WO2017036249A1 - 使用移动终端进行支付的方法和装置 - Google Patents

使用移动终端进行支付的方法和装置 Download PDF

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WO2017036249A1
WO2017036249A1 PCT/CN2016/089608 CN2016089608W WO2017036249A1 WO 2017036249 A1 WO2017036249 A1 WO 2017036249A1 CN 2016089608 W CN2016089608 W CN 2016089608W WO 2017036249 A1 WO2017036249 A1 WO 2017036249A1
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Prior art keywords
payment
virtual account
account information
smart card
mobile terminal
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French (fr)
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褚红梅
郑建宾
吕旭峰
冯晓
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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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
    • G06Q20/326—Payment applications installed on the mobile 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
    • G06Q20/327—Short range or proximity 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards

Definitions

  • Embodiments of the present invention relate to mobile payment, and relate to a payment method and apparatus using a mobile terminal.
  • Busy consumers can now effectively manage their financial situation, such as the balance of a bank account, or quickly make financial transactions, such as paying bills, at a mall, through a mobile terminal (such as a PDA, mobile phone, or tablet) that they carry with them. Purchase goods.
  • a mobile terminal such as a PDA, mobile phone, or tablet
  • the APP application set up on the mobile terminal further simplifies the payment process. Consumers associate the app with a variety of personal assets, such as debit cards, credit cards, and industry cards.
  • the APP delivers payment account information, such as credit card information, to a point of sale terminal (POS), also equipped with an NFC compatible system, by means of a near field communication (NFC) system, such as a mobile terminal, to complete the payment operation.
  • POS point of sale terminal
  • NFC near field communication
  • This payment method is easy to illegally copy or steal payment information during the payment process.
  • the sensitive data can be protected by storing the payment account information and associated APP in the secure element, but the related APP is downloaded to a secure element such as a SIM card or SD card by Trusted Service Management (TSM) and is Running will require more storage space for the secure element.
  • TSM Trusted Service Management
  • a payment card in the form of an application (software form) on a mobile phone would require a high level of cooperation between the mobile phone operator and the card issuer, which would also increase the flexibility of the consumer to make payments.
  • the process by which a consumer associates his mobile phone with his payment card for contactless payment relies heavily on a pre-arranged agreement between the mobile phone operator and the card issuer.
  • an embodiment of the present invention provides a method of making a payment using a mobile terminal, including: backward Sending payment account information, receiving virtual account information corresponding to the payment account from a background, and writing the virtual account information to a smart card separated from the mobile terminal via short-range wireless communication, so that the smart card can use the virtual The account is paid.
  • the virtual account has a different account number and password than the payment account.
  • the virtual account information is written to the smart card via Bluetooth or NFC communication.
  • the virtual account information is written to the smart card after receiving an acknowledgment from the user.
  • the virtual account information is valid for a predetermined time, so that the smart card can use the virtual account for payment only within the predetermined time.
  • an embodiment of the present invention provides an apparatus for performing payment using a mobile terminal, including: a first apparatus, configured to send payment account information to a background, and a second apparatus, configured to receive, from a background, corresponding to the payment account
  • the virtual account information, the third device is configured to write the virtual account information to the smart card separated from the mobile terminal via short-range wireless communication, so that the smart card can use the virtual account for payment.
  • the virtual account has a different account number and password than the payment account.
  • the third device writes the virtual account information to the smart card via Bluetooth or NFC communication.
  • the third device writes the virtual account information to the smart card after receiving the confirmation from the user.
  • the virtual account information is valid for a predetermined time, so that the smart card can use the virtual account for payment only within the predetermined time.
  • Embodiments of the invention have one or more advantages including, but not limited to:
  • the invention writes the virtual account information into the contactless card through the NFC function of the mobile terminal or the peer-to-peer communication technology such as Bluetooth, and does not need to write information by means of the external device, thereby reducing the trouble of carrying the peripheral device and reducing the trouble on the other hand. Cost of use;
  • the invention writes the virtual account information into the contactless card through the NFC function or the peer-to-peer communication technology such as Bluetooth, and the obtained contactless card can complete the non-contact payment through functions such as NFC, and has a good user experience;
  • the invention establishes the correspondence between the real payment account and the virtual account in the background, and can send the virtual account information through the POS or the PC to pay the webpage, thereby preventing the real payment account information from being illegally acquired.
  • FIG. 1 is a diagram showing a method of making a payment using a mobile terminal according to an embodiment of the present invention.
  • FIG. 1 illustrates a method of making a payment using a mobile terminal according to an embodiment of the present invention. As shown in Figure 1, the method includes:
  • Step 101 Send payment account information to the background
  • Step 102 Receive virtual account information corresponding to the payment account from a background
  • Step 103 Write the virtual account information to a smart card separated from the mobile terminal via short-range wireless communication, so that the smart card can use the virtual account for payment.
  • the virtual account has a different account number and password than the payment account.
  • the virtual account information is written to the smart card via Bluetooth or NFC communication.
  • the virtual account information is written to the smart card after receiving an acknowledgment from the user.
  • the virtual account information is valid for a predetermined time such that the smart card is able to make a payment using the virtual account only for the predetermined time.
  • the method of payment shown in FIG. 1 can be implemented as a function of an APP installed in a mobile terminal.
  • the initialization process of an exemplary APP application is described.
  • the user can register in the APP and collect one or more payment account information (eg, a bank card, gift card, etc.) using the APP and an additional card reading device.
  • the APP communicates with the back-end system through the network, and the collected one or more payment account information is verified by the background system. After the verification is successful, the one or more payment account information may be stored to the mobile terminal.
  • the back office system thus establishes the correspondence between the user and the payment account.
  • the smart card can be a contactless rewritable card and can write data to it via Bluetooth or NFC communication.
  • the user can log in to the APP and select a payment account through the APP, for example, clicking the “Generate Virtual Account” button in the operation interface to send a “Generate Virtual Account” request to the background system; the background system according to the request from the APP, Generate virtual account information and return it to the app.
  • the virtual account corresponds to virtual card information of a real payment card (eg, a credit card) and can be uniquely identified by the backend system.
  • the virtual account has a different account number and password than the payment account. Understandably, it can be based on different types of payment accounts.
  • a corresponding type of virtual account for example, a virtual account corresponding to a bank card, an industry card.
  • the APP generates a write command after receiving the virtual account information from the background system.
  • the APP sends a write command to a point-to-point communication module such as a mobile phone NFC or Bluetooth, and the module writes the virtual account information to the contactless rewritable card via Bluetooth or NFC communication according to the instruction.
  • the contactless rewritable card may be a smart card that is separate from the mobile terminal.
  • the user can be prompted through the operation interface to place the contactless rewritable card near the mobile terminal, such as the back of the mobile phone.
  • the mobile phone now begins to retrieve whether there is a writable card within its specific distance.
  • the user can be prompted to confirm before writing the virtual account information to the card, and a voice prompt is given after the writing is completed.
  • the user can bring the contactless rewritable card close to the non-receiving terminal and enter a password to perform the payment operation. Online, the user can also use the contactless rewritable card for a PC terminal having an acceptance capability.
  • Embodiments of the present invention are applicable to the case where the mobile terminal and the card are separated at the time of payment, enabling distributed payment. That is, the same payment account can be used by different people at different locations for payment. Furthermore, since the virtual account can be set to be valid for a predetermined time, illegal use or unreasonable use of the payment account can be avoided.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

