WO2016202108A1 - Nfc支付方法、nfc支付系统和移动终端 - Google Patents

Nfc支付方法、nfc支付系统和移动终端 Download PDF

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Publication number
WO2016202108A1
WO2016202108A1 PCT/CN2016/080834 CN2016080834W WO2016202108A1 WO 2016202108 A1 WO2016202108 A1 WO 2016202108A1 CN 2016080834 W CN2016080834 W CN 2016080834W WO 2016202108 A1 WO2016202108 A1 WO 2016202108A1
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WIPO (PCT)
Prior art keywords
location information
mobile terminal
geographic location
payment
stored
Prior art date
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Ceased
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PCT/CN2016/080834
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English (en)
French (fr)
Inventor
张子敬
张晴
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
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Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
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Publication of WO2016202108A1 publication Critical patent/WO2016202108A1/zh
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Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • the present invention relates to the field of terminal technologies, and in particular, to an NFC payment method, an NFC payment system, and a mobile terminal.
  • NFC Near Field Communication
  • SE Security Element
  • HCE Host-based card emulation
  • the chip module which is the core of the NFC card simulation, is used for secure storage of sensitive information and provides a secure execution environment for transaction transactions.
  • the SE also communicates with external read/write devices through the contactless communication front-end NFC chip.
  • the NFC chip forwards the commands received from the external reader to the SE, and then processes it by the SE and responds through the NFC controller to realize the security of the data storage and transaction process.
  • the SE can Integrated into SIM (Subscriber Identity Module) card, SD (Secure Digital Memory Card) Card) card or mobile phone chip.
  • SIM Subscriber Identity Module
  • SD Secure Digital Memory Card
  • the HCE host card mode does not need to provide the SE, but the function of the SE is completed by an application running in the mobile phone or the server of the cloud.
  • the data received by the NFC chip is sent by the operating system or to the application in the mobile phone or by moving.
  • the network sends the server to the cloud to complete the interaction.
  • the two methods are characterized by bypassing the limitations of the built-in SE of the mobile phone.
  • the invention is based on the above problems, and proposes a new technical solution, which avoids the risk of the user sensitive information being maliciously copied or forged in the transaction, and improves the payment security, thereby improving the user experience. .
  • an aspect of the present invention provides an NFC payment method for a mobile terminal, including: determining whether a discovery request from a payment accepting device is received; and when the determination result is yes, acquiring the payment receiving device Determining whether the first current geographical location information belongs to the same area as the pre-stored geographical location information of the mobile terminal; when the determination is yes, completing the NFC payment; otherwise, terminating the payment.
  • the first current geographic location information of the payment receiving device needs to be acquired, and compared with the pre-stored geographical location information of the mobile terminal, if If the two belong to the same area, the control completes the NFC payment. Otherwise, the payment is terminated. In this way, the payment activity is guaranteed within the user's control range, and the user's sensitive information is maliciously copied or forged in the transaction after the transaction is avoided. Risks increase payment security and enhance the user experience.
  • the method before determining whether the discovery request is received, the method further includes: detecting whether a notification that the geographic location information of the mobile terminal changes is received; and when detecting, acquiring the mobile terminal Second current geographic location information; storing the second current geographic location information as the pre-stored geographic location information.
  • the location of the mobile terminal is likely to change at any time, so firstly, it is detected whether the notification of the change of the geographical location information of the mobile terminal is received, and if the geographical location information of the mobile terminal changes, the mobile terminal is acquired again.
  • Current location information of the terminal That is, the second current geographical location information is stored as pre-stored geographical location information, thereby realizing real-time updating of the pre-stored geographical location information, avoiding misjudgment, greatly improving the security of the payment activity, thereby improving the user experience. .
  • the storing, by the second current geographic location information, the second pre-stored geographical location information the method further includes: performing encryption processing on the second current geographic location information;
  • the processed second current geographic location information is stored to a security module of the mobile terminal.
  • the second current geographical location information is encrypted, and then stored to the security module of the mobile terminal as pre-stored geographical location information, so that the encrypted second current geographical location information fully guarantees the payment. Security to enhance the user experience.
  • the detection is continued, and thus, the pre-stored geographical location information is updated in real time to provide favorable protection.
  • the second current geographic location information of the mobile terminal is obtained by using a mobile data network or a wireless network.
  • the second current geographic location information of the mobile terminal is obtained through a mobile data network or a wireless network.
  • a mobile data network or a wireless network.
  • suitable networks may also be selected, so that the payment system is more compatible and more flexible.
  • Obtaining the geographic location information of the mobile terminal provides a variety of feasible solutions.
  • the first current geographic location information of the payment receiving device needs to be acquired, and is connected to the mobile terminal.
  • the pre-stored geographical location information is matched and matched. If it is determined that the two belong to the same area, the control completes the NFC payment, otherwise, the payment is terminated, thus ensuring that the payment activity is within the control range of the user, and avoiding the sensitive information of the user in the transaction.
  • the risk of being paid off-site after being maliciously copied or forged increases the security of the payment, thereby improving the user experience.
  • the method further includes: a detecting module, configured to: before determining whether the discovery request is received, detecting whether a notification that the geographic location information of the mobile terminal is changed; and a positioning module, And acquiring, by the second current geographic location information of the mobile terminal, a storage module, configured to store the second current geographic location information as the pre-stored geographical location information.
  • the location of the mobile terminal is likely to change at any time, so firstly, it is detected whether the notification of the change of the geographical location information of the mobile terminal is received, and if the geographical location information of the mobile terminal changes, the mobile terminal is acquired again.
  • the current geographical location information of the terminal that is, the second current geographical location information, is stored as pre-stored geographical location information, thereby realizing real-time updating of the pre-stored geographical location information, avoiding misjudgment, and greatly improving the payment activity. Security to enhance the user experience.
  • the storage module is specifically configured to: perform encryption processing on the second current geographic location information; and store the second current geographic location information that is subjected to the encryption process to the mobile The security module of the terminal.
  • the second current geographical location information is encrypted, and then stored to the security module of the mobile terminal as pre-stored geographical location information, so that the encrypted second current geographical location information fully guarantees the payment. Security to enhance the user experience.
  • the detecting module is further configured to: when not detected, detect again whether a notification that the geographical location information of the mobile terminal changes is received.
  • the detection is continued, and thus, the pre-stored geographical location information is updated in real time to provide favorable protection.
