sent by the smart terminal through the Bluetooth, and the response message is received by the smart terminal.
  • the intelligent terminal generates according to the transaction instruction, and finally sends a response message to the card reader through the NFC.
  • the embodiment of the present invention forwards the transaction command sent by the card reader to the smart terminal through the NFC device, and forwards the response message sent by the smart terminal to the card reader,
  • the user can avoid mobile payment directly through the smart terminal with poor flexibility, that is, the user only needs to bring the flexible NFC device closer to the card reader to realize mobile payment, thereby improving the flexibility of mobile payment, thereby improving the user.
  • the user can avoid mobile payment directly through the smart terminal with poor flexibility, that is, the user only needs to bring the flexible NFC device closer to the card reader to realize mobile payment, thereby improving the flexibility of mobile payment, thereby improving the user.
  • the user can avoid mobile payment directly through the smart terminal with poor flexibility, that is, the user only needs to bring the flexible NFC device closer to the card reader to realize mobile payment, thereby improving the flexibility of mobile payment, thereby improving the user.
  • the user can avoid mobile payment directly through the smart terminal with poor flexibility, that is, the user only needs to bring the flexible NFC device closer to the card reader to realize mobile payment, thereby improving
  • the device can realize the communication with the card reader through the NFC device with better flexibility, thereby improving the user experience; including by the NFC intelligent terminal
  • the CLF sends a transaction instruction to the SE, which is similar to the existing mobile payment processing flow of the NFC-enabled intelligent terminal, so that the modification of the existing protocol can be reduced.
  • an embodiment of the present invention further provides a mobile payment device, which is used to improve flexibility of mobile payment.
  • the device 50 includes : NFC receiving unit 51, Bluetooth transmitting unit 52, Bluetooth receiving unit 53, NFC transmitting unit 54.
  • the NFC receiving unit 51 is configured to receive a transaction instruction sent by the card reader through the NFC.
  • the Bluetooth transmitting unit 52 is configured to send, by the Bluetooth, the transaction instruction received by the NFC receiving unit 51 to the smart terminal.
  • the Bluetooth receiving unit 53 is configured to receive a response message sent by the smart terminal by using Bluetooth.
  • the response message is generated by the intelligent terminal according to the transaction instruction sent by the Bluetooth transmitting unit 52.
  • the NFC sending unit 54 is configured to send a response message received by the Bluetooth receiving unit 53 to the card reader through the NFC.
  • the transaction instruction received by the NFC receiving unit 51 carries identification information and transaction amount information of the contactless application, and the contactless application is a contactless application corresponding to the card reader.
  • the smart terminal stores the identification information of the at least one contactless application and the account balance information of the at least one contactless application.
  • the smart terminal first determines the account balance information of the contactless application according to the identification information of the contactless application carried by the transaction instruction sent by the Bluetooth sending unit 52; and then according to the account balance information of the contactless application, and the transaction instruction
  • the transaction amount information of the carried contactless application is processed to generate a response message received by the Bluetooth receiving unit.
  • the response message received by the Bluetooth receiving unit 53 carries the transaction success information or the transaction failure information.
  • the transaction success information is determined by the smart terminal to determine the account balance information of the contactless application.
  • the information is generated after the transaction amount information of the contactless application is determined by the intelligent terminal, and is generated by the smart terminal, and is smaller than the transaction amount information of the contactless application.
  • the smart terminal may include a security element SE, where the SE stores the identification information of the at least one contactless application and the account balance information of the at least one contactless application, and the SE is integrated in the customer identification module SIM card, the user identification module UIM card, At least one of a secure digital card SD or a smart terminal.
  • SE stores the identification information of the at least one contactless application and the account balance information of the at least one contactless application
  • the SE is integrated in the customer identification module SIM card, the user identification module UIM card, At least one of a secure digital card SD or a smart terminal.
  • the smart terminal when the smart terminal includes multiple SEs, the smart terminal first determines the SE corresponding to the non-contact application according to the identification information of the contactless application carried by the transaction instruction sent by the Bluetooth sending unit 52; The identification information of the contactless application carried by the transaction instruction determines the account balance information of the contactless application; finally, according to the account balance information of the contactless application and the transaction amount information of the contactless application carried in the transaction instruction, the transaction is processed to generate the Bluetooth The response message received by the receiving unit.
  • the mobile payment device provided by the embodiment of the present invention first receives a transaction instruction sent by the card reader through the NFC, and then sends a transaction instruction to the smart terminal through the Bluetooth, and receives the response message sent by the smart terminal through the Bluetooth, and the response message is sent by the smart terminal. Generated according to the transaction command, and finally sent a response message to the card reader through NFC.
  • the embodiment of the present invention forwards the transaction command sent by the card reader to the smart terminal through the NFC device, and forwards the response message sent by the smart terminal to the card reader,
  • the user can avoid mobile payment directly through the smart terminal with poor flexibility, that is, the user only needs to bring the flexible NFC device closer to the card reader to realize mobile payment, thereby improving the flexibility of mobile payment, thereby improving the user.
  • the user can avoid mobile payment directly through the smart terminal with poor flexibility, that is, the user only needs to bring the flexible NFC device closer to the card reader to realize mobile payment, thereby improving the flexibility of mobile payment, thereby improving the user.
  • the user can avoid mobile payment directly through the smart terminal with poor flexibility, that is, the user only needs to bring the flexible NFC device closer to the card reader to realize mobile payment, thereby improving the flexibility of mobile payment, thereby improving the user.
  • the user can avoid mobile payment directly through the smart terminal with poor flexibility, that is, the user only needs to bring the flexible NFC device closer to the card reader to realize mobile payment, thereby improving
  • the mobile payment device provided by the embodiment of the present invention can realize the card reading and the card reading by using the NFC device with better flexibility by using the portable NFC device as a bridge between the card reader and the smart terminal. Communication between the devices, thereby improving the user experience; sending a transaction instruction to the SE through the CLF included in the NFC intelligent terminal, which is similar to the existing mobile payment processing flow of the NFC-enabled intelligent terminal, thereby reducing the existing protocol Modifications.
  • other corresponding descriptions of the units in the mobile payment device 50 provided in the embodiment of the present invention may be referred to the corresponding descriptions in FIG. 1 and FIG. 2, and details are not described herein again.
  • the embodiment of the present invention further provides an NFC device for improving flexibility of mobile payment.
  • the NFC device 60 includes: an NFC communication module 61, a processor 62, and a Bluetooth communication module. 63.
  • the NFC communication module 61 is configured to receive a transaction instruction sent by the card reader through the NFC.
  • the NFC communication module 61 may specifically be a communication module composed of an antenna and a CLF.
  • the processor 62 is configured to forward the transaction instruction received by the NFC communication module 61 to the Bluetooth communication module 63.
  • the processor 62 may specifically be an MCU. It should be noted that the processor 62 in the NFC device 60 is not limited to the above MCU, and any other processor 62 that can be integrated in the NFC device 60 is applicable to the embodiment of the present invention.
  • the Bluetooth communication module 63 is configured to send a transaction instruction received by the NFC communication module 61 to the smart terminal via Bluetooth, and receive a response message sent by the smart terminal through the Bluetooth, and the response message is generated by the smart terminal according to the transaction instruction.
  • the Bluetooth communication module 63 may specifically be a BT module.