一种使用移动终端进行支付的方法，包括：向后台发送支付账户信息（101），从后台接收与所述支付账户对应的虚拟账户信息（102），经由近距离无线通信将所述虚拟账户信息写入与所述移动终端分离的智能卡，使得该智能卡能够使用所述虚拟账户进行支付（103）。

Description

使用移动终端进行支付的方法和装置 技术领域
本发明的实施例涉及移动支付，涉及使用移动终端进行支付方法和装置。
背景技术
繁忙的消费者现在可以通过随身携带的移动终端(例如，PDA、移动电话或者平板电脑)来有效地管理其财务状况，例如银行账户的余额，或者快速地进行金融交易，例如支付账单、在商场购买商品。
设置在移动终端的APP应用进一步简化了支付的过程。消费者通过将多种个人财产，例如借记卡、信用卡、行业卡，关联到该APP。该APP借助于例如移动终端的近场通信(NFC)系统，将支付账户信息例如信用卡信息传递至同样装备有NFC兼容系统的销售点终端机(POS)以完成支付操作。这种支付方法在支付过程中，支付账户信息容易被非法复制或者窃取。可以通过将关于支付账户信息和相关的APP存储在安全元件中以保护敏感数据，但是，通过可信服务管理(TSM)将相关的APP下载到例如SIM卡或SD卡的安全元件，并在其中运行将需要占用安全元件更多的存储空间。尤其是，在移动电话上布置APP形式(软件形式)的支付卡将需要移动电话运营商和卡发行方之间高水平的合作，这还将提高消费者进行支付的灵活性。消费者将其移动电话与其支付卡相关联以用于无接触式支付的过程很大程度上依赖于预先安排的移动电话运营商和卡发行方之间的协定。
发明内容
因此，提供一种安全的、节约安全元件存储空间的、便捷的支付方法和装置将是本技术领域中所期望的。
在第一方面中，本发明的实施例提供使用移动终端进行支付的方法，包括：向后 台发送支付账户信息，从后台接收与所述支付账户对应的虚拟账户信息，经由近距离无线通信将所述虚拟账户信息写入与所述移动终端分离的智能卡，使得该智能卡能够使用所述虚拟账户进行支付。
优选地，所述虚拟账户具有与所述支付账户不同的账号和密码。
优选地，经由蓝牙或者NFC通信将所述虚拟账户信息写入所述智能卡。
优选地，在从用户接收确认之后，才将所述虚拟账户信息写入所述智能卡。
优选地，所述虚拟账户信息在预定的时间内有效，从而所述智能卡仅在所述预定的时间内能够使用所述虚拟账户进行支付。
在第一方面中，本发明的实施例提供使用移动终端进行支付的装置，包括：第一装置，用于向后台发送支付账户信息，第二装置，用于从后台接收与所述支付账户对应的虚拟账户信息，第三装置，用于经由近距离无线通信将所述虚拟账户信息写入与所述移动终端分离的智能卡，使得该智能卡能够使用所述虚拟账户进行支付。
优选地，所述虚拟账户具有与所述支付账户不同的账号和密码。
优选地，所述第三装置，经由蓝牙或者NFC通信将所述虚拟账户信息写入所述智能卡。
优选地，所述第三装置，在从用户接收确认之后，才将所述虚拟账户信息写入所述智能卡。
优选地，所述虚拟账户信息在预定的时间内有效，从而所述智能卡仅在所述预定的时间内能够使用所述虚拟账户进行支付。
本发明的实施例具有一个或多个优势包括但不限于：
本发明通过移动终端的NFC功能或蓝牙等点对点通讯技术将虚拟账户信息写入非接触卡中，不需要借助外部设备写入信息，一方面减少了携带外设的麻烦，另一方面降低了使 用成本；
本发明通过NFC功能或蓝牙等点对点通讯技术将虚拟账户信息写入非接触卡中，得到的非接触卡能够通过NFC等功能完成非接支付，具有良好的用户体验；
本发明在后台建立真实支付账号与虚拟账号的对应关系，通过POS或PC端支付网页上送虚拟账号信息，能够避免真实支付账户信息被非法获取。
当结合附图阅读以下描述时也将理解本发明的实施例的其它特征和优势，其中附图借助于实例示出了本发明的实施例的原理。
附图说明
借助于实例，从以下详细描述和附图中，本发明的各个实施例的上述及其它方面、特征及益处将变得更加明显。
图1是示出根据本发明实施例的使用移动终端进行支付的方法。
具体实施方式