  • the second current geographic location information of the mobile terminal is obtained by using a mobile data network or a wireless network.
  • the preferred option is to obtain the mobile through a mobile data network or a wireless network.
  • the second current geographical location information of the terminal may also be selected, so that the payment system is more compatible and flexible, and provides various feasible solutions for obtaining the geographical location information of the mobile terminal.
  • a further aspect of the present invention provides a mobile terminal comprising a processor and a memory, wherein the memory stores a set of program codes, and the processor is configured to call program code stored in the memory for execution
  • the pre-stored geographical location information of the terminal belongs to the same area; when the determination is yes, the NFC payment is completed, otherwise, the payment is terminated.
  • the first current geographic location information of the payment receiving device needs to be acquired, and compared with the pre-stored geographical location information of the mobile terminal, if If the two belong to the same area, the control completes the NFC payment. Otherwise, the payment is terminated. In this way, the payment activity is guaranteed within the user's control range, and the user's sensitive information is maliciously copied or forged in the transaction after the transaction is avoided. Risks increase payment security and enhance the user experience.
  • the processor further performs: detecting, before receiving the discovery request, whether to receive a notification that the geographic location information of the mobile terminal changes; and when detecting, acquiring The second current geographic location information of the mobile terminal; storing the second current geographic location information as the pre-stored geographical location information.
  • the location of the mobile terminal is likely to change at any time, so firstly, it is detected whether the notification of the change of the geographical location information of the mobile terminal is received, and if the geographical location information of the mobile terminal changes, the mobile terminal is acquired again.
  • the current geographical location information of the terminal that is, the second current geographical location information, is stored as pre-stored geographical location information, thereby realizing real-time updating of the pre-stored geographical location information, avoiding misjudgment, and greatly improving the payment activity. Security to enhance the user experience.
  • the specific step of the processor storing the second current geographic location information as the pre-stored geographical location information is: performing encryption processing on the second current geographic location information;
  • the second current geographic location information subjected to the encryption process is stored to a security module of the mobile terminal.
  • the second current geographical location information is encrypted, and then stored to the security module of the mobile terminal as pre-stored geographical location information, so that the encrypted second current geographical location information fully guarantees the payment. Security to enhance the user experience.
  • the processor further performs: detecting, when not detected, whether a notification of the change of the geographical location information of the mobile terminal is received.
  • the detection is continued, and thus, the pre-stored geographical location information is updated in real time to provide favorable protection.
  • the processor further performs: acquiring the second current geographic location information of the mobile terminal by using a mobile data network or a wireless network.
  • the second current geographic location information of the mobile terminal is obtained through a mobile data network or a wireless network.
  • a mobile data network or a wireless network.
  • suitable networks may also be selected, so that the payment system is more compatible and more flexible.
  • Obtaining the geographic location information of the mobile terminal provides a variety of feasible solutions.
  • the technical solution of the invention avoids the risk of the user sensitive information being maliciously copied or forged in the transaction, and the payment security is improved, thereby improving the user experience.
  • FIG. 1 is a flow chart showing an NFC payment method according to an embodiment of the present invention.
  • FIG. 2 shows a block diagram of an NFC payment system in accordance with one embodiment of the present invention
  • FIG. 3 shows a block diagram of a mobile terminal in accordance with one embodiment of the present invention
  • FIG. 4 is a schematic flowchart showing a geographic location information update of a mobile terminal according to an embodiment of the present invention
  • FIG. 5 is a schematic flowchart diagram of an NFC payment method according to another embodiment of the present invention.
  • FIG. 6 shows a block diagram of a mobile terminal in accordance with another embodiment of the present invention.
  • FIG. 1 shows a flow chart of an NFC payment method according to an embodiment of the present invention.
  • an NFC payment method is used in a mobile terminal, including: Step 102, determining whether a discovery request from a payment accepting device is received; Step 104, when the determination result is yes, acquiring The first current geographic location information of the payment receiving device; step 106, determining whether the first current geographic location information belongs to the same region as the pre-stored geographical location information of the mobile terminal; and step 108, when the determination is yes, Complete the NFC payment, otherwise, terminate the payment.
  • the first current geographic location information of the payment receiving device needs to be acquired, and compared with the pre-stored geographical location information of the mobile terminal, if If the two belong to the same area, the control completes the NFC payment. Otherwise, the payment is terminated. In this way, the payment activity is guaranteed within the user's control range, and the user's sensitive information is maliciously copied or forged in the transaction after the transaction is avoided. Risks increase payment security and enhance the user experience.
  • the method further includes: detecting whether a notification that the geographic location information of the mobile terminal changes is received; and detecting, acquiring the second current current of the mobile terminal Geographical location information; storing the second current geographic location information as the pre-stored geographic location information.
  • the location of the mobile terminal is likely to change at any time, so firstly, it is detected whether the notification of the change of the geographical location information of the mobile terminal is received, and if the geographical location information of the mobile terminal changes, the mobile terminal is acquired again.
  • the current geographical location information of the terminal that is, the second current geographical location information, is stored as pre-stored geographical location information, thereby realizing real-time updating of the pre-stored geographical location information, avoiding misjudgment, and greatly improving the payment activity. Security to enhance the user experience.
  • the storing, by the second current geographic location information, the pre-stored geographical location information specifically: the second current geographic location information Performing an encryption process; storing the second current geographic location information subjected to the encryption process to a security module of the mobile terminal.
  • the second current geographical location information is encrypted, and then stored to the security module of the mobile terminal as pre-stored geographical location information, so that the encrypted second current geographical location information fully guarantees the payment. Security to enhance the user experience.
  • the detection is continued, and thus, the pre-stored geographical location information is updated in real time to provide favorable protection.
  • the second current geographic location information of the mobile terminal is obtained by using a mobile data network or a wireless network.
  • the second current geographic location information of the mobile terminal is obtained through a mobile data network or a wireless network.
  • a mobile data network or a wireless network.
  • suitable networks may also be selected, so that the payment system is more compatible and more flexible.
  • Obtaining the geographic location information of the mobile terminal provides a variety of feasible solutions.
  • FIG. 2 shows a block diagram of an NFC payment system in accordance with one embodiment of the present invention.