  • the processor 62 is further configured to forward the response message received by the Bluetooth communication module 63 to the NFC communication module 61.
  • the NFC communication module 61 is further configured to send a response message received by the Bluetooth communication module 63 to the card reader through the NFC.
  • the transaction command received by the NFC communication module 61 carries the identification information and the transaction amount information of the non-contact application, and the contactless application is the contactless application corresponding to the card reader.
  • the smart terminal stores an identification letter of the at least one contactless application, a package, and account balance information of the at least one contactless application.
  • the smart terminal first determines the account balance information of the contactless application according to the identification information of the contactless application carried by the transaction instruction sent by the Bluetooth communication module 63; then, according to the account balance information of the contactless application, and the transaction finger The transaction amount information of the contactless application carried in the order is processed to generate a response message received by the Bluetooth communication module 63.
  • the response message received by the Bluetooth communication module 63 carries the transaction success information or the transaction failure information.
  • the transaction success information is determined by the intelligent terminal, and the account balance information of the non-contact application is greater than or equal to the transaction amount information of the non-contact application; the transaction failure information is determined by the smart terminal to determine the account balance information of the contactless application, which is smaller than the non-contact application. Generated after the transaction amount information.
  • the smart terminal includes a secure element SE, where the SE stores the identification information of the at least one contactless application and the account balance information of the at least one contactless application, and the SE is integrated in the customer identification module SIM card, the user identification module UIM card, and the security At least one of a digital card SD or a smart terminal.
  • the SE stores the identification information of the at least one contactless application and the account balance information of the at least one contactless application
  • the SE is integrated in the customer identification module SIM card, the user identification module UIM card, and the security At least one of a digital card SD or a smart terminal.
  • the smart terminal when the smart terminal includes multiple SEs, the smart terminal first determines the SE corresponding to the non-contact application according to the identification information of the contactless application carried by the transaction command sent by the Bluetooth communication module 63; and then in the SE, according to the SE
  • the identification information of the contactless application carried by the transaction instruction determines the account balance information of the contactless application; finally, according to the account balance information of the contactless application and the transaction amount information of the contactless application carried in the transaction instruction, the transaction is processed to generate the Bluetooth The response message received by the communication module 63.