在下文中，将参考实施例描述本发明的原理和主旨。应当理解的是，给出的实施例仅仅是为了本领域技术人员更好地理解本发明并且进一步实践本发明，而不是限制本发明的范围。例如，作为一个实施例的一部分所例示或描述的特征可与另一实施例结合使用而产生另外一个实施例。为了清晰起见，在本说明书中未描述实际实施方式的所有特征。显然，可以理解的是在任何这种实施例的实际研发中，为实现开发人员的特定目标，诸如符合系统相关的约束和业务相关的约束，实施方式将有所不同。
图1示出根据本发明实施例的使用移动终端进行支付的方法。如图1所示，该方法包括：
步骤101：向后台发送支付账户信息，
步骤102：从后台接收与所述支付账户对应的虚拟账户信息，
步骤103：经由近距离无线通信将所述虚拟账户信息写入与所述移动终端分离的智能卡，使得该智能卡能够使用所述虚拟账户进行支付。
在一个实施例中，所述虚拟账户具有与所述支付账户不同的账号和密码。
在一个实施例中，经由蓝牙或者NFC通信将所述虚拟账户信息写入所述智能卡。
在一个实施例中，在从用户接收确认之后，才将所述虚拟账户信息写入所述智能卡。
在一个实施例中，所述虚拟账户信息在预定的时间内有效，从而所述智能卡仅在所述预定的时间内能够使用所述虚拟账户进行支付。
图1所示的支付的方法可以被实现为安装在移动终端中的APP的功能。
在这个例子中，描述示例性的APP应用的初始化过程。用户可以在该APP中注册，并且使用该APP和附加的读卡设备采集一个或多个支付账户信息(例如，银行卡、礼品卡等)。APP通过网络与后台系统通信，采集的一个或多个支付账户信息由后台系统进行验证。验证成功后，该一个或多个支付账户信息可以被存储到移动终端。后台系统由此建立该用户与支付账户的对应关系。
在以下这个例子中，描述示例性的实例化智能卡(即，利用虚拟账户信息将智能卡实例化为具有支付能力的卡)的过程。
智能卡可以是非接触可重写的卡，并且可以通过蓝牙或者NFC通信向其写入数据。在该示例性过程中，用户可以登录APP，并通过APP选择支付账户，例如在操作界面点击“生成虚拟账户”按钮，向后台系统发送“生成虚拟账户”请求；后台系统根据来自APP的请求，生成虚拟账户信息，并返回给APP。该虚拟账户对应于真实支付卡(例如，信用卡)的虚拟卡信息，并能够被后台系统唯一地识别。可选地，所述虚拟账户具有与所述支付账户不同的账号和密码。可以理解的是，可以根据不同类型的支付账户生 成相应类型的虚拟账户(例如，对应于银行卡、行业卡的虚拟账户)。APP在从后台系统接收到虚拟账户信息之后，生成写入指令。例如，APP将写入指令发送至移动电话NFC或蓝牙等点对点通讯模块，该模块按照指令将虚拟账户信息通过蓝牙或者NFC通信写入非接触可重写的卡
如上所述，非接触可重写的卡可以是与所述移动终端分离的智能卡。APP在生成写入指令后，可以通过操作界面向用户提示将非接触可重写的卡放置在移动终端附近，例如移动电话的背面。移动电话此时开始检索在它的特定距离内是否有可写入的卡。出于安全的考虑，可以在将虚拟账户信息写入卡之前提醒用户进行确认，写入完成之后进行语音提示。在写入完成之后，在线下，用户可以将非接触可重写卡靠近非接受理终端，并输入密码进行支付操作。在线上，用户也可将该非接触可重写卡用于具备受理能力的PC终端。
本发明的实施例可适用于在支付时移动终端和卡分离的情况，使得能够进行分散的支付。即，同一支付账户可以在不同的地点被不同的人用于支付。此外，由于虚拟账户可以被设置成在预定时间内有效，支付账户的非法使用或者不合理的使用能够被避免。
尽管本说明书包含许多具体的实施细节，但这些细节不应被解释为对任何发明的范围或可能被要求保护的范围的限制，而是应该被视为可特定于特定发明的特定实施例的特征的描述。在各自实施例的上下文中在本说明书中描述的某些特征也可被组合在单一实施例中来实施。相反，在单一实施例的上下文中描述的各种特征也可分别在多个实施例中或在任何合适的子组合中来实施。
因此，应当理解的是，本发明的实施例不限于所公开的特定实施例，并且变形例和其它实施例意在涵盖在所附权利要求的范围内。