  • the NFC payment system 200 of an embodiment of the present invention is used for a mobile terminal, and includes: a first determining module 202, configured to determine whether a discovery request from a payment accepting device is received; and an obtaining module 204, When the determination result is yes, the first current geographic location information of the payment receiving device is obtained; and the second determining module 206 is configured to determine whether the first current geographic location information and the pre-stored geographic location of the mobile terminal The location information belongs to the same area; the control module 208 is configured to, when the determination is yes, control to complete the NFC payment, otherwise, control terminates the payment.
  • the first current geographic location information of the payment receiving device needs to be acquired, and compared with the pre-stored geographical location information of the mobile terminal, if If the two belong to the same area, the control completes the NFC payment. Otherwise, the payment is terminated. In this way, the payment activity is guaranteed within the user's control range, and the user's sensitive information is maliciously copied or forged in the transaction after the transaction is avoided. Wind Risks increase payment security and enhance the user experience.
  • the method further includes: a detecting module 210, configured to: before determining whether the discovery request is received, detecting whether a notification that the geographic location information of the mobile terminal changes is received; and the positioning module 212 For detecting the second current geographic location information of the mobile terminal, the storage module 214 is configured to store the second current geographic location information as the pre-stored geographical location information.
  • the location of the mobile terminal is likely to change at any time, so firstly, it is detected whether the notification of the change of the geographical location information of the mobile terminal is received, and if the geographical location information of the mobile terminal changes, the mobile terminal is acquired again.
  • the current geographical location information of the terminal that is, the second current geographical location information, is stored as pre-stored geographical location information, thereby realizing real-time updating of the pre-stored geographical location information, avoiding misjudgment, and greatly improving the payment activity. Security to enhance the user experience.
  • the storage module 214 is specifically configured to: perform encryption processing on the second current geographic location information; and store the second current geographic location information that is subjected to the encryption process to the The security module of the mobile terminal.
  • the second current geographical location information is encrypted, and then stored to the security module of the mobile terminal as pre-stored geographical location information, so that the encrypted second current geographical location information fully guarantees the payment. Security to enhance the user experience.
  • the detecting module 210 is further configured to: when not detected, detect again whether a notification that the geographical location information of the mobile terminal changes is received.
  • the detection is continued, and thus, the pre-stored geographical location information is updated in real time to provide favorable protection.
  • the second current geographic location information of the mobile terminal is obtained by using a mobile data network or a wireless network.
  • the second current geographic location information of the mobile terminal is obtained through a mobile data network or a wireless network.
  • a mobile data network or a wireless network.
  • other suitable networks may also be selected, so that the payment system is more compatible and more flexible. Get the location information of the mobile terminal provided A variety of feasible options.
  • FIG. 3 shows a block diagram of a mobile terminal in accordance with one embodiment of the present invention.
  • a mobile terminal 300 includes the NFC payment system 200 according to any one of the above technical solutions.
  • the mobile terminal 300 includes the NFC payment system 200 according to any one of the above technical solutions, and thus has all the beneficial effects of the NFC payment system 200 described in any one of the above technical solutions, and is no longer here. Narration.
  • FIG. 4 is a flow chart showing the updating of the geographic location information of the mobile terminal according to an embodiment of the present invention.
  • FIG. 5 is a flow chart showing an NFC payment method according to another embodiment of the present invention.
  • the technical solution of the present invention mainly includes two processes of current geographic location information update and transaction payment authentication of a mobile terminal, which are respectively described as follows:
  • the current geographic location information update process of the mobile terminal includes:
  • Step 402 Detect whether a notification that the geographic location information of the mobile terminal has changed is received, and if yes, proceed to step 404, otherwise proceed to step 406.
  • Step 404 The mobile terminal acquires, by using a mobile network or a wireless network, geographic location information (ie, second current geographic location information) that the mobile terminal is currently located.
  • geographic location information ie, second current geographic location information
  • Step 406 If it is not detected that the notification that the geographical location information of the mobile terminal changes, the detection is continued.
  • Step 408 the geographic location information is then written to the entity or virtual SE (security module) (ie, stored as pre-stored geographic location information) for subsequent payment procedures.
  • entity or virtual SE security module
  • the acquisition of the geographical location information may be an active reporting by the network, or may be an active inquiry by the terminal;
  • the SE module in the traditional SE solution and the virtual SE refers to the software that implements the SE function in the HCE host card simulation solution, which may be a host APP application or a cloud server;
  • the writing of geographical location information must be written to the entity or virtual SE.
  • the software can be used. Usually, the terminal will complete the card issuance and data personalization through the software. It has a strict authentication login process.
  • the transaction payment authentication process includes:
  • Step 502 Determine whether a discovery request from the payment accepting device is received, if yes, proceed to step 504, otherwise, terminate the payment.
  • a user conducts an NFC payment transaction using a mobile phone, he or she receives a request for discovery of an external receiving device.
  • Step 504 Acquire first geographic location information of the payment accepting device.
  • Step 506 Determine whether the first current geographic location information of the payment receiving device is compared with the geographic location (ie, pre-stored geographical location information) of the terminal currently stored in the entity or the virtual SE, and determine whether it belongs to the same area. If yes, go to step 508. Otherwise, proceed to step 510.
  • the geographic location ie, pre-stored geographical location information
  • Step 508 if the two belong to the same area, continue the transaction.
  • Step 510 if the two do not belong to the same area, terminate the transaction.
  • the terminal usually uses the software to complete the card issuance, data personalization, etc.
  • the authentication login process, and the geographical location information is encrypted and stored in the entity or the virtual SE, and the external information cannot be obtained.
  • the pseudo-card of the malicious user cannot tamper with the encrypted information in the user SE, so that the pseudo-card consumption of the remote card is terminated.
  • the mobile terminal 7 may include: at least one processor 71, such as a CPU, at least one communication bus 72, and a memory 73;
  • the communication bus 72 is used to implement connection communication between these components;
  • the memory 73 may be a high speed RAM memory or a non-volatile memory such as at least one disk memory.
  • a set of program codes is stored in the memory 73, and the processor 71 is configured to call the program code stored in the memory 73 for performing the following operations:
  • the first current geographic location information of the payment receiving device needs to be acquired, and compared with the pre-stored geographical location information of the mobile terminal, if If the two belong to the same area, the control completes the NFC payment. Otherwise, the payment is terminated. In this way, the payment activity is guaranteed within the user's control range, and the user's sensitive information is maliciously copied or forged in the transaction after the transaction is avoided. Risks increase payment security and enhance the user experience.