  • the NFC device first receives the transaction instruction sent by the card reader through the NFC, and then sends a transaction instruction to the smart terminal through the Bluetooth, and receives the response message sent by the smart terminal through the Bluetooth, and the response message is sent by the intelligent terminal. Generated according to the transaction command, and finally sent a response message to the card reader through NFC.
  • the embodiment of the present invention forwards the transaction command sent by the card reader to the smart terminal through the NFC device, and forwards the response message sent by the smart terminal to the card reader,
  • the user can avoid mobile payment directly through the smart terminal with poor flexibility, that is, the user only needs to bring the flexible NFC device closer to the card reader to realize mobile payment, thereby improving the flexibility of mobile payment, thereby improving the user.
  • the NFC device provided by the embodiment of the present invention can implement the NFC device with better flexibility by using the portable NFC device as a bridge between the card reader and the smart terminal, and can realize the card reader.
  • Inter-communication which can improve the user experience; send the transaction command to the SE through the CLF included in the NFC intelligent terminal, which is similar to the existing mobile payment processing flow of the NFC-enabled intelligent terminal, thereby reducing the modification of the existing protocol.
  • the SE sends the transaction command to the SE through the CLF included in the NFC intelligent terminal, which is similar to the existing mobile payment processing flow of the NFC-enabled intelligent terminal, thereby reducing the modification of the existing protocol.
  • the mobile payment device and the NFC device provided by the embodiments of the present invention may implement the foregoing method embodiments.
  • the mobile payment method, device and near field communication device provided by the embodiments of the present invention can be applied to implement mobile payment by using NFC, but is not limited thereto.
  • the storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

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Abstract

本发明公开了一种移动支付的方法、装置及近场通信设备，涉及信息技术领域，可以提高移动支付的灵活性。所述方法包括：NFC设备首先通过NFC接收读卡器发送的交易指令，然后通过蓝牙向智能终端发送交易指令，并通过蓝牙接收智能终端发送的应答消息，该应答消息由智能终端根据交易指令生成，最后通过NFC向读卡器发送应答消息。本发明适用于通过NFC实现移动支付。

Description

移动支付的方法、 装置及近场通信设备 技术领域
本发明涉及信息技术领域， 特别涉及一种移动支付的方法、 装置及近 场通信 （英文全称： Near Field Communication, 英文缩写： NFC ) 设备。 背景技术
随着智能手机的普及， 移动支付的使用越来越普遍。 目前的移动支付 主要包括： NFC支付、 刷卡支付、 应用支付。 其中， NFC支付是一种短距 离无线连接技术， 利用磁场感应实现电子设备在近距离间的通信， 用户只 需将 NFC设备靠近读卡器， 即可实现移动支付。
目前， 一种实现移动支付的方法， 将具备 NFC功能的手机作为 NFC设 备。移动支付的过程具体为：用户通过将具备 NFC功能的手机靠近读卡器， 实现接收读卡器发送的交易指令，然后该具备 NFC功能的手机对该交易指 令进行处理， 并向读卡器返回处理结果， 从而实现通过 NFC设备进行移动 支付。
然而， 通过具备 NFC功能的手机实现移动支付时， 由于与目前的其他 支付设备相比， 例如与公交卡相比， 手机的体积相对较大， 便携性较差， 从而导致通过 N F C手机实现移动支付的灵活性较差。
发明内容
本发明提供一种移动支付的方法、 装置及近场通信设备， 可以提高移 动支付的灵活性。
本发明采用的技术方案为：
第一方面， 本发明提供一种移动支付的方法， 包括：
近场通信 NFC设备通过 NFC接收读卡器发送的交易指令；
所述 NFC设备通过蓝牙向智能终端发送所述交易指令；
所述 NFC设备通过所述蓝牙接收所述智能终端发送的应答消息，所述 应答消息由所述智能终端根据所述交易指令生成； 所述 NFC设备通过所述 NFC向所述读卡器发送所述应答消息。 结合第一方面， 在第一方面的第一种可能的实现方式中， 所述交易指 令携带有非接触应用的标识信息和交易金额信息，所述非接触应用为所述 读卡器对应的非接触应用；
所述智能终端中存储有至少一个非接触应用的标识信息和所述至少 一个非接触应用的账户余额信息。
结合第一方面的第一种可能的实现方式，在第一方面的第二种可能的 实现方式中， 所述应答消息由所述智能终端根据所述交易指令生成， 具体 为：
所述智能终端根据所述交易指令携带的所述非接触应用的标识信息， 确定所述非接触应用的账户余额信息；
所述智能终端根据所述非接触应用的账户余额信息，以及所述交易指 令中携带的所述非接触应用的交易金额信息，进行交易处理后生成所述应 答消息。