Claims (10)

  1. 一种使用移动终端进行支付的方法，其特征在于，包括：
    向后台发送支付账户信息，
    从后台接收与所述支付账户对应的虚拟账户信息，
    经由近距离无线通信将所述虚拟账户信息写入与所述移动终端分离的智能卡，使得该智能卡能够使用所述虚拟账户进行支付。
  2. 如权利要求1所述的方法，其特征在于，
    所述虚拟账户具有与所述支付账户不同的账号和密码。
  3. 如权利要求1所述的方法，其特征在于，
    经由蓝牙或者NFC通信将所述虚拟账户信息写入所述智能卡。
  4. 如权利要求1所述的方法，其特征在于，
    在从用户接收确认之后，才将所述虚拟账户信息写入所述智能卡。
  5. 如权利要求1所述的方法，其特征在于，
    所述虚拟账户信息在预定的时间内有效，从而所述智能卡仅在所述预定的时间内能够使用所述虚拟账户进行支付。
  6. 一种使用移动终端进行支付的装置，其特征在于，包括：
    第一装置，用于向后台发送支付账户信息，
    第二装置，用于从后台接收与所述支付账户对应的虚拟账户信息，
    第三装置，用于经由近距离无线通信将所述虚拟账户信息写入与所述移动终端分离的智能卡，使得该智能卡能够使用所述虚拟账户进行支付。
  7. 如权利要求6所述的装置，其特征在于，
    所述虚拟账户具有与所述支付账户不同的账号和密码。
  8. 如权利要求6所述的装置，其特征在于，
    所述第三装置，经由蓝牙或者NFC通信将所述虚拟账户信息写入所述智能卡。
  9. 如权利要求6所述的装置，其特征在于，
    所述第三装置，在从用户接收确认之后，才将所述虚拟账户信息写入所述智能卡。
  10. 如权利要求6所述的装置，其特征在于，
    所述虚拟账户信息在预定的时间内有效，从而所述智能卡仅在所述预定的时间内能够使用所述虚拟账户进行支付。
PCT/CN2016/089608 2015-08-28 2016-07-11 使用移动终端进行支付的方法和装置 Ceased WO2017036249A1 (zh)

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