  • the processor 71 further performs: before determining whether the discovery request is received:
  • the second current geographic location information is stored as the pre-stored geographic location information.
  • the location of the mobile terminal is likely to change at any time, so firstly, it is detected whether the notification of the change of the geographical location information of the mobile terminal is received, and if the geographical location information of the mobile terminal changes, the mobile terminal is acquired again.
  • the current geographical location information of the terminal that is, the second current geographical location information, is stored as pre-stored geographical location information, thereby realizing real-time updating of the pre-stored geographical location information, avoiding misjudgment, and greatly improving the payment activity. Security to enhance the user experience.
  • the specific step of the processor 71 storing the second current geographical location information as the pre-stored geographical location information is:
  • the second current geographic location information subjected to the encryption process is stored to a security module of the mobile terminal.
  • the second current geographical location information is encrypted, and then stored to the security module of the mobile terminal as pre-stored geographical location information, so that the encrypted second current geographical location information fully guarantees the payment. Security to enhance the user experience.
  • the processor 71 further performs:
  • the detection is continued, and thus, the pre-stored geographical location information is updated in real time to provide favorable protection.
  • the processor 71 further performs:
  • the second current geographic location information of the mobile terminal is obtained through a mobile data network or a wireless network.
  • the second current geographic location information of the mobile terminal is obtained through a mobile data network or a wireless network.
  • a mobile data network or a wireless network.
  • suitable networks may also be selected, so that the payment system is more compatible and more flexible.
  • Obtaining the geographic location information of the mobile terminal provides a variety of feasible solutions.
  • the technical solution of the invention avoids the risk of the user sensitive information being maliciously copied or forged in the transaction, and the payment security is improved, thereby improving the user experience.

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Abstract

本发明提出了一种NFC支付方法、NFC支付系统和一种移动终端，其中，所述NFC支付方法包括：判断是否接收到来自支付受理设备的发现请求；在判断结果为是时，获取所述支付受理设备的第一当前地理位置信息；判断所述第一当前地理位置信息是否与所述移动终端的预存储地理位置信息属于同一区域；当判定为是时，完成NFC支付，否则，终止支付。通过本发明的技术方案，避免了在交易中，用户敏感信息被恶意复制或伪造后在异地进行支付的风险，提高了支付安全性，从而提升了用户体验。

Description

NFC支付方法、NFC支付系统和移动终端
本申请要求于2015年6月19日提交中国专利局，申请号为201510346562.6、发明名称为“NFC支付方法、NFC支付系统和移动终端”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及终端技术领域，具体而言，涉及一种NFC支付方法、一种NFC支付系统和一种移动终端。