结合第一方面的第二种可能的实现方式，在第一方面的第三种可能的 实现方式中， 所述应答消息携带有交易成功信息或交易失败信息；
所述交易成功信息由所述智能终端判断所述非接触应用的账户余额 信息， 大于或者等于所述非接触应用的交易金额信息后生成；
所述交易失败信息由所述智能终端判断所述非接触应用的账户余额 信息， 小于所述非接触应用的交易金额信息后生成。
结合第一方面的第一种可能的实现方式，或者第一方面的第二种可能 的实现方式， 或者第一方面的第三种可能的实现方式， 在第一方面的第四 种可能的实现方式中， 所述智能终端包括安全元件 SE , 所述 SE中存储有 至少一个非接触应用的标识信息和所述至少一个非接触应用的账户余额 信息， 所述 SE集成在客户识别模块 SIM卡、 用户识别模块 UIM卡、 安全数 码卡 SD或者所述智能终端的至少一个中；
当所述智能终端包括多个 S E时， 所述应答消息由所述智能终端根据 所述交易指令生成， 具体为：
所述智能终端根据所述交易指令携带的所述非接触应用的标识信息， 确定所述非接触应用对应的 SE;
所述智能终端在所述 SE中 , 根据所述交易指令携带的所述非接触应 用的标识信息， 确定所述非接触应用的账户余额信息；
所述智能终端根据所述非接触应用的账户余额信息，以及所述交易指 令中携带的所述非接触应用的交易金额信息，进行交易处理后生成所述应 答消息。
第二方面， 本发明提供一种移动支付的装置， 包括：
NFC接收单元， 用于通过 NFC接收读卡器发送的交易指令；
蓝牙发送单元，用于通过蓝牙向智能终端发送所述 NFC接收单元接收 的所述交易指令；
蓝牙接收单元， 用于通过所述蓝牙接收所述智能终端发送的应答消 息，所述应答消息由所述智能终端根据所述蓝牙发送单元发送的所述交易 指令生成；
NFC发送单元， 用于通过所述 NFC向所述读卡器发送所述蓝牙接收单 元接收的所述应答消息。
结合第二方面， 在第二方面的第一种可能的实现方式中，
所述 N F C接收单元接收的所述交易指令携带有非接触应用的标识信 息和交易金额信息， 所述非接触应用为所述读卡器对应的非接触应用； 所述智能终端中存储有至少一个非接触应用的标识信息和所述至少 一个非接触应用的账户余额信息。
结合第二方面的第一种可能的实现方式，在第二方面的第二种可能的 实现方式中，
所述智能终端根据所述蓝牙发送单元发送的所述交易指令携带的所 述非接触应用的标识信息， 确定所述非接触应用的账户余额信息；
所述智能终端根据所述非接触应用的账户余额信息，以及所述交易指 令中携带的所述非接触应用的交易金额信息，进行交易处理后生成所述蓝 牙接收单元接收的所述应答消息。
结合第二方面的第二种可能的实现方式，在第二方面的第三种可能的 实现方式中，
所述蓝牙接收单元接收的所述应答消息携带有交易成功信息或交易 失败信息；
所述交易成功信息由所述智能终端判断所述非接触应用的账户余额 信息， 大于或者等于所述非接触应用的交易金额信息后生成；
所述交易失败信息由所述智能终端判断所述非接触应用的账户余额 信息， 小于所述非接触应用的交易金额信息后生成。
结合第二方面的第一种可能的实现方式，或者第二方面的第二种可能 的实现方式， 或者第二方面的第三种可能的实现方式， 在第二方面的第四 种可能的实现方式中，
所述智能终端包括安全元件 SE , 所述 SE中存储有至少一个非接触应 用的标识信息和所述至少一个非接触应用的账户余额信息， 所述 SE集成 在客户识别模块 SIM卡、 用户识别模块 UIM卡、 安全数码卡 SD或者所述智 能终端的至少一个中；
当所述智能终端包括多个 SE时， 所述智能终端根据所述蓝牙发送单 元发送的所述交易指令携带的所述非接触应用的标识信息，确定所述非接 触应用对应的 SE;
所述智能终端在所述 SE中 , 根据所述交易指令携带的所述非接触应 用的标识信息， 确定所述非接触应用的账户余额信息；
所述智能终端根据所述非接触应用的账户余额信息，以及所述交易指 令中携带的所述非接触应用的交易金额信息，进行交易处理后生成所述蓝 牙接收单元接收的所述应答消息。
第三方面， 本发明提供一种近场通信 NFC设备， 包括：
NFC通信模块， 用于通过 NFC接收读卡器发送的交易指令； 处理器，用于向蓝牙通信模块转发所述 NFC通信模块接收的所述交易 指令；
所述蓝牙通信模块，用于通过蓝牙向智能终端发送所述 NFC通信模块 接收的所述交易指令， 并通过所述蓝牙接收所述智能终端发送的应答消 息， 所述应答消息由所述智能终端根据所述交易指令生成；
所述处理器，还用于向所述 NFC通信模块转发所述蓝牙通信模块接收 的所述应答消息；
所述 NFC通信模块， 还用于通过所述 NFC向所述读卡器发送所述蓝牙 通信模块接收的所述应答;肖 , 。
结合第三方面， 在第三方面的第一种可能的实现方式中，
所述 N F C通信模块接收的所述交易指令携带有非接触应用的标识信 息和交易金额信息， 所述非接触应用为所述读卡器对应的非接触应用； 所述智能终端中存储有至少一个非接触应用的标识信息和所述至少 一个非接触应用的账户余额信息。
结合第三方面的第一种可能的实现方式，在第三方面的第二种可能的 实现方式中，
所述智能终端根据所述蓝牙通信模块发送的所述交易指令携带的所 述非接触应用的标识信息， 确定所述非接触应用的账户余额信息；
所述智能终端根据所述非接触应用的账户余额信息，以及所述交易指 令中携带的所述非接触应用的交易金额信息，进行交易处理后生成所述蓝 牙通信模块接收的所述应答消息。
结合第三方面的第二种可能的实现方式，在第三方面的第三种可能的 实现方式中，
所述蓝牙通信模块接收的所述应答消息携带有交易成功信息或交易 失败信息；
所述交易成功信息由所述智能终端判断所述非接触应用的账户余额 信息， 大于或者等于所述非接触应用的交易金额信息后生成； 所述交易失败信息由所述智能终端判断所述非接触应用的账户余额 信息， 小于所述非接触应用的交易金额信息后生成。
结合第三方面的第一种可能的实现方式，或者第三方面的第二种可能 的实现方式， 或者第三方面的第三种可能的实现方式， 在第三方面的第四 种可能的实现方式中，
所述智能终端包括安全元件 SE , 所述 SE中存储有至少一个非接触应 用的标识信息和所述至少一个非接触应用的账户余额信息， 所述 SE集成 在客户识别模块 SIM卡、 用户识别模块 UIM卡、 安全数码卡 SD或者所述智 能终端的至少一个中；
当所述智能终端包括多个 S E时， 所述智能终端根据所述蓝牙通信模 块发送的所述交易指令携带的所述非接触应用的标识信息，确定所述非接 触应用对应的 SE;
所述智能终端在所述 SE中 , 根据所述交易指令携带的所述非接触应 用的标识信息， 确定所述非接触应用的账户余额信息；
所述智能终端根据所述非接触应用的账户余额信息，以及所述交易指 令中携带的所述非接触应用的交易金额信息，进行交易处理后生成所述蓝 牙通信模块接收的所述应答消息。
本发明提供的移动支付的方法、 装置及近场通信设备， NFC设备首先 通过 NFC接收读卡器发送的交易指令，然后通过蓝牙向智能终端发送交易 指令， 并通过蓝牙接收智能终端发送的应答消息， 该应答消息由智能终端 根据交易指令生成， 最后通过 NFC向读卡器发送应答消息。 与目前直接通 过具备 NFC功能的智能终端实现移动支付相比， 本发明通过 NFC设备， 向 智能终端转发读卡器发送的交易指令，并向读卡器转发智能终端发送的应 答消息， 能够避免用户直接通过灵活性较差的智能终端进行移动支付， 即 用户只需将灵活性较好的 NFC设备靠近读卡器即可实现移动支付，从而可 以提高移动支付的灵活性， 进而可以提高用户体验。
附图说明 为了更清楚地说明本发明或现有技术中的技术方案，下面将对本发明 或现有技术描述中所需要使用的附图作简单地介绍， 显而易见地， 下面描 述中的附图仅仅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的前提下， 还可以根据这些附图获得其它的附图。
图 1为本发明实施例中移动支付的方法流程图；
图 2为本发明实施例中另一种移动支付的方法流程图；
图 3为本发明实施例中移动支付的硬件结构示意图；
图 4为本发明实施例中另一种移动支付的硬件结构示意图；
图 5为本发明实施例中移动支付的装置结构示意图；
图 6为本发明实施例中 NFC设备的结构示意图。