背景技术
目前，在一部配备NFC(Near Field Communication，近场通信)功能的手机上实现卡模拟，有两种方案：一种是基于硬件的传统SE(Security Element，安全模块)方案；一种是基于软件的HCE(host-based card emulation，基于主机的卡模拟)主机卡模式，其中，传统SE方案需要提供安全模块SE，SE是主要用于存储NFC应用和用户敏感数据以及实现安全密钥运算的芯片模块，它是NFC卡模拟的核心，用于对敏感信息进行安全存储以及为交易事务提供一个安全的执行环境，SE还通过非接触通讯前端NFC芯片与外部读写设备进行通信，具体地，NFC芯片作为非接触通讯前端，将从外部读写器接收到的命令转发到SE，然后由SE处理，并通过NFC控制器回复，实现数据存储及交易过程的安全性，实际应用中，SE可以集成到SIM(Subscriber Identity Module，客户识别模块)卡、SD(Secure Digital Memory Card，安全数码卡)卡或手机芯片中。而HCE主机卡模式不需要提供SE，而是由在手机中运行的一个应用或云端的服务器完成SE的功能，此时NFC芯片接收到的数据由操作系统或发送至手机中的应用或通过移动网络发送至云端的服务器来完成交互，两种方式的特点都是绕过了手机内置的SE的限制。
但是，现有NFC支付方式仍存在各种各样的安全风险，尤其是HCE主机卡模拟的方式，其提供了一种安全性稍差但是部署起来非常方便的NFC服务解决方案。当恶意用户通过种种手段获取各种存储于应用中的信息，就有可能带来致命的问题，比如恶意用户可以使用这些敏感数据去完成一些伪卡的交易 等，安全性遭到极大的威胁。
典型的会有如下的情况，当我们在完成一笔交易后不久，由于种种原因导致我们的敏感数据被复制、被伪造，之后恶意用户在其他很远地方又进行交易。即一次支付在某地完成后很快又在很远的其他地方进行。
因此，如何避免在交易中，用户敏感信息被恶意复制或伪造后在异地进行支付的风险，从而提高支付安全性成为亟待解决的技术问题。
发明内容
本发明正是基于上述问题，提出了一种新的技术方案，避免了在交易中，用户敏感信息被恶意复制或伪造后在异地进行支付的风险，提高了支付安全性，从而提升了用户体验。
有鉴于此，本发明的一方面提出了一种NFC支付方法，用于移动终端，包括：判断是否接收到来自支付受理设备的发现请求；在判断结果为是时，获取所述支付受理设备的第一当前地理位置信息；判断所述第一当前地理位置信息是否与所述移动终端的预存储地理位置信息属于同一区域；当判定为是时，完成NFC支付，否则，终止支付。
在该技术方案中，如果判定接收到了来自支付受理设备的发现请求，则需要获取支付受理设备的第一当前地理位置信息，并将其与移动终端的预存储地理位置信息对比匹配，如果，判定两者属于同一区域，则控制完成NFC支付，否则，终止支付，如此，保证了支付活动在用户的控制范围内，避免了在交易中，用户敏感信息被恶意复制或伪造后在异地进行支付的风险，提高了支付安全性，从而提升了用户体验。
在上述技术方案中，优选地，在判断是否接收到所述发现请求之前，还包括：检测是否接收到所述移动终端的地理位置信息发生变化的通知；在检测到时，获取所述移动终端的第二当前地理位置信息；将所述第二当前地理位置信息作为所述预存储地理位置信息进行存储。
在该技术方案中，移动终端的位置很可能是随时变动的，所以首先要检测是否接收到移动终端的地理位置信息发生变化的通知，如果移动终端的地理位置信息发生变化，就要再次获取移动终端的当前地理位置信息， 即第二当前地理位置信息，并将其作为预存储地理位置信息存储起来，如此，实现对预存储地理位置信息的实时更新，避免误判，大大提高了支付活动的安全性，从而提升用户体验。
在上述技术方案中，优选地，将所述第二当前地理位置信息作为所述预存储地理位置信息进行存储，具体包括：对所述第二当前地理位置信息进行加密处理；将经过所述加密处理的所述第二当前地理位置信息存储至所述移动终端的安全模块。
在该技术方案中，通过对第二当前地理位置信息进行加密处理，然后将其存储至移动终端的安全模块作为预存储地理位置信息，如此经过加密的第二当前地理位置信息充分保证了支付的安全性，从而提升用户体验。
在上述技术方案中，优选地，在未检测到时，再次检测是否接收到所述移动终端的所述地理位置信息发生变化的通知。
在该技术方案中，如果没有检测到接收到移动终端的地理位置信息发生变化的通知，则继续进行检测，如此，为预存储地理位置信息实时更新提供有利保障。
在上述技术方案中，优选地，通过移动数据网络或无线网络获取所述移动终端的所述第二当前地理位置信息。
在该技术方案中，优选的选用通过移动数据网络或无线网络获取移动终端的第二当前地理位置信息，当然也可以选用其他合适的网络，如此，使支付系统兼容性更强、更灵活，为获取移动终端的地理位置信息提供了多种可行方案。
本发明的另一方面提出了一种NFC支付系统，用于移动终端，包括：第一判断模块，用于判断是否接收到来自支付受理设备的发现请求；获取模块，用于在判断结果为是时，获取所述支付受理设备的第一当前地理位置信息；以及第二判断模块，用于判断所述第一当前地理位置信息是否与所述移动终端的预存储地理位置信息属于同一区域；控制模块，用于当判定为是时，控制完成NFC支付，否则，控制终止支付。
在该技术方案中，如果判定接收到了来自支付受理设备的发现请求，则需要获取支付受理设备的第一当前地理位置信息，并将其与移动终端的 预存储地理位置信息对比匹配，如果，判定两者属于同一区域，则控制完成NFC支付，否则，终止支付，如此，保证了支付活动在用户的控制范围内，避免了在交易中，用户敏感信息被恶意复制或伪造后在异地进行支付的风险，提高了支付安全性，从而提升了用户体验。
在上述技术方案中，优选地，还包括：检测模块，用于在判断是否接收到所述发现请求之前，检测是否接收到所述移动终端的地理位置信息发生变化的通知；以及定位模块，用于在检测到时，获取所述移动终端的第二当前地理位置信息；存储模块，用于将所述第二当前地理位置信息作为所述预存储地理位置信息进行存储。
在该技术方案中，移动终端的位置很可能是随时变动的，所以首先要检测是否接收到移动终端的地理位置信息发生变化的通知，如果移动终端的地理位置信息发生变化，就要再次获取移动终端的当前地理位置信息，即第二当前地理位置信息，并将其作为预存储地理位置信息存储起来，如此，实现对预存储地理位置信息的实时更新，避免误判，大大提高了支付活动的安全性，从而提升用户体验。
在上述技术方案中，优选地，所述存储模块具体用于：对所述第二当前地理位置信息进行加密处理；将经过所述加密处理的所述第二当前地理位置信息存储至所述移动终端的安全模块。
在该技术方案中，通过对第二当前地理位置信息进行加密处理，然后将其存储至移动终端的安全模块作为预存储地理位置信息，如此经过加密的第二当前地理位置信息充分保证了支付的安全性，从而提升用户体验。