具体实施方式
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，所描述的实施例仅仅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它实施例，都属于本发明保护的 范围。
本发明实施例提供一种移动支付的方法， 能够提高移动支付的灵活 性， 如图 1所示， 所述方法包括：
101、 NFC设备通过 NFC接收读卡器发送的交易指令。
其中，交易指令用于对非接触应用进行交易处理。在本发明实施例中， 交易指令可以携带有非接触应用的标识信息和交易金额信息。
对于本发明实施例，交易指令具体可以用于对非接触应用进行扣费处 理、 充值处理、 积分处理等交易处理。 例如， 交易指令可以用于对非接触 应用进行扣费处理， 此时， 交易指令中携带的非接触应用的标识信息可以 为 "公交卡应用" 对应的标识信息， 交易命令中携带的交易金额信息可以 为 "扣费 1元"； 再例如， 交易指令可以用于对非接触应用进行充值处理， 此时， 交易指令中携带的非接触应用的标识信息可以为 "电话卡应用 " 对 应的标识信息， 交易命令中携带的交易金额信息可以为 "充值 100元"； 再 例如， 交易指令可以用于对非接触应用进行积分处理， 此时， 交易指令中 携带的非接触应用的标识信息可以为 "会员卡应用 " 对应的标识信息， 交 易命令中携带的交易金额信息可以为 "积分 20分"。
102、 NFC设备通过蓝牙向智能终端发送交易指令。
进一步地， 通过 NFC设备向智能终端发送交易指令， 以使得智能终端 可以对该交易指令进行交易处理。
103、 NFC设备通过蓝牙接收智能终端发送的应答消息。
其中， 应答消息由智能终端根据交易指令生成。 具体地， 智能终端首 先根据交易指令携带的非接触应用的标识信息，确定非接触应用的账户余 额信息， 然后根据非接触应用的账户余额信息， 以及交易指令中携带的非 接触应用的交易金额信息， 进行交易处理后生成应答消息。
104、 NFC设备通过 NFC向读卡器发送应答消息。
本发明实施例提供的移动支付的方法， NFC设备首先通过 NFC接收读 卡器发送的交易指令， 然后通过蓝牙向智能终端发送交易指令， 并通过蓝 牙接收智能终端发送的应答消息，该应答消息由智能终端根据交易指令生 成， 最后通过 NFC向读卡器发送应答消息。 与目前直接通过具备 NFC功能 的智能终端实现移动支付相比， 本发明实施例通过 NFC设备， 向智能终端 转发读卡器发送的交易指令， 并向读卡器转发智能终端发送的应答消息， 能够避免用户直接通过灵活性较差的智能终端进行移动支付，即用户只需 将灵活性较好的 NFC设备靠近读卡器即可实现移动支付，从而可以提高移 动支付的灵活性， 进而可以提高用户体验。
作为对图 1所示方法的具体说明， 本发明实施例提供另一种移动支付 的方法， 如图 2所示， 所述方法包括：
201、 NFC设备通过 NFC接收读卡器发送的交易指令。
其中， 交易指令携带有非接触应用的标识信息和交易金额信息， 非接 触应用为读卡器对应的非接触应用。 在本发明实施例中， 智能终端中存储 有至少一个非接触应用的标识信息和至少一个非接触应用的账户余额信 息。
对于本发明实施例，交易指令具体可以用于对非接触应用进行扣费处 理、 充值处理、 积分处理等交易处理。 例如， 交易指令可以用于对非接触 应用进行扣费处理， 此时， 交易指令中携带的非接触应用的标识信息可以 为 "公交卡应用"， 交易命令中携带的交易金额信息可以为 "扣费 1元"； 再例如， 交易指令可以用于对非接触应用进行充值处理， 此时， 交易指令 中携带的非接触应用的标识信息可以为 "电话卡应用"， 交易命令中携带 的交易金额信息可以为 "充值 100元"； 再例如， 交易指令可以用于对非接 触应用进行积分处理， 此时， 交易指令中携带的非接触应用的标识信息可 以为 "会员卡应用"， 交易命令中携带的交易金额信息可以为 "积分 20分"。
对于本发明实施例， 读卡器与 NFC设备之间可以通过 NFC技术进行通 信， NFC技术是由 RFID技术演化而来的一种短距离无线连接技术。 在本 发明实施例中， 读卡器及 NFC设备中均具备非接触前端 （英文全称： Contactless Frontend, 英文缩写： CLF )及 NFC天线。 其中， CLF (即 NFC 芯片， 或者 NFC控制器）用于处理非接触射频接口和通讯协议； NFC天线 是一种近场耦合天线， 用于在 NFC技术中接收或发送信号。
对于本发明实施例， 读卡器为生成并发送交易指令的设备。 例如， 读 卡器可以为公交车上用于刷公交卡的设备， 此时， 读卡器生成并发送的交 易指令， 用于对 "公交卡应用" 进行扣费处理。 在本发明实施例中， 非接 触应用还可以为地铁卡应用、 购物卡应用、 健身卡应用、 饭卡应用、 积分 卡应用或充值卡应用等。
需要说明的是， 读卡器不限于上述公交车上用于刷公交卡的设备， 交 易指令也不限于上述对 "公交卡应用" 进行扣费处理， 其他任何可以通过 NFC实现读卡器与 NFC设备之间进行通信的场景， 均适用本发明实施例， 例如， 读卡器可以为商店中用于进行积分的设备， 此时， 读卡器生成并发 送的交易指令， 可以用于对 "积分卡应用" 进行积分处理。 202、 NFC设备通过蓝牙向智能终端发送交易指令。
进一步地， 通过 NFC设备向智能终端发送交易指令， 以使得智能终端 可以对该交易指令进行交易处理。
203、 NFC设备通过蓝牙接收智能终端发送的应答消息。
其中， 应答消息由智能终端根据交易指令生成。
对于本发明实施例，智能终端中存储有至少一个非接触应用的标识信 息和至少一个非接触应用的账户余额信息。 具体地， 智能终端首先根据交 易指令携带的非接触应用的标识信息， 确定非接触应用的账户余额信息， 然后根据非接触应用的账户余额信息，以及交易指令中携带的非接触应用 的交易金额信息， 进行交易处理后生成应答消息。
例如， 交易指令携带的非接触应用的标识信息为 "公交卡应用" 对应 的标识信息，智能终端首先在存储的至少一个非接触应用的标识信息及至 少一个非接触应用的账户余额信息中， 确定 "公交卡应用" 的账户余额信 息为 " 80元"， 然后根据该非接触应用的账户余额信息 " 80元"， 以及交易 指令中携带的非接触应用的交易金额信息 "扣费 1元"， 进行扣费处理， 扣 费处理之后， "公交卡应用" 的账户余额信息为 " 79元"。 再例如， 交易指 令携带的非接触应用的标识信息为 "积分卡应用" 对应的标识信息， 智能 终端首先在存储的至少一个非接触应用的标识信息及至少一个非接触应 用的账户余额信息中， 确定 "积分卡应用" 的账户余额信息为 " 1000分"， 然后根据该非接触应用的账户余额信息 " 1000分"， 以及交易指令中携带 的非接触应用的交易金额信息 "积分 20分"， 进行积分处理， 积分处理之 后， "积分卡应用" 的账户余额信息为 " 1020分"。
对于本发明实施例，应答消息可以携带有交易成功信息或交易失败信 息。 其中， 交易成功信息由智能终端判断非接触应用的账户余额信息， 大 于或者等于非接触应用的交易金额信息后生成；交易失败信息由智能终端 判断非接触应用的账户余额信息， 小于非接触应用的交易金额信息后生 成。 例如， 交易命令中携带的交易金额信息为 "扣费 1元"， 若非接触应用 的账户余额为 " 50元"， 则智能终端判断非接触应用的账户余额信息， 大 于或者等于非接触应用的交易金额信息， 即该非接触应用的账户余额充 足， 智能终端生成交易成功信息； 若非接触应用的账户余额为 " 0.5元"， 则智能终端判断非接触应用的账户余额信息，小于非接触应用的交易金额 信息， 即该非接触应用的账户余额不足， 智能终端生成交易失败信息。
204、 NFC设备通过 NFC向读卡器发送应答消息。
对于本发明实施例， 智能终端包括安全元件 （英文全称： Secure Element , 英文缩写： SE ), SE中存储有至少一个非接触应用的标识信息 和至少一个非接触应用的账户余额信息。 在本发明实施例中， SE可以集 成在客户识别模块 （英文全称： Subscriber Identity Module , 英文缩写： SIM ) 卡、 用户识别模块 （英文全称： User Identity Module , 英文缩写： UIM ) 卡、 安全数码卡 （英文全称： Secure Digital Memory Card, 英文缩 写： SD ) 或者智能终端本身的至少一个中。