在上述技术方案中，优选地，所述检测模块还用于：在未检测到时，再次检测是否接收到所述移动终端的所述地理位置信息发生变化的通知。
在该技术方案中，如果没有检测到接收到移动终端的地理位置信息发生变化的通知，则继续进行检测，如此，为预存储地理位置信息实时更新提供有利保障。
在上述技术方案中，优选地，通过移动数据网络或无线网络获取所述移动终端的所述第二当前地理位置信息。
在该技术方案中，优选的选用通过移动数据网络或无线网络获取移动 终端的第二当前地理位置信息，当然也可以选用其他合适的网络，如此，使支付系统兼容性更强、更灵活，为获取移动终端的地理位置信息提供了多种可行方案。
本发明的再一方面提出了一种移动终端，包括处理器和存储器，其中，所述存储器中存储一组程序代码，且所述处理器用于调用所述存储器中存储的程序代码，用于执行以下操作：判断是否接收到来自支付受理设备的发现请求；在判断结果为是时，获取所述支付受理设备的第一当前地理位置信息；判断所述第一当前地理位置信息是否与所述移动终端的预存储地理位置信息属于同一区域；当判定为是时，完成NFC支付，否则，终止支付。
在该技术方案中，如果判定接收到了来自支付受理设备的发现请求，则需要获取支付受理设备的第一当前地理位置信息，并将其与移动终端的预存储地理位置信息对比匹配，如果，判定两者属于同一区域，则控制完成NFC支付，否则，终止支付，如此，保证了支付活动在用户的控制范围内，避免了在交易中，用户敏感信息被恶意复制或伪造后在异地进行支付的风险，提高了支付安全性，从而提升了用户体验。
在上述技术方案中，优选地，所述处理器在判断是否接收到所述发现请求之前，还执行：检测是否接收到所述移动终端的地理位置信息发生变化的通知；在检测到时，获取所述移动终端的第二当前地理位置信息；将所述第二当前地理位置信息作为所述预存储地理位置信息进行存储。
在该技术方案中，移动终端的位置很可能是随时变动的，所以首先要检测是否接收到移动终端的地理位置信息发生变化的通知，如果移动终端的地理位置信息发生变化，就要再次获取移动终端的当前地理位置信息，即第二当前地理位置信息，并将其作为预存储地理位置信息存储起来，如此，实现对预存储地理位置信息的实时更新，避免误判，大大提高了支付活动的安全性，从而提升用户体验。
在上述技术方案中，优选地，所述处理器将所述第二当前地理位置信息作为所述预存储地理位置信息进行存储的具体步骤为：对所述第二当前地理位置信息进行加密处理；将经过所述加密处理的所述第二当前地理位置信息存储至所述移动终端的安全模块。
在该技术方案中，通过对第二当前地理位置信息进行加密处理，然后将其存储至移动终端的安全模块作为预存储地理位置信息，如此经过加密的第二当前地理位置信息充分保证了支付的安全性，从而提升用户体验。
在上述技术方案中，优选地，所述处理器还执行：在未检测到时，再次检测是否接收到所述移动终端的所述地理位置信息发生变化的通知。
在该技术方案中，如果没有检测到接收到移动终端的地理位置信息发生变化的通知，则继续进行检测，如此，为预存储地理位置信息实时更新提供有利保障。
在上述技术方案中，优选地，所述处理器还执行：通过移动数据网络或无线网络获取所述移动终端的所述第二当前地理位置信息。
在该技术方案中，优选的选用通过移动数据网络或无线网络获取移动终端的第二当前地理位置信息，当然也可以选用其他合适的网络，如此，使支付系统兼容性更强、更灵活，为获取移动终端的地理位置信息提供了多种可行方案。
通过本发明的技术方案，避免了在交易中，用户敏感信息被恶意复制或伪造后在异地进行支付的风险，提高了支付安全性，从而提升了用户体验。
附图说明
图1示出了根据本发明的一个实施例的NFC支付方法的流程示意图；
图2示出了根据本发明的一个实施例的NFC支付系统的框图；
图3示出了根据本发明的一个实施例的移动终端的框图；
图4示出了根据本发明的一个实施例的移动终端地理位置信息更新的流程示意图；
图5示出了根据本发明的另一个实施例的NFC支付方法的流程示意图；
图6示出了根据本发明的另一个实施例的移动终端的框图。
具体实施方式
为了可以更清楚地理解本发明的上述目的、特征和优点，下面结合附图和具体实施方式对本发明进行进一步的详细描述。需要说明的是，在不 冲突的情况下，本申请的实施例及实施例中的特征可以相互组合。
在下面的描述中阐述了很多具体细节以便于充分理解本发明，但是，本发明还可以采用其他不同于在此描述的其他方式来实施，因此，本发明的保护范围并不受下面公开的具体实施例的限制。
图1示出了根据本发明的一个实施例的NFC支付方法的流程示意图。
如图1所示，本发明的一个实施例的NFC支付方法，用于移动终端，包括：步骤102，判断是否接收到来自支付受理设备的发现请求；步骤104，在判断结果为是时，获取所述支付受理设备的第一当前地理位置信息；步骤106，判断所述第一当前地理位置信息是否与所述移动终端的预存储地理位置信息属于同一区域；步骤108，当判定为是时，完成NFC支付，否则，终止支付。
在该技术方案中，如果判定接收到了来自支付受理设备的发现请求，则需要获取支付受理设备的第一当前地理位置信息，并将其与移动终端的预存储地理位置信息对比匹配，如果，判定两者属于同一区域，则控制完成NFC支付，否则，终止支付，如此，保证了支付活动在用户的控制范围内，避免了在交易中，用户敏感信息被恶意复制或伪造后在异地进行支付的风险，提高了支付安全性，从而提升了用户体验。
在上述技术方案中，优选地，在所述步骤102之前，还包括：检测是否接收到所述移动终端的地理位置信息发生变化的通知；在检测到时，获取所述移动终端的第二当前地理位置信息；将所述第二当前地理位置信息作为所述预存储地理位置信息进行存储。
在该技术方案中，移动终端的位置很可能是随时变动的，所以首先要检测是否接收到移动终端的地理位置信息发生变化的通知，如果移动终端的地理位置信息发生变化，就要再次获取移动终端的当前地理位置信息，即第二当前地理位置信息，并将其作为预存储地理位置信息存储起来，如此，实现对预存储地理位置信息的实时更新，避免误判，大大提高了支付活动的安全性，从而提升用户体验。
在上述技术方案中，优选地，将所述第二当前地理位置信息作为所述预存储地理位置信息进行存储，具体包括：对所述第二当前地理位置信息 进行加密处理；将经过所述加密处理的所述第二当前地理位置信息存储至所述移动终端的安全模块。
在该技术方案中，通过对第二当前地理位置信息进行加密处理，然后将其存储至移动终端的安全模块作为预存储地理位置信息，如此经过加密的第二当前地理位置信息充分保证了支付的安全性，从而提升用户体验。
在上述技术方案中，优选地，在未检测到时，再次检测是否接收到所述移动终端的所述地理位置信息发生变化的通知。
在该技术方案中，如果没有检测到接收到移动终端的地理位置信息发生变化的通知，则继续进行检测，如此，为预存储地理位置信息实时更新提供有利保障。
在上述技术方案中，优选地，通过移动数据网络或无线网络获取所述移动终端的所述第二当前地理位置信息。
在该技术方案中，优选的选用通过移动数据网络或无线网络获取移动终端的第二当前地理位置信息，当然也可以选用其他合适的网络，如此，使支付系统兼容性更强、更灵活，为获取移动终端的地理位置信息提供了多种可行方案。