对于本发明实施例， 当智能终端包括多个 SE时， 智能终端首先根据 交易指令携带的非接触应用的标识信息， 确定非接触应用对应的 SE , 然 后在 SE中， 根据交易指令携带的非接触应用的标识信息， 确定非接触应 用的账户余额信息， 最后根据非接触应用的账户余额信息， 以及交易指令 中携带的非接触应用的交易金额信息， 进行交易处理后生成应答消息。
例如， 当 SIM卡上集成有 SE , 并且智能终端上也集成有 SE时， 将 该 SIM卡装入该智能终端后， 该智能终端包括两个 SE , 此时， 需要预先 配置用户所拥有的各个非接触应用及这两个 SE之间的对应关系。 若用户 所拥有的非接触应用包括： 公交卡应用、 地铁卡应用、 购物卡应用、 饭卡 应用、 积分卡应用及充值卡应用， 其中， SIM卡上集成的 SE中存储有： 公交卡应用、 地铁卡应用的标识信息及分别对应的账户余额信息； 智能终 端上集成的 SE中存储有： 购物卡应用、 饭卡应用、 积分卡应用、 充值卡 应用的标识信息及分别对应的账户余额信息。当交易指令中携带的标识信 息为 "公交卡应用" 对应的标识信息时， 该智能终端确定的非接触应用对 应的 SE, 为 SIM卡上集成的 SE; 当交易指令中携带的标识信息为 "购物 卡应用" 对应的标识信息时， 该智能终端确定的非接触应用对应的 SE, 为智能终端上集成的 SE。
需要说明的是， 本发明实施例不限于在上述 SE中， 存储非接触应用 的标识信息及非接触应用的账户余额信息，其他任何可以实现在智能终端 中存储非接触应用的标识信息及非接触应用的账户余额信息的方式均适 用本发明实施例， 例如， 在智能终端的某一应用程序中， 存储非接触应用 的标识信息及非接触应用的账户余额信息。
对于本发明实施例， NFC设备可以为便携式 NFC设备， 该便携式 NFC 设备可以为可穿戴 NFC设备。 其中， 可穿戴 NFC设备可以为指环状 NFC设 备、 手环状 NFC设备或腕带状 NFC设备等。 在本发明实施例中， 通过将便 携式 NFC设备作为读卡器与智能终端之间的桥梁， 能够实现用户通过灵活 性性较好的 NFC设备， 即可实现与读卡器之间的通信， 从而可以提高用户 体验。
例如， NFC设备可以为手环状 NFC设备， 当用户在公交车上， 需要进 行刷公交卡操作时， 只需将该手环状 NFC设备靠近公交车上的读卡器， 即 可实现刷公交卡操作； 当用户需要进行充值操作时， 只需将该手环状 NFC 设备靠近对应的读卡器， 即可实现充值操作。 换言之， 用户预先将自身拥 有的各个非接触应用与智能终端进行绑定，并将智能终端与该手环状 NFC 设备进行无线连接后， 对于这些非接触应用， 用户均只需将该手环状 NFC 设备靠近读卡器， 即可实现相应处理。
需要说明的是， 便携式 NFC设备不限于可穿戴 NFC设备， 可穿戴 NFC 设备也不限于上述手环状 NFC设备， 其他任何便携式 NFC设备， 例如项链 状 NFC设备、 钥匙扣状 NFC设备等， 均适用本发明实施例。
对于本发明实施例， 读卡器、 NFC设备与智能终端的硬件结构示意图 可以如图 3所示。 其中， 读卡器可以包括： CLF、 NFC天线； 便携式 NFC 设备可以包括： 蓝牙模块 （英文全称： Blue Tooth, 英文缩写： BT )、 微 控制单元（英文全称： Micro Controller Unit, 英文缩写 MCU )、 CLF、 NFC 天线； 智能终端可以包括： BT模块、 应用处理器（英文全称： Application Processor , 英文全称 AP )、 集成在 SIM卡上的安全元件 （英文全称 Secure Element, 英文缩写 SE )。
对于本发明实施例， 当智能终端为 NFC智能终端时， 读卡器、 NFC设 备与智能终端的硬件结构示意图可以如图 4所示。 其中， 读卡器可以包括： CLF、 NFC天线； 便携式 NFC设备可以包括： BT、 MCU、 CLF、 NFC天线； NFC智能终端可以包括： BT模块、 AP、 集成在 SIM卡上的 SE、 CLF、 NFC 天线。 在本发明实施例中， NFC智能终端指具有 NFC功能的智能终端， 与 一般的智能终端相比， NFC智能终端包括 CLF及 NFC天线， 该 CLF用于向 SE发送交易指令。 另外， 当 NFC智能终端具备多个 SE时， 该 CLF还用于选 择交易指令携带的非接触应用标识所对应的 S E。
对于本发明实施例， 现有的 NFC智能终端， 可以通过 NFC天线接收读 卡器发送的交易指令， 并通过 CLF向对应的 SE发送该交易指令。 在本发明 实施例中， 通过 NFC智能终端包括的 CLF , 向 SE发送交易指令， 与现有的 具有 NFC功能的智能终端的移动支付处理流程相近，从而可以减少对已有 协议的爹改。
具体地， 当智能终端为 NFC智能终端时， 本发明实施例中， 首先通过 NFC智能终端中的 BT模块接收 NFC设备发送的交易指令，并向 NFC智能终 端中的 AP发送交易指令， 然后 NFC智能终端中的 AP根据交易指令， 确定 对应的非接触应用， 并通过对应的非接触应用向 NFC智能终端中的 CLF转 发交易指令， 最后由 NFC智能终端中的 CLF根据交易指令， 确定非接触应 用对应的 SE , 并向该 SE发送交易指令， 以使得该 SE进行交易处理； 而现 有技术中， 首先需要 NFC智能终端靠近读卡器， 并通过 NFC智能终端中的 天线接收读卡器发送的交易指令， 然后 NFC智能终端中的天线向 NFC智能 终端中的 CLF发送交易指令， 最后 NFC智能终端中的 CLF根据交易指令， 确定非接触应用对应的 SE , 并向该 SE发送交易指令， 以使得该 SE进行交 易处理。
对于本发明实施例， 当智能终端并非 NFC智能终端时， 如图 3所示， 可以首先通过智能终端中的 BT模块接收 NFC设备发送的交易指令， 并向 N F C智能终端中的 A P发送交易指令， 然后 N F C智能终端中的 A P根据交易 指令， 确定对应的 SE , 并向该该 SE发送交易指令， 以使得该 SE进行交易 处理， 以使得 SE确定对应的非接触应用； 当智能终端为 NFC智能终端时， 如图 4所示， 可以首先通过 NFC智能终端中的 BT模块接收 NFC设备发送的 交易指令， 并向 NFC智能终端中的 AP发送交易指令， 然后 NFC智能终端中 的 AP根据交易指令， 确定非接触应用对应的应用程序， 该非接触应用对 应的应用程序在 AP中 , 并通过对应的应用程序向 NFC智能终端中的 CLF 转发该交易指令， 最后由 NFC智能终端中的 CLF根据交易指令， 确定非接 触应用对应的 SE , 并向该 SE发送交易指令， 以使得该 SE进行交易处理。
需要说明的是， 便携式 NFC设备中的处理器不限于上述 MCU , 其他 任何可以集成在便携式 NFC设备中的处理器， 均适用本发明实施例； SE 不限于集成在 SIM卡中， 其他任何智能终端具备 SE的方式， 例如 SE集成在 UIM卡中、 SD中、 智能终端本身中等， 均适用本发明实施例。
本发明实施例提供的移动支付的方法， NFC设备首先通过 NFC接收读 卡器发送的交易指令， 然后通过蓝牙向智能终端发送交易指令， 并通过蓝 牙接收智能终端发送的应答消息，该应答消息由智能终端根据交易指令生 成， 最后通过 NFC向读卡器发送应答消息。 与目前直接通过具备 NFC功能 的智能终端实现移动支付相比， 本发明实施例通过 NFC设备， 向智能终端 转发读卡器发送的交易指令， 并向读卡器转发智能终端发送的应答消息， 能够避免用户直接通过灵活性较差的智能终端进行移动支付，即用户只需 将灵活性较好的 NFC设备靠近读卡器即可实现移动支付，从而可以提高移 动支付的灵活性， 进而可以提高用户体验。
进一步地， 本发明实施例提供的移动支付的方法， 通过将便携式 NFC 设备作为读卡器与智能终端之间的桥梁，能够实现用户通过灵活性性较好 的 NFC设备， 即可实现与读卡器之间的通信， 从而可以提高用户体验； 通 过 NFC智能终端包括的 CLF , 向 SE发送交易指令， 与现有的具有 NFC功能 的智能终端的移动支付处理流程相近， 从而可以减少对已有协议的修改。
进一步地， 作为对图 1及图 2所示方法的实现， 本发明实施例还提供 了一种移动支付的装置， 用于提高移动支付的灵活性， 如图 5所示， 所述 装置 50包括： NFC接收单元 51、 蓝牙发送单元 52、 蓝牙接收单元 53、 NFC发送单元 54。
NFC接收单元 51 , 用于通过 NFC接收读卡器发送的交易指令。
蓝牙发送单元 52 ,用于通过蓝牙向智能终端发送 NFC接收单元 51接收 的交易指令。
蓝牙接收单元 53 , 用于通过蓝牙接收智能终端发送的应答消息.
其中， 应答消息由智能终端根据蓝牙发送单元 52发送的交易指令生 成。
NFC发送单元 54 , 用于通过 NFC向读卡器发送蓝牙接收单元 53接收的 应答消息。
NFC接收单元 51接收的交易指令携带有非接触应用的标识信息和交 易金额信息， 非接触应用为读卡器对应的非接触应用。
可选地，智能终端中存储有至少一个非接触应用的标识信息和至少一 个非接触应用的账户余额信息。 对于本发明实施例， 智能终端首先根据蓝 牙发送单元 52发送的交易指令携带的非接触应用的标识信息，确定非接触 应用的账户余额信息； 然后根据非接触应用的账户余额信息， 以及交易指 令中携带的非接触应用的交易金额信息，进行交易处理后生成蓝牙接收单 元接收的应答消息。
蓝牙接收单元 53接收的应答消息携带有交易成功信息或交易失败信 息。
其中， 交易成功信息由智能终端判断非接触应用的账户余额信息， 大 于或者等于非接触应用的交易金额信息后生成；交易失败信息由智能终端 判断非接触应用的账户余额信息， 小于非接触应用的交易金额信息后生 成。
可选地， 智能终端可以包括安全元件 SE , SE中存储有至少一个非接 触应用的标识信息和至少一个非接触应用的账户余额信息， SE集成在客 户识别模块 SIM卡、 用户识别模块 UIM卡、 安全数码卡 SD或者智能终端的 至少一个中。 对于本发明实施例， 当智能终端包括多个 SE时， 首先智能终端根据 蓝牙发送单元 52发送的交易指令携带的非接触应用的标识信息，确定非接 触应用对应的 SE; 然后在 SE中， 根据交易指令携带的非接触应用的标识 信息， 确定非接触应用的账户余额信息； 最后根据非接触应用的账户余额 信息， 以及交易指令中携带的非接触应用的交易金额信息， 进行交易处理 后生成蓝牙接收单元接收的应答消息。
本发明实施例提供的移动支付的装置，首先通过 NFC接收读卡器发送 的交易指令， 然后通过蓝牙向智能终端发送交易指令， 并通过蓝牙接收智 能终端发送的应答消息， 该应答消息由智能终端根据交易指令生成， 最后 通过 NFC向读卡器发送应答消息。 与目前直接通过具备 NFC功能的智能终 端实现移动支付相比， 本发明实施例通过 NFC设备， 向智能终端转发读卡 器发送的交易指令， 并向读卡器转发智能终端发送的应答消息， 能够避免 用户直接通过灵活性较差的智能终端进行移动支付，即用户只需将灵活性 较好的 NFC设备靠近读卡器即可实现移动支付，从而可以提高移动支付的 灵活性， 进而可以提高用户体验。
进一步地， 本发明实施例提供的移动支付的装置， 通过将便携式 NFC 设备作为读卡器与智能终端之间的桥梁，能够实现用户通过灵活性性较好 的 NFC设备， 即可实现与读卡器之间的通信， 从而可以提高用户体验； 通 过 NFC智能终端包括的 CLF , 向 SE发送交易指令， 与现有的具有 NFC功能 的智能终端的移动支付处理流程相近， 从而可以减少对已有协议的修改。 需要说明的是，本发明实施例中提供的移动支付的装置 50中各单元所 对应的其他相应描述， 可以参考图 1及图 2中的对应描述， 在此不再赘述。
再进一步地， 本发明实施例还提供了一种 NFC设备， 用于提高移动 支付的灵活性， 如图 6所示， 所述 NFC设备 60包括： NFC通信模块 61、 处理器 62、 蓝牙通信模块 63。
NFC通信模块 61 , 用于通过 NFC接收读卡器发送的交易指令。
对于本发明实施例， NFC通信模块 61具体可以为由天线及 CLF构成的 通信模块。
处理器 62 ,用于向蓝牙通信模块 63转发 NFC通信模块 61接收的交易指 令。
对于本发明实施例， 处理器 62具体可以为 MCU。 需要说明的是， NFC 设备 60中的处理器 62不限于上述 MCU , 其他任何可以集成在 NFC设备 60 中的处理器 62 , 均适用本发明实施例。
蓝牙通信模块 63 ,用于通过蓝牙向智能终端发送 NFC通信模块 61接收 的交易指令， 并通过蓝牙接收智能终端发送的应答消息， 应答消息由智能 终端根据交易指令生成。
对于本发明实施例， 蓝牙通信模块 63具体可以为 BT模块。
处理器 62 ,还用于向 NFC通信模块 61转发蓝牙通信模块 63接收的应答 消息。
NFC通信模块 61 , 还用于通过 NFC向读卡器发送蓝牙通信模块 63接收 的应答消息。
NFC通信模块 61接收的交易指令携带有非接触应用的标识信息和交 易金额信息， 非接触应用为读卡器对应的非接触应用。
可选地，智能终端中存储有至少一个非接触应用的标识信,包、和至少一 个非接触应用的账户余额信息。 对于本发明实施例， 智能终端首先根据蓝 牙通信模块 63发送的交易指令携带的非接触应用的标识信息，确定非接触 应用的账户余额信息； 然后根据非接触应用的账户余额信息， 以及交易指 令中携带的非接触应用的交易金额信息，进行交易处理后生成蓝牙通信模 块 63接收的应答消息。
蓝牙通信模块 63接收的应答消息携带有交易成功信息或交易失败信 息。
其中， 交易成功信息由智能终端判断非接触应用的账户余额信息， 大 于或者等于非接触应用的交易金额信息后生成；交易失败信息由智能终端 判断非接触应用的账户余额信息， 小于非接触应用的交易金额信息后生 成。
可选地， 智能终端包括安全元件 SE , SE中存储有至少一个非接触应 用的标识信息和至少一个非接触应用的账户余额信息， SE集成在客户识 别模块 SIM卡、 用户识别模块 UIM卡、 安全数码卡 SD或者智能终端的至少 一个中。
对于本发明实施例， 当智能终端包括多个 SE时， 首先智能终端根据 蓝牙通信模块 63发送的交易指令携带的非接触应用的标识信息，确定非接 触应用对应的 SE; 然后在 SE中， 根据交易指令携带的非接触应用的标识 信息， 确定非接触应用的账户余额信息； 最后根据非接触应用的账户余额 信息， 以及交易指令中携带的非接触应用的交易金额信息， 进行交易处理 后生成蓝牙通信模块 63接收的应答消息。
本发明实施例提供的 NFC设备， NFC设备首先通过 NFC接收读卡器发 送的交易指令， 然后通过蓝牙向智能终端发送交易指令， 并通过蓝牙接收 智能终端发送的应答消息， 该应答消息由智能终端根据交易指令生成， 最 后通过 NFC向读卡器发送应答消息。 与目前直接通过具备 NFC功能的智能 终端实现移动支付相比， 本发明实施例通过 NFC设备， 向智能终端转发读 卡器发送的交易指令， 并向读卡器转发智能终端发送的应答消息， 能够避 免用户直接通过灵活性较差的智能终端进行移动支付，即用户只需将灵活 性较好的 NFC设备靠近读卡器即可实现移动支付，从而可以提高移动支付 的灵活性， 进而可以提高用户体验。 进一步地， 本发明实施例提供的 NFC设备， 通过将便携式 NFC设备作 为读卡器与智能终端之间的桥梁，能够实现用户通过灵活性性较好的 NFC 设备， 即可实现与读卡器之间的通信， 从而可以提高用户体验； 通过 NFC 智能终端包括的 CLF , 向 SE发送交易指令， 与现有的具有 NFC功能的智能 终端的移动支付处理流程相近， 从而可以减少对已有协议的修改。 的相应描述， 可以参考图 1或图 2中的方法的对应描述， 在此不再赘述。
本发明实施例提供的移动支付的装置及 NFC设备可以实现上述提供 的方法实施例，具体功能实现请参见方法实施例中的说明，在此不再赘述。 本发明实施例提供的移动支付的方法、 装置及近场通信设备， 可以适用于 通过 NFC实现移动支付， 但不仅限于此。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分 流程， 是可以通过计算机程序来指令相关的硬件来完成， 所述的程序可存 储于一计算机可读取存储介质中， 该程序在执行时， 可包括如上述各方法 的实施例的流程。 其中， 所述的存储介质可为磁碟、 光盘、 只读存储记忆 体 ( Read-Only Memory , ROM ) 或随机存 者 i己忆体 ( Random Access Memory, RAM ) 等。