图2示出了根据本发明的一个实施例的NFC支付系统的框图。
如图2所示，本发明的一个实施例的NFC支付系统200，用于移动终端，包括：第一判断模块202，用于判断是否接收到来自支付受理设备的发现请求；获取模块204，用于在判断结果为是时，获取所述支付受理设备的第一当前地理位置信息；以及第二判断模块206，用于判断所述第一当前地理位置信息是否与所述移动终端的预存储地理位置信息属于同一区域；控制模块208，用于当判定为是时，控制完成NFC支付，否则，控制终止支付。
在该技术方案中，如果判定接收到了来自支付受理设备的发现请求，则需要获取支付受理设备的第一当前地理位置信息，并将其与移动终端的预存储地理位置信息对比匹配，如果，判定两者属于同一区域，则控制完成NFC支付，否则，终止支付，如此，保证了支付活动在用户的控制范围内，避免了在交易中，用户敏感信息被恶意复制或伪造后在异地进行支付的风 险，提高了支付安全性，从而提升了用户体验。
在上述技术方案中，优选地，还包括：检测模块210，用于在判断是否接收到所述发现请求之前，检测是否接收到所述移动终端的地理位置信息发生变化的通知；以及定位模块212，用于在检测到时，获取所述移动终端的第二当前地理位置信息；存储模块214，用于将所述第二当前地理位置信息作为所述预存储地理位置信息进行存储。
在该技术方案中，移动终端的位置很可能是随时变动的，所以首先要检测是否接收到移动终端的地理位置信息发生变化的通知，如果移动终端的地理位置信息发生变化，就要再次获取移动终端的当前地理位置信息，即第二当前地理位置信息，并将其作为预存储地理位置信息存储起来，如此，实现对预存储地理位置信息的实时更新，避免误判，大大提高了支付活动的安全性，从而提升用户体验。
在上述技术方案中，优选地，所述存储模块214具体用于：对所述第二当前地理位置信息进行加密处理；将经过所述加密处理的所述第二当前地理位置信息存储至所述移动终端的安全模块。
在该技术方案中，通过对第二当前地理位置信息进行加密处理，然后将其存储至移动终端的安全模块作为预存储地理位置信息，如此经过加密的第二当前地理位置信息充分保证了支付的安全性，从而提升用户体验。
在上述技术方案中，优选地，所述检测模块210还用于：在未检测到时，再次检测是否接收到所述移动终端的所述地理位置信息发生变化的通知。
在该技术方案中，如果没有检测到接收到移动终端的地理位置信息发生变化的通知，则继续进行检测，如此，为预存储地理位置信息实时更新提供有利保障。
在上述技术方案中，优选地，通过移动数据网络或无线网络获取所述移动终端的所述第二当前地理位置信息。
在该技术方案中，优选的选用通过移动数据网络或无线网络获取移动终端的第二当前地理位置信息，当然也可以选用其他合适的网络，如此，使支付系统兼容性更强、更灵活，为获取移动终端的地理位置信息提供了 多种可行方案。
图3示出了根据本发明的一个实施例的移动终端的框图。
如图3所示，本发明的一个实施例的移动终端300，包括如上述技术方案中任一项所述的NFC支付系统200。
在该技术方案中，移动终端300包括如上述技术方案中任一项所述的NFC支付系统200，因此具有上述技术方案中任一项所述的NFC支付系统200的所有有益效果，这里不再赘述。
下面结合图4和图5详细说明本发明的技术方案：
图4示出了根据本发明的一个实施例的移动终端地理位置信息更新的流程示意图。
图5示出了根据本发明的另一个实施例的NFC支付方法的流程示意图。
本发明的技术方案主要包括移动终端的当前地理位置信息更新和交易支付鉴别两个过程，分别描述如下：
如图4所示，移动终端的当前地理位置信息更新过程，包括：
步骤402，检测是否接收到所述移动终端的地理位置信息发生变化的通知，如果是，进入步骤404，否则进入步骤406。
步骤404，移动终端通过移动网络或无线网络获取移动终端当前所处的地理位置信息(即第二当前地理位置信息)。
步骤406，如果没有检测到接收到所述移动终端的地理位置信息发生变化的通知，则继续检测。
步骤408，然后将该地理位置信息写入到实体或虚拟SE(安全模块)中(即存储为预存储地理位置信息)用于后续的支付过程。
这里需要解释如下三个问题：
(1)对于地理位置信息的获取可以是网络的主动上报，也可以是终端主动查询；
(2)对于实体SE是指传统SE方案中的SE模块，而虚拟SE是指HCE主机卡模拟方案中实现SE功能的软件，可以是主机APP应用，也可以是云端服务器；
(3)对于地理位置信息的写入必须是对实体或虚拟SE具有写入权限的 软件才可以，通常终端会通过这些软件来完成卡片的发卡、数据的个人化等业务，其有一套严格的认证登录过程。
如图5所示，交易支付鉴别过程，包括：
步骤502，判断是否接收到来自支付受理设备的发现请求，如果是进入步骤504，否则，终止支付。用户使用手机进行NFC支付交易时会收到外部受理设备的发现请求。
步骤504，获取支付受理设备的第一当前地理位置信息。
步骤506，判断支付受理设备的第一当前地理位置信息与实体或虚拟SE中存储的终端当前所属地理位置(即预存储地理位置信息)进行比较判断是否属于同一区域，如果是，进入步骤508，否则，进入步骤510。
步骤508，如二者属于同一区域，则继续进行交易。
步骤510，如二者不属于同一区域，则终止交易。
需要说明的是，地理位置信息的写入必须是对实体或虚拟SE具有写入权限的软件才可以，通常终端会通过这些软件来完成卡片的发卡、数据的个人化等业务，其有一套严格的认证登录过程，且该地理位置信息会加密存储在实体或虚拟SE中，外部无法获取，恶意用户的伪卡也无法篡改用户SE中的加密信息，可使伪卡异地消费被终止。
以上结合附图详细说明了本发明的技术方案，避免了在交易中，用户敏感信息被恶意复制或伪造后在异地进行支付的风险，提高了支付安全性，从而提升了用户体验。
图6示出了根据本发明的另一个实施例的移动终端的框图，如图6所示，该移动终端7可以包括：至少一个处理器71，例如CPU，至少一个通信总线72以及存储器73；通信总线72用于实现这些组件之间的连接通信；存储器73可以是高速RAM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。存储器73中存储一组程序代码，且处理器71用于调用存储器73中存储的程序代码，用于执行以下操作：
判断是否接收到来自支付受理设备的发现请求；
在判断结果为是时，获取所述支付受理设备的第一当前地理位置信息；
判断所述第一当前地理位置信息是否与所述移动终端的预存储地理位 置信息属于同一区域；
当判定为是时，完成NFC支付，否则，终止支付。
在该技术方案中，如果判定接收到了来自支付受理设备的发现请求，则需要获取支付受理设备的第一当前地理位置信息，并将其与移动终端的预存储地理位置信息对比匹配，如果，判定两者属于同一区域，则控制完成NFC支付，否则，终止支付，如此，保证了支付活动在用户的控制范围内，避免了在交易中，用户敏感信息被恶意复制或伪造后在异地进行支付的风险，提高了支付安全性，从而提升了用户体验。