以上所述， 仅为本发明的具体实施方式， 但本发明的保护范围并不局 限于此， 任何熟悉本技术领域的技术人员在本发明揭露的技术范围内， 可 轻易想到的变化或替换， 都应涵盖在本发明的保护范围之内。 因此， 本发 明的保护范围应该以权利要求的保护范围为准。

Claims

权 利 要 求 书
1、 一种移动支付的方法， 其特征在于， 包括：
近场通信 NFC设备通过 NFC接收读卡器发送的交易指令；
所述 NFC设备通过蓝牙向智能终端发送所述交易指令；
所述 NFC设备通过所述蓝牙接收所述智能终端发送的应答消息， 所述 应答消息由所述智能终端根据所述交易指令生成；
所述 NFC设备通过所述 NFC向所述读卡器发送所述应答消息。
2、 根据权利要求 1所述的方法， 其特征在于， 所述交易指令携带有非 接触应用的标识信息和交易金额信息， 所述非接触应用为所述读卡器对应 的非接触应用；
所述智能终端中存储有至少一个非接触应用的标识信息和所述至少一 个非接触应用的账户余额信息。
3、 根据权利要求 2所述的方法， 其特征在于， 所述应答消息由所述智 能终端根据所述交易指令生成， 具体为：
所述智能终端根据所述交易指令携带的所述非接触应用的标识信息， 确定所述非接触应用的账户余额信息；
所述智能终端根据所述非接触应用的账户余额信息， 以及所述交易指 令中携带的所述非接触应用的交易金额信息， 进行交易处理后生成所述应 答消息。
4、 根据权利要求 3所述的方法， 其特征在于， 所述应答消息携带有交 易成功信息或交易失败信息；
所述交易成功信息由所述智能终端判断所述非接触应用的账户余额信 息， 大于或者等于所述非接触应用的交易金额信息后生成；
所述交易失败信息由所述智能终端判断所述非接触应用的账户余额信 息， 小于所述非接触应用的交易金额信息后生成。
5、 根据权利要求 2至 4任一所述的方法， 其特征在于， 所述智能终端包 括安全元件 SE, 所述 SE中存储有至少一个非接触应用的标识信息和所述至 少一个非接触应用的账户余额信息， 所述 SE集成在客户识别模块 SIM卡、 用户识别模块 UIM卡、 安全数码卡 SD或者所述智能终端的至少一个中； 当所述智能终端包括多个 SE时， 所述应答消息由所述智能终端根据所 述交易指令生成， 具体为：
所述智能终端根据所述交易指令携带的所述非接触应用的标识信息， 确定所述非接触应用对应的 SE;
所述智能终端在所述 SE中， 根据所述交易指令携带的所述非接触应用 的标识信息， 确定所述非接触应用的账户余额信息；
所述智能终端根据所述非接触应用的账户余额信息， 以及所述交易指 令中携带的所述非接触应用的交易金额信息， 进行交易处理后生成所述应 答消息。
6、 一种移动支付的装置， 其特征在于， 包括：
NFC接收单元， 用于通过 NFC接收读卡器发送的交易指令；
蓝牙发送单元， 用于通过蓝牙向智能终端发送所述 NFC接收单元接收 的所述交易指令；
蓝牙接收单元，用于通过所述蓝牙接收所述智能终端发送的应答消息， 所述应答消息由所述智能终端根据所述蓝牙发送单元发送的所述交易指令 生成；
NFC发送单元， 用于通过所述 NFC向所述读卡器发送所述蓝牙接收单 元接收的所述应答消息。
7、 根据权利要求 6所述的装置， 其特征在于，
所述 NFC接收单元接收的所述交易指令携带有非接触应用的标识信息 和交易金额信息， 所述非接触应用为所述读卡器对应的非接触应用；
所述智能终端中存储有至少一个非接触应用的标识信息和所述至少一 个非接触应用的账户余额信息。
8、 根据权利要求 7所述的装置， 其特征在于，
所述智能终端根据所述蓝牙发送单元发送的所述交易指令携带的所述 非接触应用的标识信息， 确定所述非接触应用的账户余额信息； 所述智能终端根据所述非接触应用的账户余额信息， 以及所述交易指 令中携带的所述非接触应用的交易金额信息， 进行交易处理后生成所述蓝 牙接收单元接收的所述应答消息。
9、 根据权利要求 8所述的装置， 其特征在于，
所述蓝牙接收单元接收的所述应答消息携带有交易成功信息或交易失 败信息；
所述交易成功信息由所述智能终端判断所述非接触应用的账户余额信 息， 大于或者等于所述非接触应用的交易金额信息后生成；
所述交易失败信息由所述智能终端判断所述非接触应用的账户余额信 息， 小于所述非接触应用的交易金额信息后生成。
10、 根据权利要求 7至 9任一所述的装置， 其特征在于，
所述智能终端包括安全元件 SE, 所述 SE中存储有至少一个非接触应用 的标识信息和所述至少一个非接触应用的账户余额信息， 所述 SE集成在客 户识别模块 SIM卡、 用户识别模块 UIM卡、 安全数码卡 SD或者所述智能终 端的至少一个中；
当所述智能终端包括多个 SE时， 所述智能终端根据所述蓝牙发送单元 发送的所述交易指令携带的所述非接触应用的标识信息， 确定所述非接触 应用对应的 SE;
所述智能终端在所述 SE中， 根据所述交易指令携带的所述非接触应用 的标识信息， 确定所述非接触应用的账户余额信息；
所述智能终端根据所述非接触应用的账户余额信息， 以及所述交易指 令中携带的所述非接触应用的交易金额信息， 进行交易处理后生成所述蓝 牙接收单元接收的所述应答消息。
11、 一种近场通信 NFC设备， 其特征在于， 包括：
NFC通信模块， 用于通过 NFC接收读卡器发送的交易指令；
处理器， 用于向蓝牙通信模块转发所述 NFC通信模块接收的所述交易 指令；
所述蓝牙通信模块， 用于通过蓝牙向智能终端发送所述 NFC通信模块 接收的所述交易指令，并通过所述蓝牙接收所述智能终端发送的应答消息， 所述应答消息由所述智能终端根据所述交易指令生成；
所述处理器， 还用于向所述 NFC通信模块转发所述蓝牙通信模块接收 的所述应答消息；
所述 NFC通信模块， 还用于通过所述 NFC向所述读卡器发送所述蓝牙 通信模块接收的所述应答消息。
12、 根据权利要求 11所述的 NFC设备， 其特征在于，
所述 NFC通信模块接收的所述交易指令携带有非接触应用的标识信息 和交易金额信息， 所述非接触应用为所述读卡器对应的非接触应用；
所述智能终端中存储有至少一个非接触应用的标识信息和所述至少一 个非接触应用的账户余额信息。
13、 根据权利要求 12所述的 NFC设备， 其特征在于，
所述智能终端根据所述蓝牙通信模块发送的所述交易指令携带的所述 非接触应用的标识信息， 确定所述非接触应用的账户余额信息；
所述智能终端根据所述非接触应用的账户余额信息， 以及所述交易指 令中携带的所述非接触应用的交易金额信息， 进行交易处理后生成所述蓝 牙通信模块接收的所述应答消息。
14、 根据权利要求 13所述的 NFC设备， 其特征在于，
所述蓝牙通信模块接收的所述应答消息携带有交易成功信息或交易失 败信息；
所述交易成功信息由所述智能终端判断所述非接触应用的账户余额信 息， 大于或者等于所述非接触应用的交易金额信息后生成；
所述交易失败信息由所述智能终端判断所述非接触应用的账户余额信 息， 小于所述非接触应用的交易金额信息后生成。
15、 根据权利要求 12至 14任一所述的 NFC设备， 其特征在于， 所述智能终端包括安全元件 SE, 所述 SE中存储有至少一个非接触应用 的标识信息和所述至少一个非接触应用的账户余额信息， 所述 SE集成在客 户识别模块 SIM卡、 用户识别模块 UIM卡、 安全数码卡 SD或者所述智能终 端的至少一个中；
当所述智能终端包括多个 SE时， 所述智能终端根据所述蓝牙通信模块 发送的所述交易指令携带的所述非接触应用的标识信息， 确定所述非接触 应用对应的 SE;
所述智能终端在所述 SE中， 根据所述交易指令携带的所述非接触应用 的标识信息， 确定所述非接触应用的账户余额信息；
所述智能终端根据所述非接触应用的账户余额信息， 以及所述交易指 令中携带的所述非接触应用的交易金额信息， 进行交易处理后生成所述蓝 牙通信模块接收的所述应答消息。
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