在上述技术方案中，优选地，所述处理器71在判断是否接收到所述发现请求之前，还执行：
检测是否接收到所述移动终端的地理位置信息发生变化的通知；
在检测到时，获取所述移动终端的第二当前地理位置信息；
将所述第二当前地理位置信息作为所述预存储地理位置信息进行存储。
在该技术方案中，移动终端的位置很可能是随时变动的，所以首先要检测是否接收到移动终端的地理位置信息发生变化的通知，如果移动终端的地理位置信息发生变化，就要再次获取移动终端的当前地理位置信息，即第二当前地理位置信息，并将其作为预存储地理位置信息存储起来，如此，实现对预存储地理位置信息的实时更新，避免误判，大大提高了支付活动的安全性，从而提升用户体验。
在上述技术方案中，优选地，所述处理器71将所述第二当前地理位置信息作为所述预存储地理位置信息进行存储的具体步骤为：
对所述第二当前地理位置信息进行加密处理；
将经过所述加密处理的所述第二当前地理位置信息存储至所述移动终端的安全模块。
在该技术方案中，通过对第二当前地理位置信息进行加密处理，然后将其存储至移动终端的安全模块作为预存储地理位置信息，如此经过加密的第二当前地理位置信息充分保证了支付的安全性，从而提升用户体验。
在上述技术方案中，优选地，所述处理器71还执行：
在未检测到时，再次检测是否接收到所述移动终端的所述地理位置信 息发生变化的通知。
在该技术方案中，如果没有检测到接收到移动终端的地理位置信息发生变化的通知，则继续进行检测，如此，为预存储地理位置信息实时更新提供有利保障。
在上述技术方案中，优选地，所述处理器71还执行：
通过移动数据网络或无线网络获取所述移动终端的所述第二当前地理位置信息。
在该技术方案中，优选的选用通过移动数据网络或无线网络获取移动终端的第二当前地理位置信息，当然也可以选用其他合适的网络，如此，使支付系统兼容性更强、更灵活，为获取移动终端的地理位置信息提供了多种可行方案。
通过本发明的技术方案，避免了在交易中，用户敏感信息被恶意复制或伪造后在异地进行支付的风险，提高了支付安全性，从而提升了用户体验。
以上所述仅为本发明的优选实施例而已，并不用于限制本发明，对于本领域的技术人员来说，本发明可以有各种更改和变化。凡在本发明的精神和原则之内，所作的任何修改、等同替换、改进等，均应包含在本发明的保护范围之内。

Claims (15)

  1. 一种NFC支付方法，用于移动终端，其特征在于，包括：
    判断是否接收到来自支付受理设备的发现请求；
    在判断结果为是时，获取所述支付受理设备的第一当前地理位置信息；
    判断所述第一当前地理位置信息是否与所述移动终端的预存储地理位置信息属于同一区域；
    当判定为是时，完成NFC支付，否则，终止支付。
  2. 根据权利要求1所述的NFC支付方法，其特征在于，在判断是否接收到所述发现请求之前，还包括：
    检测是否接收到所述移动终端的地理位置信息发生变化的通知；
    在检测到时，获取所述移动终端的第二当前地理位置信息；
    将所述第二当前地理位置信息作为所述预存储地理位置信息进行存储。
  3. 根据权利要求2所述的NFC支付方法，其特征在于，将所述第二当前地理位置信息作为所述预存储地理位置信息进行存储，具体包括：
    对所述第二当前地理位置信息进行加密处理；
    将经过所述加密处理的所述第二当前地理位置信息存储至所述移动终端的安全模块。
  4. 根据权利要求2所述的NFC支付方法，其特征在于，
    在未检测到时，再次检测是否接收到所述移动终端的所述地理位置信息发生变化的通知。
  5. 根据权利要求2至4中任一项所述的NFC支付方法，其特征在于，
    通过移动数据网络或无线网络获取所述移动终端的所述第二当前地理位置信息。
  6. 一种NFC支付系统，用于移动终端，其特征在于，包括：
    第一判断模块，用于判断是否接收到来自支付受理设备的发现请求；
    获取模块，用于在判断结果为是时，获取所述支付受理设备的第一当前地理位置信息；以及
    第二判断模块，用于判断所述第一当前地理位置信息是否与所述移动 终端的预存储地理位置信息属于同一区域；
    控制模块，用于当判定为是时，控制完成NFC支付，否则，控制终止支付。
  7. 根据权利要求6所述的NFC支付系统，其特征在于，还包括：
    检测模块，用于在判断是否接收到所述发现请求之前，检测是否接收到所述移动终端的地理位置信息发生变化的通知；以及
    定位模块，用于在检测到时，获取所述移动终端的第二当前地理位置信息；
    存储模块，用于将所述第二当前地理位置信息作为所述预存储地理位置信息进行存储。
  8. 根据权利要求7所述的NFC支付系统，其特征在于，所述存储模块具体用于：
    对所述第二当前地理位置信息进行加密处理；
    将经过所述加密处理的所述第二当前地理位置信息存储至所述移动终端的安全模块。
  9. 根据权利要求7所述的NFC支付系统，其特征在于，所述检测模块还用于：
    在未检测到时，再次检测是否接收到所述移动终端的所述地理位置信息发生变化的通知。
  10. 根据权利要求7至9中任一项所述的NFC支付系统，其特征在于，
    通过移动数据网络或无线网络获取所述移动终端的所述第二当前地理位置信息。
  11. 一种移动终端，其特征在于，所述移动终端包括处理器和存储器，其中，所述存储器中存储一组程序代码，且所述处理器用于调用所述存储器中存储的程序代码，用于执行以下操作：
    判断是否接收到来自支付受理设备的发现请求；
    在判断结果为是时，获取所述支付受理设备的第一当前地理位置信息；
    判断所述第一当前地理位置信息是否与所述移动终端的预存储地理位置信息属于同一区域；
    当判定为是时，完成NFC支付，否则，终止支付。
  12. 根据权利要求11所述的移动终端，其特征在于，所述处理器在判断是否接收到所述发现请求之前，还执行：
    检测是否接收到所述移动终端的地理位置信息发生变化的通知；
    在检测到时，获取所述移动终端的第二当前地理位置信息；
    将所述第二当前地理位置信息作为所述预存储地理位置信息进行存储。
  13. 根据权利要求12所述的移动终端，其特征在于，所述处理器将所述第二当前地理位置信息作为所述预存储地理位置信息进行存储的具体步骤为：
    对所述第二当前地理位置信息进行加密处理；
    将经过所述加密处理的所述第二当前地理位置信息存储至所述移动终端的安全模块。
  14. 根据权利要求12所述的移动终端，其特征在于，所述处理器还执行：
    在未检测到时，再次检测是否接收到所述移动终端的所述地理位置信息发生变化的通知。
  15. 根据权利要求12或14所述的移动终端，其特征在于，所述处理器还执行：
    通过移动数据网络或无线网络获取所述移动终端的所述第二当前地理位置信息。
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